Exeter Finance Corp. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
11/06/2023	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	NV 89081	Web
XXXX XXXX is requesting for payment for all damages and fees, theft of property, fraud, robocall, because Exeter Finance LLC is committing securities fraud, predatory contracts, and theft of collateral etc.XXXX XXXX sent over a registered mail with a registered securities stamped with the obligation to the US Treasury and signed with my beneficiary signature on XX/XX/XXXX, XXXXThis was due to the default that occurred XX/XX/XXXX on the remainder of the investment of the obligation with XXXX XXXX XXXX According to their EXETER AUTOMOBILE RECEIVABLES TRUST 2021-3 ; Class A-1 0.10415 % Asset Backed Notes Class A-2 0.34 % Asset Backed Notes Class A-3 0.35 % Asset Backed Notes Class B 0.69 % Asset Backed Notes Class C 0.96 % Asset Backed Notes Class D 1.55 % Asset Backed Notes Class E 3.04 % Asset Backed Notes -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - INDENTURE Dated as of XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - EXETER HOLDINGS TRUST 2021-3 Holding Trust XXXX XXXX XXXX XXXX Indenture Trustee They refused to rectify the account and or send back the securities and according to 8-406. Even after receiving a 1099C copy B in the mail, they still refuse to update account to show the 1099 C reflection.OBLIGATION TO NOTIFY ISSUER OF LOST, DESTROYED, OR WRONGFULLY TAKEN SECURITY CERTIFICATE has not happened only refusal of return and they keep asking for remainder of payment which I dont owe according to XX/XX/XXXX, XXXX XXXX the Emergency Banking Act.Also, XXXX XXXX SESS. XXXX XXXX. XXXX. House XXXX XXXX XXXX ( XXXX XXXX ) ( Public law XXXX ) was passed in XXXX XXXX we have only had debt, because all property and gold were seized by the government as collateral in the bankruptcy of the United States. Before even doing all this XXXX XXXX gave Exeter XXXX XXXX opportunity and consideration by registered mail XX/XX/XXXX, to fix the issue and no response was received by Exeter XXXX. Attention : XXXX XXXX XXXX XXXX, XXXX XXXX and ( ii ) for all other purposes, the principal office of the Indenture Trustee at which at any particular time its corporate trust business shall be administered which office at date of the execution of this Indenture is located at XXXX XXXXXXXX XXXX XXXX XXXX XXXX New York XXXX XXXX Attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, or at such other address as the Indenture Trustee may designate from time to time by notice to the Note holders, the Servicer and the Issuer, or the principal corporate trust office of any successor Indenture Trustee ( the address of which the successor Indenture Trustee will notify the Note holders and the Issuer ). " Default '' means any occurrence that is, or with notice or the lapse of time or both would become, an Event of Default. " Definitive Notes '' has the meaning specified in Section 2.10. " Distribution Compliance Period '' means the period from the Closing Date to the 40th day after the Closing Date. " Distribution Date '' has the meaning specified in the Sale and Servicing Agreement. The General Assembly of the Commonwealth of Pennsylvania hereby enacts as follows : Section 1. Short Title. -- This act shall be known and may be cited as the " Motor Vehicle Sales Finance Act. '' Section 2. Findings and Declarations of Policy. -- It is hereby determined and declared as a matter of legislative finding : ( a ) That an exhaustive study by the Joint State Government Commission discloses nefarious, unscrupulous and improper practices in the financing of the sale of motor vehicles in this Commonwealth which are unjustifiably detrimental to the consumer and inimical to the public welfare. Such practices prevail not only among some sellers, but also among some sales finance companies and some banks, which acquire contracts arising out of installment sales of motor vehicles, and which frequently influence the credit policies of sellers. ( b ) That the agreement for the installment sale of motor vehicles in this Commonwealth has been generally cast in the form of the so-called " XXXX XXXX XXXX '' contract, in which the seller is technically the lessor, and the buyer is technically the lessee. By the use of this fictional instrument in the installment sale of motor vehicles, the extension of credit to the purchaser has been so inextricably entwined with the alleged bailment of the motor vehicle as to deprive the consumer of the benefit of existing laws. ( c ) The consumers, because of these legal technicalities and because of their unequal bargaining position, are at the mercy of unscrupulous persons and are being intolerably exploited in the installment purchase of motor vehicles. Such exploitation is evident in the unfair provisions of the installment sale contract, exorbitant charges for credit, extortionate default, extension, collection, repossession and other charges, unconscionable practices respecting execution of contracts, refinancing of contracts, prepayment, refunds, insurance, repossession and redemption. Exeter Finance had violated NRS598.0993 Relief for injured persons, in originating and servicing certain " subprime '' auto loans including default rates, underwriting standards, dealership misrepresentations, and loan servicing conduct. Exeter ( i ) facilitated the origination of certain Nevada Loans that Exeter knew or should have known were unfair in violation of Chapter 598 ( cf. Comm. v. Fremont Inv. & Loan, 452 Mass. 733, 750 ( 2008 ) ), and ( ii ) engaged in certain servicing and collection activities in violation of Chapter 598, as implemented by NRS598.0993. Certain of these loans were securitized. Protecting consumers from unfair lending practices is extremely important, Attorney General XXXX said. Consumers must receive a fair deal when they are extended credit to finance a purchase. Car loans to consumers with poor credit, known as subprime auto loans, are often made through contracts signed at the car dealership, but the loans are funded by non-dealer financial institutions, like Exeter. As part of the funding process, these financial institutions securitize the loans, funding them by selling investment notes. Below are proof of documents : Document A was sent to Exeter Finance XXXX XXXX DOCUMENT A : I XXXX XXXX are exercising my Right to Rescission 15 U.S. Code 1635 1026.23 for SIMPLE INTEREST VEHICLE CONTRACT FOR SALE AND SECURITY AGREEMENT & VEHICLE RETAIL INSTALLMENT CONTRACT AND SECURITY AGREEMENT established on XX/XX/XXXX, with EXETER FINANCE CORP & XXXX XXXX XXXX XXXX XXXX XXXX. I am not liable for the debt amount acquired due to this was not a Credit Consumer Transaction under 15 U.S. Code 1605 - Determination of finance charge. This information was not disclosed to me at time of sale or business. 2. 3. My finance charge with connections to my consumer credit transaction was not the sum of all charges as provided in 15 U.S.C. 1605 section A. ( 15 U.S. Code 1640 - Civil liability, section A ) any creditor who fails to comply with any requirement imposed under this part, including any requirement under section 1635 of this title, subsection V 15 U.S.C. 81605 part A-F 15 U.S.C. 8 ( f ) or ( g ) of section 1641 of this title, or part D or E of this subchapter with respect to any person is liable to such person in an amount equal to the sum of. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. XX/XX/XXXX, I was charged Emission inspection fee {$35.00}, Documentary fees {$490.00}, Taxable selling price {$8500.00}, sales tax {$710.00}, Title Fee {$29.00}, XXXX XXXX XXXX XXXX {$2100.00}, GAP {$380.00}, Trade in Allowance {$500.00}, Trade in sales tax credit {$41.00}, Deposit/partial payment {$3000.00}. I paid in cash & with debit card. These charges are considered a criminal act on behalf of the creditor against obligor and were to be covered under the Finance Charge. 15 U.S.C. 8 1605-part A - F, 15 U.S.C. 8 1601-1667f, Tillman Act of 1907 ; Were violated by Exeter Finance Corp & EXETER FINANCE CORP & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, as highlighted in yellow on attached contract documents. Your statement was accepted and returned for value as consideration for settlement of this account for the full amount of ( total owed ) /principals balance.It has been noted on the payment acquisition that this 100 % certificate of indebtedness is being accepted for the value indicated ( amount owed ) date of XX/XX/XXXX. Per code 15 U.S. Code 1605 Determination of Finance Charge ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. ( 2 ) Service or carrying charge. ( 3 ) Loan fee, finders fee, or similar charge. ( 4 ) Fee for an investigation or credit report. ( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. ( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed. ( b ) Life, accident, or health insurance premiums included in finance charge Charges or premiums for credit life, accident, or health insurance written in connection with any consumer credit transaction shall be included in the finance charges unless ( 1 ) the coverage of the debtor by the insurance is not a factor in the approval by the creditor of the extension of credit, and this fact is clearly disclosed in writing to the person applying for or obtaining the extension of credit ; and ( 2 ) in order to obtain the insurance in connection with the extension of credit, the person to whom the credit is extended must give specific affirmative written indication of his desire to do so after written disclosure to him of the cost thereof. ( c ) Property damage and liability insurance premiums included in finance charge Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended, setting forth the cost of the insurance if obtained from or through the creditor, and stating that the person to whom the credit is extended may choose the person through which the insurance is to be obtained. ( d ) Items exempted from computation of finance charge in all credit transactions If any of the following items is itemized and disclosed in accordance with the regulations of the Bureau in connection with any transaction, then the creditor need not include that item in the computation of the finance charge with respect to that transaction : ( 1 ) Fees and charges prescribed by law which actually are or will be paid to public officials for determining the existence of or for perfecting or releasing or satisfying any security related to the credit transaction. ( 2 ) The premium payable for any insurance in lieu of perfecting any security interest otherwise required by the creditor in connection with the transaction, if the premium does not exceed the fees and charges described in paragraph ( 1 ) which would otherwise be payable. ( 3 ) Any tax levied on security instruments or on documents evidencing indebtedness if the payment of such taxes is a precondition for recording the instrument securing the evidence of indebtedness. ( e ) Items exempted from computation of finance charge in extensions of credit secured by an interest in real property The following items, when charged in connection with any extension of credit secured by an interest in real property, shall not be included in the computation of the finance charge with respect to that transaction : ( 1 ) Fees or premiums for title examination, title insurance, or similar purposes. ( 2 ) Fees for preparation of loan-related documents. ( 3 ) Escrows for future payments of taxes and insurance. ( 4 ) Fees for notarizing deeds and other documents. ( 5 ) Appraisal fees, including fees related to any pest infestation or flood hazard inspections conducted prior to closing. ( 6 ) Credit reports. ( f ) Tolerances for accuracy In connection with credit transactions not under an open end credit plan that are secured by real property or a dwelling, the disclosure of the finance charge and other disclosures affected by any finance charge ( 1 ) shall be treated as being accurate for purposes of this subchapter if the amount disclosed as the finance charge ( A ) does not vary from the actual finance charge by more than {$100.00} ; or ( B ) is greater than the amount required to be disclosed under this subchapter ; and ( 2 ) shall be treated as being accurate for purposes of section 1635 of this title if ( A ) except as provided in subparagraph ( B ), the amount disclosed as the finance charge does not vary from the actual finance charge by more than an amount equal to one-half of one percent of the total amount of credit extended; or ( B ) in the case of a transaction, other than a mortgage referred to in section 1602 ( aa ) [ 1 ] of this title, which ( i ) is a refinancing of the principal balance then due and any accrued and unpaid finance charges of a residential mortgage transaction as defined in section 1602 ( w ) 1 of this title, or is any subsequent refinancing of such a transaction ; and ( ii ) does not provide any new consolidation or new advance ; if the amount disclosed as the finance charge does not vary from the actual finance charge by more than an amount equal to XXXX percent of the total amount of credit extended. ( Pub. XXXX XXXX, title XXXX, XXXX, XX/XX/XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, title VI XXXX, XXXX. XXXX, XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, XXXX ( a ), ( b ) ( XXXX ), ( c ) ( XXXX ), XXXX ( a ), XXXX XXXX, XXXX, XXXX XXXX. XXXX, XXXX ; Pub. XXXX XXXX, title X, XXXX ( XXXX ), XX/XX/XXXX, XXXX Stat. XXXX. ) You, ( Exeter XXXX Bank ) signed off knowing this was not a credit consumer transaction and you authorized the third party dealership ( XXXX XXXX XXXX ), to part take as your representative. Which makes Exeter XXXX Bank and XXXX of XXXX both responsible parties for the misconduct, fraudulent, and predatorily contract. Due to no resolution I will be moving forward with filing a complaint in court.
01/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IN 46235	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX Exeter Finance XXXX. XXXX XXXX XXXX, TX XXXX XXXX : Acct # : XXXX To W hom It May Concern : This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy and/or completeness of information you have posted to my credit file. I am sure we both understand that most disputes are often conducted using software, such as XXXX, and that mistakes can be made during that process, and that the software can have limitations when it comes to completing a proper investigation of records. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623. On separate occasions, I have disputed with all credit bureaus ( XXXX, XXXX, and XXXX included ) pertaining to an auto loan with Exeter Finance Acct # XXXX for the date of last activity, payment history, status and the disputes returned verified. After some further investigation on my part, I am also concerned that this account may not belong to me, and/or the reporting to XXXX, XXXX, and XXXX may be inaccurate and incomplete. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/XXXX ), 16 CFR 660.4, this Notice of Direct dispute includes the following : -Validation of account # XXXX -Payments history is inaccurate and varies across all credit bureaus -Deficiency Balance Claim Basis for This Direct Dispute : Validation of account # XXXX Due, to so many inaccurate reportings, by Exeter finance and in a final attempt to either validate this account completely and/or have this account, in its entirety, removed from my credit files. I demand Exeter finance to clear the record by providing the information listed below : - Verifiable and irrefutable evidence of payments made o Since you have proven to not be a good record keeper and have shown how predatory you can be towards my credit files. I demand for you to provide me with factual account details for Acct # XXXX, as well as, factual verifiable account and transaction details of Exeter finances Personal/Business Account ( showing precisely what date payments went into your account, how they went it and via what method the payments/late payments went into Exeters account with ). - Factual history of payments/late payments - Methods of validation you used to validate this account, its information and its payment/late payment history with all credit bureaus during each dispute within the past 6 months. - I also demand to see how payments, were allocated towards this account Acct # XXXX, as well as, how payments were allocated toward principle and interest amounts. ( Not just a regular account notice. I want to see what percentage of payments went to each, for all payments late and on-time ) - Per your website it says ( 4 ) extensions were granted. Pursuant to Sec. 36a-784. ( Formerly Sec. 42-97 ). Renewals and extensions. Whenever any sales finance company or retail seller renews or extends the installments remaining unpaid so that the retail installment contract is both extended beyond its original date of final payment and the installments are reduced or increased in amount, such renewal or extension agreement shall be in writing. Please provide documentation of such. In addition, please provide documentation of how these were calculated into my payments, balance or account period. If you unable to provide any of the information listed in this paragraph, please correct any applications of this towards any and all balances. - I demand proof of contractual obligation, liability waivers, etc. ( Any and all signed documents ) - If you claimed a XXXX please provide copies of such documentation as well any documentation that would prove that it should not be rescinded. Payments history is inaccurate and varies across all credit bureaus : Payment dates/Late payment dates ; were verified by you as accurate, changed, and then re-verified multiple times. - Per the information listed for this account Acct # XXXX on your website and in accordance with the payment notifications listed there or lack thereof, accounting shows ( 28 ) payments made, but the payments, you have verified with each of the credit bureaus only shows that you have applied, at most, ( 23 ) payments. Where are these other payments? How did they disappear? Where would they go? And if applied elsewhere please provide my consent and notices from Exeter indicating such. - Furthermore, each time I have disputed this account, you have change the payment dates/late payments dates. How can you verify the information as accurate with the credit bureaus then change the late payment dates and re-verify then change the payment dates again? - Each of the credit bureaus has a different variation of payment history for this account. Each Dispute produced different variations of what was supposed to be verified, as of the 1st dispute. - Date of First Delinquency : have been reported as one date, changed, and then verified and changed again. According to the various, ever changing payment/late payment dates the Date of 1st delinquency could be any of about 4 or 5 different dates .This is classified as re-aging an account which is in violation of FCRA Section 623 ( A ) ( 5 ) In addition, Provide valid dates of : - when you claimed repossession/ took possession of the vehicle listed under this account - when charge off officially took place. - Also, accurately verified open and closed dates of this account - Also, Ive never mailed in payments on any account before, as well as the account I had at this time did not have checks attached to it. Exeter account shows a mailroom payment listed on the account shown as : XX/XX/XXXX XX/XX/XXXX Payment Received - Thank you. Mail Room - Bank Account {$360.00} o Please provide copies of this payment account number/name on account/authorization/payment method, as well, Exeter Finances own bank and transaction records to verify the validity of this payment. If payment method was money order/check please provide copy of check/ money order showing a signature and a tracking/account number name etc. I do believe this payment to be illegal and in violation. - XX/XX/XXXX there was a fee waive shown as : XX/XX/XXXX XX/XX/XXXX Fee Waived - Thank you ( {$480.00} ) o Please provide information on what this fee/payment was for and how it was paid, who paid it, as well as an explanation to why a payment is being made in XX/XX/XXXX? Please clarify the record, provide correct dates for all 3 credit bureaus reporting as well as a correct payment history for the account. Your failure to in providing the irrefutable proof listed in all sections before this, will show your unwillingness to validate this account. If you are unable to perform a reasonable investigation, or you are unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. Please be sure to make sure everything you report is valid and true. Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ), you have the duty to review all of the information in this Notice of Dispute, to complete your investigation, and report back to me the results of your investigation, within 30-days of my Notice of Dispute. Also, be advised during the years your company has also made multiple violations per FDCPA - Contacted a relative and mentioned details of this debt - Contacted my place of employment mentioning details of this debt Best Regards, XXXX XXXX Cc : CFPB Cc : FTC Cc : XXXX Cc : XXXX Cc : XXXX Cc : XXXX Cc : XXXX Cc : XXXX Attorneys General Office Pursuant to Sec. 36a-784. ( Formerly Sec. 42-97 ). Renewals and extensions. Whenever any sales finance company or retail seller renews or extends the installments remaining unpaid so that the retail installment contract is both extended beyond its original date of final payment and the installments are reduced or increased in amount, such renewal or extension agreement shall be in writing. Such sales finance company or retail seller may, any law to the contrary notwithstanding, make or collect a total additional charge therefor not exceeding an amount equivalent to a true rate of interest of twelve per cent per annum on the respective descending balances computed from the date of the oldest unpaid installment existing prior to such renewal or extension. When the renewal or extension does not include both an extension beyond the original date of final payment and a reduction or increase in the amount of the installments, such sales finance company or retail seller may make a total additional charge therefor up to the maximum lawful contract rate of interest permitted under the laws of this state but not exceeding twelve per cent true interest per annum, on the payment or payments extended for the period or periods of the extension. Disputes to Furnishers : You must investigate a consumers dispute if it relates to : the consumers liability for a credit account or other debt with you. For example, disputes relating to whether there is or has been identity theft or fraud against the consumer, whether there is individual or joint liability on an account, or whether the consumer is an authorized user of a credit account ; the terms of a credit account or other debt with you. For example, disputes relating to the type of account, principal balance, scheduled payment amount on an account, or the amount of the credit limit on an open-end account ; the consumer 's performance or other conduct concerning an account or other relationship with you. For example, disputes relating to the current payment status, high balance, date a payment was made, amount of a payment made, or date an account was opened or closed ; or any other information in a consumer report about an account or relationship with you that affects the consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or lifestyle. Furnisher Rule 660.4 ( a ) Notes : Section 623 of the Fair Credit Reporting Act ( FCRA ), enforceable under the Fair and Accurate Credit Transactions ( FACT ) Act ; affords consumers the right to request that the furnisher of information conduct a reasonable investigation into the completeness and accuracy of the information being reported to the credit bureaus. Furnishers of information ( especially OCs ) are required under Section 312 of the FACT Act to establish and maintain guidelines on the accuracy and integrity of information furnished to credit bureaus, which means they should be able to conduct a proper investigation or records. Failure to perform a reasonable investigation can constitute legal action under the FCRA, Section 616, for willful non-compliance. Case law establishing liability of reporting inaccurate information was established in XXXX v. XXXX and XXXX v. XXXX XXXX. Failure to conduct a reasonable investigation can also lead to complaints being filed with your states Attorney General, the Federal Trade Commission and the Consumer Financial Protection Bureau. Guidelines for Policies and Procedures You must establish and implement written policies and procedures regarding the accuracy and integrity of information you furnish to a CRA. Guidelines are in Appendix A to XXXX XXXX XXXX XXXX. Read the Appendix ; the information here is just a sample. Your policies and procedures : must be appropriate to the nature, size, complexity, and scope of your activities ; must be reviewed periodically and updated, as necessary ; should ensure that information provided to a CRA is for the right person, and reflects the terms of the account and the consumer 's performance on the account ; require maintenance of records for a reasonable amount of time ; establish internal controls for the accuracy and integrity of information, such as through random sampling ; prevent re-aging ( inaccurately changing the date of first delinquency on a consumers account to a later date ) and duplicative reporting, particularly following portfolio acquisitions or sales, mergers, and other transfers ; and require updating of furnished information where necessary. Information should : be substantiated by your records when it is furnished ; include consumer identifiers, like name ( s ), date of birth, Social Security number, telephone number ( s ), or address ( es ) ; and be furnished in a standardized form and specify the time period it pertains to. If you dont comply with the FCRA, you may be sued by the FTC, Consumer Financial Protection Bureau ( CFPB ), state governments, or in some cases, consumers. The FCRA provides for maximum penalties of {$3800.00} per violation in the case of lawsuits brought by the FTC. FCRA 616, 617, 621 Deficiency Notice XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX Exeter Finance XXXX. XXXX XXXX XXXX, TX XXXX Acct # : XXXX To Whom It May Concern : Under the laws of the State of Indiana UCC 9-506 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices, dates mailed, not dates listed on a piece of paper Ive never seen before and proof of the commercially reasonable manner of the resale of the subject vehicle, a security agreement that shows I owe the debt and proof that you upheld your part of the security agreement and a liability waiver. If you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC - 9 remedies If no such proof is provided within 15 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. Sincerely, XXXX XXXX
01/23/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	IL 60610	Web	Older American
AFFIDAVIT OF RESPONSE FOR CEASE-AND-DESIST CONSUMER ENFORCEMENT AS ADMINISTRATIVE COUNTER-CLAIM BY PRIVATE RIGHT OF ACTION ____________________________________________________________________________________ I, XXXX XXXX ( hereinafter affiant XXXX XXXX being a man in possession of a federally protected consumer XXXX XXXX XXXX, debtor, and holder in due course pursuant UCC 3-306, am writing the man XXXX from the XXXX Household being that senior trustee doing business as EXETER FINANCE in response to EXETER FINANCEs repossession of my private, claimed XXXX XXXX XXXX XXXX property in the State of Illinois. Under the laws of the State of Illinois XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. Additionally, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC remedies. In addition, I do require EXETER FINANCE to either affirm or deny the following, in writing under the pains and penalties of perjury as I do believe that I am qualified for a grand recoupment due to an extreme Breach of Trust regarding EXETER FINANCE. Statement of Facts Fact, EXETER FINANCE, is a for-profit company whose headquarters is located in the area of XXXX, Texas, XXXX, XXXX XXXX XXXX. Fact, the account in question was opened on XX/XX/XXXX, with, EXETER FINANCE using my personal identification as relayed on my SOCIAL SECURITY CARD i.e. credit cardinformation as defined by Congress in 15 U.S.C. 1602 ( l ). Fact, ACCOUNT NUMBER XXXX pursuant to 12 CFR 1002.2 ( a ) means an extension of credit. When employed in relation to an account, the word use refers only to open-end credit. Fact, since opening the account in question in on XX/XX/XXXX, I have paid a monthly bill to EXETER FINANCE, online, using my personal debit card information. Fact, I, the affiant, have received several statements including the subject matter of an attempt to collect an alleged debt for Account number : XXXX. Fact, I, the affiant, have reason to believe and do so believe, as a federally protected consumer owe no such alleged debt ( XXXX ). Fact, I, the affiant, have reason to believe and do so believe that all past, present, and future billing statements received by EXETER FINANCE are billing errors under 12 CFR 1026.13 ( a ), beginning with the date the account was opened on XX/XX/XXXX. Fact, I, the affiant, have reason to believe and do so believe that all past, present, and future billing statements received by EXETER FINANCE are billing errors under 12 CFR 1026.13 ( a ), beginning with the date the account was opened on XX/XX/XXXX. Fact, I, the affiant, am aware that EXETER FINANCE, failed to provide me with the General Disclosures which are requirements pursuant 12 CFR 1026.17 and is a violation of said section. Fact, I, the affiant, am asserting my right to acquire documentary evidence in accordance with 15 U.S.C. 44 for the books of account as defined in IRS Publication 583, to explain and address such subject matter contained in said billing statements. I'd like to access both the journal and credits of the account, as well as the ledger and debits of the account, in order to verify the current accounting and taxes related to this account. Fact, in accordance with 15 U.S.C. 1666d, if there is a credit of account balance with surplus over 1 dollar in accordance with the journal and ledger entries described in IRS Publication 583, the amount balance should be credited and the remaining balance directed to I, the consumer by check. As this is a formal instruction in accordance with 15 U.S.C. 1666 ( b ) ( 2 ) to provide documentary evidence, which includes books of account in accordance with 15 U.S.C. 44 to resolve this billing error, the documentary evidence, which includes books of account in accordance with 15 U.S.C. 44, must be provided to clarify this amount. Fact, I, the affiant, am aware, with resolving this billing error, the creditor has legally agreed to forfeit all rights to collect on all past, present, and future amounts in dispute pursuant to Title 15 U.S. Code 1666 ( e ). Fact, EXETER FINANCE shall follow the following procedures as defined pursuant 12 CFR 1026.13 ( e ) : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable ; and ( 2 ) Mail or deliver a correction notice to the consumer. I hereby demand that all future coupons be sent to my place of abode, as listed on the account in question, in the form of a check, from XX/XX/XXXX current, and future payments. Fact, I, the affiant, hereby invoke my right as a consumer to withhold all past, present, and future disputed amounts pursuant 12 CFR 1026.13d ( 1 ). Fact, I, the affiant am aware, that, EXETER FINANCE as the creditor may not collect any disputed amount. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, or close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Such actions by EXETER FINANCE will forfeit its rights to collect the disputed amount as described in 15 U.S. Code 1666 ( e ) and hold the creditor liable under 15 U.S. Code 1693m for EXETER FINANCE for the actual damage caused to I, the affiant, as well as held to criminal liability pursuant to 15 U.S. Code 1693n for failing to present required documentary evidence as requested to clarify and resolve the previously addressed billing error. Fact, I, the affiant am aware, EXETER FINANCE, can not and shall not restrict nor limit nor cause any disruption of any manner of the account in question pursuant to 12 CFR 1026.13d ( 3 ), a creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumers account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section, Fact, I, the affiant am aware, that, in accordance with 16 C.F.R. 433.3 EXETER FINANCE is not exempt from any claims or defenses as described in 16 C.F.R. 433.2 ( a ) as the affiant, may invoke his rights as the debtor in this consumer credit contract against EXETER FINANCE for the unfair and deceptive practices herein as no contract after the date of XX/XX/XXXX, is exempt from 16 C.F.R. 433.3. Fact, I, the affiant, have reason to believe and do so believe, EXETER FINANCE which is a private for profit corporation, regardless of your location, has participated in racketeering activity as defined in Title 18 U.S. Code 1961, by knowingly, intentionally, with forethought and malice have been sending dividends but, in fact, making me believe that dividend was an invoice for services provided by the utilities companies, which is embezzlement, theft by deception and extortion. Fact, I the affiant, have reason to believe and do so believe, EXETER FINANCE is in violation of 18 U.S. Code 1341 by knowingly participating in the fraud through the US Mail. Fact, I, the affiant do hereby request that, EXETER FINANCE show integrity my producing the scheduling balance sheet RC-C showing loans and lease financing receivables or assets and RC-L Call Reports evidencing Securitization of the Purchase Installment Agreement as an Off Balance Sheet Item under the TRANSFER AND SERVICING AGREEMENT and the accounting ledger for the above alleged Automobile Loan transaction, to show that EXETER XXXX is in XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX ] No. XXXX XXXX of XXXX XXXX and credited my payment as a cash deposit and receipt as the Payor when the entry was made under 1813 ( l ) ( 1 ) 1 of title 12. In addition, I require that I and an disinterested third party inspect the 1099A as an acquisition and 1099OID as an Original Issue Discount and the U.S. Informational Tax Return form 1096 showing the Capital Transfer Tax withheld and paid out as a taxable termination by the Trustee of the TRANSFER AND SERVICING AGREEMENT under 2511, 2603 ( 2 ), 2611 ( a ) of title 26 of the Internal Revenue Code. Otherwise EXETER FINANCE is now in possession of contraband upon which a lien has attached under 6324 ( C ( ( 2 ) of title 26 of the Internal Revenue Code until the Capital Transfer Tax is paid in full. Fact, without an affidavit response with a rebuttal, point for point, then I am conditionally accepting your non-reasonable response, as frivolous, and I will file fault judgment in the favor of the interest of I the consumer, holder in due course, attorney, and administrator in fact. Fact, I, the affiant am aware, an unrebutted affidavit stands as truth in commerce. Fact, I, the affiant, am invoking my rights pursuant to 15 U.S. Code 1692c ( c ), I demand you to cease any communications and collection activity of this alleged debt until you can provide me with the requested information in this affidavit herein. In addition XXXX XXXX, I request a copy of the RC-S CALL REPORTS showing EXETER FINANCEs assets or receivables that have sold or securitized for the first and last quarters of the loan period. Schedule RC-S should be completed on a fully consolidated basis. Schedule RC-S includes information on assets that have been securitized or sold and are not reportable on the balance sheet of the Report of Condition, except for certain on-balance-sheet retained interest-only strips ( which are reported in item 2.a of this schedule ), subordinated securities and other enhancements ( which are reported in items 2.b and 9 and Memorandum items 3.a. ( 1 ) and ( 2 ) ), and sellers interests ( which are reported in items 6.a and 6.b ). XXXX, you have fifteen ( 15 ) days from the date of delivery to respond to this notice. Should there be dishonor in the aforementioned requested documentation by way of unrebutted affidavit, failure to disclose requested documents or failure of response, and the particular requests to rectify any fault by EXETER FINANCE herein, will serve as acquiescence and your agreement to a default judgment against your company for the dishonor in the negotiable instrument, bank fraud, creation of the false and deceptive form, mishandling of goods, compromising my relationship with other financial institutions and including stress caused to me in the attempt of exercising my rights in good faith. However, XXXX XXXX I do in good faith expect you to handle these matters with ordinary care to address all subject matter.
11/02/2022	Yes	Vehicle loan or lease Lease	Getting a loan or lease Fraudulent loan	FL 33578	Web
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX RE : RIGHT OF RESCISSION TO WHOM IT MAY CONCERN, We, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, Original Creditors and Natural Person ( s ) hereby rescind our consent to be liable to perform in the IMPLIED contract agreement We entered with XXXX on XX/XX/XXXX concerning the XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ). We entered into this IMPLIED contract agreement with XXXX without 1 ) Full disclosure of my right to rescind. 2 ) Transparency regarding the process of the Consumer Credit Application being the financial asset ( 12 C.F.R. 360:6 ( 2 ) ) as well as self-liquidating paper ( 17 C.F.R. 260.11b-6 ). We have reason to believe XXXX took advantage of us and our Consumer Credit under IMPLIED contract. After reviewing the documents furnished to Us consumers in this transaction for personal use, it's come to our attention that they are intentionally deceptive and misrepresentation of material fact. The documents appear to be hypothecation agreements for your benefit and to the detriment of Us ( consumers ). Us consumers neither abandoned, gifted, nor pledged our assets for your benefit and demand and closure and XXXX balancing of our account along with a check for the debt and interest held in escrow in our favor as entitlement holder. We are NOT in contract with the feigned lender ( Exeter ) aka the XXXX, XXXX is XXXX XXXX took our proceeds because they create the presumption that you are the accommodation party and relinquished/abandoned your claim to reimbursementyou have to correct that false impression by expressing the trust as the grantor and beneficiary not being the owner / trustee. We did NOT abandon the underlying obligation nor the proceeds generated therefrom. All debts are PRE-PAID. A DEBT is CREDIT LIABILITY and is OWED to Us because We created it and are entitled to reclaim it. XXXX created the false impression that the feigned lender ( Exeter ), who in FACT is a XXXX XXXX advanced Us their capital to acquire a XXXX XXXX XXXX XXXX The Retail Installment Contract ( aka Indenture Lien ) indicates retention or acquisition of a security interest in our principal dwelling, respectfully, which is indicated via Our signatures because our principle dwelling our person ( s ). Pursuant to 15 U.S. Code 1662, No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state : ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. ( 2 ) that a specified down payment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges down payments in that amount. Pursuant to Title 12 C.F.R. 1026 a1 ; In a credit transaction in which a security interest is or will be retained or acquired in a consumer 's principal dwelling, each consumer whose ownership interest is or will be subject to the security interest shall have the right to rescind the transaction.. The addition to an existing obligation of a security interest in a consumer 's principal dwelling is a transaction. The right of rescission applies only to the addition of the security interest and not the existing obligation. The creditor shall deliver the notice required by paragraph ( b ) of this section but need not deliver new material disclosures. Delivery of the required notice shall begin the rescission period. We granted XXXX Exeter the right to purchase Our security on CREDIT and you all are OBLIGATED to REPAY Us the Credit Liability . This is a Principle/ Agent Relationship. Were the Grantors of Trust and you all are the special agents to execute Our transaction, however, Youll willingly deceived Us and withheld the receipt of Our transaction for your benefit. You pawned it and used Our assets as collateral and have Us repaying the loan/advance. The vehicle was already PAID with Our signatures. The signatures turned the paper into money, which youll cashed in. The vehicle has an original bond with interest that XXXX is supposed to pay, but XXXX deceitfully directed those payments to Us in the form of car payments. The Effects of Rescission Pursuant to 12 C.F.R. 1026.23d are as follows : ( 1 ) When a consumer rescinds a transaction, the security interest giving rise to the right of rescission becomes void and the consumer shall not be liable for any amount, including any finance charge. ( 2 ) Within 20 calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction and shall take any action necessary to reflect the termination of the security interest. ( 3 ) If the creditor has delivered any money or property, the consumer may retain possession until the creditor has met its obligation under paragraph ( d ) ( 2 ) of this section. When the creditor has complied with that paragraph, the consumer shall tender the money or property to the creditor or, where the latter would be impracticable or inequitable, tender its reasonable value. At the consumer 's option, tender of property may be made at the location of the property or at the consumer 's residence. Tender of money must be made at the creditor 's designated place of business. If the creditor does not take possession of the money or property within 20 calendar days after the consumer 's tender, the consumer may keep it without further obligation. ( 4 ) The procedures outlined in paragraphs ( d ) ( 2 ) and ( 3 ) of this section may be modified by court order. In Addition, We were given false and deceptive information ( Violation of 15 USC 1692e ) as we were told that a down payment of ( {$2500.00} ) was needed to drive off the lot. Pursuant to 15 USC 1605 a finance charge is a sum of all charges. Pursuant to 12 C.F.R. 1026.23a3. Unexpired right of rescission. i. When the creditor has failed to take the action necessary to start the three-business day rescission period running, the right to rescind automatically lapses on the occurrence of the earliest of the following three events : A. The expiration of three years after consummation of the transaction. B. Transfer of all the consumer 's interest in the property. C. Sale of the consumer 's interest in the property, including a transaction in which the consumer sells the dwelling and takes back a purchase money note and mortgage or retains legal title through a device such as an installment sale contract. ii. Transfer of all the consumers ' interest includes such transfers as bequests and gifts. A sale or transfer of the property need not be voluntary to terminate the right to rescind. For example, a foreclosure sale would terminate an unexpired right to rescind. As provided in Section 125 of the Act, the three-year limit may be extended by an administrative proceeding to enforce the provisions of this section. A partial transfer of the consumer 's interest, such as a transfer bestowing co-ownership on a spouse, does not terminate the right of rescission. On your Page 2 of the Retail Installment Contract its states : Applicable Law ; Federal law and the law of the State of Florida apply to this Contract. If any provision is not valid, all others stay valid to the extent allowed by applicable law. In the Arbitration Provision section on page 3 of the Retail Installment Contract, section XXXX States : Governing Law ; This Arbitration Provision is governed by the Federal Arbitration Act and not by any state arbitration law. The arbitrator must apply applicable statutes of limitations and claims of privilege recognized at law, and applicable substantive law consistent with the Federal Arbitration Act. The arbitrator is authorized to award all individual remedies permitted by the substantive law that would apply if the action were pending in court. Section J states : Rules of Interpretation ; This Arbitration Provision survives the repayment of all amounts owed to us, the transfer of the Contract, and any bankruptcy by you, to the extent not inconsistent with applicable bankruptcy law. Except as provided in paragraph ( f ), if any part of this Arbitration Provision is determined to be invalid or unenforceable, this Arbitration Provision and the Contract will remain enforceable. In the event of a conflict or inconsistency between this Arbitration Provision and the applicable arbitration rules or the other provisions of this Contract or any other contract between you and us, this Arbitration Provision will govern. However, in the event that you finance ( his purchase with or through us, ( he Arbitration Provision in your Retail Installment Contract is controlling and supersedes the terms of this Arbitration Provision. Pursuant to 17 CFR 240.10b-5 - Employment of manipulative and deceptive devices It shall be unlawful for any person, directly or indirectly, by the use of any means or instrumentality of interstate commerce, or of the mails or of any facility of any national securities exchange, ( a ) To employ any device, scheme, or artifice to defraud, ( b ) To make any untrue statement of a material fact or to omit to state a material fact necessary in order to make the statements made, in the light of the circumstances under which they were made, not misleading, or ( c ) To engage in any act, practice, or course of business which operates or would operate as a fraud or deceit upon any person, in connection with the purchase or sale of any security. In conclusion, We were NOT given full disclosure as to the nature of the transaction and refuse to have our money and property used to collateralize your investments for your profit and gain to Our detriment. Please supply the proper endorsement for account settlement and clearing rendering reimbursement to XXXX XXXX XXXX, the holder in due course. We are NOT canceling OR terminating the contract. We are deducting our liability to pay on behalf of the obligor, as we have found several violations. Notice the Pursuant to 15 U.S.C. 1635 ( b ) upon receipt of this rescission, we are NOT liable for ANY Finance Charge, security interest, etc, becomes void effective IMMEDIATELY. Down Payment Reimbursement shall be made by check payable to : XXXX XXXX XXXX, XXXX XXXX [ Beneficiary ] Without Prejudice All Rights Reserved
06/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30101	Web	Servicemember
Im filing this complaint against XXXX, I have tried and sent countless complaints and ftc identity theft reports showing and proving Im a victim of identity theft and I have been ignored, XXXX has shown negligence and disregard for my rights and privacy, I filed a ftc complaint against Exeter finance for stealing my identity and using it to open this fraudulent account in my name, I will provide documentation to prove that Exeter finance has went as far as to deceive XXXX, exeter finance initial balance was XXXX dollars then the amount changed to XXXX dollars, exeter finance made XXXX believe that the car was sold at auction and that was the remaining balance, resources I have has provided that the state of ga has no record of a repossession, my information I have been giving has shown by a previous manager that Exeter finance has placed this vehicle on a truck sent the vehicle out of state by XXXX so this vehicle woujd not be found, the vehicle was sold to an individual in Florida, this XXXX was sold to an auction, this was made to be a. deception by exeter finance and XXXX, XXXX ran an auto check and found by running the vin number, the vehicle was purchased by an individual that bought from XXXX in Florida not at an auto auction, because like the documents I have that show this vehicle was spotted on the website of XXXX and it was setting on a XXXX car lot in Florida I have the documentation to prove it, exeter finance has deceived both CFPB and has denied removing this fraudulent account, the of ga does it have any record of any repossession of that vehicle, I also have fabricated documents that was sent to an address I dont live was shown that the car was sold at an auction, but wasnt, so Exeter finance has lied, now remove this car from my credit report or I will sue for Damages and negligence by Exeter finance and I will file this complaint with the attorney general in Texas for review and show that Exeter finance committed fraud and lied about the selling of this car I never owned, I will not under no circumstances send any information to Exeter finance. My information has already by this company been compromised and used, XXXX helped Exeter finance by providing false statements and information of the where about sand how this car was sold and I will also turn this over to the attorney general for the state of ga, for deception and not providing accurate information on how this vehicle was sold, I have documentation that shows the date that car was bought and where it was bought from ( XXXX car lot in Florida ) this vehicle was found by the vin number being searched by XXXX and this vehicle needs to be remove before I file suite thats all you got to do in this matter, I will provide the attorney general in Texas that documentation to show the matter in which Exeter finance has not provided any information on the that the car was sold at auction it never was, I ran this pass a good friend for the state all repossessions are supposed to be reported as reposssed that didnt happen but yet Exeter finance got XXXX to load this vehicle on a truck and take out of state to another car lot and lied his the car was sold, thats deception and covering up as fraud in this matter, easy fix I dont want money or anything just remove this vehicle or Im going to the news media and provide those documents to an investigative reporter and show just how Exeter finance needs to be brought under investigation by CFPB and the federal trades commission for fraud, please dont make me push any more points I tried to be nice your reps on the phone were very rude and unprofessional and recorded, in my state I can record anyone I see fit under ga start ga , remove this account from XXXX thank. Now here is a cease and desist demand as of today I can file an initial order and send to Exeter finance. 1 ) stop sending letters of a harassing nature 2 ) you are being requested by the sole authority of that property not to send anymore letters to that address 3 ) do not try any form to communicate through that address or your actions will be deemed inappropriate and harassing. 4 ) any further communication from this point will be considered harassment by Exeter finance and deemed inappropriate for further action against the exeter finance 5 ) legal action will be initiated and a report filed for any further action will be documented and used for the purposes described in this cease and desist order, calls will be recorded and documented and immediately reported as harassment. 6 ) as of today no letters or any communication or correspondence from exeter finance will be made or received communication stops as of this filing with the CFPB, this serves as a notice and written communication. 7 ) this communication is to be taking seriously, follow this order as it is written any disregard will be a complaint filed for harassing from this point This is to be seriously and considered what this complaint and order that has been filed, the person at that address has complained to law enforcement about the constant harassment from Exeter finance stop sending letters, that account is fraud and needs to be removed immediately and stop using my personal as gain or you will be sued for actual damages, Im asking fro this point nicely you have deceived XXXX XXXX remove this account from my file please read this entire complaint, this car and information that was provided was fraudulent. 8 ) any communication from this point after Exeter Finance receives this communication and fails to abide by its terms as written will be handled by authorities for any harassment, the sole person responsible for this cease and desist order demands you stop any and all activity if ignored charges will be filed Thank you I spoke to your account manager XXXX over the phone today XX/XX/XXXX this information im sending Exeter finance meds to be taking seriously, I have not open any account I have explained to XXXX over the phone I will not send any information to Exeter finance, yall have already compromised my information with out my knowledge, I have considered turning this over to an attorney to start a law suite but I would consider this matter closed if this account is taking off my credit report, I have stated to XXXX ( account manager or department manager ) that my information was leaked on the dark web she started a inquiry on my be half, I have also initiated an investigation through XXXX I did not open this account, the information I am providing is a ftc identity theft report and screenshots showing this vehicle was not repossessed nor was it sold at an car auction, this vehicle was found on a lot in Florida by an investigator and said that this vehicle was ok the lot of XXXX XXXX when sold, false and misleading information was sent to an address I did not Ive at which Is my girlfriends address, the letter stated that the car was repossessed and sold to an auction, this is false information, XXXX and the investigator notified me about the information provided, the vin number was ran through the state of ga system and found that the vehicle was not repossessed and that in fact not information was found that the vehicle has been sold at any auction in ga, sense I didnt own this vehicle, by the information I was giving that any vehicle repossessed and claiming that it was auctioned off has to be recorded and reported through the state of ga, XXXX and the investigator provided such information, under the direction of the investigator and advice of attorney I will not provide any information to Exeter finance, yall committed identity theft to me, just take this off my credit I have information that contradicts the letter in which yall sent to the address I never lived at, and that this car was not repossessed at all, its simple just take the account off my credit report and that would be it, I have proof that someone at Exeter finance lied and sent false information that can be used in open court im not willing to go that far not file any suite , but it would be my right to, the information that was provided to XXXX is false and misleading information, it needs to be deleted immediately, that vehicle was sold to an individual in Florida from XXXX XXXX, the investigator found and spoke to a manager and that information was given to reference that the vehicle was not sold at an auction, rather it was loaded in a truck and sent out of state to avoid the vehicle being found because XXXX XXXX information was used, I am a victim of identity theft, please do not ask for my information as Im providing enough to Exeter finance to remove this account from report, yall have used my information illegally and now I am showing that the information I have and what was provided to me shows that this vehicle was sold by XXXX XXXX in Florida to a male XX/XX/XXXX and its shows on auto check as this vehicle was never repossessed by Exeter finance and was not reported, plesse delete this account im also sending a letter from the IRS showing through them a victim of identity theft, someone tried to file taxes in my name by using my information, my information was leaked on the dark web, and a letter from XXXX XXXX showing a data breach of my information so you can an understanding of what I been through this information im sending will be saved as proof Im sending to Exeter finance XXXX XXXX knew about the data breach in XXXX and did not notify me or any consumer until XXXX they were fined and investigated for the incident, I have sued and won my case against XXXX XXXX for leaking and exposing my information, and they have open numerous accounts fraudulently In my name please understand what I have been through with all this I have locked down my credit so please thank you.
08/26/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 34234	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Lender Name : EXETER FINANCE LLC Lender Address : XXXX XXXX XXXX XXXX OH XXXX RE : Right of Rescission In reference to this vehicle : XXXX XXXX XXXX VIN NUMBER : XXXX EXETER FINANCE LLC was mailed an Official Right to Rescission letter and this letter was received on XX/XX/XXXX at XXXX XXXX. The mailing address of XXXX XXXX XXXX XXXX OH XXXX was provided in my retail installment agreement. The USPS tracking number for this letter was XXXX This is XXXX XXXX XXXX, Pursuant to my rights under the XXXX Florida Statutes and 15 U.S. Code 1635 - Right of rescission as to certain transactions that the Federal laws governing over this retail installment contract or retail purchase agreement I will be terminating and rescinding this agreement between XXXX XXXX XXXX and Exeter Finance LLC. I have reason to believe that XXXX XXXX XXXX and EXETER FINANCE LLC on the date of XX/XX/XXXXXXXX has violated provisions of the Federal Trade Commission Act ( FTC Act ), the Truth in Lending Act ( TILA ), and the Consumer Leasing Act ( CLA ) with the retail installment contract I signed purchasing a XXXX XXXX XXXX - VIN NUMBER : XXXX. Pursuant to 15 U.S. Code 1635 - Right of rescission as to certain transactions ( a ) Disclosure of obligors right to rescind Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau, of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. As stated in my email to XXXX XXXX XXXX on XX/XX/XXXX, I informed the Finance Manager, I was coming to the dealership to conduct the business of a consumer credit transaction for a vehicle. Pursuant to 15 U.S. Code 1635 - Right of rescission as to certain transactions The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. The creditor in this case was XXXX XXXX XXXX, I never received any Truth in Lending Act disclosures, or factory warranty information on this vehicle before I signed the retail installment agreement on XX/XX/XXXXXXXX I requested this information via email and also in person with the finance manager. The TILA information request was declined. I wasnt told about the Finance Charge or any information on vehicle. The vehicle factory warranty was out of date because the vehicle had XXXX miles on the dash boarding odometer. The XXXX XXXX XXXX XXXX is highlighted. XXXX XXXX XXXX XXXX XXXX mi basic, XXXX XXXX mi XXXX XXXX XXXX standard warranty for new vehicles includes coverage for 4 years or XXXX miles ; whichever comes first. This is a bumper to bumper warranty that will repair or replace any part that is defective in material or workmanship under normal use. Pursuant to 15 U.S. Code 1635 ( b ) - Right of rescission as to certain transactions ( b ) Return of money or property following rescission When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value. Tender shall be made at the location of the property or at the residence of the obligor, at the option of the obligor. If the creditor does not take possession of the property within 20 days after tender by the obligor, ownership of the property vests in the obligor without obligation on his part to pay for it. The procedures prescribed by this subsection shall apply except when otherwise ordered by a court. Starting on the date of XX/XX/XXXX the lender EXETER FINANCE LLC has been given the courtesy to tender the property by XXXX XXXX XXXX, XXXX XXXX XXXX, as being the obligor and EXETER FINANCE LLC as being the creditor. Pursuant to 15 U.S. Code 1635 ( b ) - Right of rescission as to certain transactions, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value. XXXX shall be made at the location of the property or at the residence of the obligor, at the option of the obligor. Starting from the date of XX/XX/XXXX the rescission letter was received to the date of XX/XX/XXXX I called and have given EXETER FINANCE LLC an opportunity to tender the property at several XXXX locations and to paid them in full for the balance of {$23000.00}. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. As a point of reference on XX/XX/XXXX and XX/XX/XXXX will be highlighted as Tender shall be at the location of property because Exeter Finance LLC received my letter of rescission on XX/XX/XXXX and on XX/XX/XXXX I received a trade in voucher offer to sell the vehicle outright to XXXX XXXX XXXX and XXXX XXXX XXXX for the total payoff amount of {$23000.00} owed to Exeter Finance LLC. EXETER FINANCE LLC was called and made aware of a trade in voucher offer with XXXX XXXX XXXX and XXXX XXXX XXXX on XX/XX/XXXX, EXETER FINANCE LLC didnt provide me with a new financing opportunity to trade in the XXXX XXXX XXXX VIN NUMBER : XXXX. I have attached from XXXX the Trade in Voucher Offer as the point of reference confirming, the obligor shall tender its reasonable value. The reasonable value amount was {$23000.00} the full pay off amount. The XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Dealership was the location. XXXX shall be made at the location. My option as the obligor for the location, I XXXX XXXX XXXX selected XXXX XXXX XXXX and XXXX XXXX XXXX to make sure EXETER FINANCE LLC had a fair opportunity to receive reasonable value in the amount of {$23000.00} As the official tender date started on XX/XX/XXXX I, XXXX XXXX XXXX have given EXETER FINANCE LLC a fair opportunity to receive a full pay off in the amount of {$23000.00} as the reasonable value amount as highlighted in 15 U.S. Code 1635 ( b ) - Right of rescission as to certain transactions, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value. XXXX shall be made at the location of the property or at the residence of the obligor, at the option of the obligor. I, XXXX XXXX XXXX, have fulfilled my obligation on this retail installment agreement with EXETER FINANCE LLC to rescind this agreement by the date of XX/XX/XXXX. Pursuant to 15 U.S. Code 1635 ( b ) - Right of rescission as to certain transactions If the creditor does not take possession of the property within 20 days after tender by the obligor, ownership of the property vests in the obligor without obligation on his part to pay for it. The procedures prescribed by this subsection shall apply except when otherwise ordered by a court. The official tender date was XX/XX/XXXX, I submitted documentation by extending my credit in a new consumer credit transaction to the XXXX XXXX explaining I would like to tender this vehicle back to Exeter Finance LLC and I contacted Exeter Finance LLC to inform this company about the location of property. This letter dated on XX/XX/XXXX is confirmation that I, XXXX XXXX XXXX Pursuant to 15 U.S. Code 1635 have followed and complied with the Federal law requirements to rescind this retail installment agreement with Exeter Finance LLC. Sincerely, XXXX XXXX XXXX Signature : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX
09/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Received unwanted marketing or advertising	OH 439XX	Web
XXXX XXXX put me through pre- approval for over a year. The first time I applied I had pre- approval with excellent odds they pretty much told me it was guaranteed. They approved me {$15000.00} and {$1000.00} down BUT one big problem they didn't have any available cars for that price and to keep checking back and they kept showing me offers of brand new XXXX for {$50000.00} ( first time I applied was XXXX ) Your pre- approved Figure is locked in for 3 to 4 months and then you have to apply again. The second time I applied my credit score dropped XXXX points because of the last time but it said again excellent pre-approval now I was praying they had a car this time. NOPE, that didn't happen I only got approved for {$6000.00} and they wanted {$4000.00} down! At that time I didn't understand what was happening until now. So, I try again because I got approved for {$1000.00} down on {$15000.00} they got to give it to me again I haven't changed a thing. The third time I apply again credit score went down again I couldn't figure out why it was going down I was getting bad credit pre- approvals now that I look back. I'm pre- approved excellent. I got denied and told to apply again in 3 or 4 months. Finally I get a loan from Exeter I live in a rural area I drive 2 1/2 hours to get it, it's not ready and I broke down on the way home lights started blinking like crazy and then it died. I was in the middle of the highway it was late at night. That was on XX/XX/XXXX XXXX contacted them the next day and told them what happen and they were not sure why it happened and keep on eye on it and see if it happens again and I may have to drive it back 2 and 1/2 hours to get it fixed or towed. I don't receive my bill in the mail I know I have payment sometime in XXXX I have missed placed the folder plus because my son-in-law is XXXX XXXX XXXX XXXX XXXX XXXX and they have a XXXX year old. I need a working vehicle. I find the folder my payment due XX/XX/XXXX and I call them I tell them I didn't get my bill cause it's past the XXXX they said no problem lets make sure address is right and she will get it out to me and to contact her back if I don't receive in the next two week. I notice in the huge stack of papers when I found them and for a XXXX XXXX XXXX I'm paying {$41.00}, XXXX @ 25 % interest because in the pages I was signing away 50 pages on all those pages it said {$20000.00} retail buyer until close to the end and it says retail installment for a XXXX {$41000.00}. I couldn't do anything at that point because I need take my son- law to doctor. I did not realize I'm paying over double for a XXXX XXXX XXXX car it still ends up being a bad deal. I could have taken {$2000.00} and just bought one for that but NO XXXX XXXX made it seem like I was guarernteed pre-approved having the best odds with them and instead it turned into a nightmare. I finally get the bill from them it took the whole two weeks. I owe XXXX and I'm coming up on XXXX. I'm talking to dealership on how to get it looked at because the transmission wouldn't shift now 2 more times. I also have no tags because they have them and temp title. So they will check for dealership close to me and maybe get it towed there. I had the truck 60 days no repo notice no one said anything to me about they were taking it and my son in law wakes me up at XXXX XXXX screaming someone stealing the truck. I go running outside half dressed fighting with guy who came up into yard to hook up. He is screaming at me telling me I should of paid my bill I call the police because it's XXXX XXXX normal people don't sneak around someones house at XXXX XXXX. I tell officer I have the paperwork in the house I have no plates yet it broke I just put Down {$2000.00} and had it for 60 days. He told me no he don't need see it that a repoman can just take it. I said you show me some paperwork because my loan company never said anything or mailed me something saying they was going to repo. They were working with me. No the officer let him take it not showing any ID or paperwork didn't even tell me where he was from or where he was taking. I'm sorry I'm devastated at this point and then my son in law looses his battle and XXXX XXXX XXXXXXXX. I get my statement in XXXX for my payment not saying a word about them repossessing the car. I have no idea where it's at they have no idea it was repoed I just got it. I could not deal with this at that point. They don't even know they repo it. Nothing but a nightmare planning funeral with no vehicle and no one knows anything about but some guy at XXXX XXXX sneaking around who doesn't give business card just drives away it. On XX/XX/XXXX I get letter from Exeter we repo your car..yea two months ago..glad they found it. They want to reinstate the agreement WHAT. They had just called me two days ago and didn't even know it was repoed. Now the want me to take bake a broken down truck that's XXXX XXXX XXXX and paying {$42000.00} and they just realized I got repoed 2 months and again I get letters weeks after the dates on the papers. My husband passed away XX/XX/XXXX so now my daughter looses her husband and her father and our family is really devasted and have no vehicle and this company XXXX!! Send me my bills like I still have the car and then sends me notice 2 months after repoed they may repo it. On XX/XX/XXXX, I get call the dealership says your plates are ready title. WHAT?? I said does anybody know they repoed it. I have to tell someone from the company at least once a week " you took it 3 months ago '' and I got a letter this week it was sold back in XXXX and I owe {$15000.00}. Didn't even tell me date of sale nothing cause nobody at Exeter even knew it was repoed and was sold. I'm sorry this is so long I'm mourning this has been a nightmare. Own a truck cost me {$2000.00} maybe drove it 15 times and now it cost me {$15000.00} XXXX XXXX has caused me a nightmares my identity was stolen in XXXX they haven't helped me at all. I'm sorry when I saw this it made sense and this is the first I even talked about this XXXX truck. I think I'm just gon na stay off that site because I looked the other day when I got the papers saying they sold the truck but they just called to have me reinstated now they call me 3 times day I don't even answer I'm tired of telling every person who works at that company you already took it and sold it and it already on. XXXX XXXX See if I get pre-approved best deals. I'm sorry again anyone who reads this whole thing bless you. I also had my identity stolen back at the end of XXXX XXXX by that cyber space they stole {$10000.00} that the bank didn't even try to help me get back instead closed my XXXX XXXX XXXX account. Told me there really anything we can do. I went over to file a police report another woman was there same exact thing happened but not as bad as mine again the police XXXX said it is cyber we can't get them. They opened 3 cards in my name and used all my cards and took out close to {$10000.00} and have been disputing and asking for almost 2 years for help. I gave XXXX XXXX the people I talk to and what happened and because those credit card companies keep selling them I have to keep going through this and XXXX XXXX keeps denying me to remove them and now my companies gone out business because I have no credit and now back to XXXX I feel stolen from again. It took me a year to get that truck with their false hope and pre approval to drive it 15 days costing {$2000.00} cash and now {$15000.00} which broke down 3 times and wouldn't move the transmission in 60 days. My business was destroyed after they stole everything from me and XXXX. Then I finally get car almost year. Takes the only money I had {$2000.00} got 60 days and it broke down XXXX times. They don't even tell me their was a chance of a repo they were helping me and just said I have to catch up and pay the late fees and it would be fine. Nobody knew we're it was when it got repo and then it gets sold and they offer me a resolution thinking I still have the truck. How can a man sneak around someone house at XXXX am no identity no business card no name and just takes someone's car. That is stealing I told the officer I do that I'm going jail. Then I loose my husband of 16 years who was XXXX ( XXXX ) and my son in law XXXX ( XXXX ) in one month they sold it but didn't know. All this has broken me at this point. I've lost everything I couldn't even afford a funeral and then ssi tells me I have to wait 13 years to collect his ssi. All of this is a nightmare and it started in XXXX. I am Sorry it is just pouring out me I'm grieving I'm done. Have a blessed day.
08/05/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AR 721XX	Web
" As a creditor, Exeter has an obligation to report its consumers account information in accordance with the guidelines stated in the Fair Credit Reporting Act. The information, including the charge-off, reported to credit reporting agencies ( CRAs ) is accurate, and as such, no adjustments are necessary. '' - ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution ( Exeter Finance ) has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. - ( a ) Prohibition on obtaining customer information by false pretenses It shall be a violation of this subchapter for any person to obtain or attempt to obtain, or cause to be disclosed or attempt to cause to be disclosed to any person, customer information of a financial institution relating to another person ( XXXX ) by making a false, fictitious, or fraudulent statement or representation to an officer, employee, or agent of a financial institution ; ( 2 ) by making a false, fictitious, or fraudulent statement or representation to a customer of a financial institution; or ( 3 ) by providing any document to an officer, employee, or agent of a financial institution, knowing that the document is forged, counterfeit, lost, or stolen, was fraudulently obtained, or contains a false, fictitious, or fraudulent statement or representation. Exeter Finance has not performed their obligation which is an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Exeter Finance has been providing documents to an officer, employee, or agent of a financial institution, knowing that the document is forged, counterfeit, lost, or stolen, was fraudulently obtained, or contains a false, fictitious, or fraudulent statement or representation what documents you forged? ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution ( Exeter Finance ) may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option The biggest mistake Exeter Finance is doing right now is You Never got ahold of me ( consumer ) before the time such information is initially disclosed, to direct that such information NOT BE disclosed to such third parties. Exeter Finance Never furnish these Notifications to me I have been at XXXX XXXX XXXX XXXX for some years now and i never got no notification. What Representative ever gave me explanation on how to exercise that nondisclosure option My email : XXXX how come i never received disclosure stating such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party? Because you never furnished my disclosures Exeter Finance stated that in order to be compliance under Fair Credit Reporting Act You are obligated to report what law says you can do without my written instructions. If I Gave Your Company My Written Instructions To Report this alleged account than please provide if you cant this is Identity Theft. Please furnished to me that you gave me all my Disclosures according to 15 USC 94 failing to do so makes this whole Alleged Fraud " Regarding sharing your personal information with third parties, in Adherence to the Fair Credit Reporting Act ( FCRA ), Gramm-Leach-Bliley Act ( GLBA ), and associated regulations, Exeter provides our customers with a Privacy Notice to inform them of how Exeter shares their non-public personal information ( NPI ) with affiliates or nonaffiliated third parties. The Privacy Notice also includes an Opt-Out Notice which allows customers to prevent Exeter from the sharing of NPI by opting-out. These notices are mailed with the Welcome Packet then mailed annually to the last known address on record or emailed to those customers who have agreed to receive all correspondence electronically. ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section XXXX of this title. '' The OPT-Out Notice has everything to do with consumer reporting Agencies for they are Non affliated Third parties. Pursuant to 15 USC 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution MAY NOT DIRECTLY or THROUGH ANY AFFLIATE, disclose to a NONAFFLIATED THIRD PARTY any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. " As requested, the account has been placed in a cease-and-desist status to prevent any future collection activity by Exeter. However, the cease-and-desist status is not applicable to the credit reporting of the account as Exeter will continue to report the account to the CRAs. '' Consumer Reporting Agencies is in fact a form of communication which if you continue reporting you are in clear violation pursuant 15 USC! 692C ( c ) FAIR DEBT COLLECTION PRACTICES ACT defines communication like : ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through ANY MEDIUMS. Your company has honor one part of the FAIR DEBT COLLECTION ACT which is CEASE AND DESIST BUT BY LAW YOU HAVE TO COMPLY WITH Pursuant 15 USC 1692C ( c ) ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. I have attached to all my letter Invoices for all my actual damages and i have corresponded them via mail and your company havent responded i have all the green return receipts all my letters to prove that your company willingly committed fraud Didn't received my written instruction to report this alleged account making you in Violation of FCRA 15 USC 1681 If you say you provided me my disclosures pursuant to 15 USC 6802 than furnished them to me dates and all corresponded if not you are now in violation of the 15 USC 6801 and 6802 For being deceptive and abusive under Fair Debt Collection Practices Act you are in violation of 15 USC 1692 I Furnished Exeter Finance with an AFFIDAVIT OF TRUTH AND FACT sworn and sign under penalty of perjury and notarized cause in commerce truth is sovereign. Failing to keep ignoring my letters to your company will put you in default. I have invoke my remedies on invoice i have furnished to your Company through my letters since you honored my cease and desist you also have to compensate me for redressing my injuries. Evidences of you sharing my personal information without my consent is provided in the images
05/25/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	XXXXX	Web
After paying off my loan, an overpayment was made to ensure the loan/interest would be fully satisfied. The finance company and a contracted company they hired are now refusing to refund the overpayment. Exeter Finance, the company that made the loan has not responded to any emails I have sent. When I called, the told me I have to speak with XXXX. Please see my email conversations below : XXXX XXXX XXXX ( 12 hours ago ) to me, customerservice Dear XXXX XXXX, We have received your email regarding your Exeter Finance Refund. You will need to contact Exeter regarding the how to receive the refund. Please contact us with any additional questions or concerns as your satisfaction is our top priority. Prepaid Card Services ( XXXX ) XXXX -- - Original Message -- - FROM : XXXX SENT:XX/XX/XXXX XXXX XXXX TO : XXXX, XXXX CC : SUBJECT : Re : Fwd : Refund of Over Payment via Check [ Case ID # : XXXX ] Thank you for your response. Please contact Exeter Financial to discuss how, either your company or Exeter is going to refund the overpayment. I do NOT want another card issued to me, I simply want a refund of the overpayment. I also never agreed to have my information shared with your company by Exeter to have a " prepaid '' card issued in my name. Your company or Exeter Financial will need to figure out how you will mail me the refund to my address in XXXX. Thank you, XXXX XXXX On Wed,XX/XX/XXXX at XXXX XXXX, XXXX wrote : Dear XXXX XXXX, We have received your email regarding your Exeter Finance Refund. We can not send a check or card outside of the US. You will have to contact customer regarding where you want the card or check mailed. Please call our Customer Service Team at XXXX ( for lost, stolen cards, or not received ), for assistance to determine if a new plastic can be reissued. It takes approximately 7-10 business days to receive a new card. We appreciate your patience in this matter and apologize for any inconvenience this may cause. Please contact us with any additional questions or concerns as your satisfaction is our top priority. Prepaid Card Customer Service XXXX International number:XXXX -- - Original Message -- - FROM : XXXX SENT:XX/XX/XXXX XXXX XXXX TO : XXXX CC : SUBJECT : Fwd : Refund of Over Payment via Check Please mail me a refund of the over payment to Exeter Financial via check, for the entire overpayment of {$50.00}. I do not wish to use the prepaid XXXX you mailed me as I have moved to XXXX and the exchange rates and 3 % international fee are ridiculous. I attempted to call your company from XXXX but was unable to get through to a person to speak to about this request and was disconnected. I also tried to activate the card to ACH the funds to my XXXX XXXX but your website said it was unable to activate. My information is as follows : XXXX XXXX Previous Address : XXXX XXXX XXXX XXXX, XXXX, VA XXXX New Address : XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX, XXXX Number on Card : XXXX Validity : XX/XX/XXXX Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 14 minutes ago ) to customerservice Please see the email chain below. XXXX XXXX XXXX XXXX XXXX ( 5 minutes ago ) to inquiries Please see the email chain below. Neither your customer service email address or the " secure '' messaging service through the website appear to be working. Please refund the overpayment, via check, to the following address : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX The company you sent the overpayment to, XXXX, is absolutely useless. Thank you. XXXX XXXX -- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX XXXX XXXX Date : Fri, XX/XX/XXXX at XXXX XXXX Subject : Fwd : Re : Fwd : Refund of Over Payment via Check [ Case ID # : XXXX ] [ Case ID # : XXXX ] To : XXXX Please see the email chain below. XXXX XXXX -- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX Date : Thu, XX/XX/XXXX at XXXX XXXX Subject : Re : Re : Fwd : Refund of Over Payment via Check [ Case ID # : XXXX ] [ Case ID # : XXXX ] To : XXXX, XXXX Dear XXXX XXXX, We have received your email regarding your Exeter Finance Refund. You will need to contact Exeter regarding the how to receive the refund. Please contact us with any additional questions or concerns as your satisfaction is our top priority. Prepaid Card Services ( XXXX ) XXXX -- - Original Message -- - FROM : XXXX SENT:XX/XX/XXXX XXXX XXXX TO : XXXX, XXXX CC : SUBJECT : Re : Fwd : Refund of Over Payment via Check [ Case ID # : XXXX ] Thank you for your response. Please contact Exeter Financial to discuss how, either your company or Exeter is going to refund the overpayment. I do NOT want another card issued to me, I simply want a refund of the overpayment. I also never agreed to have my information shared with your company by Exeter to have a " prepaid '' card issued in my name. Your company or Exeter Financial will need to figure out how you will mail me the refund to my address in XXXX. Thank you, XXXX XXXX On Wed, XX/XX/XXXX at XXXX XXXX, XXXX wrote : Dear XXXX XXXX, We have received your email regarding your Exeter Finance Refund. We can not send a check or card outside of the US. You will have to contact customer regarding where you want the card or check mailed. Please call our Customer Service Team at XXXX ( for lost, stolen cards, or not received ), for assistance to determine if a new plastic can be reissued. It takes approximately 7-10 business days to receive a new card. We appreciate your patience in this matter and apologize for any inconvenience this may cause. Please contact us with any additional questions or concerns as your satisfaction is our top priority. Prepaid Card Customer Service XXXX International number:XXXX -- - Original Message -- - FROM : XXXX SENT:XX/XX/XXXX XXXX XXXX TO : XXXX CC : SUBJECT : Fwd : Refund of Over Payment via Check Please mail me a refund of the over payment to Exeter Financial via check, for the entire overpayment of {$50.00}. I do not wish to use the prepaid XXXX you mailed me as I have moved to XXXX and the exchange rates and 3 % international fee are ridiculous. I attempted to call your company from XXXX but was unable to get through to a person to speak to about this request and was disconnected. I also tried to activate the card to ACH the funds to my XXXX XXXX but your website said it was unable to activate. My information is as follows : XXXX XXXX Previous Address : XXXX XXXX XXXX XXXX, XXXX, VA XXXX New Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX Number on Card : XXXX Validity : XX/XX/XXXX Thank you. XXXX XXXX
09/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	SC 29483	Web	Servicemember
CFPB***CFPB*CFPB*CFPB*CFPB*CFPB*CFPB*CFPB***CFPB This is not a duplicate Complaint and is filed by XXXX XXXX XXXX XXXX. This complaint is in refrance to complaint XXXX XXXX filed on the CFPB website against XXXX. First i want to say that i find it a complete Joke the way that the CFPB allows the credit reporting agencies to not address the complaints and concerns of the Consumers .I am a living Human with rights Gaurenteed by our Constitution and a Set of rules and laws that are made a complete mockery of by the horrible ways and hiring practices of the credit reporting bureaus and evidently human resources of the cfpb..The complaint refranced above was responded to by XXXX today the XXXX day of XX/XX/XXXX and the result of my complaint was another responce that in no way shape fassion or form was related to my complaint, but yet the CFPB closed my complaint allowing yet again a credit reporting agency to disregaurd their own guidlines for what is to be included in a responce by a credit reporting bureau to a consumer , as well as allowing them continue with the open disregaurd to the FEDERAL GOVERNMENTS LAWS SET IN PLACE TO PROTECT CONSUMERS " THE FCRA '' 1. why does the CFPB esist if they will not help the consumer? 2.CFPB openly allows the credit bureaus to violate the consumers rights without threat of any consequesce and my complaints will show just that 3.CFPB closed servral complaints from me allowing the bureaus to completely ignore any of my questions or concerns 4.XXXX did not answer one question about the furnishing of unverifiable data on my report 5.CFPB and XXXX have said or done absolutley nothing about Exeter finances out right refusal to provide the consumer with evidence in the fcra outlined time or manor 6EXETER has violated my rights by not supplying evidence and the fcra says i am legally entiteled to under both CFPB AND XXXX governing laws and experian flat out ignores my at firt request for deletion now demands for deletion 7 CFPB why does you office all0w this to take place How can exeter and XXXX get away with this i am an educated man and i am not making my own interputation of the laws the laws state what will and can not happen it does not leave marginal space for the bureaus to follow some rules and not others all of the fcra is to be followed and the CFPB is aiding and activly encouraging the violation of my rights and more than likely millions of other consumers rights and if there ids nothing done to stop this I will be that wistle blower i will go to XXXX XXXX XXXX and who ever else will listen and let their legal departments decide weather this is acceptable treatment of a consumers credit profile. 8. I have coppied every responce and every complaint and every non action taken by the CFPB to aide in the protetction aof my right nor the enforcement of the fcra 9.I am quite sure that the president Mr. Joe Biden or any of his constituants will approve of the behavior of one of their federal offices in allowing this to continue especially seeing reelection is around the corner see all its gona take is 1 media outlet to jump on this and the the will be an onslaut of individuals that feel the way i do but have just taken the abuse then well will see just how deep an investigative commitie can dig threw the CFPB and XXXX XXXX AND XXXX offices and just who has jobs when the dust settles, see i got nothing to lose cause your already screwing me and when its over ill still have my job but how about the employees of the offices where these are read and handled and we all kniow that XXXX or XXXX and XXXX XXXX to are allready in the hot seat surrounding the scandells the have rocked the 3 bureaus since XXXX wouldnt take much more then this abuse of power and disregaurd of laws and Americans rights to make the government start a process they have toyed with for sometime now and rethinking the whole structure of the workings of the credit system and that trillions lost for all involved except me .This is in no way a threat but more a promise, THE CFPB SHALL do something to stop these thing from happening or i am media bound WITH a scandal thats going to cause trouble not because im fussing but because i have valid proof from every bureau, and the cfpb with their own webite attatched and hand written and signed letters from creditors as to the flat out lies the bureaus dish out to us every day.THE ignoring of the wrongs being done to me my XXXX AND XXXX STOP TODAY 1.I demand answers to the above refranced complaint lodged against XXXX in the form of the example layed out in plain terms by the CFPB AND FCRA 2, I demand the granting of requested damages from the violations committed against me from EXETER FINANCE AND XXXX AND XXXX 3.I demand the deletion of the EXETER FINANCE file from XXXX and XXXX ( XXXX HAS ALREADY DONE SO ON the grounds that they have failed to comply with the fcra by refusing to furnish a consumer with evidence once provided a formal request ( 1 ) flat out refusal is a clear violation of my fcra rights ( 2 ) didnt provide evidence within 30 or even 60 days 4I demand that someone be held responsible for the updating of unverifiable information by XXXX XXXX and XXXX beig exeter states they reviewed calls bettween myself and their rep but will not provide the calls as proof that their rep did not agree to list in a good form of paid in full or weather i am correct and saying that there rep did state this fact if they will not provide said evidence they said they reviewed then neither side can not discredit the other making all information unverifiable and therefore illeagly updated to my credit report wich has been damaged by this for months on end despite my countless cries for the cfpb to perform its core duty in insuring the fair and legal treatment of consumers so please make this happen I just want to move on with my life dont really wana be on tv but if im ignored again i promise as god is my wittness and mucch time i spend disputing these actions being done to me i will tripple my efforts to have a media outlet pick up the story of absuse and derilection of the duties of a federal office formed for consumer protection and ill shake that tree til this fall out
12/13/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 33772	Web
On XX/XX/XXXX, I filed this same complaint in reference to Exeter Finance and them reporting incorrect information to the credit bureaus. Complaint # XXXX Exeter Finance did respond and say they would correct the credit bureaus. I did verify this and it was fixed. Today I was notified by one of my credit cards that they were reducing the credit limit on my credit card due to late pays reported. I requested copies of my credit report and Exeter Finance has once again put this incorrect reporting back onto my credit reports. This is so unfair to me and I am now being hurt financially over it. I need this to be fixed and not continue to be added back onto to my credit report again. This is a copy of the original complaint I filed on XX/XX/XXXX : Exeter Finance is reporting to all 3 credit bureaus that I was 30 days late twice. Once in XX/XX/XXXX and once in XX/XX/XXXX. Both are incorrect and Exeter had corrected the XX/XX/XXXX mistake but now they have put it back on my credit report. I will start with the XX/XX/XXXX incident first. On XX/XX/XXXX I went online to Exeter Finance 's website and requested a payment to be made for my XX/XX/XXXX payment. I was outside the 10 day grace period so I included the late charge. I received a confirmation showing the amount of the payment & the bank account being used. On XX/XX/XXXX I received a letter in the mail from another bank account I have stating that I had been charged {$35.00} for a returned ACH payment. I called the bank to see what was going on because I had n't used that account in several months. The bank told me that Exeter Finance requested an ACH payment & there was enough money in the bank. I then called Exeter to see why they used the wrong bank account. I told them I could fax them a copy of the confirmation I received, showing the amount of the payment and which account should have been used but whoever I spoke to told me not to worry about. They could see the payment request from XX/XX/XXXX so I gave them permission to run it through again that day, XX/XX/XXXX but to make sure they used the correct bank account. I hung up thinking everything was okay. A few days later the money was withdrawn from my bank account and sent to them. I soon discovered there was still a problem though. I use a credit monitoring company and at the beginning of XX/XX/XXXX, I received an alert letting me know that a 30 days late pay with Exeter was now listed on my credit report. I was shocked. I once again called Exeter to find out why they would do this. I was told I had n't made my XX/XX/XXXX payment and I was now 30 days late. I told them that was not correct. I spoke with someone over a week ago and the money had already come out of my account. They said they had no record of it. Not even the call I made. I can not even begin to tell you how mad I was. I had to get a copy of the paid ACH and fax it to them. I now had been charged {$35.00} for them using a wrong bank account, charged another {$20.00} to get a copy of the payment from the correct account and pay the XXXX Store a {$12.00} fee to fax everything to them. Finally on XX/XX/XXXX, my payment that I tried to originally make on XX/XX/XXXX and XX/XX/XXXX was posted to my account. Exeter Finance also called the credit bureaus and had the XX/XX/XXXX - 30 day late pay removed from my credit report. I still, to this day, do not know what happened. I 'm not sure if they applied my payment to someone else 's account by mistake or what happened. Skip forward to XX/XX/XXXX. I live in XXXX County Florida and at the end on XX/XX/XXXX, a mandatory evacuation order was issued for my home due to Hurricane Irma. I packed up what I could and left until the XX/XX/XXXX. I returned back home but had no power at all. My electric was not restored until XX/XX/XXXX and my cable, internet and phone was restored the next day, XX/XX/XXXX. When I was finally able to check email, I had messages from most of my creditors. All were extremely nice and understanding. They were generic emails sent to everyone who lived in areas that had been declared a natural disaster. All of them stated they were aware of the problems we faced as victims of the hurricane and they would not charge late fees or report late payments while we were trying to get our lives back in order. A few even said they would waive interest charges. By the end of XX/XX/XXXX, things settled down some. The debri had been cleaned up and the damages had been temporarily repaired so we were just waiting for FEMA and the insurance adjuster to come out. I finally got on the computer and began paying bills. By the XX/XX/XXXX every bill had been paid and things seemed To be a little smoother. I was still dealing with problems from the hurricane but things were getting better. The first week of XX/XX/XXXX, I was once again notified from my credit monitoring company that Exeter Finance had reported me being 30 days late. I called Exeter and spoke with a supervisor. I asked her why they would do this?? Not only had my payment already been made but They had said they would work with the hurricane victims. She just kept apologizing saying there was nothing she could do. That they had tried to call but were unable to reach me. I started crying ... ... saying that 's because I had no power. I had no electric, phone, internet. Nothing. I was and still am shocked at how heartless this company is. After hanging up with her, I decided to contact the credit bureaus myself and dispute the late pay. I just received the response back from the credit bureaus. Exeter Finance would not remove the late pay. All they would do is add in the remarks that I was affected by a natural disaster. Not only that but they also ADDED back in my credit report, the XX/XX/XXXX late pay that is also incorrect and they know it. This is SO unfair to me. I 've had a loan with Exeter Finance since XX/XX/XXXX. I have never been late other than through Hurricane Irma which I had no control over. I had no way to make a payment and they told all of us that they would work with us. Now I 'm sitting with 2 - 30 day late payments on my credit report. One that is their fault for misapplying the payment and the other because of a hurricane
07/22/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	AR 721XX	Web
I made an uninformed decision with Exeter finance who is reporting on my consumer report. I enter into an agreement completely unaware of what was about to take place pursuant 15 USC 1601 { Congressional findings and declaration meaningful } disclosure while looking at the agreement. The term adequate notice- a printed notice to a cardholder ( which is me the consumer ) which sets forth the pertinent facts CLEARLY AND CONSPICUOUSLY so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder ( me the consumer ) by printing the notice on any credit card or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. I never saw the adequate notice and if its in the contract it wasnt clear This contract wasnt explained it wasnt clear and it wasnt conspicuous. This company didnt print nor make this agreement reasonably easy to notice it wasnt clear nor conspicuous, making this contract/agreement null and void pursuant to definition of a creditor under the title truth lending act- is the person ( natural person me ) whom the debt arising from the consumer credit transaction ( my social security number pursuant to 15 USC 1602 ( l ) ( which is my credit card ) is initially payable on the face of the evidence of indebtedness ( there is no such thing a natural person having obligations when pursuant to 18 usc 8 United States has paid all debt ) or if there is no such evidence by agreement I extended my credit to your company however your agreement wasnt clear and conspicuous made me make an uninformed decision making the agreement null and void. Your company made An unauthorized use. Term unauthorized use- as used in section 1643 of this title ( truth and lending ) means a use of a credit card ( social security card ) by a person ( organization ) other than the cardholder ( me ) who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. Exeter finance does not have actual nor implied to use my credit card nor have I benefited making this company a fraud. Exeter Finance you said i agreed to get physical damage insurance I was uninformed cause by the truth and lending act under the definition of Financed Charge it clearly states that insurance is included pursuant 15 USC 1605 ( a ) ( 5 ) with the finance charge. Pursuant 15 USC 1605 ( b ) Charges or premiums for insurance, written in connection with any CONSUMER TRANSACTION, against loss of or damage to property or against liability arising out of ownership or use of property, SHALL be included in the finance charge. I have the Right to recession any consumer credit transaction however you stated in your cfpb response recession only applies to mortgages which is not true cause credit is use for everything and my Right to recession is no where in the agreement making the contract null and void. you deceived me to get other insurance by looking at the agreement you had N/A ( NOT APPLICABLE ) on the slots where can I get insurance if every spot that says insurance has N/A ON? Why do you even have it on your agreement cause you know under truth and lending a finance charge includes car insurance at no additional cost cause the finance charge takes care of that. Exeter finance stated in the CFPB response you have an obligation to report to the consumer reporting agencies what law says you can without my written consent. Pursuant to 31 U.S.C. 5312 ( p ) financial institution means a loan or finance company means Exeter finance you fall under a financial institution. Pursuant 6801 has an affirmative and continuing OBLIGATION to RESPECT the privacy of its customers and to protect the security and CONFIDENTIALITY of those customers nonpublic personal information. Exeter finance you and the consumer reporting agencies are not affiliated the consumer reporting agencies are non affiliated third party who sell consumers personal information and you have been reporting this private transaction to a non affiliated agencies exposing my privacy and not holding your obligation to keep my information confidential. Pursuant 15 USC 6802 ( a ) ( b ) ( c ) financial institution MAY NOT, directly or through any affiliate ( M.R.S. The company that work with you ) disclose to a non affiliated third party ( consumer reporting agencies ) ANY nonpublic personal information, UNLESS such financial institution provides or has provided to the COMSUMER ( Me ) a NOTICE that complies with title 6803 of this title. Exeter finance never clearly or conspicuously disclosed to me in writing or in electronic form or other form permitted by the regulations, that my personal credit data information will be disclosed to such third party ; Exeter finance NEVER has given me the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and I XXXX XXXX ( consumer ) never got an explanation of how the consumer can exercise that no disclosure option. Pursuant 15 USC 6821 ( 1 ) ( 2 ) ( 3 ) document defined under truth and lending states any information in any form the false document that you provided was pursuant to 15 USC 6802 you did not provide those documents to me and you reported this horrific inaccurate information without my written consent since XX/XX/XXXX showing how you blatantly fail to comply with the GRAMM LEE BLILEY ACT you are not excuse pursuant to case law trans union vs FEDERAL TRADE COMMISSION your violations has brought me much stress even I wrote you to CEASE and DESIST ALL communication with me through all mediums and you report the month of XXXX as charge off you been reporting charge off since XXXX you have made it difficult for me to extend credit. I am a consumer and I have the RIGHT to privacy and Exeter finance has violated my privacy. On the contract see how you didnt allow me to get insurance you put N/A exhibits are in the pictures
04/12/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI XXXXX	Web
Dear Agent, As the Secured Party Creditor, and the holder of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for XXXX XXXX to provide you with a remedy, I conditionally accept your offer upon verifiable proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to XXXX XXXX/Notary for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a Certified and True Copy of the original signed agreement or application. Please Note : I wish to deal with this matter in writing and I do not give your administration permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under Fair Debt Collection Practices Act 806. Harassment or abuse [ 15 USC 1692d ]. No assured value, No liability. Errors & Omissions Accepted. All Rights Retained. WITHOUT PREJUDICE W ITHOUT RECOURSE NON-ASSUMPSIT - Calls may be recorded AFFIDAVIT OF OWNERSHIP XXXX XXXX, do solemnly affirm, declare and state as follows : 1. XXXX XXXX is a woman, above age of XXXX, and capable to state the matters set forth herein. 2. All the facts herein are true, correct, complete, and admissible as evidence, if called upon as a witness, XXXX XXXX will testify to their veracity. XXXX. XXXX XXXX, holder of the duly authenticated Certificate of Title, and will present it as a counter deed. According to trust law, XXXX XXXX hold physical possession of said deed to said certificate. According to commercial law, XXXX XXXX hold a first in time, first in line document of said certificate, is the real party in interest, and holder in due course to the Title to said certificate. 4. XXXX XXXX is of lawful age and being first duly sworn on oath, depose and state that I am familiar with the facts recited, and the party named in said certificate is the same party as one of the owners named in said certificate of title. Plain Statement of Facts 1. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability that XXXX XXXX, has engaged in conduct causing harm, loss, or injury to the United States and/or the public, and XXXX XXXX believes that no such evidence exists. 2. XXXX XXXX denies Account # XXXX, et al, and believes that no such Account Number or amount exists. 3. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability of Legal documents to prove that the Exeter Finance is legally authorized to collect, and XXXX XXXX believes that no such evidence exists. 4. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability of Account # XXXX, et al, and the amount of the actual debt, and XXXX XXXX believes that no such evidence exists. 5. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability of payments made on the accounts, Account # XXXX, et al, and XXXX XXXX believes that no such evidence exists. 6. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability of accounting of the accounts, Account # XXXX, et al, including all interest and fees, and XXXX XXXX believes that no such evidence exists. 7. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof of fees and interest amounts, and XXXX XXXX believes that no such evidence exists. 8. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof of a signed contract showing the terms about the debt, and XXXX XXXX believes that no such evidence exists. 9. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof of the owner of the debt/or assignee the debt, and XXXX XXXX believes that no such evidence exists. 10. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof, a copy of a true bill from the original creditor, and XXXX XXXX believes that no such evidence exists. 11. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof of a complete payment history, starting with the original creditor, and XXXX XXXX believes that no such evidence exists. 12. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof of a certified, authenticated copy of the original signed agreement or application, and XXXX XXXX believes that no such evidence exists.
10/18/2021	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NJ 08043	Web
Dear Sir or Madam, 1. EXETER FIN Account Number:XXXX**** Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I immediately disputed this information with EXETER FIN and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
10/01/2021	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 45231	Web
Dear Sir or Madam, 1. EXETER FIN Account Number:XXXX **** Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX and XX/XX/XXXX as well as 60 days late on XX/XX/XXXX. I immediately disputed this information with EXETER FIN and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
11/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NJ 08043	Web
1. EXETER FIN Account XXXX : Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I immediately disputed this information with EXETER FINANCE LLC and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
08/11/2021	Yes	Vehicle loan or lease Loan	Credit monitoring or identity theft protection services Billing dispute for services	FL 33063	Web
Dear Sir or Madam, *1. EXETER XXXX Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX. I immediately disputed this information with EXETER FIN and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act XXXX FCRA XXXX, the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. XXXX c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX, Iowa XXXX
08/06/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43230	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. 14 EXETER FINANCE LLC bal. {$9300.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
11/23/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75229	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. EXETER FIN bal. {$15000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX
08/06/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43230	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. EXETER FIN bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
12/01/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75241	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. EXETER FIN bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
12/07/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75025	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. EXETER FIN bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
06/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27616	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nc XXXX XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : EXETER FINANCE LLC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 15 U.S.C section 602 A. Clearly States that i have the right to privacy. 15 U.S.C section 1681 a creditor may not treat a payment. On a credit card account under an open-end consumer credit plan as late for any purpose. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] I saw these inquiries are on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Inquiry from XXXX XXXX XXXX XXXX, Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX This inquiry was not authorized, please remove it. Inquiry from XXXX XXXX XXXX XXXX XXXX, Note : HARD Inquiry : Automotive - XXXX, Date : XX/XX/XXXX This is questionable, please investigate it or remove it. Inquiry from XXXX XXXX XXXX XXXX, Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX This inquiry was not authorized, please remove it. Inquiry from XXXX, Note : HARD Inquiry : XXXX XXXX XXXX, Date : XX/XX/XXXX This inquiry was not authorized, please remove it. I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. Account : XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Please verify this information or remove it. Account : US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX ) ( XXXX ) Date Opened : Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. Account : US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX ) ( XXXX ) Date Opened : Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. Account : US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX ) ( XXXX ) Date Opened : Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. Account : US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX ) ( XXXX ) Date Opened : Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. Account : XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX ( Original Creditor : XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Please verify this information or remove it. Account : XXXX XXXX XXXX ( Original Creditor : XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Please verify this information or remove it. Account : DEPT OF ED/XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. Account : DEPT OF ED/XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. Account : DEPT OF ED/XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. Account : DEPT OF ED/XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. Best regards, XXXX XXXX
07/26/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TN 372XX	Web
Hello, I am writing to file a formal complaint against Exeter Finance LLC and XXXX XXXX XXXX XXXX regarding deceptive practices including but not limited to ; fraudulent and deceptive contracts Fact, pursuant to XXXX XXXX Code XXXX, forgery of my signature, violation of my consumer rights by sharing my nonpublic personal information with credit reporting agencies without my consent nor permission, and wrongfully denying my right to rescission of the transaction in violation of the Holder Rule and pursuant to XXXX XXXX XXXX. XXXX. I have been a victim of deceptive practices and unlawful treatment by both Exeter Finance LLC and XXXX XXXX XXXX XXXX during and after the purchase of my vehicle, a XXXX XXXX XXXX on XX/XX/XXXX. I have diligently reviewed the consumer credit transaction contract ( XXXX ) and have discovered numerous discrepancies and violations of my consumer rights. The specific issues I would like to bring to your attention are as follows : Fraudulent Contracts : Fact, pursuant to XXXX XXXX Code XXXX Exeter Finance LLC and XXXX XXXX XXXX XXXX manipulated the terms and conditions of the sales and financing agreements, misrepresenting crucial information such as interest rates, finance charge, amount financed, fees, and the total cost of the vehicle. I requested the original instrument ( contract ) from both parties and received ( via email and by mail ) two different contracts. The contract contained forged signature ( XXXX ), which were not authorized or executed by me. Violation of Consumer Rights : Both parties shared my nonpublic personal information, including sensitive financial data, with credit reporting agencies without obtaining my consent nor permission. This unauthorized sharing of information violates my rights under the Fair Credit Reporting Act ( FCRA ). Fact, pursuant to XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ) and infringes upon my privacy which has also seriously hurt my credit score. Denial of Right to Rescission : Fact, pursuant to XXXX XXXX XXXX ( XXXX ) ( XXXX ), I was never given full disclosure, notice of the right to rescind, which is a violation of the TILA. Despite my legitimate request for rescission, Exeter Finance LLC and XXXX XXXX XXXX XXXX unlawfully and deliberately denied my right to rescind the transaction. This denial disregards the XXXX XXXX, which grants consumers the right to rescind consumer credit transactions involving deceptive practices and violates the law established and confirmed to protect consumers. In support of my complaint, I have attached the following documents : Copies of the contracts provided by Exeter Finance LLC and XXXX XXXX XXXX XXXX, highlighting the discrepancies. Exhibit A ( Sent by XXXX ) amount financed showing as {$17000.00} and Exhibit B ( sent by Exeter XXXX ) amount financed showing as {$17000.00} A side-by-side comparison of the forged signature. Right side ( sent by XXXX XXXX XXXX XXXX side ( sent by Exeter XXXX ) it contains page 2 of each contract sent by both parties. Evidence of the unauthorized sharing of my nonpublic personal information with credit reporting agencies. Any other relevant documents that substantiate my claims i.e. ( Holder Rule ) In light of these egregious actions, I kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter. I am seeking appropriate resolution and restitution, including but not limited to : XXXX ( rescinding ) of the fraudulent transaction and cancellation of any associated financial obligations with restitution of any amounts paid. Investigation and appropriate legal action taken against Exeter Finance LLC and XXXX XXXX XXXX XXXX for their deceptive practices, including the forging of my signature on the contracts. Enforcement of penalties and fines against the parties involved, in accordance with applicable laws and regulations. Protection of my consumer rights and prevention of further unauthorized sharing of my nonpublic personal information to any and all credit reporting agencies ; as well as removal of all negative and derogatory marks such as, but not limited to late payments and charge offs made by Exeter Finance LLC on my credit report with all credit reporting agencies. The account should be reflected as PAID IN FULL ( Good Standing ), on my credit report ( XXXX ). Significant Compensation for the damages incurred to cover the financial losses as a result of the fraudulent contracts containing my forged signature, wrongfully denying my right to rescind the transaction, the unlawful repossession of my vehicle and violations of my consumer rights, including any excessive interest charges, fees, penalties, and related costs. Any other appropriate relief deemed necessary by law. If Exeter Finance LLC and XXXX XXXX XXXX XXXX fail to comply with the necessary actions set forth to rectify the situation and provide appropriate compensation for the damages caused, I am fully prepared to initiate legal proceedings by filing a lawsuit to protect my rights and seek appropriate legal remedies. I am prepared to provide additional information or evidence if required. I appreciate your attention to this serious matter and look forward to a prompt and thorough investigation. Please keep me informed about the progress of this complaint and any actions taken by the Consumer Financial Protection Bureau. Thank you for your assistance in addressing this significant violation of my rights.
10/10/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	GA 30310	Web
I applied for a XXXX XXXX XXXX with XXXX XXXX XXXX of XXXX on XXXX XXXX XXXX. I was told by a representative of the company ( sales agent/finance manager ) that they had only run my application with one of their lenders which was false information. They presented my application to approximately 6 of their lenders. I was also told after the application had been submitted that I was denied by the lender/lenders which was also false information. After 28 days I decided to call the lenders that they had claimed denied my application. It had been nearly 30 days and I had received only one adverse action letter, which was from XXXX XXXX. I reached out to XXXX XXXX XXXX ( one of the lenders ) which is directly connected with XXXX XXXX. I called for more information regarding my application ID and the adverse action letter that I had not received. I was given the number to the funding department and was told by one of the funding department 's customer service agents that I had in fact been approved after retrieving the application ID using my social security number. I was supplied with three different application ID numbers. There were two conditional approvals and one regular approvals. I will be happy to provide those IDs if required. The regular approval was estimated at {$23000.00}. The first conditional approval was estimated at around {$71000.00} and the second conditional approval was estimated at around {$55000.00}. According to the Federal Fair Lending Regulations and Statutes- Equal Credit Opportunity, neither the dealership nor the lender gave proper notice of a favorable amount approved so that I could exercise my right to accept or decline the offer extended by the lender. This led to my application expiring. I contacted the dealership to alert them about the lack of notification and the false information that I had been given on XXXX XXXX XXXX, and was referred to a finance manager named XXXX. He informed me that he'd get another application drawn up, but I informed him that I wanted to accept the approval from XXXX XXXX being that the application was not yet at the 30-day expiration date. He told me that he could not get approval from the lender unless I agreed to supply money for the finance charge that the lender was requiring. I informed him that a down payment/finance is the sum of all charges, and the charge does not include charges of a type payable in a comparable cash transaction, so it is not required by law. 15 USC subsection 1605 determination of finance charge. He confirmed that it was not in fact required by law, but he proceeded to press the issue that nothing could be done without it. I proceeded to contact XXXX XXXX about removing that condition since it was not required by law, unfortunately, the department was closed, and I assured the finance manager that we could proceed Monday morning when the funding department was open so that we could proceed with financing with that lender. He said he looked forward to it. Monday morning, I called the lender and informed them that I intended to conditionally accept their offer if the unrequired condition was removed. They told me the credit department and dealership were the only ones with the authority to remove that condition, but they refused to. I was informed by a salesperson named XXXX that the fourth application that I had submitted that morning with XXXX XXXX was automatically denied. Since they work directly with the lender 's credit department, I so rightfully assumed that the information for denial was known and just wasn't being stated to me directly. I told them that I was aware that I was being avoided which is harmful behavior and expressed that I was contemplating litigation. I never confirmed that this was the course of action that would be taken, only that it was being considered and only then did I receive an immediate response which was odd. Whoever was messaging me at the time decided to cease communication and not respond despite me reaffirming that legal action was only an idea and not a course of action that was taken against them or the lender. I remained patient throughout the entire process despite being given false information, enduring discrimination, as well as non-compliance. As far as the other 4 lenders : XXXX XXXX XXXX Exeter XXXX XXXX XXXX only two of them ( Exeter, and XXXX XXXX XXXX ) confirmed that they had also approved me for a specific amount from the application submitted on XXXX XXXX XXXX. Exeter had approved me for an amount that was estimated at around {$23000.00}, while XXXX XXXX XXXX had approved me for an amount that was estimated at around {$30000.00}. XXXX XXXX chose not to disclose an approval amount or total denial and XXXX disclosed that I was completely denied. I'm not sure about the accuracy of each of those claims. In conclusion, neither of the lenders that had approved me for funding sent out a notice of a favorable decision giving me knowledge of the approval amounts thus leaving me in the blind and unable to act on whether I'd like to accept or deny the offer given. Despite the dealership knowing the true nature of these approvals they chose to give me false information and persuaded me to participate in an act that was not required of me by law. This experience with the dealership and its agents/representatives as well as those responsible for carrying out their duties on behalf of these lenders was harmful and damaging to my personal being, to say the least.
11/10/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33772	Web
Exeter Finance is reporting to all 3 credit bureaus that I was 30 days late twice. Once in XX/XX/XXXXand once inXX/XX/XXXX. Both are incorrect and Exeter had corrected the XX/XX/XXXX mistake but now they have put it back on my credit report. I will start with theXX/XX/XXXX incident first. OnXX/XX/XXXX I went online to Exeter Finance 's website and requested a payment to be made for my XX/XX/XXXXpayment. I was outside the 10 day grace period so I included the late charge. I received a confirmation showing the amount of the payment & the bank account being used. OnXX/XX/XXXX I received a letter in the mail from another bank account I have stating that I had been charged {$35.00} for a returned ACH payment. I called the bank to see what was going on because I had n't used that account in several months. The bank told me that Exeter Finance requested an ACH payment & there was enough money in the bank. I then called Exeter to see why they used the wrong bank account. I told them I could fax them a copy of the confirmation I received, showing the amount of the payment and which account should have been used but whoever I spoke to told me not to worry about. They could see the payment request fromXX/XX/XXXX so I gave them permission to run it through again that dayXX/XX/XXXX but to make sure they used the correct bank account. I hung up thinking everything was okay. A few days later the money was withdrawn from my bank account and sent to them. I soon discovered there was still a problem though. I use a credit monitoring company and at the beginning of XX/XX/XXXX, I received an alert letting me know that a 30 days late pay with Exeter was now listed on my credit report. I was shocked. I once again called Exeter to find out why they would do this. I was told I had n't made myXX/XX/XXXX payment and I was now 30 days late. I told them that was not correct. I spoke with someone over a week ago and the money had already come out of my account. They said they had no record of it. Not even the call I made. I can not even begin to tell you how mad I was. I had to get a copy of the paid ACH and fax it to them. I now had been charged {$35.00} for them using a wrong bank account, charged another {$20.00} to get a copy of the payment from the correct account and pay the XXXX XXXX a {$12.00} fee to fax everything to them. Finally on XX/XX/XXXX, my payment that I tried to originally make on XX/XX/XXXX and XX/XX/XXXXwas posted to my account. Exeter Finance also called the credit bureaus and had theXX/XX/XXXX 30 day late pay removed from my credit report. I still, to this day, do not know what happened. I 'm not sure if they applied my payment to someone else 's account by mistake or what happened. Skip forward to XX/XX/XXXX. I live in XXXX County Florida and at the end on XX/XX/XXXX a mandatory evacuation order was issued for my home due to Hurricane XXXX. I packed up what I could and left until the XX/XX/XXXX. I returned back home but had no power at all. My electric was not restored until XX/XX/XXXXand my cable, internet and phone was restored the next day, XX/XX/XXXX. When I was finally able to check email, I had messages from most of my creditors. All were extremely nice and understanding. They were generic emails sent to everyone who lived in areas that had been declared a natural disaster. All of them stated they were aware of the problems we faced as victims of the hurricane and they would not charge late fees or report late payments while we were trying to get our lives back in order. A few even said they would waive interest charges. By the end ofXX/XX/XXXX, things settled down some. The debri had been cleaned up and the damages had been temporarily repaired so we were just waiting for FEMA and the insurance adjuster to come out. I finally got on the computer and began paying bills. By theXX/XX/XXXX every bill had been paid and things seemed To be a little smoother. I was still dealing with problems from the hurricane but things were getting better. The first week of XX/XX/XXXX I was once again notified from my credit monitoring company that Exeter Finance had reported me being 30 days late. I called Exeter and spoke with a supervisor. I asked her why they would do this?? Not only had my payment already been made but They had said they would work with the hurricane victims. She just kept apologizing saying there was nothing she could do. That they had tried to call but were unable to reach me. I started crying ... ... saying that 's because I had no power. I had no electric, phone, internet. Nothing. I was and still am shocked at how heartless this company is. After hanging up with her, I decided to contact the credit bureaus myself and dispute the late pay. I just received the response back from the credit bureaus. Exeter Finance would not remove the late pay. All they would do is add in the remarks that I was affected by a natural disaster. Not only that but they also ADDED back in my credit report, the XX/XX/XXXX late pay that is also incorrect and they know it. This is SO unfair to me. I 've had a loan with Exeter Finance since XX/XX/XXXX. I have never been late other than through Hurricane XXXX which I had no control over. I had no way to make a payment and they told all of us that they would work with us. Now I 'm sitting with 2 - 30 day late payments on my credit report. One that is their fault for misapplying the payment and the other because of a hurricane.
12/12/2022	Yes	Vehicle loan or lease Lease	Getting a loan or lease Fraudulent loan	FL 33617	Web
Exeter Finance failed to comply with the three different laws when I rescinded my violated contract on XXXX XXXX. Pursuant to 15 U.S. Code 1605 - Determination of finance charge- a ) Finance charge defined- Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. ( 2 ) Service or carrying charge. ( 3 ) Loan fee, finders fee, or similar charge. ( 4 ) Fee for an investigation or credit report. ( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. Which means the Predelivery Service fee of {$890.00}, Gap Contract of {$900.00} and Service contract of {$1800.00} which equals {$3600.00}, should be included into the Finance Charged stated in 15 U.S. Code 1605- The amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended. As you can see in the contract with Exeter Finance under Itemization of Amount Finance, ( 7 ) Amount Financed is the sum ( [ 3 ] ( {$16000.00} ) + [ 4 ] ( {$890.00} ) + [ 5 ] ( {$2700.00} ), excluding the Government Fees, should fall under Finance Charge instead of Amount Finance, which according to Exeter AI system added up to be {$20000.00}, which is incorrect, the real amount finance should be {$16000.00} instead of {$20000.00}. Exeter is in clear violation to 15 U.S. 1692e ( 2 ) ( A ) - False or misleading representations ; The false representation of the character, AMOUNT, or legal status of any debt ; Exeter also violated 15 U.S. 1692e ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. Pursuant to 15 U.S. Code 1640 ( A ) - Civil liability ; Except as otherwise provided in this section, any creditor who fails to comply with any requirement imposed under this part, including any requirement under section 1635 of this title, subsection ( f ) or ( g ) of section 1641 of this title, or part D or E of this subchapter with respect to any person is liable to such person in an amount equal to the sum of- 2 ( A ) ( i ) ; in the case of an individual action twice the amount of any finance charge in connection with the transaction. Which would be {$40000.00} after adding everything up and twice the amount of the Finance Charge. Pursuant to 15 U.S. Code 1692b ( 5 ) - Acquisition of location information ; Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not use any language or symbol on any envelope or IN THE CONTENTS of any communication affected by the mails that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of debt. Which Exeter violated according to Exhibit D by putting their logo ( symbol ) on the outside & inside contents of said letter. Pursuant to 15 U.S. Code 1692c - Communication in connection with debt collection ; Ceasing communication ; If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. In clear statutory language, upon completion of the receipt of the rescission letter dated XX/XX/2022, Exeter shouldve ceased communication but instead Exeter had their agents harass with endless phone calls over and over and over again. Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Exeter Finance is in violation of 15 USC 15 U.S.C. 1640 ( 2AI ), in violation of 1635 ( b ), in violation of TIL Reg. Z -226.15 ( d ) ( 2 ) ,226.23 ( d ) ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit B that Exeter Finance is in violation of 15 U.S. Code 1605 ( 1,2,3,4,5 ), in violation of 15 USC 1611 ( 1 ) ( 3 ), in violation of 15 USC 1692E ( 2A ), 15 USC 1692k ( 2A ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit C that Exeter Finance is in violation of 15 U.S. Code 1692E ( 4,7,10 ), in violation of TIL Reg. Z -226.15 ( d ) ( 2 ) ,226.23 ( d ) ( 2 ), in violation 15 U.S. Code 1692j, in violation of 15 USC 1692K ( 2A ), Fact, affiant is aware and has proof in the attachment labeled as Exhibit D that Exeter Finance is in violation of 15 USC 1692B ( 2 ), in violation of 15 USC 1692K
03/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30253	Web
I do not consent to the disclosure of my credit information to any third-party entities unless they have a legitimate business need for the information in connection with a business transaction that is initiated by me, as provided for in section 604 ( a ) ( 3 ) ( F ) ( i ) of the FCRA. Please be advised that I do not authorize any person or entity to access my credit report for any other purposes, including marketing, pre-screening, or employment screening. I understand that, Section 6801 of the Fair Credit Reporting Act ( FCRA ) The section requires CRAs to establish and implement reasonable procedures to protect the confidentiality, accuracy, and integrity of nonpublic personal information that they collect and maintain. This includes personal information such as a consumer 's name, address, Social Security number, and credit information. In addition to requiring CRAs to safeguard consumer information, section 6801 also limits the circumstances under which they may disclose nonpublic personal information to third parties. Specifically, CRAs may only disclose such information if it is : Required or permitted by law Necessary to effect, administer, or enforce a transaction that a consumer requests or authorizes Necessary to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability Required for regulatory compliance or to comply with a valid legal process The section also requires CRAs to provide consumers with notice of their privacy policies and practices, and to allow consumers to opt out of having their nonpublic personal information disclosed to certain third parties, such as affiliates for marketing purposes. Because the companies did not comply I the must follow FCRA 6802 ( C ). As stated below. Section 6802 ( a ) : " ( a ) Disclosure of reports to consumers. A consumer reporting agency shall make all disclosures pursuant to section 609 of this title [ 1681g ]. '' Section 6802 ( b ) : " ( b ) Disclosure of reports to third parties. A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order. ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. ( XXXX ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( XXXX ) otherwise has a legitimate business need for the information in connection with a business transaction involving the consumer. ( XXXX ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments or determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment; and ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ). ( XXXX ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award. ( XXXX ) To a Federal, State, or local agency that administers a program for establishing and enforcing child support obligations, upon its request, for use in locating individuals for the purposes of establishing paternity and child support obligations, or for enforcing child support obligations, and only to the extent necessary for such purposes. ( XXXX ) To a potential investor or servicer, or current insurer, in any transaction that concerns the assignment, sale, or securitization of all or a portion of a lenders rights or interests in a consumer credit transaction that was not originated by the investor, servicer, or current insurer. ( XXXX ) To the XXXX XXXX Mortgage XXXX, the XXXX XXXX XXXX Mortgage XXXX, or any private mortgage insurer, in connection with the issuance, renewal, transfer, or servicing of any loan secured by residential real property. '' Section 6802 ( c ) : " ( c ) Protection of medical information. Except as provided in section 604 ( g ) ( XXXX ) of this title [ 1681b ( g ) ( XXXX ) ], a consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumers medical information that is obtained from a medical information furnisher. ''
01/07/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	KY 40272	Web
Date : XX/XX/XXXX I sent Exeter Finance LLC, An Affidavit of notice of billing error. Exeter Finance LLC. Exeter Finance LLC replied back on XX/XX/XXXX stating that my documents were frivolous. Exeter Finance LLC has rejected my demands and replied with a threatening letter to proceed with repossession sale of the Vehicle totally dishonoring my notice of billing error affidavit. In my affidavit I declare and states as follows : Pursuant to 12 CFR 1026.13 - Billing Error Resolution I dispute account number in the amount of {$21000.00} I have submitted correspondence to Exeter Finance LLC to rectify this matter and it has yet to be resolved. Please furnish documentary evidence in accord with 15 U.S. Code 44 of record of accounts where Exeter Finance LLC awarded me with any payment pertaining to this alleged debt. Pursuant to 15 U.S. Code 1666b ( a ) Notice, it is fact affiant is aware 15 U.S. Code 1637 ( b ) ( 2 ) ( a ) refers to a request to resolve a billing error by providing all documentary evidence for clarification of who funded this account and whose obligation it is to pay this alleged debt on this account XXXX. Until then Exeter Finance LLC can not report late payments in accordance with the regulations of the Bureau 12 CFR 1026.13 ( d ) ( 3 ). Pursuant to 15 U.S. Code 1666 ( e ) If the creditor does not provide all documentary evidence as defined under 15 U.S. Code 44 this will result in a billing error and the creditor forfeits all rights to collection on the amount that has been identified in dispute. Notice, it is fact affiant is aware that without resolving this billing error the creditor has legally agreed to forfeit all rights to collect on the amount in dispute pursuant to 15 U.S. Code 1666 ( e ). Pursuant to 12 U.S. Code 5562 ( c ) ( 10 ) - Production of Document Material Notice, it is fact affiant is aware the consumer has the right to request the money audit trail. I am requesting this documentary material in accordance with 12 U.S. Code 5562 ( c ) ( 10 ) to address this subject matter. Without this documentary evidence, there is no evidence of this alleged debt. Pursuant to 12 U.S. Code 1831n ( 2 ) ( a ) - XXXX XXXX XXXX, XXXX and XXXX Notice, it is fact affiant is aware the consumer has the right to request the XXXX XXXX XXXX in accordance with 12 U.S. Code 1831n ( 2 ) ( a ) and without this documentary evidence to properly address this subject matter, there is no evidence of this alleged debt. Pursuant to 16 CFR 433.3 ( b ) ( 4 ) a contract which in a contract which includes a waiver, condition or limitation for a debtor to assert rights for claims or defense against a seller is void. Notice it is fact in accordance with 15 C.F.R. 433.3 ( b ) ( 4 ) I the affiant has reason to believe and do so believe a contract can not and does not constitute as documentary evidence or contain a negotiable instrument or contain any waiver, limitation, term, or condition which has the effect of limiting a consumer such as I, the affiant any right to assert against any holder of a contract with any and all legally sufficient claims and defense which could be asserted against the seller of goods and services and in all subject matter pursuant 16 C.F.R. 433.3 ( b ) ( 4 ) said contract is unenforceable and void. Notice in fact a contract has not given the consumer the full disclosure of said contract with any written, oral, known or unknown subject matter shall not constitute as documentary evidence. I the affiant has reason to believe and do so believe Exeter Finance LLC has failed to meet all requirements established in 16 C.F.R. 433.2 ( a ). Furthermore, Exeter Finance LLC used my open ended credit plan in accordance to 16 C.F.R. 433.2 ( a ) to furnish which furthermore proves they did not extend credit to me in regard to this alleged debt. Pursuant 15 U.S. Code 1692e ( 2 ) false character, amount, or legal status of any debt. Notice it is fact that I the affiant am aware that the false character of the amount of this alleged debt is in violation of 15 U.S. Code 1692e ( 2 ) ( a ). XXXX has proof of this violation as Exeter Finance LLC alleges I owe an alleged debt, yet the account shows the billing in a positive amount. How can I pay into an account which is already positive? This is in violation of TILA. Pursuant to 18 U.S. Code 8 - Obligation or Other Security of the United States Notice in fact that affiant is aware that all obligation of debt is the responsibility of the United States. Please adjust this account to a zero balance and return all funds paid into this alleged debt, including payments of interest, down payment, etc. You have 10 days of receiving this notice to comply. If you can not provide all documentary evidence requested then you have agreed to the terms of this notice. I have included a copy of the bill as proof of a billing error. See Exhibit 1. Kentucky Rule Kentucky, in the minority of states, applies the mailbox rule to option contracts as well. In Palo Alto v. BBTC Co., 11 Cal.3d 494 ( 1974 ). As previously explained, when the notice of exercise of the option is viewed as an acceptance of an irrevocable offer, such notice is clearly covered by section 1583. Notice to Agent Notice Knowledge U.C.C 1-202 Respectfully
09/19/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	IN 46410	Web
I have had an auto loan with Exeter Finance LLC since XX/XX/XXXX. I am current with my auto load with six more payments owed. I noticed around XXXX XXXX I was at the gym and someone was following me around. I thought nothing of it until I decided to get a massage. AFter the the massage, I found that person waiting for me and follow me out the gym. I quickly went to my vehicle and noticed that person was already in their car and appeared to be waiting for me to pull off. Based on their reaction, I took a picture of their license plate. As soon as I was home, I reached out to my auto finance company. THey advised me they only do collection activities if the account is so many days past due. My acount was not. I thought the problem had been remedied. In XXXX, I knew I was going to have XXXX XXXX and would be off work. I called my finance company in the hopes of getting my payment pushed to the end of my loan. I was advised because the payment was not due until mid XXXX ( XX/XX/XXXX ), I can't make sure an arrangement until the payment is almost 10 days past due. I thought that was strange, but I had to focus on my health at that point. After my XXXX and subsequent hospital stay, once home I was put on strict orders not to leave my residence until after I was cleared by the doctor. Almsot week home from my XXXX, I started to notice people driving around my vehicle in the middle of the day, with their engines idling. It was evident they didn't reside in my apartment community. After almost 2 hours ( based on what I gauged from my kithen window ), they would sit out there for almost an hour before driving off. Almost an hour later, another vehicle would do the same. This went on for a few days until about XX/XX/XXXX when I noticed threee vehicles, engiles idling in the middle of the day, in various partking spots that allowed them to surround my car. I didn't recognize them as any cars of residents in the community. At the same time, I recieved a call from Exter Finance. They advised I was late with my payment and I needed to make payment. I told them of my XXXX status and the need to move my payment to the end. As soon as this was done, the cars around my vehicle drove off. ( I find this curious ). And the gym, ... .I work from home for the most part due to the new normal. After being released to go back to work and all activities on XX/XX/XXXX, I decided to go to the gym. At the gym, I have a focus of my routine. EVery station, every routine I do, I have some watching me or sitting on the equipment observing me as I am doing my workout. I do my best to block them out with my wireless earbuds and my workout online class, but sometimes they almost try and collide and bump me to make me react as they pass by. I feel like I'm in high school dealing with the bully who wants attention and a reason to ahve a confrontation with me. Today, I was out with my friends. As I approached them to meet them for lunch, some strange scuffy man was sitting at the table close to them like he was part of the group but he wasnt. He smirked at me at kept staring intently at me like I should acknowledge him. THe more I focused on my friends, the more he focused on me. After he left, one of my friends even acknowledged he was quick to get behind them in line and sit so close to our table. HE definitely was not of our element. At this point, I have done a police report. I have taken pictures of the vehicles and ppl when I can. Based on another converastion I had with my auto company, I had a late payment from XXXX for {$42.00} that was owed,. I payed them. I was advised they could not apply it to my account as I still need to make my XXXX payment which is not due until XX/XX/XXXX. I acknowledge I made a payment arranagement with them for XX/XX/XXXX ; XXXX, I feel I am in impossible scenario. I have made a polic report. I have even contacted an attorney. The lawyer advised they onlhy deal with phone harrassment. I am unble to find anyone to help me with this type of harrassment. I understand the auto company has the right to collection practices ; however, I was advised thsi is not due until the care was about to be repossessed. My vehicle payments may be a few days late but they have been on time. IN addition. how can I be allowed to have a late payment from XXXX to carry over this long? Finally, I am at my wits ends about the collection practies. It's like Breach of Peace if being pushed to the limit with the goal to make me the agitator. This is not fair. Whoever the auto finance company has outsourced their work to, they have no scruples about when a collection activity should be carried out or the rights of the consumer. I would appreciate someone looking into this matter and the possible outsourced or in house debt collecdtion practies of this industry. I know I only have 6 months left on my loan, but this harrassment is not acceptable and I feel I am not the only one with this issue. I look forwaard to your response. Thanks you.
10/29/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 318XX	Web
On XX/XX/XXXX I went to look at a XXXX XXXX XXXX used SUV on the lot at XXXX XXXX XXXX Georgia. When I got there I informed the 1st person that talked to me his name was XXXX that I had emailed with XXXX XXXX and XXXX XXXX and that I had my own financing of up to {$14000.00} he joking said {$15000.00}. He got XXXX out to talk to me and I informed him of the financing and he opened the vehicle for us to look at. XXXX comes out and I tell him about my financing and then XXXX comes back and says you do not want this vehicle it takes synthetic oil and premium gas. Ok I was getting ready to leave as I only came in to test drive the XXXX XXXX SUV. XXXX says come in and let me see if XXXX has better interest rates than XXXX. He said it would be maybe a half point on the credit score as he was doing soft inquiry. I also explained to him that I was still shopping and had an appointment to see a vehicle in XXXX XXXX at a dealer I also explained this to XXXX when I saw him, I was only doing preliminary shopping for a used SUV. I also told him if he had a used manual transmission on the lot he needed to get rid of to let me know. He gets my information and disappears for about 30 minutes. When he comes back I specifically asked him are you checking with BANKS on my behalf and he said NO and left again and went back into another office. Another 30 minutes passes and I was getting ready to leave as I did not think it took that long to find out what XXXX interest rates were. He then takes me over to XXXX XXXX desk and XXXX writes on a scrap piece of paper that he can get me a XXXX new XXXX XXXX manual transmission for {$480.00}. a month. I started laughing and was getting up to leave and he said what can I do to get you to buy this vehicle today. I laughed even more I thought this was all rather funny as I had told him now on several occasions that I had my own financing even showing both XXXX and XXXX the email from XXXX and that I was still shopping and had plans to see more used SUV 's in the next several days. He said we can get you the new XXXX XXXX manual transmission for {$11000.00}. and it will be {$480.00} a month. I said no thanks and left. My XXXX year old son was with me and will attest to these facts also. The next day XXXX calls up and says good new we can get you in the XXXX for {$390.00} a month I was like what ... I told him that I had already told him on several occasions I was not ready to buy nor was I shopping for a new vehicle. Then I get notification from my bank that several hard inquiries had been run on my credit. I contacted the 3 lending institutions that I saw and inquired if any were XXXX financing none were. I contacted the manager of the dealership to give him a chance to correct this wrong. He said he was not there that day and he would check for me. He called back and said that XXXX had not informed the assistant manager that was there that day that I had my own financing nor did he tell him that I was shopping for a used vehicle. That XXXX had informed him that I desperately needed a vehicle. I did not give any one permission to try to get me financing nor did anyone ever ascertain from me the terms I would want to obtain a loan or even how much down payment I had as this information was already in my loan application with my bank XXXX and I had been approved for a loan through them for up to {$14000.00}. on a used vehicle of my choice. The manager said he would not contest when I sent my letters to the credit bureau that they ran unauthorized loan applications without permission using my information. But I find this practice very unethical and they lied to me and I am sure running someone's credit information without permission is wrong and should be prosecuted. I have further received a letter from XXXX that says they declined to give me a loan. I called them and told them I did not apply for a loan with them. They were not interested in finding out that XXXX of XXXX Georgia ran this without my permission. It would seem that every bank that XXXX XXXX XXXX Georgia pulled into this scheme of illegal behavior would also be culpable. I am not sure of the number of times they applied for credit for me without my permission or knowing how much I had to put down or any terms that I would want to complete a loan. The manager said XXXX never checked XXXX financing and that would only take a phone call and he did not need my information to ascertain the interest rates from XXXX. This seems to have been deceptive from the beginning nor has anyone informed me the interest rate or any other relevant information that I would need to make a determination. This was deceit from the beginning and these actions have been detrimental to me. These actions have harmed me as now the interest rate of my approved loan will be adversely affected by the deceitful actions of XXXX of XXXX Georgia. I will be happy to provide any and all information that you will need along with the contact information for my witness.
12/06/2023	Yes	Vehicle loan or lease Loan	Repossession Notice to repossess	IN 463XX	Web
Repossession Credit Dispute Letter EXETER FINANCE LLC : # XXXX, Dispute of Repossession Record Dear Exeter Finance LLC, I am writing to formally dispute the repossession record on my credit report pertaining to the vehicle XXXX XXXX XXXX XXXX ( XXXX : XXXX ), which was financed through your institution under account number [ XXXX ]. I believe that the repossession was conducted in violation of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), Metro 2 Laws, and the Uniform Commercial Code ( UCC ) laws for car repossession reporting. I kindly request your investigation into the matter and, if warranted, the removal of the repossession record from my credit report. As a consumer protected by the FCRA, I have the right to challenge any inaccurate or incomplete information on my credit report. Furthermore, both the FDCPA and the UCC laws outline specific guidelines for the lawful repossession and subsequent reporting of secured vehicles. I assert that the repossession of my vehicle did not align with these provisions due to the following reasons : Violation of Notice and Right to Cure Default : According to Section 9-609 of the UCC, it is mandated that creditors provide written notice of default and an opportunity to cure it before proceeding with repossession. Regrettably, in my case, I did not receive any such notice or an opportunity to rectify the default prior to the repossession. Breach of Peace during Repossession : The repossession agent engaged in actions that violated the " breach of peace '' provision as outlined in Section 9-609 of the UCC. They performed unauthorized entry into a secured premise. In light of these concerns, I earnestly request a thorough investigation of the repossession process, focusing on compliance with the required notices and adherence to consumer protection laws. If your investigation uncovers any violations of these laws, I kindly request the removal of the repossession record from my credit report in accordance with Section 623 ( a ) ( 1 ) ( A ) of the FCRA, which stipulates the provision of accurate information to credit reporting agencies. To facilitate your investigation, I have enclosed copies of relevant documents supporting my dispute such as proof of payment. I urge you to review these materials and provide a written response within the statutory 30-day period, as mandated by the FCRA. Should you require additional information or documentation, please do not hesitate to contact me at XXXX or XXXX Thank you for your prompt attention to this matter. I anticipate your timely response and a satisfactory resolution of this dispute. Sincerely, XXXX XXXX Consumer Law Letter To Whom It May Concern, I recently received a copy of my ( XXXX, XXXX, or XXXX ) credit report, and I noticed some late payments and inaccurate accounts posted on my credit report : I HAVE NEVER BEEN LATER ON THIS ACCOUNT ( EXETER FINANCE LLC : # XXXX ) II was never been late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my acct. If you can not supply this, please DELETE these alleged late payment from my credit report per 15 USC 1681b. Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not includeSubject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactory with deletion of the above referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
04/10/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	OH 43026	Web
In XXXX of XXXX I opened a loan for an automobile with Exeter Finance Corp . The loan was for XXXX XXXX XXXX and came with a 22.+ % interest rate. I made my first payment in XXXX of XXXX. In XXXX of XXXX I was switching jobs and moving over 300 miles across state. I called into Exeter so see if I could have an extension or deferment to offset my payment as I was going to be having my pay date changed by almost 3 weeks due to he new job. They told me that I wasn't eligible for a extension. I asked him if there was a way to change my actual due, to which he responded with we don't do that. I was pretty much left to my own to figure it out. Up till his point according to my credit report I hadn't had any missed payment or a delinquent account. As a consumer I tried to contact this financial institution to remedy a problem before it happens and I felt like I was mislead, lied to, taken advantage of and manipulated in this situation. I continued to make my payments as close to my original due date as possible. In XXXX I got engaged and started to do a deep dive into my credit. I found that Exeter had reported my last 19 - {$680.00} car payments as 30 or more days late demolishing my personal credit report by lowering it hundreds of points. On top of that I also found out that I had amassed a {$1000.00} in late fees with Exeter due to these late payments. To say that I was upset was an understatement. I couldn't refinace my car with a different lender due to the city credit took a and the late payment. So now I was locked in with Exeter. How could a financial institutions in good faith put a customer in such and awful position? I decided that i was going to call in and see why I could do to rectify this situation and thats when I really started to learn about what type of company I had jumped into bed with. The first customer service rep that i spoke with was absolutely awful. Through our call she did she did shed some light on things i was unaware of. She said that they do allow for a due date change so long as your account is current which completely contradicts what the rep i called in XXXX told me. she was of no help at all and quite rude so i requested a supervisor. The supervisor wasnt much more help or any nicer. Halfway threw our call it was disconnected I called back and was told that supervisor wasnt available anymore and that she would give me a call back. I never received a call back. So a few days later I called back, spoke with a rep and then a supervisor AGAIN. This supervisor said she would review the calls and my account and contact their credit department if she felt likely there was reasons too and that she would call me back. While i spoke with both reps I mentioned the I was going to contact the CFPB and both times they tried to encourage me to wait till they could se what they could do before I went that route, both times they never followed threw and left me hanging. I never received a call back from the second supervisor by the date she indicated it any of the several days that followed. 4 days after the latest I was supposed to receive a call back I called into Exeter for a third time to speak with a supervisor. I spoke with a lady who reiterated the same things that i had already heard which to me sounded like excuses and cover ups. She told me that my account was more than 30 days past due in XXXX which would have made me ineligible for a date change. She also told me that they report to the credit bureau on the XXXX of the month. I told her that they didnt report late payments to my credit until XXXX of XXXX which is almost 6 months after I called in to change my due date. She said that because I make my payment in the 23 that my account would be made current in that day each month which was 7 day before they reported. I found all of this to be totally aloof. She essentially said that if I knew there policies and procedures better that I could have called in after I made a payment and got a date change. I dont think that its fair that I as a customer should have to seek this information out when I am calling you to seek a remedy in the first place and this was never offered as information to me by that agent. They withheld information from me to cause me yo have this issue and owe them more money. It felt like they were making things is as they went and again I felt lied to and taken advantage of by this financial institution. My credit is destroyed and on top of paying {$680.00} a month for 5.5 years to still owe $ XXXX on this car and its only worth {$5500.00} is crazy that they would tack on {$1000.00} more in fees. Each rep had a different storys and a basket full of fallacies they can use to manipulate their customers.
05/12/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	TX 75035	Web
I have had an ongoing dispute with the dealer that sold me an automobile. XXXX XXXX XXXX, XXXX committed fraud during and after my transaction on XX/XX/XXXX. They violated the DTPA, FCRA, FDCPA, and FAA, violating my consumer rights. I was lied to during the explanation of the terms, when I noticed additional charges on my finance charge. I asked how was it almost XXXX if I was told I was only approved for XXXX over the phone. XXXX XXXX finance manager said the warranty was a condition of my approval. My husband was also present during the transaction. I later called after I found this to be a lie and spoke to XXXXXXXX XXXX XXXX XXXXXXXX, whom I was told was XXXX XXXX manager. I explained how I was deceived and that I wanted a review of the terms within my contract. I did not trust them now and wondered why they had me come back in to resign a second negotiable instrument.I let them know that I did not get the proper disclosures to make an informed decision, as well the vehicle had broken motor mounts, radiator, valves after I took the car home that cost thousands of dollars to repairs. I wrote them notice of dispute and demanded my right at rescind in early XX/XX/XXXX. XXXX XXXX XXXX has assigned the note to EXETER FINANCE. I realized that I had a yo yo deceptive technique done on me. Whereas the dealer called me after I left the signing stating they made an error. They needed me to resign the documents. Non checking the contract documents non of them were signed by dealer rep or me. I had to ask several times for my contract. I found dishonor in the contract and the transaction and demanded my consumer rights. I was ignored, so I then filed complaints with Attorney General, CFPB ( XX/XX/XXXX, and began arbitration. I filed a notice to cease and desist collection efforts during the dispute and to remove the defamatory and false credit profile reporting on me and my co-signer XXXX XXXX XXXX. We are still in pre arbitration and have been communicating via mail to their attorney XXXX XXXX. I am in the process of moving and pulled the automobile out garage to move trash. I later found the car missing when I went to pull it in garage. I called the Police and that is when I found out due to police investigating and asking my neighbors for their ring camera, that it had been towing. The police called to the tow yard and confirmed it was taken by XXXX XXXX. I am a victim of predatory and deceptive actions. The automobile has been charged of as well which is also being reported on our credit profile another violation of my privacy. Transactions between the creditor and consumer are not to be reported without consent. I was never given the proper Gramm Leach Bailey opt out disclosures and already have requested in XX/XX/XXXX for the false reporting to be removed with notice of my cease and desist. I am suffering extreme hardships due to this aggressive and abusive business practice with no support from policy enforcers. We filed a grievance with the AG and the OCCC for resolution and call on both entities to be investigated. I have been denied housing and employment due to this situation. The tow company has violated Texas Property Code 9.609 : This law sets out the rules for repossession of collateral, including vehicles. Among other things, it requires the creditor or collector to provide notice to the borrower before repossessing the vehicle, and it sets limits on the use of force during repossession. Texas Business and Commerce Code 17.41 et seq. : This law prohibits deceptive trade practices, including false or misleading statements by debt collectors. It also allows consumers to recover damages, attorney 's fees, and other relief if they are victims of deceptive trade practices. Texas Finance Code 392.301 et seq. : This law sets out the rules for debt collection in Texas, including requirements for notice, verification of debts, and limits on harassment and abusive practices by debt collectors. Texas Debt Collection Act ( TDCA ) : This law regulates the practices of debt collectors in Texas and provides numerous protections for consumers, including requirements for written notice of the debt, limits on communications with third parties, and prohibitions on certain debt collection practices. Texas Uniform Commercial Code ( UCC ) : The UCC governs secured transactions, including vehicle loans. It establishes the rules for creating and enforcing security interests in personal property, including vehicles.
01/06/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CA 953XX	Web
Affidavit of truth This rescission notice is made Pursuant to 15 U.S. CODE 1635 ( a ) ( 3 ) ( D ) and 12 CFR 1026.15 ( B ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ), as I was never told I had 3 days to rescind the contract agreement which is required by federal law. Neither was I given the notice that comes along with all consumer credit transactions. Furthermore, you EXETER FINANCE LLC failed to clearly & conspicuously disclose all my rights of rescission. Creditor shall deliver XXXX copies of the notice of the right to rescind to each consumer entitled to rescind. Instead, I was provided with a Contact cancellation agreement by dealer XXXX XXXX which is required by state law but does not affect the ability of a buyer to rescind the contract or revoke acceptance under any other law. In Addition, the contact cancellation agreement is void due to the violation of Vehicle State Code 11713.21 ( b ) ( 3 ) ( g ). The dealer shall not specify a time that is earlier than the dealer 's close of business on the second day following the day on which the vehicle was originally delivered to the buyer by the dealer. The Contact cancellation agreement indicated the latest time as XXXX on the contract agreement but should reflect XXXX which is indicated on their website for place of business at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear EXETER FINANCE LLC , Pursuant of 15 U.S CODE 1602 ( I ), I XXXX XXXX , original creditor and Natural Man herby rescind my consent to be liable or compelled to perform on to the contract and agreement I entered with EXETER FINANCE LLC . I entered into this contract agreement with EXETER FINANCE LLC without, 1. Full Disclosure of my right of rescission in Pursuant to 12 CFR 1026.15 ( B ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) and 15 U.S. CODE 1635 ( a ) ( 3 ) 2. Transparency regarding the process of the consumer credit application being the financial asset 12CFR 360.6 ( 2 ) ( D ) 3. Proper information in Pursuant of Vehicle State Code 11713.21 ( b ) ( 3 ) ( g ) 4. As well as self liquidating paper ( 17 CFR 260.11b ( 6 ) In Pursuant of 15 U.S CODE 1611, I have reasons to believe that dealership Seller XXXX XXXX & creditor EXETER FINANCE LLC willingly and knowingly took advantage of me and my consumer credit. In accordance with Truth In Lending ( TILA ), and Pursuant of 15 U.S. CODE 1605 ( a ) with connection to consumer credit transaction the word Finance Charge, does NOT include charges of a type payable in a comparable cash transaction. I was required to pay {$3700.00} as a down payment which is a violation of 15 U.S Code 1605. In addition, pursuant of 15 U.S. CODE 1605 ( a ) ( 5 ) insurance should have been included in the finance charge. Instead, it was disclosed to me I would have to provide my own insurance before leaving the dealership. I am NOT terminating or canceling this contract, I am deducting my liability to pay on behalf of the obligor, as I found serval violations and fraud. Notice that Pursuant to 15 U.S. CODE 1635 ( b ) : upon receipt of this rescission, I am NOT liable for any finance charge or other charge. Any security interest given by the obligor including any such interest arising by operation of law becomes void upon such a rescission. In addition, I was given false and deceptive information as I was informed that a down payment of {$3700.00} was needed for me to drive off the lot. Pursuant to 15 U.S. CODE 1635 within ( 20 ) twenty days after recipe of this notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect termination of any security interest created under the transaction and placed on the property which in this case is a CAR XXXX XXXX XXXX XXXX XXXX # - XXXX In Pursuant of 15 U.S CODE 1611 ( 1 ) ( 3 ) ; One can be fined up to {$5000.00} or imprisoned not more than one year, or both for giving false or inaccurate information or fails to provide information which is required to disclose to me. Take future notice that Pursuant to 15 U.S. CODE 1605 in connection with any consumer credit transaction shall be determined as the sum of all charges, the down payment and any other reimbursement should be issued by check or money order payable to XXXX XXXX XXXX, and sent to XXXX XXXX XXXX, XXXX CA, XXXX XXXX XXXX XXXX Please feel free to send all communications by mail to XXXX XXXX XXXX, XXXX CA, XXXX XXXX XXXX XXXX Thank you, XXXX XXXX
01/04/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	MD 21921	Web
I purchased a car from XXXX XXXX XXXX in XXXX DE, a XXXX XXXX XXXX. It was financed through Exeter Finance which was fine and on the up and up until I had to put some payments at the end of the loan. My Mom had gotten into a car accident so I had to take up some of the slack but I was keeping up with my payments. I 've had several car loans in the past and have never had this type of situation where the finance company added extra interest on interest and late fees. With Exeter even when I was past due I would still make a payment. I at one point was making up for the past due amounts by paying {$250.00} 2x a month. For as much as I was past due, my past due amounts being up and down I made 50 payments at {$390.00}. I purchased the car XX/XX/XXXX. When things were getting to where I was trying to tell the car I would ask the reps what I amount owed in XX/XX/XXXX because I was hoping to refinance the amount or sell the vehicle and get a new car loan. It was at this point I was told that for everyday I was past due I was being charged additional interest of about $ 10- {$12.00} a day which amounts to {$300.00} to {$360.00} a month in addition to my regular late fee and car payment. They claimed it was listed in my finance contract and it is not. I do see where it did state I had a 66 month payment plan but each time I called someone would tell me something different. At one point I thought it was a small amount of about {$4500.00} because that amount was close to the would be the amount completing the contract. I had paid them {$390.00} x 50 = {$19000.00}, and the total price due was {$26000.00}. That was an amount that a couple do dealerships I called about getting a new vehicle could work with, not the {$10000.00} and counting. That was the amount they said I owed since I was still past due and counting as long as I as late. I moved because the company that bought the place was raising the rent to get people out. During this time and the time they took my vehicle XX/XX/XXXX, I had paid {$19000.00}. Now the question is when they told me they had taken the vehicle and when I could get my things and them sending it off to auction house is in question. I spoke to a XXXX, I asked when could I come get my things, I said I was able to get them around the end of the week. I went to get my things and the low and behold the car is gone and my possessions were thrown into two garbage bags and they did n't put everything from my car in the bags because I have several things missing, a XXXX CD, matching Pink vases, clothing and my Winter boots, I have two pairs of boots missing. I asked the guy at the place where I was told my car was which can only be described as a junkyard for a receipt that I got my things he said they do n't do that. I called Exeter to ask why was the car gone, the guy said he told me they had taken it to the Auction place when I asked about my items, he did n't. So then I have to wonder about the letter they sent on XX/XX/XXXX stating to get my car back I would have to pay {$3200.00} ( {$1900.00} past due payments, Unpaid late fees {$410.00}, {$850.00} Repossession Expenses = {$3200.00} ). My question is this, if you are telling me this is all I needed to get my car back why would you had taken it to the Auction Yard pretty much the minute they took it before the end of the week. The letter is dated XX/XX/XXXX but the car was already at the Auction Yard XX/XX/XXXX which means they were never going to allow me to get my car back. The Auction date was XX/XX/XXXX, if they were being fair they would not have taken the car to the Auction Yard as soon as they took the car. They sold the car for {$3500.00} but if I were to have paid that amount of {$3200.00} I would still have to pay an additional {$7000.00}. which totaled {$10000.00}. But paying that past due amount would only get me car back and additional late fees. What do I want, I want all of my money back, when you read the letters they sent me along with the contract I signed when I first purchased you can see they used predatory actions. With the additional late fees, why would you take the vehicle to the Auction Yard which is in XXXX if you were to going to allow me to pay my past due amounts. This meant I would have to pay storeage fees and everything else that went along with it just to put more fees onto the amount I would owed. I feel this was a predatory loan and they had no plans to sell me the car.
12/19/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 322XX	Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. XXXX XXXX XXXX XXXX XXXX XXXX EXETER FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. Thank you for your full consideration in this matter. Sincerely, XXXX XXXX
04/27/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NC 28461	Web
OK so during the summer 2022 I was going through some hardships I was only making {$500.00} a month I was trying to tell them that they said I could do deferral or whatever if I got my CO signer to sign a paper well my cosigner claims that they never sent then anything. this was multiple times that I was trying to do this and they would not do it because they kept saying that the cosigner ( cs ) needed to sign the paper and the cs never received anything on their email or anything to sign So they come to reposse the Car about XXXX right befor XXXX OK so I couldn't find my car I thought it was just a tow truck and i just parked in the wrong spot nobody claimed to have my car called finance company they didn't claim to have my car I had to put a stolen Car report out month later the officer finally gets to gets them to admit to having my car so I call up there to see what I need to do to get my things out of the car. they tell me that They have to send paperwork to this company for this company to be able to give me the number of the tow company that has my vehicle so 2-3 weeks go by they put my cs name on the paperwork whichcourse prevented me from being able to go get my things and then I had to go through that whole process all over again for them to put my name on it so I was able to get the number just to be able to set up something to go get my things. so finally the paperwork gets straight now I called the company that give me the number to the tow Company I call the tow company and the tow company tells me that they've already sent it to auction. Now mind you they have yet to send me any paperwork in the mail or anything to tell me when where or how they were going to get sell it so I can have the opportunity to put in offers for my car. They have no communication with me whatsoever it is like trying to pull nails just to get the information so I could at least try to get my things out they kept pulling me around. So the toe company tells me I need to call my finance company I call my finance company to see what was going on they tell me that the company that I had to call in order to get the number to the tow company is the ones that handles all of that and I needed to get in contact with them so I had to call back that number They tell me that they don't understand why the toe company is telling me that because they have no records of it being taken off To auction. The finance company also told me that that company was the ones that cleaned out my car and should have my things if it was taken to auction. So none of this Makes no sense to me whatsoever so nobody knows where my car is so I'm calling and calling and trying to get somebody to give me information because all I want is my things out of it because it's got my son 's birth certificate and a couple of other things to me So then the police department calls me and tells me that they found my car in a different county and this has been months after I've called and called that they would not answer my phone calls they always sent me to voicemail no matter what time it was and when I'd leave a message they would not return my phone calls so this is months later after I've given up I get a piece of paper in the mail stating that I owed them {$10000.00} for the car the car was loaned to me it was only XXXX so then I just found out from my insurance company That they have went and put a claim down on the car to repair the damages after they repossessed it and my insurance company submitted a check to them for over {$3000.00}. In finance company is still saying that I was in {$7000.00} because of what they didn't make from the auction to pay the whole amount and a bunch of toe fees and stuff like of this makes sense to me nobody gave me any information I was trying to just get my things out and they wouldn't even do that for me they have subcharged me they had not given me a chance to be able to do anything with the car I had even got a check from a claim that was different than the one that I'm talking about they did and tried to put {$3000.00} on my car and they wouldn't take it I guess because it had already been in repossession I'm not quite sure why I don't think it's right that they were able to go through my insurance company and file a claim to get payment for it to repair it After repossession and still charge me the amount that they're charging me
08/26/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with a trade-in	OK 748XX	Web
Currently have a Loan with Exeter Finance in Texas since XXXX. We experience a short fall last year with my boyfriend and medical reasons/job. This year in XXXX, I paid on XX/XX/XXXX -- - {$2200.00}. On XX/XX/XXXX I finished paying with {$2200.00}. Was told the next payment was due in XXXX. Keep in mind, I was told I was caught up. Granted for the record, I have to this day not received a notice from Exeter, for eg. my scheduled payment due since XXXX. What my balance was, or payments posted. NOTHING. I have also reported this to them several times, and the last was 2 weeks, ago, and NOTHING. XXXX payed XXXX reg payment. In XXXX I called to make a payment, was told due to the covid they are helping customers out, and would I like to skip XXXX and make a payment in XXXX. I said sure. They told me they would put me on a recorded line, I agreed to the skipping a payment. Was told next was due in XXXX. Said ok. Then shortly after received something in the mail telling me my payment was due in XXXX. Tried to call several times, never got thru. Said the XXXX with it, I had a witness to my conversation, and thought maybe a typo. So I call in XXXX to make my reg payment. Spoke with XXXX. Was told I only owed XXXX as I was over charged back in XXXX of this year. I asked 3 different times, and put on hold, they assured me ok. So I made the payment. I decided I wanted to trade it in, thought I was caught up. XX/XX/XXXX at XXXX XXXX in XXXX OK. Tried to trade it in, was told by XXXX after hours of waiting, and ridiculous phone calls to Exeter that he had made, that we couldn't trade it in. He told us the bank said they were not reporting the payments. He asked us where all our money was for this truck. We told them this co. was bogus and that is why we are trying to get out of this finance co. I then was on the phone with " XXXX '' at Exeter, after several phone calls, and being put on hold, and transferred. By this time, I was ready to just give up. Can not deal with these people anymore. So, XXXX went over everything with me, also, told her we had not received any statements from them since like XXXX or XXXX, and then one just recently saying I owed over XXXX in payments? She said there was something that I still owed back in XXXX, and it got carried over. Granted I was never notified until XXXX when I CALLED THEM!!!! Still don't understand what the XXXX she was talking about, as they told me I was caught up. Meanwhile, the phone call in XXXX when they said I only owed XXXX. Well, that was a lie, and they were wrong. So I have been charged interest since then, nor was I ever notified, as I am NOT GETTING STATEMENTS from this co. NOR any emails!!!!!!! So it was reported to my credit. And according to Dealership whom I KNOW, was told that EXETER was not reporting any payments, and so it looks like I have not payed on anything. Needless to say, we lost contact when I was on the phone with Exeter, XXXX and I. She didn't return my phone call. I have tried to call 3 different times today, XXXX to the co. Spoke with different people, put on hold, and transferred. One pretended she couldn't hear me. I requested a pay off, still wont give me one. Couldn't transfer me to " XXXX. '' They are showing to different numbers that I owe as of today {$1400.00} and XXXX. DO NOT UNDERSTAND THAT I have looked these people up, and this is just not happening to me but others too. I feel they are not reporting my payments on my vehicle, Also, reported me to credit co, when it was not my fault. Charged me for interest that is not my fault back in XXXX. I Need some help. Something is not right with this co. XXXX said she would send me a statement and copy of the finance agreement. It's been over 2 weeks and nothing. I have received calls from them when I am at work, and can not get to them as I am a XXXX seeing XXXX. My voice mail just gives me someone typing, no message. Something is seriously wrong, and I needs some help. AND, with all the screw up, she credited me {$150.00}. I asked her what was going to happen to the one who lied to me, she couldn't disclose that. Also, I was told as well, that if they didn't get to save my payment info, that I may not be able to make a payment next time. I did tell them, that they will not save my XXXX, and if they do, then I guess you wont get paid. I know my rights!!!!!! I told XXXX that too.
11/25/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	GA 30141	Web	Servicemember
I bought this XXXX XXXX from XXXX in XXXX of 2017 I have reported XXXX to several different consumer protection agencies do to the fact they have committed fraud and deception inspire I got in touch with Exeter explained that this vehicle has cosmetic and mechanical problems and issues this finance company is in with XXXX I explain to Exeter nothing they dont care I got sold a vehicle that has a thirty warranty from XXXX XXXX to fix it and correct whats on documentation nothing was done and I reported to Exeter they didnt care because XXXX sold me a car that has over 10,000 dollars worth of issues and problems which I got told by several people that worked for XXXX that these cars are reconditioned vehicles and I need to hire an attorney and take this to court this is covering up problems and this has to do with XXXX and Exeter do to the fact Exeter still uses XXXX to reposses vehicles and I am not going to pay all that money to fix this car when this is dealer fraud and the finance company when I ask them like theyre covering up issues because they work with XXXX, XXXX and Exeter needs to be investigated this is also false advertising they had a 5 day money back guarantee they actually told me that I will not get my money back and will not honor the thirty day warranty I will not make no payments on this vehicle period I turned this is over to XXXX XXXX I will file FTC complaint, bbb, this is fraud and deception negligence, either they send me the title or cancel this contract to the full extent I will sue XXXX I have a lawyer lookin into this but I want the attorney general to investigate Im not the only one being done like this I will consider the title because this vehicle was sold unsafe they had let drive home I almost got into a wreck brakes are bad and rotors the breaking system, there is also stop leak in the my coolant reservoir that looks like they are tying to cover up a problem this car has over heated and shut off and it has transmission problems XXXX held my vehicle for over 4 days no work performed at all but yet XXXX says to bbb that I took my vehicle and that I didnt let them keep it to do the work but yet I have a witness that states they over heard how XXXX and the recording contends that XXXX took away the 5 day money back guarantee and its 30 day warranty because I contacted the corporate office thats fraud and deception in it self, Exeter did not want to help at all this car has more problems then I should pay for and selling a vehicle with these type issues is also a breach of contract for covering up its problems and issues I also found on a report that XXXX XXXX rolled back the speed odometer to sell it at a lower mileage I do have that report on my email I also have copies of the thirty day warranty that XXXX should had honored and the 5 day money back guarantee that did not I no way get honored, I will put this on tv with the news, And paperwork on cosmetic damage thats written out that was never done XXXX and Exeter finance commuted fraud Im not going to give in on this this finance company and XXXX needs to be investigated to the full extent of the law Ive had this vehicle looked over I want the title to this vehicle and my credit report updated or I will sue over no honoring of warranty and rolling back the odometer thats a federal offense and dealer fraud and deception, negligence on both XXXX and Exeter I have proof of everything I been through I feel like I got scammed by both XXXX XXXX and Exeter I will not negotiate my paperwork and and everything I have is justified what was not done and solid proof that this vehicle also had more than one owner I was lie to about that this was all a cover up, brakes, rotors, transmission, clutch and throw out barron, motor back fires, stop leak in my coolant reservoir ( covering up a problem with the motor ) had it look at by XXXX and was told more problems then what the car was worth XXXX sold this car that has more problems then what the contract reads, car shut off, over heating, cosmetic damage, paint scratches and repairs never done inside and out and rims were supposed to be replaced black spots all over my rims total cost is right at as a estimate 10,000 dollars thats almost the total cost of the car please resolve ( title )
10/07/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 33404	Web
On the afternoon of XX/XX/XXXX, I contacted Exeter Finance twice in regards to my loan contract with my vehicle ( XXXX XXXX XXXX ). I spoke with two separate individuals ( XXXX calls ) at XXXX separate times on recorded lines. During the first with the first representative, she stated some information I'd never been told by an Exeter Finance representative since I've been in contact with them regarding the maturity of my account, my hardships and payment options for the past few months. Among other things, she stated that unless I paid the full remaining balance left on my loan by XX/XX/XXXX, I would be penalized by the debt being posted on my credit and staying there for 10 years. I asked her why is this the first time I'm hearing of this ; when I've been in contact with Exeter Finance for the past few months regarding my account and maturity date. She did not give me a straight answer. The phone call ended with me being very upset and confused because I feel like I was toyed with and given misleading information. Due to a banking issue with my card and payment, I contacted Exeter Finance again and spoke with a representative by the name of XXXX XXXX ( employee id : XXXX ). After handling my initial request, I explained to XXXX what the other representative said during the previous phone call, regarding my maturity, remaining balance and credit report. After telling her, XXXX apologized multiple times for the incorrect and misleading information given to me. She was genuinely confused as to why another representative would give incorrect information and that Exeter Finance does not scare their customers into making payments. She also stated multiple times that they ( representatives ) " aren't trained '' to provide customers with that type information. She stated representatives aren't trained to coerce customers into making payments by stating incorrect and misleading information. She mentioned there's another department that handles the in-depth process on maturity accounts. So, the previous representative was incorrect and misleading in what she said. She also stated my account reaching it's maturity status is still pretty new and that she's seen multiple cases where maturity dates have long passed and status ' ran long after mine. And those customers did not receive or were not threatened with a credit debt would last 10 years on their credit reports. During the phone call I explained to XXXX what I discussed with other representatives in the past couple months regarding my remaining balance. Which was : Due to me not having $ XXXX to give Exeter Finance out right ( due to hardships during this pandemic ), I could still make payments until the balance is paid off. By law, Exeter Finance will continue to report to the credit bureau. And being that my maturity date has passed and the full balance is due, the reports will state my payments are late until the remaining balance is paid in full. That was the agreement made. There was nothing else stated to me in the past beyond the above. After telling XXXX this, I asked her what were my options now, since I'm being told different information by different representatives. She stated what's on my file is as is. Meaning I can still keep making the payments until the remaining balance is paid. Exeter Finance will still have to report payments to the credit bureau as late being that the maturity date has passed. XXXX apologized again for the incorrect and misleading information and assured me that I could still continue the agreement previously set in stone. Although XXXX helped subside some of the anxiety of this situation, I am still very upset and uneasy that this company will allow this type of behavior! The first representative used the information she said she had to try to coerce me into making full payment even after explaining my situation to her. This type of behavior is unethical and against the law! All calls are monitored and recorded every time I call Exeter Finance. This isn't the first time I've called Exeter Finance and received incorrect or misleading information by one of the phone representatives. It's not fair to me or other customers who trust these individuals to be ethical and integral in how they handles accounts and agreements.
11/15/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 21703	Web
I am writing to denounce the malpractices I was recently subjected to by Exeter Finance. On XXXX XXXX XXXX, I called Exeter Finance and spoke to one of their agents to request an extension for the month of XXXX and XXXX. During the call the employee advised me that I still owed {$200.00} for the month of XXXX and asked if I could pay the remainder of XXXX and then she can process the request for the extension, which I did. So I paid the {$200.00} for XXXX and the employee processed the extension for the month of XXXX and XXXX XXXX at least that was what she advised me XXXX and she even stated that my next payment due is XXXX XXXX. On XXXX XXXX my credit was flagged 30 days past due for {$200.00}. So I called Exeter Finance and spoke to another agent who advised the extension placed actually covered XXXX and XXXX. I advised the agent I didnt need an extension for XXXX because XXXX was already paid. The extension I needed was for XXXX and XXXX. She passed me to her Manager XXXX who tried to tell me that according to their policies since there was a balance for XXXX the extension was automatically applied for XXXX and XXXX. I advised her the same I did to the employee, that as she can see in the record there was a {$200.00} paid the day I called to request the extension, specifically to cover XXXX. So XXXX would have been a {$0.00} balance and then extension should have been for XXXX and XXXX, and if I knew the extension was not for the month I requested I would have declined the extension or made other arrangements. But from what her employee noted on the account and stated to me the extension was for XXXX and XXXX. XXXX then advised she will go back and listen to the call and I have to follow up with her in XXXX. I called back on Friday, XXXX XXXX and spoke to XXXX, not only she had not listened to the call but she tried again to put the blame on me stating that the extension was for XXXX and XXXX. I went back and forth with her and once again she advised she will go back and listen to call and call me back. She called back a few hours later and advised she had started to listen to the call but refer my acct to their account maintenance department for them to look at the account and see what happen. I advised her I was in the process of buying a house and I was 2 weeks away from the closing date and I need this matter resolve asap. I even asked if the extension was applied for XXXX and XXXX then the payment I had made to cover XXXX should have been applied to the month of XXXX and therefore for I still dont see why they reported 30 days late payment to the credit bureau. On XXXX XXXX Exeter Finance has taken again to step to Flagg my acct to the credit bureau for 30 days late payment. I called back on Monday XXXX, I spoke to Supervisor XXXX, who now is telling me that the {$200.00} payment was applied to fees that were on the account instead of the payment. Since I did not have any balance due to the extension that was approved the {$200.00} payment that I made went towards the fees. I explained it to him that was not what their employee explained to me. Have I known that the {$200.00} went towards other fees I would have made other payment? I was unaware of any past due balance on my account until my credit monitoring service sent me an alert. I asked XXXX to correct their mistake and apply the {$200.00} towards the payment of the loan as it should have been in the first place. Based on the discussion I had with their employee on XXXX XXXX and the confirmation statement she read to me, nothing stated that the {$200.00} payment I made went towards fee. She advised me the {$200.00} was going towards the payment for XXXX and she placed an extension request on the account and the next due date was XXXX XXXX. This company refused to admit their error and on top of it is penalizing me for something I didnt do, I lost more than 40 points on my credit because of the incorrect late payment they reported, and I lost the purchase of my home because of them wrongfully reporting negative information to the credit bureau. I need Exeter Finance to own their mistake and correct their action, and also to remove the incorrect report made to the credit bureau.
02/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29150	Web
NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXTER FINANCE LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXETER FINANCE LLC XXXX XXXX I dont recognize this Fraudulent account Im a victim of identity theft. It is your duty to protect a consumer who notified you of identity theft and remove accounts no later than 4 days of receipt 15 USC 1681 C-2, FTC IS ATTACHED. in accordance with the fair credit reporting act ( consumer reporting agency ), has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. YOU BROKE THE LAW!!! Failure to respond satisfactorily with deletion of the above demands will result in legal actions taken against your company for which I will be seeking {$1000.00} per violation for : Defamation of character negligent non- compliance Civil liability Mental anguish Fair credit reporting act 15 USC 1681 violation for willful noncompliance - 616. Civil liability for willful noncompliance ( 15 USC 1681n ) Identity theft Despite two written requests, the unverified fraudulent items listed below remain on my credit report in violation of Federal Law. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Furthermore, you have failed to conduct the proper method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. ( I have the paper trail where you stated that you INVESTIGATED and verified this account however you committed another illegal act according to FCRA 15usc 1681a ( e ) the law states an investigation is only legally complete when you interview my family, associates, neighbors ) you did not do that you only contacted the company thats paying your financial institution to report this fraudulent item without my consumer consent. DELETE THESE FRAUDULANT UNAPROVE REPORTS NOW because The law is very clear as to the Civil liability and the remedy available to me the consumer ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer DELETE THESE accounts or I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA to prove how ( bureau ) committed identity theft furnishing accounts without direct consumer consent. Late payment This report is illegal you must follow the law 15USC 1681a ( 2 ) ( i ) Exclusion, a consumer reporting agency is not allowed to report transactions and experiences such as ( payment history and utilization ). It is the consumer reporting agency 's job to make sure they follow maximum accuracy compliance and procedure 15USC 1681 ( e ). You have been notified and I demand removing this fraudulent illegal account from my consumer report. This is making me lose confidence in the banking system 15USC1681 ( a ) ( 1 ). Avoid a major violation because 15USC1681 section 602 A section 2, states a consumer reporting agency can not furnish an account without my ( consumer ) written instructions. Provide the signed written consent of ( me ) consumer and you ( consumer reporting agency ) to furnish this report. Understand that if Failure to delete this account within 30 days we will file all necessary complaints and seek legal counsel, the approved response is to delete this account immediately.
01/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 08618	Web
On XX/XX/XXXX I sent in a validation letter to company Exeter in regards to an alleged debt reporting on my consumer report. Exeter responded on XX/XX/XXXX stating that according to their records, on XX/XX/XXXX this account was sold to XXXX XXXX XXXX and that to contact them for further details. I would like to understand why Exeter is reporting on my consumer report, under what law Exeter gained the right to report to my consumer report? Date : XX/XX/XXXX RE : Account # : XXXX I am writing due to the negative marks youve made on my credit file. I would be willing to accept this debt if it were mine and upon Validation and Proof of Claim but its not mine and theres no way that you can validate it. I'm sure you are aware of the provisions of the Fair Debt Collection Practices Act ( FDCPA ). If not, please refer to 15 U.S. Code 1692g - Validation of debts. So let it be known that I am requesting full validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt and that there is some contractual obligation which is binding on me to pay it. I request that you stop contacting me by telephone and restrict your contact with me to writing only, and only when you can provide adequate validation of this alleged debt. Per 15 U.S. Code 1692g - Validation of debts ; Which constitutes legal validation, here is a list of the required documentation : Complete payment history, the requirement of which has been established by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe obtained directly from the Original Creditor. Date Of Last Activity My full, complete and correct social security number that may help to identify me as the correct person you are trying to collect from. Agreement that bears my signature as the alleged debtor wherein I agreed to pay the original creditor The obligation between you and I that allows you to collect on this alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim I owe. Photo Identification ( i.e., driver 's license, state identification card, or other government issued identification card ) that was presented to you at the time of incurring this debt. Letter of Sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where at issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. Proof that this debt has not been written off as a tax liability. Any other intimate knowledge of the creation of the debt by you, the collection agency. I'm sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until this debt is validated. You should be made aware that in XXXX v. XXXX XXXX, XXXX. XXXX XXXX ( XXXX XXXX XXXX ), the court ruled that reporting a collection account is, indeed, considered collection activity. You should also note that this is NOT a request for Partial Validation but rather, its a request for EVERYTHING listed here in order to constitute full and sufficient validation of this debt. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA and other statutes. I look forward to an uneventful resolution of this matter. Thank you for your time and attention to this matter. CONSUMER, XXXX
05/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI XXXXX	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Exeter Finance To whom it concerns : I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. Exeter Finance I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address listed at the top of this letter. Thank you for your time and help in this matter. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! 1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 2.What certified documents were reviewed to conclude your investigation? 3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 4.What did it cost your company to obtain the documents needed to complete your investigation? 5.Please provide proof of your timely procurement of certified documents. 6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 7.If yes to above : a.Who did you speak to? b.On what date? c.How long was the conversation? d.What was their position? e.What telephone number did you call? f. What is the name of the employee of your company that spoke directly to the above party? g.What is the position of the employee of your company that spoke directly to the above party? h.How long has that employee been employed by your company? i.What formal training was provided to this employee to investigate items of this kind? j.Was there any e-mail or written communication between members of your company and the above party? 8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. 9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will cease. Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response. My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial. Please respond accordingly, Sincerely, XXXX XXXX
04/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48076	Web
Fraudulent accounts opened in my name appearing on my credit report that I have disputed in the past : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have disputed inaccuracies on my credit report multiple times in the past due to fraud with the information not being removed from my credit report. I ask that these things all be removed from my credit report, as it was done fraudulently without my consent.
11/30/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TN XXXXX	Web	Servicemember
This is not a duplicate complaint but a complaint addressing the latest attempt at the shell game by this deceitful and incompetent company. They lie and below is proof. On XX/XX/XXXX they respond to my complaint and say " Any partial payment received between now and XX/XX/XXXX will continue to be applied as a principal reduction. As such, any partial payments received after XX/XX/XXXX will be applied as principal and interest payments until the XX/XX/XXXX payment has been completed. Once the XX/XX/XXXX payment has been completed, any additional monies received will be applied towards the principal reduction. If the account continues to be paid ahead by three payments, the principal reduction will continue. '' I made a {$10.00} payment to see if they would follow through and they DID NOT! I complained again and they tell me this on XX/XX/XXXX : Exeter would like to thank you for the opportunity to address your concerns regarding the payment allocation regarding your account. Exeter has thoroughly investigated your complaint, responded to the CFPB and made the determination set forth below. On XX/XX/XXXX, Exeter responded to your complaint filed through the Consumer Financial Protection Bureau ( CFPB ) regarding the same/similar matters presented in this complaint. On XX/XX/XXXX, Exeters records reflect that you inquired about making principal reduction payments. In response, Exeter advised that in order to have the full amount of the payment applied as a principal reduction, the account must be paid ahead three months. Your due date has been advanced to XX/XX/XXXX. As of XX/XX/XXXX, you are 88 days current. This is a simple interest contract, which means that you will continue to accrue interest each day there is a balance owed. Each payment that you make will be applied as follows ; first to the accrued interest, second to payments due, then to any outstanding fees on the account. Any additional monies will be applied to the principal balance. As of XX/XX/XXXX, your interest owed is {$310.00} and your interest accrued per day is {$13.00}. A payment ( regardless of amount ) received by Exeter will be applied to the account and will follow the standard payment allocation method as follows : 1. Unpaid accrued interest 2. Principal 3. Miscellaneous Fees if present ( i.e., repossession fees, NSF fee for a returned payment, etc. ) 4. Late Fees ( if present ) 5. Any additional funds will be applied to principal The due date will advance up to 3 months into the future and will then cease to advance until the account does not show to be 3 months ahead. The above payment allocation will be used regardless of the due date. Any payment amounts sufficient to cover the unpaid accrued interest and principal amount for the next-due payment will advance the due date. Interest accrues daily at the contract rate on the outstanding principal balance and is paid with each payment as described above. Exeter tried to make phone contact with you on several occasions, but you refused to answer or return our calls. Regardless, Exeter acknowledges that we failed to provide the best-in-class customer service and we sincerely apologize for the inconvenience this may have caused. Exeters success is based on customer satisfaction with our products and services, so the issues presented in this complaint are taken seriously and every effort is made to provide a prompt and equitable response. If you have any questions about these or any other concerns, Exeter encourages you to contact the Office of the President at XXXX. Sincerely, Office of the President Exeter Finance These people are CROOKS! They put it IN WRITING that I can be 3-months ahead and have all payment made while being 3-months ahead being fully applied to the principal balance. Can this company not be held accountable for the documented lies that they tell?
10/26/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	WA XXXXX	Web	Servicemember
To whom it may concern, Exeter Finance Corp is using false and misleading information which is a tactic to keep my credit score low. I have been reviewing my credit reports and see that you are reporting the above referenced account number as having a balance and a past due amount. I actually do n't agree with you regarding the amount and that is why I am writing to you. I am disputing this as being inaccurately reported, which is my legal right to do. I also am bringing to your attention that in order to furnish information on my credit reports, you have to have my written consent, pursuant to FCRA 603 ( o ) ( 5 ) ( A ) ( iii ). I do n't recall ever giving you written consent to collect information or make any communication about this account. In case I am mistaken, I hereby completely revoke and rescind any consent or authorization to collect information or make any communication about me regarding this account on my credit reports. Next, I have been doing some reading and I have found that you are required under the law to charge off accounts that have no payments at 180 days or 60 days if included in a bankruptcy. You are also required under XXXX XXXX XXXX XXXX to cancel that alleged debt by including it in your tax reporting as a deduction. This requires it to be categorized as worthless and not recoverable, and charging off and deducting the wholly worthless amount or only the non-recoverable portion. Now, if you complied with the law, this account has been included in your tax deductions already and I am pretty sure that you also received monies from at least 1 filed insurance claim against it to protect your assets. I contend that the only balance and past due amounts that should be reported at this point is {$0.00} for XXXX as this has been discharged and anything other than {$0.00} is inaccurate and not in accordance with the law. Because it is inaccurate alone, notwithstanding you do n't have my written consent to make any communication regarding it, the FCRA requires that it be corrected or deleted. Under XXXX XXXX ( d ) ( XXXX ) you are required to cease all reporting of disputed accounts until it has been resolved. Please note that the definition of Resolved does not mean a one-sided determination. Resolved means there is agreement of XXXX sides. * Resolved, a form of the word Resolution : XXXX XXXX XXXX : " a settlement of a problem, controversy, etc. '' Synonyms from XXXX XXXX XXXX : " agree, conclude, fix, settle, undertake. '' Please provide the following items to me to resolve the dispute regarding accuracy of whether or not there is a balance and past due on this account and that you even have/had the right to make a communication on my credit reports. To prove the claim you have launched against me, I need you to provide the requested documentation and I need you to admit or deny the following information on a sworn affidavit. Anything you deny will need supporting documentation. Anything not answered will be deemed admitted, as XXXX Agreement. By the way, this sworn affidavit must be completed and attested to under penalty of perjury, by someone with first-hand knowledge of the account, from origination to the present day. Everything is contract law. A valid contract means that it is bilateral. Neither unilateral nor adhesion contracts are valid contracts. A bilateral contract is proof that you made an offer with full disclosure and I accepted and it will have both your authorized representative 's signature and mine on the contract. Should you not provide the following items requested of you to present to me, your claim will be rejected and you will be in default and dishonor. Of course you can avoid this exercise by deleting the information from credit reports and notifying me in writing within 14 days that you have done so.
03/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85044	Web
On XX/XX/XXXX, I contacted XXXX XXXX to pay off the entire balance that had been forwarded to them from Exeter Finance for my XXXX XXXX XXXX. The amount I was advised to pay was {$1800.00} and I asked them if this was a pay in full amount or a settlement amount. They confirmed that this was a pay in full amount. I then ran my credit in XXXX and contacted Exeter Finance as I saw that the amount reporting was over {$2000.00}. I was forwarded to XXXX in the Deficiency Balance Department and requested information as to why I had only paid a partial balance of what was reporting on my credit report. She stated that while it showed I had a deficiency balance of over {$900.00}, it was okay, that even if I paid her while on the phone, my credit report would still show when it ran end of XXXX that the balance was XXXX. She refused to take any monies from me as said that XXXX XXXX was the only company that could handle payment processing. I contacted XXXX XXXX again that month to advise that I needed to make sure that the correct amount was what they had processed and I didn't need to pay them more. Based on the information from XXXX as well as Exeter, I did not make an additional payment. In XXXX of XXXX, I saw my credit report ran and it still showed that I had a balance of over {$900.00}. I contacted Exeter Finance in XXXX and was advised that my account showed charged off on their end and that I had paid on a Settlement. I asked them to go back and listen to my XXXX calls to confirm that I had been told that this was not a Settlement amount and that I needed to make sure it showed on my credit report that I had paid the balance in full. These funds had been obtained from an inheritance from my dad passing in XX/XX/XXXX. My intentions were to pay off all my debt with other companies so that in XXXX, I could buy a house. I was told that they would go back and listen to the calls and get back with me. I never heard back so contacted the end of XX/XX/XXXX and they told me that if I had any problems, I would need to reach out to XXXX XXXX. I contacted XXXX XXXX and was advised that they were not a collection agency and that they had only processed the amount that Exeter had given them. I spoke with a supervisor named XXXX XXXX and he stated that their job is to take money and if they could process the remainder of {$900.00} that they would but this was up to Exeter. My credit report than ran end of XXXX and showed that it was now a XXXX dollar balance but comments showed that I had paid less than full. In XX/XX/XXXX, I contacted Exeter and requested that they dispute this with their credit team. I reviewed the details that I have stated so far. I never heard from them so disputed with XXXX who then forwarded a direct dispute to Exeter. In XXXX of XXXX, I got a letter stating that my dispute was denied and that the comments were correct. In XXXX of XXXX, I saw that my credit report still had the same comments. I contacted them and advised that initially in the Summer of XXXX, I had asked what amount I could pay to pay off the account. They took off the fees and interest to reduce the amount to what I ended up paying XXXX . However, I was never told that this was a Settlement. I advised Exeter of this who then again told me that it was something I would need to speak with XXXX XXXX. On XX/XX/XXXX, I contacted XXXX XXXX and advised XXXX that I would need a pay in full letter confirming that I paid them the balance in full so when applying for a mortgage, it would show that I did make the payment in full and did not pay for less than full balance. he said that the only thing he could send was that the matter has been resolved. I have now sought legal advice and was told to make a formal complaint thru here. Thank You, XXXX XXXX
08/05/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	OH 44144	Web
On XX/XX/XXXX I arrived at the XXXX XXXX XXXX XXXX, Ohio to look for a vehicle in hopes of purchasing my first vehicle. After going over my options and test driving a couple vehicles my sales person was running the numbers and I was having a financial issue concerning the monthly payments. I was pressured into putting a down payment of {$700.00} to attempt to lower my payments. The sales person and I as well as the financial manager were able to come up with a more comfortable monthly payment for a used XXXX XXXX XXXX. I had test driven the car for a short period earlier that day and was told that the vehicle would be detailed and be given a service check before delivery. I then went into the finance managers office to sign some paperwork. I was then disclosed of the vehicles information in regards to the contract with the bank ( Exeter Financial Corp. ) After leaving the finance managers office I was handed the keys, escorted to the vehicle and walked out. Upon entering I noticed that their were car fresheners in the cup holders and some wipe streaks on the dashboard, I turned on the vehicle and drove myself home. The next day as I was leaving for work in the morning I entered my vehicle and could smell the fresheners in the cup holders, I turned on the vehicle and began my commute to work. What I began to notice was the transmission jerking upon braking for a stop and accelerating after a stop. The car felt like it was aggressively downshifting when attempting to stop. I also noticed that when I removed the fresheners in the vehicle the car smelled like wet dog. I searched the vehicle and realized their was dog hair all on the carpets and I even found a dog treat in the visor of the vehicle. I then inspected the outside of the vehicle and realized the passenger rear door on the drivers side was missing a handle trim and the rear bumper was cracked. At this point I was infuriated with not just the dealership but with myself as well for being so distracted with the numbers of the deal and forgetting to inspect the actual product being purchased. I contacted the dealership and attempted to get a service appointment many times. My final attempt was in person where I was able to make an appointment with the finance manager for a later day in the week. The manager advised me to contact the bank to complete my welcome call. I advised her I would after the service appointment. Later that day I received a call from the bank advising me to complete the confirmation/welcome call in order to complete the process of financing. After retrieving more information from them they advised me if I didn't complete the call with them the vehicle would not be financed. The next day I decided to make an attempt to return the vehicle. When I arrived and disclosed my position I was informed that I could not return the vehicle. I then contacted the bank and advised them of my unsatisfactory level with the product that was attempting to be purchased by them. The bank stated that if the vehicle was mechanically/cosmetically faulty and I was not satisfied with the vehicle then they would not finance it. I thanked them and returned to the dealership advising them of mines and the banks position. I handed the finance manager the keys and requested my down payment back. The manager and the salesperson attempted to sell me another vehicle but I advised I just wanted my down payment back in full. The finance manager stated she would contact XXXX XXXX and request the refund be returned. It has been a week and I have been unable to reach the finance manager or the position of my refund and instead I am getting a run around. I am afraid that the dealership will attempt to illegally keep my down payment or attempt to make illegal deductions/itemizations.
10/21/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	WA XXXXX	Web	Servicemember
Exeter Finance Corp XXXX XXXX XXXX XXXX, TX XXXX XXXX : Account No. XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTIONS 616 & 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act 1 ) Violation of the Fair Credit Reporting Act 2 ) Violation of the Fair Debt Collection Practices Act 3 ) Defamation of credit 4 ) Negligence 5 ) Loss of opportunity 6 ) Intentional Infliction of Emotional Distress Exeter Finance Corp, Case 1 Your firm has failed to send the legally required validation of this debt per Section 623. I have received the documents you sent dated XX/XX/2016 and your response was : " During our investigation, we determined that the information we reported to the credit reporting agency was accurate, and is reflecting accurately on your credit report based on our records '' When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed account. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life. I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, XXXX, and XXXX ). The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. Case XXXX In the state of Washington, there are proper procedures and notices that must be done before during and after a repossession. Let me remain you of : XXXX v. Exeter Finance Corp. I sent you certified mail, a letter dated XX/XX/2016 in regards to Washington State Repossessions Laws : Summary of the letter sent " Acct # XXXX Make- XXXX XXXX XXXX To Whom It May Concern ; I am writing in regard to the above referenced accounts and transactions. This is not a refusal to pay, but a notice that this account is disputed. This vehicle was repossessed by Exeter Finance Corps in the State of Washington on or around XX/XX/2016. Under the laws of the State of Washington UCC 9.506 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting.
05/26/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	VA XXXXX	Web
I had a sub prime auto loan with Exeter. Due to three financial hardship of COVID paying the loan monthly was not feasible while on unemployment. I applied and received 2 deferments. I asked for help before falling behind to no avail. In XX/XX/XXXX I was caught up but unemployment ended so I asked for a extension or deferment. I want told I received it until XXXX. The month of XXXX an XXXX after after to the end of the loan but Exeter reported that I didn't pay added late fees and posted deragorty comments at all three credit bureaus. In the meantime even when I paid I was still reported as 30 to 60 days late and all the money went to interest so the loan balance increased. Sometimes when I paid they reported I did not pay. I totalled my car in XX/XX/XXXX and that's when it got bad. They changed my payment history making it look like I hadn't paid since XXXX when I have receipts for payment in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. But credit reports were changed to be 150 days late. I had insurance and gap insurance. Exeter told XXXX an inaccurate pay off amount claimed the late payments were separate, but the late payments were from months I had paid. I received several actually more than several late fee waivers during XXXX and when they reported I paid it was always for my payment amount with no late fee because the late fee was waived. After I totalled the car Exeter harassed and threatened me they reverted all the late payments they had waived during covid. When I called they were nothing but insulting demanding and nasty. They are a money grubbing and unscrupulous company. I disputed with the credit bureaus and things got worse. Exeter claimed it took 30 days for things to appear on my credit but after I disputed they reported a second identical account to XXXX so I now had 2 auto loans in default with negative deragorty comments. They didn't report all of the insurance payment and said it was a charge off left a balance for the remainder of the insurance payment and late fees and closed the account while still calling daily harassing me. Every time I did something at the credit bureau to fix my credit they can't back at me the next day 2 fold increasing the negative imprint they were leaving on my credit. They actually changed the credit reports removing payments and claimed major deliquency and high credit limit. They did anything and everything they could and still called. They never told me my account was closed it's actually still open online with a future payment date for the balance due. Do not ever use EXETER FINANCE. It will be nothing more than an excruciatingly painful relationship. The cares act even helped people with financial strain providing relief from credit bureau reporting if they received an extension deferment but Exeter still reported me. At this point in time XXXX had removed both instances of the loan deleted it from my dad l credit file and put a freeze on Exeter from updating my file. That took a month wish me luck with the other 2 bureaus I keep trying and trying but what they have done is so outrageous it's hard to believe so I keep searching for proof which I find. I simply need to get this nightmare corrected so I can get another car. I never thought this would happen I was confident everything works be fine. I was fully insured with gap insurance and the car is when it was worth more now than when I bought it by over {$500.00}. Exeter never even showed concern because I was hurt in the accident they just wanted money monthly from me for the rest of my life I suppose because it's been a battle to end this relationship with them. Like a psychi ex girlfriend they just went leave me alone. Please start away from them
08/21/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with additional add-on products or services purchased with the loan	TX 76021	Web	Older American
On XX/XX/XXXX I went to XXXX XXXX XXXX in XXXX XXXX XXXX, XXXX looking for a used vehicle. When I went into the Finance Dept to see the XXXX XXXXr, XXXX XXXX to go over my loan details. I asked about a GAP insurance, since I always purchase this with used cars, XXXX XXXX told me I did not need GAP insurance but in order to get the loan I had to buy the extended warranty which was {$240.00} due to my crediting score. XXXX XXXX did not ask me if I needed any other add on insurance, which he took it upon himself to check " NO ''. He had the contract up on his computer screen and ask that I sign on a pad to finalize the loan. He informed me about the extended warranty which was {$240.00} and I signed on the pad. He gave me a vehicle protection plan pamphlet and that was the information for the warranty. He then printed up some paperwork and handed them to me. I had already been telling the use car manager, XXXX XXXX that I did not believe my vehicle had been inspected as required by law, where I told him of all the red flags I had been coming across but he said it was which I continue to tell him this but ignored or change the conversation. On XX/XX/XXXX I went to get the pamphlet, which I thought was my policy for the extended warranty because my car was not riding the way it should be but rough. As I took out the pamphlet I realized that's all it was a pamphlet advertising the protection plan to purchase. I looked though the other paperwork given to me by XXXX XXXX and found no policy. Looking through my breakdown of finance charges I realized there was a {$240.00} charge but labeled " vehicle care protection '' which I did not know what this meant and I also did see above that another charge for {$1500.00} for " vehicle Protection Plan. '' I became upset cause again I felt this dealership had taken advantage of me, woman, XXXX, XXXX XXXX, on fix income with XXXX grandkids to support and under stress due to the fact I had just been in a total loss accident not my fault totaling my previous vehicle and need a vehicle to work and care for them. I texted XXXX XXXX to tell him I needed to talk to him on XXXX first thing on XXXX due to what I had just discovered. I went to XXXX XXXX and spoke to XXXX XXXX and he told me I had to talk to the Finance Director, XXXX. XXXX came over and I told him what I had just discovered on what I had been sold and the ammounts which had been presented to me as only car extended warranty at {$240.00}. XXXX explained what the vehicle care protection was and I told him I was NEVER told about this and not interested nor given any paperwork on the extended warranty and I need to have my car checked. XXXX tried to convince me why I needed the car maintenance which consist of 3 oil changes and XXXX was his top performer. I told XXXX I had already done 2 full synthetic oil changes out of my own pocket cause I did not ask for this protection. XXXX went and printed me out the paper for the oil change and told me I could get the next 3 oil changes there, I told him I did not want this cause I did not trust this dealership and wanted nothing to do with them. Yet, XXXX NEVER provided me with any policy or papers for the extended warranty which he knew I needed. XXXX got upset cause I was telling him I had gotten cheated and XXXX by them and went to his office. I did ask XXXX XXXX I wanted the {$240.00} back cause I had never asked or been informed of oil changes only extended warranty which was {$240.00} yet I was charged {$1500.00}. I have never heard back from non these people nor corporate where I have been trying to get help from but they have ignored me. I believe I was " FORCED ', mislead and mispresented the item forced on me.
12/10/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	NY 11372	Web
XXXX XXXX XXXX XXXX color and not leather interior. Recently last XXXX the XXXX I went to a XXXX more dealer asking for a vehicle and I did select a wonderful and very good vehicle. However, I did n't appreciate it with the necessary numbers about the risky negotiation that I was doing and in fact I did signed. The expectation was to bring this vehicle into a productive base with an specialized firm in a people transportation. That company suggested to me to visit this dealer and they will benefit me with a financial help and because many other doors were closed here and there, I got extremely happy and this is the numeric critical situation. {$45.00} in a credit to be paid in full during the next 4 years. {$1300.00} monthly payment to the car. I started to produce with the company which offered incomes with the vehicle. XXXX big mistakes I did promote buying this vehicle : A. ) To expensive for the purpose in where the vehicle qualifies. Or, a wrong vehicle to be qualified for a better incomes. B. ) The company for which the car is being doing a passenger pick up in a clear average paid for this vehicle the same amount that pays for a conventional not older than XXXX sedan, does n't matter the brand or the color. Asking for your collaboration : A credit is signed and running with Exeter financial account number : XXXX Incomes produced by this vehicle : {$1.00} start and {$.00} by the mile plus {$.00} per the minute. Making a new deal which I had to did before to get a vehicle now I 'm in the process to reach and hold a TLC driver license and license plates and insurance that will takes more than 60 days to be effective if lucky. But also, the vehicle will stays outside of the appropriate ran. ge to produce the expected incomes average, because the color and interior materials do n't matches with the regulations for the convenience of the new license and plates. What I 'm asking to your office? -To speak with the money provider ( Exeter XXXX to extend the credit to more than the 4 years now signed. Hopefully 7 years, In order to lower the monthly amount. Or and preferable, To transform the buying contract that I signed for a lease contract which will benefit me lowering the monthly cost and making possible to paid the vehicle without the actual risk to lost it. To ask to the dealer to replace the vehicle for some similar value and usage, even in a different brand from the same cars factory which can be a XXXX or XXXX with the appropriate characteristics of color and interior finish to complete with regulations for the for hire passengers industry in XXXX however must be same price to cover the Bank or Exeter financial institution with the real value of the title possession. I can not imagine how could be the future if I do not take any action right away. The worst scenario will be to lost the vehicle for the Bank Exeter reposition and to keep paying the difference remaining from a deal they will make with the now used or second hand vehicle with XXXX miles now it have. It will to stay paying about {$15.00} for the next 4 years without vehicle and incomes from the benefit of it. So, your help is extremely important for the mistake I did due to my own ignorance about small rules which are the main, means basically they wrong selection of vehicle that I did made because, size, color and interior color for the next step as a TLC NY vehicle where the XXXX do n't qualify for black car service and the incomes will never compensate this wrong effort that I did took for my family and myself. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. CEO XXXX XXXX XXXX. XXXX XXXX. NY XXXX XXXX XXXX XXXX XXXX XXXX
09/07/2022	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	FL 33313	Web
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 1635 - Right of rescission as to certain transactions Be advised that this is a refusal to pay, but a notice sent pursuant to Sec. 809 ( b ) of the Fair Debt Collection Practices Act that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : * The basis of the alleged debt or, in other words, what the money you say I owe is for ; * An explanation as to how you mathematically calculated what you say I owe ; * Copies of any papers that show I agreed to pay what you say I owe ; * A certified copy of any judgment if applicable; * The name and address of the original creditor : * Proof that the Statute of Limitations has not expired on this account; * Sufficient evidence that you are licensed to collect in my state ; and * Your license numbers and the name and address of your Registered Agent. Please be advised that if your offices have reported any incorrect information to any of the three major Credit Bureau 's ( XXXX, XXXX or XXXX ), such an action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports as a result of your company 's actions, I will not hesitate in bringing legal action against you for the following : * Violation of the Fair Credit Reporting Act; * Violation of the Fair Debt Collection Practices Act : and/or * Defamation of Character ; If your offices are unable to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel as to when suit may be filed. This includes the giving of any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no proof provided that it is. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be DELETED and completely removed from my credit file and a copy of such deletion request must be sent to me immediately. I also am requesting that no telephone contact be made by your offices with my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by the United States Postal Service. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, and any information obtained shall be used for that purpose. EXEITER FINANCES Has violated my right 15 U.S.C 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 Also state s consumer reporting agency can not furnish a account without my written authorization. ACCOUNT WAS NEVER LATE AND WAS PAID IN FULL AS AGREED
02/23/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TX 79705	Web	Servicemember
AUTO DEALER FRAUD I went into XXXX XXXX / XXXX XXXX, TX on XX/XX/XXXX to purchase a XXXX XXXX XXXX that had 2300 miles when I picked it up. My wife and I spent the half a day there doing paperwork and getting the dealer to finance. We left with a retail sales contract and conditional sales agreement after ... they took our {$10000.00} down payment. We had supposedly received a loan through Exeter Finance which we had a loan number and account set up with the institution. A couple day later the salesman called and said " We lowered your payments! Come back and re-sign! ". I told him I wasn't interested in a " better deal '' I will just stick with the deal I signed when I purchased the vehicle. Another week or so went by and XXXX XXXX from the dealer finance department called and said they would now need XXXX 's for the deal that we supposedly already had. I specifically asked her and the sales manager if there was an issue with the original loan and was told there " was not ''. Although highly suspicious and reluctant I went to the dealership to deliver the requested additional information. Approximately another week goes by and then a request for 3 months of banking statements were now needed. My suspicions grew further yet I took the time to redact personal information and purchase dollar amounts form the bank statement leaving the information the bank and the dealership would need to see specifically deposits. After almost 7 weeks XXXX XXXX now says the deal was never funded and I could either find my own financing or pay for the vehicle cash. I explained in either case I would not pay the fees they tacked on to the deal for everyone to make their commission if I had to do all the work. I offered to pay for the vehicle minus the fees. I never heard back for a four days until without warning the dealership repossessed the vehicle on XX/XX/XXXX and has kept my {$10000.00} down payment. The company they hired to repossess the vehicle refused to show any proper paperwork to repossess or wait for the police to arrive as asked. Instead he put his machine down on my XXXX, XXXX a XXXX, and continued to back the tow truck up which would have XXXX my XXXX had I not moved it at the last minute. I am a XXXX veteran and one of my XXXX is in my XXXX XXXX that was attempted to be run over by the tow truck driver. The operator breached the peace to come on my property and take the vehicle without providing any paperwork andwhile assaulting me and causing bodily harm. If you read the XXXX reviews for the dealership this is how they do business you will see no less than 10 reviews of scams the dealership has pulled.They do not respond to XXXX complaints and or live up to agreements with government entities. Deceptive trade practices are the only thing being dealt at XXXX XXXX / XXXX XXXX dealership. It is so egregious it should be criminally investigated by the proper authorities to protect consumers. XXXX XXXX and XXXX XXXX feel they can rewrite Texas and Federal law to benefit them and the dealership. I was told they would return {$9200.00} of my down payment, 64 days later and no response or attempt to contact me, and I should get a lawyer to get my money back because they already have one. This shows the intent to defraud consumers out of down payments from yo-yo financing and " We got you a better deal come resign '' scams if they immediately lawyer up to force customers to sue for their money. It has been over 64 days and I have not received a phone call to pick up my {$10000.00} down payment. There were important documents, personal belongings and cash in the vehicle and the dealership will not or has not returned any of it.
04/18/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease High-pressure sales tactics	FL 328XX	Web
My complaint is because XXXX XXXX XXXX and Exeter Finance sold me an unsafe car with the warning error sign on the dashboard and the car sometimes switch from automatic to manual transmission by itself and would get slower and lock up the car while I'm driving in traffic ... the sale man and mechanic said to buy a new battery... .and I did, but it doesn't work well. I feel like the car is unsafe. THEY SAY THAT EVERY CAR IS SENT THROUGH A CHAIN LINE INSPECTION and 100 % APPROVED BEFORE BEING PUT IN THE CAR LOT FOR PURCHASING, SO IF THIS IS TRUE, WHY WAS I SOLD A CAR WITH THE WARNING SIGN ON THE DASHBOARD AND THE AC UNIT TO BE FIXED, THESE PROBLEMS SHOULD HAVE ALREADY BEEN IDENTIFIED AND FULLY ADDRESSED BEFORE BEING PUT OUT ON THE LOT TO BE SOLD ), which shows it didn't meet the standards to be sold in the first place. On XX/XX/2022 I financed a car from XXXX XXXX XXXX, WHICH I HAD TO PAY {$2000.00} dollars UPFRONT, by law it say if I get a loan from a financing company that I don't have to put any money as a down payment, and which XXXX XXXX made me pay a down payment of {$2000.00} dollars... The salesman sent me to the back of the shop for the mechanic to fix the warning sign on the dashboard, after 5 hours, he could not get it fixed... the mechanic then went into the dealership and told the sales man something ... ..the sale man then came outside and told me that the ac doesn't work. And he will get it fixed... .I said yes for sure do it ... ... the mechanic took the car back to the shop and bought it back and gave the keys to the salesman, ( So the salesman came in back inside the dealership with the final sale papers and said, it's fixed, so I put my signature on the paper ), We then walked out to the car, then the salesman told me he doesn't have the original keys to the car So he got one made ... .I said ok ... .he then started up the engine... ..when he did the warning error sign was still there... ..and I already signed the final sale papers.. the salesman told me to come to get it fixed on two occasions and it was never fixed, I just got the run around. I tried to negotiate with the General Manager but he was very rude and confrontational, and I didn't get a chance to explain why I thought I deserved to have another car, ( THE GENERAL MANAGER TOLD ME THAT I HAVE A WARRANTY AND, WHY DO I NOT USE IT ) ..but why should I use it when this company says ( THAT IS PUTS ALL ITS CARS IN A CHAIN LINE INSPECTION WHERE THEY ARE FULLY INSPECTED AND 100 % FULLY FUNCTIONAL BEFORE IT'S PUT OUT ON THE LOT TO BE SOLD. ) ( XXXX XXXX WANTS ME TOO TO COME IN AND TRADE THE CAR IN, NOT FOR ANOTHER ONE BUT TO SEE IF ANOTHER LENDING COMPANY WILL GIVE ME ANOTHER LOAN, ONLY TO ADD IT ON TO THE EXISTING LOAN I ALREADY HAVE WITH EXETER FINANCE, I REFUSED TO DO SO, BECAUSE IT DOESN'T HELP ME AND THAT ONLY ADDS MORE MONEY UNTO THE LOAN THAT I ALREADY OWE. ) I have a complaint in their system... .. Now this is about Exeter Finance ... ( IN THE STATE OF FLORIDA , BUY LAW IT SAYS THAT THE MAXIMUM APR THAT A LENDER CAN CHARGE ME IS 18 % AND EXETER FINANCE IS CHARGING ME 23.44 % APR ... .. AND {$14.00} INTEREST PER DAY ... AND I'M PAYING {$590.00} PER MONTH ), Please help me, you guys are my last hope, I don't know what to do as my head is under water with these payments I can't seem to start paying the principal as every month I keep getting into more debt with Exeter Finance and my payment are only going towards interest, I owe more money now, more than the actual loan given to me by Exeter Finance , which is ( {$2300.00} ), because of very high interest rates. please help me I don't know what to do next, I need help.
11/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30340	Web	Servicemember
I XXXX XXXX : I hereby submit a formal complaint against XXXX AND XXXX SERVICES FOR discrimination, retaliation, bank fraud, wire fraud, and violations of the XXXX Act, infringing upon my rights under the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), and other pertinent federal laws. III. Active Complaints with FBI, FTC, and CFPB : This grievance is not isolated. The FBI, FTC, and CFPB have active complaints regarding similar issues with XXXX AND XXXX highlighting a pattern of potentially illegal practices by the company. IV. Allegations of Bank Fraud, Wire Fraud, and XXXX Violations : Bank Fraud : I have reasons to believe that XXXX AND XXXX has knowingly engaged in deceptive practices to defraud banks or other financial institutions, which is a violation of 18 U.S.C. 1344. Wire Fraud : XXXX AND XXXX is suspected of using interstate wire communications to defraud consumers, violating 18 U.S.C. 1343. Their actions have not only harmed my financial standing but have also illegally profited by using deceptive practices. XXXX Violations : XXXX AND XXXX actions suggest a pattern of racketeering activity. By accepting financial incentives for reporting, they may be in violation of the Racketeer XXXX and Corrupt Organizations ( XXXX ) Act, specifically 18 U.S.C. 1961-1968. V. Discrimination : XXXX AND XXXX has not only failed to unlock my CONSUMER report despite numerous requests but also appears to be discriminating against me based on my race, violating the ECOA. VI. Retaliation : Their refusal to address previous complaints and unlock my CONSUMER report seems retaliatory for filing federal complaints, violating principles of fairness and justice. VII. Discrepancies with Other Credit Bureaus : Other credit bureaus, namely XXXX AND XXXX, have adhered to federal laws by deleting inaccurate information from my credit reports. XXXX AND XXXX refusal to do the same raises serious concerns about their practices. VIII. Legal Action : If these issues remain unaddressed, I intend to escalate this matter legally, seeking remedies for the harm inflicted upon me due to racial discrimination, bank fraud, wire fraud, and XXXX violations. IX. Conclusion : I urge the CFPB and DOJ to investigate these serious allegations against XXXX AND XXXX. Their practices have caused significant harm and warrant thorough examination and intervention by your esteemed agencies. I anticipate your prompt attention to this grave matter. I CANT BUY A HOUSE IM NOW HOMELESS BECAUSE I CANT experience BUYING A HOUSE FOR MY KIDS BECAUSE XXXX AND XXXX MISLEAD OTHER creditors LOOKING AT ME negatively EVERYTIME I TRY TO APPLY FOR A HOUSE OR A ACCOUNT THEY TELL ME NEGATIVE ACCOUNTS THAT ARE NOT MINES Find attached an FTC identity theft REPORT as proof I give you 4 working days to resolve this issue as this account status is defaming my character and I have lost a lot of business relationship and ability to business with creditors. Because of this defamation of character, I have suffered emotional and financial damages for years and you have also stolen from me. This is the first time I am speaking in years of suffering and pain as a victim of identity theft. You have 4 working days. Kindly take this seriously. Regards XXXX XXXX because how is XXXX and XXXX verfiying this is accuarte on my credit report they saying this address XXXX XXXX XXXX XXXX, XXXX is how they are verfiying it this is not my adress clearly this is a fraudulent adresss that i never live at please block and remove off my credit report.
03/14/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	PA 19139	Web
I am having an issue with my vehicle that I purchased in XXXX from XXXX XXXX XXXX, it is a XXXX XXXX XXXX XXXX. It has been at the dealership since XX/XX/XXXX. The check engine light has come on a total of 5 different times, starting immediately after I purchased the vehicle. I found out today that each time they entered it in their history they altered the reasoning for fraudulent frivolous reasons. For example, a loose gas cap which if this had been the case the light would have gone out on its own which DID NOT HAPPEN. Another time when the check engine light was on it was in their system as the being corrected by replacing the gas cap. The next time ( XX/XX/XXXX ) I was there I came because after my inspection I was told that I had a small oil leak that I needed to get fixed before it became a bigger issue. XXXX XXXX kept my vehicle for two days returned it, charged me & XXXX and told me there was no leak. Today ( XXXX XXXX ) they tell me that they found the very same leak after I now tell them that I smell something burning under my hood! They allowed me to drive around with oil leaking from my vehicle for over a year! And charged me twice for the same thing! Back to the check engine light now it comes back on again in XXXX and on the XXXX of XXXX they tell me that it was temperature gauge that they had to replace. There was a clicking under my dashboard which was supposed to be repaired on the same trip in XXXX. It remains unclear why it was NOT repaired but it was not done. Also that day while I was at the dealership on XXXX XXXX they tell me that they found the very same leak after I now tell them that I smelling something burning under my hood for over a year! They allowed me to drive around with oil leaking from my vehicle for over a year! And charged me twice for the same thing! Back to the check engine light now it comes back on again in XXXX and on the XXXX of XXXX they tell me that it was temperature gauge that they had to replace. Its still not repaired! I was even told to allow the finance company to repossess the vehicle and just buy another since it was not possible to get approval for another car using this vehicle as a trade in due to the negative equity. Which indicates that they recognize that this vehicle has major issues and they know that they need to get it back. They are just not willing to do so the correct way, because that means scraping the title or losing the cost. It is completely unfair that not only am I financing a vehicle that I am driving with constant mechanical problems and paying different deductibles each time I visit the service department, but then when I leave my vehicle is still not repaired. This entire time I am in contact with the finance company Exeter Finance informing them of everything that is going on. They did put two payments on the back end of my contract. But they are also charging me late fees equivalent to the same amount of my car payment! My car payment is {$740.00} ( 2 ) missed payments = {$1400.00}, they are saying that I now owe them over {$3000.00}!!! Because of late fees but no one will explain how these fees are calculated, no one understands that this vehicle is in disrepair ( although they have the complete documentation ). All they have told me to do is report the situation to my insurance company, because they are my finance company and theres nothing they can do. Therefore I am requesting that you step in and help me with this matter.
07/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37086	Web
I have or have reported this situation to XXXX, XXXX and XXXX and have submitted a dispute request and/or fraud report. I informed him but unfortunately they denied me more than 4 times. I do not understand why they have not wanted to help me even by sending documents from the Courts. Accounts and Collection : 1. XXXX 2. EXETER FINANCE XXXX XXXX. XXXX XXXX XXXX PAST DUE : {$120.00} ACCOUNT # XXXX 4. XXXX XXXX XXXX ACCOUNT # XXXX 5.XXXX XXXX Original creditor : XXXX ACCOUNT # XXXX 6. XXXX XXXX XXXX XXXXI ACCOUNT # XXXX This is inquiries is never authorize : XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : XXXX and XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : XXXX and XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Miscellaneous and public record po box XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Automotive XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX and XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX and XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX and XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Miscellaneous and public record XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance other than personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX, personal XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX Business Type : XXXX and XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX and XXXX & XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX
09/27/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	MD 20774	Web
I have been sending letters to Exeter about some contract questions I had, and requested that they respond and send documents answering those questions. They sent an invoice of all of the payments that I have made thus far, along with statements. However they did not provide any documents that I specifically requested, nor did they follow up with me like I asked. Today, XXXX XXXX, 2022, my vehicle was repossessed. I called Exeter and spoke with a representative to discuss this matter, and get the location of the vehicle. The first representative could not help me, so I was transferred to another. The second representative tells me that my letters were never received by Exeter even though an invoice was sent to me after my letter was sent. This invoice is dated XXXX/XXXX/2022, and my first letter was sent on XXXX XXXX, 2022. In the contract, there is a section that clearly states that I give security interest in the vehicle and that the security interest I give secures all amounts owed by me under the contract. I was explaining that to the representative and she put me on hold to reach out to her manager. She came back and told me that the security interest section means that Exeter can take " whatever means necessary to impound the car. '' I then proceeded to tell her that I understood but it still says my security interest secured all amounts owed by me so that didn't make any sense. She tells me that that's what her manager is telling her. She advises me to get a lawyer and have them reach out to Exeter. I then asked her for a manager, supervisor, or attorney 's number and/or email, but instead she provided Exeter 's customer service email ( XXXX ). She tells me that I or a lawyer/attorney can send over my documents to that email and someone will look into it. I also mentioned that the contract can't be enforceable because I purchased a vehicle from XXXX but a representative of XXXX signed the Contract. That's like XXXX and XXXX going into business with each other, and XXXX signing the Contract on XXXX 's behalf. Before the call ended, I asked her is anyone going to respond to the email because from my experience, I never get an answer. She tells me that someone may or may not respond, and it just depends on the situation. That is totally unacceptable. She also suggested that I can use the Live Chat. So I tried the Live Chat and got a message saying that it was unavailable for me. So I went ahead and sent all of my documents to the email she provided and I get a message stating that my message has been blocked. How can I send over documents if my messages are being blocked? Why are my messages being blocked in the first place? So Exeter has violated my rights and refuse to help in any way, shape, or form. They have unlawfully repossessed my vehicle without any explanation as to how this is even a loan when I filled out a credit application and not a loan application. Pursuant to the FDCPA ( 15 USC 1692e ( 4 ) ), the representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person.That is considered false and deceptive. What is the point of a contract if Exeter is not holding up their side of the bargain? I can not exercise my rights because Exeter refuses to provide any documentation and they " may or may not '' respond to emails or inquires.
03/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	FL 32404	Web
Im writing a new complaint because per FCRA I have the right to fair and accurate reporting of my credit information. I will seek legal counsel if this is not resolved. I am more than patient as Exeter finance plays with my credit report. Exeter finance placed a charge off on my account across all XXXX major credit bureaus on XXXX XXXX. My car was totaled out in XX/XX/2020 and I contacted Exeter finance about the incident also in XX/XX/2020. I stated that my insurance was on top of things and they would be sending payment to pay off my car since it was total loss. XXXX paid Exeter finance {$8000.00} on XXXX XXXX. I have enclosed the proof. This is third time I have provided proof. This was paid well before Exeter finance charges my account off. It should have never been charged off. There was a small balance left on my account which I called Exeter finance again to tell them that gap would cover the rest of the car. Charge off means a creditor believes they will never receive payment. Exeter finance knew good and well that they had received {$8000.00} in XXXX and that gap was paying the rest of the car off which they did. Not only is this charge off bogus exter finance is reporting inaccurately across all three credit bereaus. I will also enclose this new evidence. Exeter finance has XXXX negative potentially months on XXXX credit report and XXXX negative potentially months on the other XXXX credit reports. On XXXX of my credit reports a few months show green and paid on time while on another credit reports it shows 30 days late. I really dont want this investigated again I want it REMOVED! They have been playing with my credit report and moving positive/negative months for over a year now. They are seriously affecting my credit report and not being fair per fcra and I cant even purchase a home due to this charge off causing my score to be so low. XXXX has been paid this off in XX/XX/2020. There is no reason why I should have to continue fighting exter finance. XXXX finance also has changed my charge off month several times and my credit continues to suffer. On XXXX of my credit reports the charge off month is XX/XX/2020. Another report the charge off is XX/XX/2020. While on another the charge off is XX/XX/2020. Why should I have to suffer for this for 7 years when it was never a charge off. FCrA guidelines states if a creditor reports inaccurately the charge off has the DELETED when a creditor reports incorrect data. They have violated FCRA guidelines and Exeter knows this. In the beginning I was since I didnt pay out of pocket is the reason for the charge off. Its not my fault that my insurance company sent the {$8000.00} payment directly to them. On XXXX XXXX ( before the charge off ) after I spoke to a representative they even removed the late fee that was applied in XXXX XXXX after I called and told them my insurance was paying the car off. I have suffered fighting exter finance long enough and I honestly dont understand the reason. Also on XXXX credit reports Exeter reported a XXXX balance on XXXX XXXX when they charged the account off. however on another credit report exter finance reported a balance of {$930.00} on XX/XX/2020 when they charged it off. I also have enclosed this proof. If Exeter finance doesnt remove this charge off completely off of my credit report I will seek legal counsel for their Fcra violations to recover damages for reckless reporting.
12/07/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 33034	Web
I furnished a Billing Error Notice to EXETER FINANCE LLC on XX/XX/XXXX sent it via certified mail to the amount of XXXX and was delivered on XX/XX/XXXX. On XX/XX/XXXX EXETER FINANCE LLC had my vehicle repossessed without providing any resolution to the billing error notice that was received in XX/XX/XXXX. This goes against the Truth In Lending Act ( TILA ) According to 12 CFR part 1026.13 ( d ) ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date. As well as 12 CFR part 1026.13 ( d ) ( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section. EXETER FINANCE LLC also failed to provide resolution via mail in proving or disproving the disputes with evidence required as per 12 CFR 1026.13 ( e ) Procedures if billing error occurred as asserted. If a creditor determines that a billing error occurred as asserted, it shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer. As well as, 12 CFR 1026.13 ( f ) ( 1 ) Mail or deliver to the consumer an explanation that sets forth the reasons for the creditor 's belief that the billing error alleged by the consumer is incorrect in whole or in part ; ( 2 ) Furnish copies of documentary evidence of the consumer 's indebtedness, if the consumer so requests ; and ( 3 ) If a different billing error occurred, correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable. In repossessing my vehicle without resolution EXETER FINANCE LLC has not operated in good faith and has not complied with any of the requirements and is now subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ). I contacted EXETER FINANCE LLC via phone call on XX/XX/XXXX spoke to two managers to resolve and resolution was again refused. EXETER FINANCE LLC also continued to charge me late fees as well as contact me attempting to collect a debt even after receiving the Billing Error Notice. Attached I have provided the last three statements I received from EXETER FINANCE LLC showing the late charges incurred and no resolution. I am also attaching the Billing Error Notice in question as well as the return receipt confirming it's delivery on XX/XX/XXXX.
12/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	TX XXXXX	Web
The company inaccurately reported a 30 past due on my credit report. I made a payment in the amount of {$470.00} ( which was the remaining balance showing at the time of the payment ) on XX/XX/2019 to pay off my vehicle loan. On XX/XX/2019 a charge of {$10.00} was posted to my account. I called Exeter and spoke with an agent named XXXX, who informed me that the charge was from accrued interest. I offered to make the payment over the phone, but the agent stated that since it was a small amount, they she have the payment waived, and the account would be paid in full and my credit reporting would be in good standing. On XX/XX/2019, I received an alert from the credit bureaus stating that my credit report was 30 days past due in the amount of {$10.00} from Exeter Finance. I called Exeter and was told by an agent that the notes were in the system from XX/XX/XXXX, but the payment wasn't taken care of and they would make sure it was handled, and 30 day late payment would be removed. On XX/XX/2019, I received a credit alert that the account was paid off ; however, the 30 day late payment wasn't removed, and it was told to me by the previous agent it would be. I called Exeter to dispute the 30 day late payment, due to the conversation I had with the agent on XX/XX/XXXX and XX/XX/XXXX, since it was an error on their end. According to Exeter, I am held accountable for the late payment on my credit report because the payment wasn't made by XX/XX/2019. I called Exeter on XX/XX/2019 and was informed by a collections manager that because the {$10.00} payment wasn't made by XXXX XXXX it was reported as past due. But, they also stated that they did see in the notes where it was requested to be waived on XX/XX/2019, but unfortunately it was nothing they could do because they done all they could do on their end. I have requested more than once to have the calls and notes reviewed from XX/XX/2019 and XX/XX/2019 to prove I was told the account would be paid in full and my credit would not be affected. If I made a {$470.00} payment to pay the account off, it makes no sense purposely leave {$10.00} remaining, when I have never been reported late on my credit report. It made no sense for the company to waive a {$10.00} fee, but leave the 30 late payment on my account, when I was specifically told this would not affect my credit. This situation could have been handled on XX/XX/2019 when I insisted to make the payment and close the account, but the agent stated it would be waived and taken care of. I do not believe this company did a thorough and fair investigation of the situation. On XX/XX/2019, I asked if I could get a copy of the notes from the calls since they are recorded, the agent told me they would need to be subpoenaed to do so. This company 's customer service is ridiculous and I would not recommend anyone to do business with them because they do not thoroughly do their job. I have attached a copy of the payment history that was sent to me by email on XX/XX/2019 because I requested to have a full payment history from the agent, XXXX on XX/XX/2019 when I spoke with her. On the payment history, prior to XX/XX/XXXX payment. It states the remaining balance was {$470.00} and that payment was made. I also attached the generic letter that was mailed to me from Exeter finance, that did not include a thorough explanation.
06/28/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	TX 76013	Web
15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I as the consumer means I have the right to privacy. If I dont want nothing on my credit report nothing needs to be on my credit report because I have the right to privacy. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates **Didnt give any signed and notarized written report to any consumer reporting agency 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. adverse items - collection, repossession, charge off, which are not suppose to be on your credit report. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Exeter Finance LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can n ot furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
06/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32256	Web	Servicemember
To : Exeter Collections Department Fr : Disheartened Military Mom I wish this letter comes under better circumstances however, I am very disappointed with the handling of my account by your total loss department. I spend every day of my life serving my country and my family was totally devastated XXXX of last year when my car was totaled. Thankfully, my husband and I purchased gap insurance and thought everything was covered. Imagine my surprise when we finally get ready to buy our dream home a few short months later and I find out that I had a charge off on my account from your company that caused my credit score to drop over 100 points! Of course, it had to be a mistake because I had a perfect pay history with you guys up until the accident and my gap insurance covered the balance. I immediately called your collections department and was advised that there was somehow {$260.00} owed on the account and that it was charged off on my credit report it is just over {$400.00}. How can that be, and even if that was the case, how was I not ever notified of this prior to charging off my account and damaging my credit for such a small amount. As stated, I am in the military. Not only does this run the risk of putting my family with our brand new XXXX on the street, It also puts my career that I worked so hard for at risk due to the fact that my credit is apart of my XXXX XXXX and if it is not removed from my credit I can also loose my career, the way I serve my country and support my family. What is sad to me is that I am in and out for duty often and all you guys had all of my contact information and I have no record any missed calls or letters stating that there would be any adverse action taken. This is totally unacceptable. And now, thanks to you, I am 30 days from my lease being up, and about to lose the house and the career that we have worked so hard to get. This is unfair, deceptive, and ultimately abusive to handle your great customers like this!! A simple phone call to let me know would have gone along way! I already had to deal with losing my car and trying to figure out how to get back and forth to base and get my son to school and as if that wasnt enough, you guys just let the account sit and age and then charged me off with no consideration of what that would do to me or attempts to make it right. I have called several times to get assistance and everyone Ive talked to have been unhelpful and has flat out told me with no emotion that there is nothing they can do! All I asked is that this simply be removed from my credit history and for a letter saying that this in an oversight and has been taken care of and that mistakes happen. Which I can give to the VA to get get our home and also so I can keep my job. I hope this note gets in the right hands and someone can at least look at my history with your company and right this wrong. I would hate to have to look into getting an attorney for something that in my mind is an easy fix. Thank you for your consideration and hope to hear from you soon. Respectfully, XXXX XXXX If you have any questions my husband XXXX XXXX is authorized to speak on my behalf. Due to the fact that my schedule and availability are always changing. He can be reached at ( XXXX ) XXXX or ( XXXX ) XXXX Thank you in advance for your help!
04/10/2022	Yes	Vehicle loan or lease Lease	Getting a loan or lease Changes in terms mid-deal or after closing	TN 383XX	Web
I purchased a XXXX XXXX XXXX from XXXX ( XXXX Location in XXXXXXXX XXXX ) on XX/XX/XXXX. They approved me through a loan from Exeter Finance ( additional complaint to be filed on this company, as well ). The vehicle was financed at XXXX, with a {$2000.00} down payment bringing the total owed to Exeter to {$19000.00}. On XX/XX/XXXX the XXXX caught fire in the middle of the night and burned. It was deemed a total loss by insurance. ( I did have full coverage insurance ). I contacted the manager of XXXX at XXXX, explained the situation and asked what to do, as I was told I had a 30 day warranty in which the vehicle could be brought bavk if it had any problems, anything wrong with it, etc NO QUESTIONS ASKED AND I WOULD RECEIVE A FULL REFUND. He first stated ( and I do have these conversations in text messages ) to wait and see what insurance would do and we would go from there. He sated he would do anything he could to help and he assured me I would have another vehicle, stating it may not be another XXXX, but he would make sure I had a vehicle ( as he knows I am a single mother XXXX XXXX XXXX XXXX XXXX XXXX, struggling to make ends meet, and I do not have the best credit at this time. Once insurance did the appraisal I was notified the cash value of the vehicle and the only amount they would pay out was XXXX. Once, the XXXX $ deductible was taken out, Exeter finance would get a check in the amount of XXXX, leaving me roughly {$3000.00} in debt with this company. I notified the mnager of XXXX at which time he told me I should file a complaint with XXXX, as there was a recall on my car and see what they would do. I did do this. XXXX told me it would be a MINIMUM of 6 to 8 weeks before they could even look at the vehicle. At that point they would have to determine the fire was definitely due to the recall before they would do anything. Again, I notified the manager. At this time, my 30 days insurance covers me a rental car is up and I am paying out of pocket for a rental car that I really can not afford, having to have assistance from family. At this time, the manager told me he would have the salesman that sold me the XXXX to run a credit app to see what they could do. They called back and stated without a co-signer ( which I do not have ) they can't do anything. I feel XXXX should be held to some accountability for this, as I had the vehicle 12 days when it burned. That should've been covered under my 30 day warranty, being this was at no fault of my own. Also, after the manager ASSURING me he would do EVERYTHING he could to help, he did nothing and he certainly did not ensure that I had a vehicle to drive. At this current moment I am still driving a rental that I am paying for out of pocket. I do not have the money for a down payment, nor can I approved through traditional ( or any ) car dealerships due to my credit and no money for a down payment. Also, in the mean time being I kept XXXX the insurance offer, they did get it up to the amount to cover the cost of the vehicle but not extra for me to obtain another vehicle nor get my {$2000.00} down payment back ( This is where my complaint with Exeter Finance comes in that will be filing immeiately after I finish filing against XXXX XXXX location.
02/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IN 46235	Web
XX/XX/XXXX Exeter Finance XXXXXXXX XXXX XXXX XXXX, TX XXXX RE : Acct # : XXXX RE : To your Response on my CFPB Complaint XXXX & Direct Dispute. To Whom It May Concern : In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/XXXX ), 16 CFR 660.4, this Notice of Direct dispute includes the following : In the continuation of this, direct dispute with Exeter Finance. These issues will once again be address : Late Payments /On-Time payments : As noted in my direct dispute with you mailed and listed in the CFPB Complaint above, I asked to see Exeter Finances account statement not the personal account pertaining to this account. We need to see when the payments went into your account, how they went into your account etc, this information clearly requested. Without providing this information any late payments your provide to CRAs or whoever is unverifiable. The only legal way to prove if a payment was late or not will be to show the evidence requested. If you are unwilling to provide this documentation then I suggest you cease all reportings to the CRAs about payment history of this account. You provided an account statement but you failed to provide information about certain payments that were credited to the account, as requested in my previous direct dispute with you. According to your account statement, you added a waived fee, that does not count as a payment on account and by no means does it restart the DOFD in fact it is illegal for you to do so, which I know you know and yet you have reported this to the CRAs, as accurate. ( Please See attached Document Labeled Exeter XXXX ). Any payments listed after XXXX to this account I want to see verifiable proof of these payments, ie. Exeter Finances personal bank statement showing these payment, not Acct # XXXX account statement. Also, provide the payment method and who authorized these payments. I have my bank statements and I never used checks. Please provide this information requested. Notice of Default and Requirement of Strict Compliance : You realize under this account you have issued ( 5 ) notice of defaults and requirement of strict compliance ( Cure notices ) and out of the ( 5 ) notices ( which I have made copies of from the online account ). The following issues arise : - The payments you demanded under the notice of default were not made by the dates listed in each of the defaults - Your explanation of calculation of surplus or deficiency is illegal in the state of Indiana. Where are the payments made to the account on this form? You cant legally supply a deficiency balance without allocating the all payments made on this account towards the balance. You failed to provide requested information : o Please provide copies of this payment account number/name on account/authorization/payment method, as well, Exeter Finances own bank and transaction records to verify the validity of this payment. If payment method was money order/check please provide copy of check/ money order showing a signature and a tracking/account number name etc. I do believe this payment to be illegal and in violation. - Also, in the state of Indiana this repossession is considered wrongful.
12/20/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90230	Web
I am writing to dispute an incorrect Late Payment mark on my credit. I have been a customer of XXXX XXXX XXXX since XX/XX/XXXX and have had a good payment history up until XXXX of this year. I advised Exeter that there was a fire in the home above mine which spread to our home and ruined all of our belongings. As a result, my wife and our XXXX kids had to switch homes unexpectedly and due to the expenses, could not make our payment. I asked Exeter in XXXX if they could grant me an extension for 2 months so that I could make my next paymentXX/XX/XXXX. We started the extension process but I was told multiple times that they never received my e-mail and the extension never got fully approved until XX/XX/XXXX. At that point, the extension was granted to cover the payments for XX/XX/XXXX and XX/XX/XXXXmaking my next payment due XX/XX/XXXX. On XX/XX/XXXX I also made a payment to Exeter in the amount of {$570.00} to cover my XX/XX/XXXX 's payment. OnXX/XX/XXXX, after the Extension was approved my Exeter marked my credit 30 days late for the month of XXXX even though that is the month included in the approved extension. It is clear that this is an error on Exeter 's part however they have not resolved this issue since I brought it to their attention originally. Timeline of events :XX/XX/XXXX - first initial call to exeter requesting extension XX/XX/XXXX - extension documents sent XX/XX/XXXX - I sent extension documents back to XXXX department XX/XX/XXXX - I called exeter back because I had not received any confirmation of the extension being finalized and was told to send in the paperwork again. XX/XX/XXXX- called back again regarding extension paperwork and was told the initial request had expired and that I had to refile XX/XX/XXXX - I called back in to check on status of extension request and they advised again they had never received it and sent me a new document XX/XX/XXXX - I sent the document back via e-mail to the XXXX departmentXX/XX/XXXX - I called back to ask about extension request and was advised it was never received. I made a payment which I was told covered the month of XXXX. I was sent new E-sign documents to cover an extension for XXXX and XXXX. XX/XX/XXXX - I sent E-sign documents back XX/XX/XXXX - the extension was finalized and placed on my account to cover the months of XXXX and XXXX with next due date ofXX/XX/XXXX. Again, Exeter reported I was 30 days late to my credit onXX/XX/XXXX which is incorrect because I did have an extension in place. After all we have been through, we are now trying to apply for a house and this has severely affected my credit. I have dropped 120 points due to this mark from Exeter and I did everything in my power throughout these last 2 months to ensure that I had an extension filed and was in good relation with Exeter as a company. It was Exeter that failed to ensure the extension was placed in a timely manner and as a result, they incorrectly marked my account as delinquent 4 days after the actual extension was approved. It is of utmost importance that this late mark be removed to help my family qualify for a home and also to have accurate reporting according to the extension that I was approved for on several occasions.
06/14/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	MI XXXXX	Web
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX XX/XX/XXXX Exeter Finance RE : Requesting a Method of Verification Letter/Fraudulent loan practices Dear Sir/Ma'am : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. I am certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. I am very interested to learn how your investigators ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation. I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, sol need specific answers to the specific questions asked of you in this letter. I was also under the impression that such credit information could not be furnished without the consumer 's written authorization. 15 U.S. Code 1681s-2- I have not provided such authorization to Exeter or any other organization. For these reasons, I ask that this information be removed from my personal credit report. The loan provided through Exeter was forced on me by the XXXX dealership that I visited back in XXXX. I had recently filed bankruptcy and was not able to qualify for a traditional finance loan via my personal bank due to my credit at the time. Exeter was the only financial intuition that offered me financing. But at a price. This predatory lending has caused a financial hardship to myself and my family. Please discontinue reporting this FRADULENT account on my credit report. I will also be filing a complaint with the FTC and the Attorney General if this matter is not resolved expeditiously. Additionally, the GAP insurance refund was never applied to the balance of this contract. This can be viewed as fraudulent, since money that i paid was never applied to this reported outstanding balance of {$8900.00}. The GAP insurance premium was supposed to be refunded at a prorated amount. According to attachments included in this complaint and documentation provided by the creditor, no such evidence displays that this missing money being refunded or applied to any balance. This is FRAUD! I am not requesting an update to this account. I am strongly requesting deletion. I would also like to request proof of sale of the vehicle. No such information has been provided to me as proof of the sale and refunded amount applied to the balance. Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. Very Respectfully, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX
08/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60107	Web
Debt Collector, please supply the following information in entire detail : >Why you think I owe the debt, and to whom I owe it, including : >The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. >If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I potentially can know them, if that is different from the official name. In addition, tell me when the Current creditor obtained the debt and who the present creditor obtained it from. >Provide verification and documentation ( retail instalment contract etc. ) that there is a valid basis for claiming that I am required to pay the debt to the extant creditor. >If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, specifically : >A copy of the last billing statement sent to me by the original creditor. >If there have been any additional interest, fees, or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. >If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. >If there have been any other changes or adjustments since the last billing statement, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. >Have you decided that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Due Diligence and Rights to Collect : >If you fail to provide any of the info or documentation I have asked for, please say why. If you do not provide it, and do not adequately explain why, I will understand that you are unable to confirm or catalog your claims. >I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. >If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
05/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48210	Web
XXXX XXXX XXXX XXXX XXXX. XXXX, MI XXXX XX/XX/XXXX Exeter Finance RE : Requesting a Method of Verification Letter/Fraudulent loan practices Dear Sir/Ma'am : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. I am certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. I am very interested to learn how your investigators ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation. I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, sol need specific answers to the specific questions asked of you in this letter. I was also under the impression that such credit information could not be furnished without the consumer 's written authorization. 15 U.S. Code 1681s-2- I have not provided such authorization to Exeter or any other organization. For these reasons, I ask that this information be removed from my personal credit report. The loan provided through Exeter was forced on me by the XXXX XXXX that I visited back in XXXX. I had recently filed bankruptcy and was not able to qualify for a traditional finance loan via my personal bank due to my credit at the time. Exeter was the only financial intuition that offered me financing. But at a price. This predatory lending has caused a financial hardship to myself and my family. Please discontinue reporting this FRADULENT account on my credit report. I will also be filing a complaint with the FTC and the Attorney General if this matter is not resolved expeditiously. Additionally, the GAP insurance refund was never applied to the balance of this contract. This can be viewed as fraudulent, since money that i paid was never applied to this reported outstanding balance of {$8900.00}. The GAP insurance premium was supposed to be refunded at a prorated amount. According to attachments included in this complaint and documentation provided by the creditor, no such evidence displays that this missing money being refunded or applied to any balance. This is FRAUD! I am not requesting an update to this account. I am strongly requesting deletion. I would also like to request proof of sale of the vehicle. No such information has been provided to myself as proof of the sale and refunded amount applied to the balance. Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. Very Respectfully, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX
03/30/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	GA 30038	Web
Fact, I became aware of my consumer protection rights approximately 2 weeks ago honestly, yet according to federal law 15 USC 1602g, I am the person who regularly extends, lawfully defined as the " creditor ''. Fact, on XX/XX/XXXX a misrepresentation of presentment was given to me in the name of a " Retail Installment Sale Contract '' from XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX, as a fiduciary, he gained my trust to finance a XXXX XXXX XXXX. I was deceived by deceptive forms that were misrepresented to me which lead to a false belief that I was participating in a loan and establishing a collection of debt for a third party, EXETER FINANCE LLC. Alternatively to a consumer CREDIT transaction, I was mislead into a DEBT and a false belief that a person [ EXETER FINANCE LLC ], other than XXXX XXXX XXXX XXXX was participating in the attempt to collect a debt that I allegedly owe to such person other than the " creditor ''. 15 USC 1692j, 15 USC 1692k. Fact, on XX/XX/XXXX, I paid {$5000.00} USD down payment with my debit card to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX who told me that a down payment was required for financing which is not included in a lawful finance charge pursuant to violating the Federal Truth In Lending Act. Federal law 15 USC 1605. I also suffer damages when I was swindled out of my rights to reclaim my securities, so that deceitful and rogue agents at XXXX XXXX XXXX XXXX would appear to be absolved from their true CREDIT LIABILITY and TAX LIABILITIES for Selling the " Retail Installment Sale Contract '' to EXETER FINANCE LLC, as commercial paper as an implied contract which in FACT is a deceptive trade practices and prohibited transaction pursaunt to 26 USC 4975. Fact, on XX/XX/XXXX it was federal law for XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX to clearly and conspicuously disclose the proper forms for me to exercise my Right to Rescind in which I never received and there were never any disclosures of such before or later so no proof of consideration was given to me where it was due as enforced in 15 USC 1635 the Federal Truth In Lending Act. Fact I have suffered for years and the damages are beyond humane because they are commercial assaults that this auto dealership committed to in my case I have monetary injuries in the amount of $ XXXX for earnest payments to alleged creditor. Fact, on XX/XX/XXXX unfortunately I was in a collision with an uninsured motorist that totaled out the XXXX XXXX XXXX and the insurance pay out was fraudulently collected as a debt allegedly owed to alleged creditor EXETER FINANCE LLC. which violates federal law ( s ) 15 USC 1692e, 15 USC 1692f, 15 USC 1692h, 15 USC 1692i, 15 USC 1692k, 15 USC 1601b 15 USC 1602f, 15 USC 1611, 15 USC 1640, 15 USC 1666, 18 USC 8 I have contacted the accused parties mentioned in this complaint by writing and certified mailings, however they have not complied this is my consideration to grant the opportunity to cure before I take further legal actions. I demand to be paid in full for settlement for damages in the amount of {$100000.00} USD order to pay ; XXXX XXXX
06/16/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	MN 56401	Web	Servicemember
My wife and I bought a new XXXX XXXX XXXX XX/XX/XXXX. Cost was XXXX. I ended up trading in my truck which I didnt want to but the salesman and finance manager said needed that to get deal done. Also had to have my wife who was girlfriend at the time co-sign and she had a score less then 400. I told the sales and finance to go through XXXX XXXX for my financing since I had used for 3 to 4 prior vehicles all paid off on time and max interest was 18 %. The XXXX XXXX XXXX of XXXX XXXX, XXXX Said I was denied and had to go through the only company that would take me. Which that was Exeter Finance LLC. Now they sold us a lifetime XXXX oil change plan for XXXX and said best for us to take XXXX that was XXXX through XXXX.? all financed at 28 % interest. With trade in and other we put down XXXX dollars financed XXXX. The oil change plan was through XXXX. Well I got first 2 free and have never had the free oil change since. I have been too 2 different XXXX dealers both have said I bought it but no one ever put into a system so not valid anywhere.so when all done total amount to finance was XXXX. As of today XX/XX/XXXX I still owe XXXX after 4 years of XXXX a month payments. We where told at XXXX that in six months from date we signed call and we can refinance with Exeter for a lower interest and payment. Which when we tried Exeter said that we couldnt refinance we bought it and its ours. XXXX a XXXX vet and have killed myself making payments. And still owe as much as we did 4 years ago an have 24 months left to finish contract. But I was lied to about lifetime oil change that I had to finance and the gap which we actually dont even have after being told missed a few payments so thats got voided but still pay 28 % on the XXXX and then being told that all good refinance in six months then Exeter says that not what deal is. And I also found out after that no one ever tried to finance through the company I said to go to that always financed me and way less interest. Have a XXXX XXXX wife and living on a VA XXXX check makes it extremely hard to continue the robbery thats taken place. I should be paid back all interest on the worthless gap and lifetime oil change plan. And the XXXX those cost together and my interest should never have been over 18 %. And in Montana not legal to charge over 14 % but I found out late and only had a 2 year window to go through state to resolve. But Exeter also wont change payment date so Im late every month 15 to 20 days that they get extra money interest because they wont change date to the 1st of each month when I get my government XXXX pay. I hope I can get some relief in this mess. I cant afford it and I dont want to let it go back after paying XXXX dollars. Exeter finance is out of Texas and XXXX XXXX XXXX is headquartered in XXXX Oregon. Both companies lied and said things to get my truck as trade sell worthless services and I feel like I was scammed into the interest when they wouldnt refinance. I didnt have much issues but a year ago wife had mental breakdown has not left our house since XX/XX/XXXX. And I now have to be home taking care of her please try to do something. Thank you.
08/18/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 90740	Web
XXXX granted me an extension on XX/XX/XXXX and failed to process the extension. They then granted me two extensions to make up for their error and then deceived me in regards to their processing of the extensions and the negative effect what they were going to do had on me and my credit. Instead of granting the XX/XX/XXXX extension they promised, they back dated my XXXX payment which made me appear late In XXXX, then then reported the delinquency to all three credit agencies. I have had to dispute Exeters incorrect reporting to all three credit agencies on four separate occasions, beginning in XX/XX/XXXX. All four have been corrected but were reported incorrectly be Exeter and would not have been corrected if I had not checked my credit reports and disputed. Exeter then sent me a letter saying their reporting to credit agencies is accurate. I then viewed all three of my credit reports that show Exeter again has reported incorrectly and I have all the documents to prove. Exeter has failed to create a procedure that eliminates the incorrect reporting. The incorrect reporting has led to increased interest rates on loans I have taken out and cost me more. I have also been declined credit and housing due to their incorrect reporting. I have called Exeter 15 times in XXXX to report consistent overcharging and incorrect billing statements. I was told everthing was accurate. I audited my account, against their statements, and my bank and was overcharged over {$100.00} in the last year. When I brought it to the attention of the CEO, the OOP, and XXXX XXXX it was ignored. If all of Exeters borrowers were overcharged {$100.00} this year alone and ignored, that is unlawful overhead. Approximately 10 of my calls were related to questions regarding Exeters standard business process as it relates to extensions and repossession. I was told there was no standard business process in regards to extensions. I was told once they were offered, I was next time they were not-then on the same call I was granted one. I asked at the call what the standard business process was and the representative could not communicate one. I told him with out standard process discrimination came into play and he agreed. That extension was not processed. XXXX XXXX called and then granted me two extensions, I asked her what standard business practice was and she said she had the leeway to do whatever was needed. She then processed two extentions and failed to inform me of the actions she was going to take that negatively impacted me, see paragraph one. I then reached out to the CEO on XX/XX/XXXX and asked for their standard practice and time line in terms of repossession. All of the above and the fact they financed a {$9000.00} for {$35000.00} has pushed me into job loss and bankruptcy. I told them I needed to know time line so I could manage everything and surrender the car if needed. I have sent two inquiries to the CEO, Office of the President and have been ignored. Exeters actions violate Consumer Law, have cost me greatly and their lack of standard business process and service makes them a discriminatory predatory lender.
07/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	SC 29483	Web
Exeter finance charged off my loan at XXXX and some odd change, but I still retainted possesion of the truck and contin ued to make regular PAYMENTS as close to on time as I could .I adv ised them I was out of normall work due to being diagnosed with XXXX XXXX and all was well for another XXXX years.so much so the the $ XXXX went down to $ XXXX and out of the blue recieved a phone call saying that i needed to find diffrent financing for the truck, trade it in or they were going to reposses the truck.I informed them that i felt that it would be difficult because of the charge off and asked if they were going to at least lower the number of the charge off since i had paid it down to XXXX .I was told no. well the lady called me 2 days later very nasty and asked me if i had found alternative finan cing and i informed her that no i had not, then she informed me that she was issuing the order of repossesion.That put me in a mad dash, so i searched and searched and finally forund someonewilling to take the truck on a trade in, so i called exeter fin. and told them and asked them if i was ablr to get this to work would they do something about the charge off and the lady told me if I was able to get this to go threw she would not list it as a charge off on my credit as a charge off at all she would list in in a manor that was not negitive at all she would list my account as " Paid in Full '' The arrangement was for them to take {$13000.00} for the payoff of the truck and 1099 me for the diffrerance and that would be a " paid in full I have disputed it every way i can and they are not removing the charge offlike they said and not only that they are listing it as settled for less than owed> This is not right, I did what they asked me to do and they are not being bound by what they said they werfe going to do, and i did sme reading when they charged off the loan at XXXX but i paid it down to XXXX k they took the original tax break at XXXX, HAVE THEY AMMENDED THE LOSS AMOUNT WITH THEIR TAXES, BECAUSE, now i may be wrong but it read as it was unlawful for a company to claim a loss as a bad debt, and recieve the goverments deductions from the debt at one number but recieve monies from the same debt with out ammending the total submitted for the deduction originally .as i said i could be way off i havent recieved anything saying that they did anything of the sort. I just want them to do as they told me they would i jumped at a moments notice to make almost the impossible happed and succeded, and they told me out of their own mouths that there would be no charge off if i did what they asked me to do. I have disputed at least 4 times, each time they change a word or 2 and it is just updated and thats not right.iT HAS XXXX MY CREDIT SCORE wich in turn has cost me a great deal of money in intrest cost if being approved at at please help me with getting this charge off removed from my report, and i dont even know if i would be able to recover any of the funds that it has cost me but more than anything i just want it gone so my score can rebound and i can get on with my life thank you sir or maam
02/17/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	MS 39211	Web	Servicemember
I have sent several letters requesting validation and verification of this debt and the original documents and methods used to verify this debt. My requests have repeatedly been ignored. I feel strongly that this company simply can not provide the original signed in wet ink documentation to legally verify this debt per the FCRA and thus they refuse to respond or delete the entry from my credit report. Judging by the numerous complaints on the XXXX website ( I also have a complaint there as well # XXXX ) as well as them having their accreditation stripped from them, i would be confident in assuming that they don't act in good faith when it comes to amicably solving simple issues like this one. I will enclose copies of some of the letters with return reciepts that I have sent to this company that I have still yet to receive any original signed wet ink contract from nor have i receive any methods by which they verified this deTo Whom this may concern : As I have not heard back from XXXX XXXX XXXX or any representative of said company in over 30 days since my second formal written notice of dispute dated XX/XX/2020 ( copy enclosed ), and since they have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.bt. In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine. For the record, I state again : As I have no current valid account with XXXX, nor am I a customer, nor have I ever entered a valid contract with them, I must ask them to provide the following information : 1. Please evidence thier authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is their authorization of law for your collection of information? 3. What is thier authorization of law for your collection of this alleged debt? 4. Please evidence their authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged signed in wet ink contract or other instrument bearing my wet ink signature. This companies failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed. XXXX XXXX XXXX 's continued silence in this matter is unacceptable, not in good faith, not good business practices, and mirrors the many negative reviews and complaints from other consumers about how this company treats consumers. They should Either provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it to.
10/08/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	FL 33010	Web
To clarify, the prompts I received prior to this point did not really encompass my issue, so I will do that now. My car loan with Exeter Finance was originated in XX/XX/XXXX, the last car payment remitted was in XX/XX/XXXX, as the car was totaled in an accident. I contacted Exeter and told them where to pick up the car and I don't know what happened. The loan was subsequently charged off in XX/XX/XXXX. ABSOLUTELY NO PAYMENTS WERE REMITTED BY ME AFTER XX/XX/XXXX!!!! If I am understanding correctly, charged-off accounts are removed from your credit report seven years after the date of the last payment. Therefore, Exeter was scheduled to remove this account from my credit report this year, XX/XX/XXXX. However, upon reviewing my credit report in XXXX, I was amazed to see that in XXXX, XXXX, and XX/XX/XXXX, the balance owed increased. Then in XX/XX/XXXX... an insurance refund in the amount of {$580.00} was MIRACULOAUSLY applied to the account, which Exeter considers to be a payment. I was not given any statement or documentation regarding this " refund '' or any information on why my charged off balance increased TWO MONTHS before this " refund '' was applied. Ironically, NO OTHER PAYMENTS HAVE BEEN APPLIED TO THE ACCOUNT SINCE THEM. Exeter finance purposely applied a FRADULENT PAYMENT to a CHARGED-OFF LOAN, to reset the clock. Now my credit report shows that the last payments was received in XX/XX/XXXX, which means this won't be taken off until XX/XX/XXXX!!!!! This is NOT RIGHT!!!!! POOR PEOPLE ARE PREYED UPON!!! I don't make excuses for my life. I am a single mother and I have worked hard to support my family completely alone. No one wants to have a sub-prime car loan, but sometimes we LITERALLY DON'T HAVE A CHOICE!!!!! My daughter is going to college next year and I am desperately trying to fix my finances and credit, so that I can help her as best I can. EXETER FINANCE HAS BEEN A NIGHTMARE!!!!!!! There is NO WAY to justify an insurance refund being applied to a loan TWO YEARS AFTER IT WAS CHARGED OFF!!!! This was clearly done in an attempt to keep this on my report. I am BEGGING the CFPB to please step in and help me!!!!!!!!!! Having a $ XXXX debt removed would do wonders for my credit score and reduce my DTI ratio. The loan was supposed to drop off my report NEXT MONTH!!!!!!! I have been waiting for the day I would be rid of this mess and they pulled something like this. I CAN NOT HAVE THIS ON MY CREDIT REPORT FOR ANOTHER TWO YEARS!!!!! When I called them recently, they told me that it's not going to come off for another TEN YEARS!!!!!!! HOW CAN THEY ADD THREE YEARS WHENT THE ALREADY FRAUDULENTLY ADDED ON TWO MORE!!!!!!! This is illegal and not even human to do something like this. My dad died in XX/XX/XXXX and I cared for him, my siblings, and my child. I had to pay for everything and I already didn't have much. When I got into the accident ( the driver was uninsured and fled the seen ), I couldn't afford the car let alone to have it repaired. I just want Exeter to remove the charged off account from ALL THREE CREDIT BUREAUS!!!!!
07/18/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	SC 29577	Web
On XX/XX/2017, I purchased a brand new XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. The total amount financed was {$23000.00}, after putting {$500.00} down with a {$4000.00} rebate. I went through the normal process ; getting approved for financing which required my mother and I to provide proof of employment ( a months worth of paystubs ), signing a million documents, and eventually driving home in my brand new car. My mother lives in another state so the dealership had to send the documents in the mail for her to sign but I was still allowed to take my car home that day. They just told me that they would contact me once received, so I could come back to the dealership to get my temporary tag and pick up a copy of my executed contract. On XXXX.17, I received a call from Exeter Finance Corp, the finance company, stating that they had to contact both of our employers to verify employment and needed numbers. This clearly didnt make any sense to me since we both had already provided our pay stubs and were approved for financing on XX/XX/XXXX. Then on XXXX.17, I received a call from the finance guy, at the dealership, saying that Exeter called and said that they weren't going to finance me anymore because the income provided for my mother was incorrect. She provided her pay stubs for a whole month which were obviously accurate. I told the finance guy that this made no sense and that I would be contacting Exeter after I got off the phone. I then called Exeter and spoke to XXXX, in the buying center, in reference to my account. I explained what had happened and she argued that my mother wasnt an employee because she was receiving severance pay and wouldnt accept the documents. How was this legal since they approved my loan 2.5 weeks ago but now werent going to finance me based on ACCURATE information. After speaking with Exeter, I called the dealership back to let the finance guy know what was discussed. He wasn't available so I left him a message. The following day, I had to swing by the dealership to pick up my executed contract because they forgot to give it to me when I picked up my temporary tag. They didn't mention anything about the financing issue and I never heard back from either of them so I assumed that it was resolved. That was anything but true. On XX/XX/17, I received a notice in the mail, from Exeter Finance dated XX/XX/17, stating that they received my application for automobile financing and were unable to approve my request. This made ABSOLUTELY no sense. I was already approved for financing, through Exeter Finance, on XX/XX/XXXX. How was I allowed to drive off the lot if they didn't approve my request? Mind you, this notice was sent almost a month after purchasing my vehicle and my first payment was to be made on XX/XX/2017. I also never received a contract from Exeter Finance outlining the terms of my loan. The only documents I signed were those at the dealership. With that being said, I would like a copy of my loan agreement with Exeter Finance for my records and for review and an explanation for the denied financing.
08/24/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 30263	Web
XX/XX/XXXX mailed letter to Exerter Finance. Spoke to XXXX Account manager. XX/XX/XXXX Spoke to Another Account manager XXXX. Spoke to Director of Accounts XXXX XX/XX/XXXX Director XXXX call XXXX expressing company denial of identity theft, or fraudulent assignment of contract. My signature, nor consent was given. This has deeply impacted my life. My private information and security and equity is being channeled through without recourse. This is unacceptable, your assistance is needed. LETTER to Company. XXXX call help associate XXXX Account Manager XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX Exeter Finance XXXX XXXX XXXX XXXX, TX Subject : Notice of Claim of Security Interest, Equity Due, Identity Theft, and Claim for Title and Account Fulfillment Attention Exeter Finance, This letter is to formally assert my claim of security interest due in course from contract XXXX. Equity within vehicle with the VIN # XXXX make XXXX XXXX and model XXXX XXXX XXXX XXXX. This claim is based on an application and security agreement dated XXXX XX/XX/XXXX which established my lien against the aforementioned vehicle. It has come to my attention that an unauthorized assignment of contract has taken place concerning the vehicle in question. This act constitutes an accessory to identity theft, as I did not provide consent for any transfer of rights or interests associated with my security agreement. I demand that this matter be rectified immediately, and the contract assignment be reversed. Furthermore, I am requesting an accurate calculation of the equity due on the vehicle, as well as the associated charges and fees that have accrued. Please provide me with a detailed breakdown of these figures within 7 days from the date of this letter. Additionally, I am asserting my claim for the title to the vehicle and requesting that all necessary steps be taken to transfer the title into my name in accordance with the terms of our security agreement. This transfer should be completed promptly to avoid any further legal complications. Finally, I expect full account fulfillment, including the return of any payments made on my part in excess of the equity due, once the calculations have been confirmed. I must emphasize the seriousness of the unauthorized contract assignment and identity theft implications. Failure to address these matters promptly will leave me with no choice but to pursue legal action to protect my rights and interests. Please respond to this letter in writing, by calling, by emailing within the stipulated timeframe mentioned above. You may contact me via email at XXXX or by phone at XXXX to provide updates on the resolution process. Thank you for your immediate attention to this matter. Spoke to account manager XXXX, and call help associate XXXX XXXX XX/XX/XXXX in coherence with letter shipped. XXXX XXXX XXXX XXXX XXXX Ga XXXX. Whom Exeter accepted assignment of contract from. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX director of account
08/19/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	VA XXXXX	Web	Servicemember
I received the following response from Exeter XXXX regarding my XXXX protection. XX/XX/XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Dear XXXX XXXX, On XX/XX/XXXX, Exeter Finance LLC ( Exeter ) received notice regarding your complaint filed through the Consumer Financial Protection Bureau ( CFPB ). Exeter would like to thank you for the opportunity to address the concerns outlined in the complaint. XXXX success is based on customer satisfaction with our products and services, so the issues presented in this complaint are taken seriously and every effort is made to provide a prompt and equitable response. Exeter has thoroughly investigated your complaint, responded to the CFPB, and made the following determination. You signed for the Account established by the Motor Vehicle Retail Installment Sales Contract-Simple Finance Charge ( Contract ) you executed with Trophy XXXX to XXXX the purchase of a XXXX XXXX XXXX XXXX VIN # XXXX ( Vehicle ) on XX/XX/XXXX, which was assigned to Exeter. The XXXX payment schedule provided for 72 monthly payments of {$450.00} beginning XX/XX/XXXX. The Account was paid in full on XX/XX/XXXX. On XX/XX/XXXX, we received correspondence from you regarding your military orders. It was determined that we needed additional information to review your eligibility for retroactive protection under the XXXX XXXX XXXX XXXX ( XXXX ). On XX/XX/XXXX, Exeter mailed you a letter requesting additional information regarding active-duty dates. Following this request, we received additional military documentation on XX/XX/XXXX. Exeter thoroughly reviewed all the documentation provided and it does not support any active-duty dates after the XXXX was originated on XX/XX/XXXX, through the payoff/close date of XX/XX/XXXX. All supported active-duty dates show to be after the Account was paid in full and closed. As such, the Account does not qualify for XXXX protection. We trust these answers to any questions associated with the complaint. If you have any additional questions about our response, we encourage you to contact the XXXX XXXX XXXX XXXX at ( XXXX ) XXXX. Sincerely, XXXX XXXX XXXX XXXX Exeter Finance LLC My Response : I received a call from an account XXXX at Exeter XXXX on XX/XX/XXXX, explaining that my account did not qualify for XXXX XXXX because of the types of orders I sent in and that I would receive a letter in the mail. He further stated that inactive duty ( i.e., drills ) does not count towards. While he is right in his assertion that drills do not count, he is wrong in his assertion that the orders I sent represent drill duty. The attached orders are XXXX XXXX active-duty orders. They are within the timeframe which Exeter XXXX outlines. Begin XXXX : XX/XX/XXXX, to XXXX XXXX XX/XX/XXXX. Exeter False XXXX or representation : All supported active-duty dates show to be after the Account was paid in full and closed. As such, the Account does not qualify for XXXX protection. See attached XXXX XXXX : active-duty order # XXXX XXXX attached Title XXXX : active-duty order # XXXX
09/13/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	TX 75067	Web
Starts off me receiving two different contracts for a vehicle at dealership ( XXXX XXXX XXXX. I had possession of the vehicle XX/XX/XXXX. XX/XX/XXXXXXXX XXXX XXXX XXXX called stating information relating to contract was in correct advise me to come in redo the contract. On XX/XX/XXXX XXXX XXXX XXXX called stating that they shredded the contract advise me to come in redo the contract for the 3rd time I declined. Also on XX/XX/XXXX One of the contracts that was between me and XXXX XXXX XXXX was transfer and assigned my info to Exeter Finance LLC without my consent. Second with me knowing contract law I kno that if you owe a debt to someone a contract must be created between the parties abiding by the truth and lending act in which was violated due to identity theft as well as fraud. Also, Ive reached out more than three times with all info stating I am sole lien holder over the property and also rescinding the security interests connected with the principal. I also sent registered securities to the trustee and indenture trustee at Exeter finance LLC on how to properly handle my securities. i have recently found out that these detachable coupons of this statement that you sent me as a bill, are a way of payment. I've noticed that you send me these statements with the coupons on them you're redeeming the coupon/bond, you all are double dipping and getting paid twice, I've noticed you're doing this, but I am willing to overlook this crime ; Enclosed you will find the coupon, on the back I've indorsed it with the beneficiary signature in acceptance for payment. The company has been noncompliance. EXTINGUISHMENT OF OBLIGATION CHAPTER 4 Article 1256. " If the creditor to whom the lender of payment has been made refuses, the debtor shall be released from responsibility by the consignation of the thing or stan ''. Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) ; As well as self-liquidating paper ( 17 CFR 260.11b ( 6 ) ). I have reason to believe that Dealership Name willingly and knowingly took advantage of me and my consumer credit I am NOT terminating or canceling this contract, I am deducting my liability to pay on behalf of the obligor, as I have found several violations and fraud. Notice that Pursuant to 15 U.S. Code {$1600.00} ( b ) : upon receipt of this rescission, I am not liable for any finance charge or other charge. Any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission In addition, I was given false and deceptive information 11 U.S. Code 362 - Automatic stay 11 U.S. Code 524 - Effect of discharge UCC 1-308 - Performance or Acceptance Under Reservation of Rights 31 U.S. Code 3123 - Payment of obligations and interest on the public debt UCC 3-104 - NEGOTIABLE INSTRUMENT The Emergency Banking Act of 1933 was a bill passed in the midst of the Great Depression that took steps to stabilize and restore confidence in the U.S. banking system.
09/26/2022	Yes	Vehicle loan or lease Lease	Getting a loan or lease Problem with additional add-on products or services purchased with the loan	FL 33617	Web
Pursuant to Florida laws, which is the the state where laws apply to this contract according to the contract, Courtesy of XXXXExeter Finance took full advantage of my consumer report. According to Florida Statutes 687.02 ; Usurious contracts defined All contracts for the payment of interest upon any loan, advance of money, line of credit, or forbearance to enforce the collection of any debt, or upon any obligation whatever, at a higher rate of interest than the equivalent of 18 percent per annum are hereby declared usurious. XXXX XXXX XXXX Exeter Finance did charged me an XXXX of 21.7 %. Also XXXX of XXXX Exeter Finance violated my consumers rights by U.S. code 1635 ( A ) as I was never told I had 3 days to rescind the agreement nor was given the notices that come along with all consumer credit transactions. According to 12 CFR 1026.23 - Right of rescission ( b ) a creditor shall deliver two copies of the notice of the right to rescind to each consumer entitled to rescind ( one copy to each of the notice is delivered in electronic form in accordance with the consumer consent and other applicable provisions of the E-Sign Act ). The notice shall be on a separate document that identifies the transaction and shall clearly and conspicuously disclose the following, ( ii ) The consumer 's right to rescind the transaction. iii ) How to exercise the right to rescind, with a form for that purpose, designating the address of the creditor 's place of business. ( iv ) The effects of rescission and lastly ( v ) The date the rescission period expires. Which Courtesy XXXX of XXXX or Exeter Finance failed to do. Take further notice that Pursuant to 15 U.S. Code 1605 the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges which were never disclosed to me by your organization in direct violation of this law. XXXX XXXX XXXX XXXX/Exeter Finance also accepted a CASH down payment of {$1000.00} violating 15 U.S. code 1605 which clearly says that the finance charge does not include charges of a type payable in a comparable cash transaction. I have also recently come across information from the Federal Trade Commission more specifically the Gramm-Leach Bliley Act. 15 USC 6802 obligations with respect to disclosures of personal information Notice Requirements ; Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( XXXX XXXX XXXX XXXXExeter ) did not disclose this information to me, the consumer that is required by Federal Law. Pertinent information was withheld about the disclosure of my information to affiliate and unaffiliated third parties. The information that explained how I, the consumer, could exercise that non-disclosure option was also withhel
01/31/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	GA 31313	Web
Due to the nature of our relationship, I sent a letter to Exeter Finance ( XXXX XXXX XXXX XXXX, TX ) as well its C.E.O. XXXX XXXX ( Location : XXXX XXXX XXXX XXXX XXXX, XXXX TX ), received on or about XX/XX/2022 ( letter, and proof of mailing attached ) in which I requested the housing location of my original promissory note that I endorsed as a consumer as I have reason to believe it is being traded for proceeds. Exeter Finance responded with a copy of my promissory note stating that they believe the debt to be valid. Exeter Finance failed to directly, and reasonably respond to my request as I did not inquire about the validation of the alleged debt. On XX/XX/2022. I called Exeter Finance at XXXX ( Recording of call attached ). In the attached recording the representative stated that he could not tell me and did not know the location of where my original promissory note was housed. This leads me to believe that Exeter Finance is no longer the holder in due course of the original instrument. If this is fact, then I am not legally obligated to pay the alleged debt I allege that I may not be obligated to pay the debt because Exeter Finance has hypothecated, traded, securitized, or monopolized any form of that original promissory note/application. Provide me with the exact location of that original instrument. If you can not, then I am alleging that Exeter Finance is no longer a holder in due course and I am now making my claim to the instrument and I revoke and rescind all prior negotiations and demand the title to the automobile, Manufacturer Certificate of Origin, and all proceeds to be returned to me in accordance with U.C.C. 3-306, U.C.C. 3-603b, and 15 U.S.C.1692h. If Exeter Finance no longer has the instrument, then I no longer have an obligation to pay the debt. If the location of the original debt instrument can not be provided, then I allege that Exeter Finance is not a holder in due course to even make a claim on the instrument. Provide evidence with an affidavit under penalty and perjury in the next XXXX days otherwise cease and desist all forms of communication on collection. I as the consumer was never given full disclosure of all of the facts regarding the use of my promissory note as well as the fitness, performance, and attributes of the account and therefore have the right of rescission pursuant to 15 U.S.C. 1635 as it has caused XXXX anguish and XXXX instability. In accordance to U.C.C. 3-603b, this is my tender of payment of obligation to pay an instrument made to you to discharge the instrument for the full satisfaction of claim there to the exact amount of debt you say that I owe is now set off if you can not prove that I owe it and refund me all prior payments excluding the first payment. Also attached is a certified copy of a XXXX. XXXX research report from Georgia 's Secretary of State, further proving that I am not obligated to pay the alleged debt as debt must be recorded with the Secretary of State to be valid.
04/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77459	Web
Copy Email sent to Exeter Finance Good Morning Exeter Finance Customer Service, I am sending an email with the information that I received in regards to my credit. I would like to understand how I these three months ( Please See Attached Photos ) payments were reported as late. I received a deferred payment which is supposed to add the payments on the end of my loan and the late payments not be reported, yet they were reported any way. I called on XX/XX/XXXX to address the issue and I received an alert of a new report that another late payment was added to my report. I also placed a call back to customer service on XX/XX/XXXX inquiring about the issue and she stated to me that the information was sent to the Bureaus was corrected for the month of XXXX and the letter was also sent to me as well. I am not sure if she understood my concern. ( XXXX XXXX XXXX of XXXX ) this is what was reported and should not have been. Prior to this call I only had two late payments XXXX and XXXX of XXXX after the call XXXX of XXXX was added. This is very damaging to my credit and does not honor the deferred payment agreement. Please advise on what other actions I need to take in regards to this mistake on Exeters behalf. Please Review attachments of the Following : Payments made XXXX See Below ) Date Document sent back to Exeter ( See Below ) Credit Report of Information sent to Bureau ( See Attachments ) Email sent from Ops Support ( See Below ) XX/XX/XXXX XX/XX/XXXX Payment Received MyAccount - Debit {$520.00} XX/XX/XXXX XX/XX/XXXX Fee Waived. ( {$12.00} ) XX/XX/XXXX XX/XX/XXXX Payment Received Agent Assisted - Debit {$510.00} XX/XX/XXXX XX/XX/XXXX Fee Assessed. {$12.00} XX/XX/XXXX XX/XX/XXXX Payment Received MyAccount - Debit {$510.00} XX/XX/XXXX XX/XX/XXXX Fee Assessed. {$12.00} XX/XX/XXXX XX/XX/XXXX Payment Received MyAccount - Debit {$510.00} XX/XX/XXXX XX/XX/XXXX Fee Assessed. {$12.00} XX/XX/XXXX XX/XX/XXXX Payment Received MyAccount - Debit {$260.00} XX/XX/XXXX XX/XX/XXXX Fee Assessed. {$25.00} XX/XX/XXXX XX/XX/XXXX Payment Received MyAccount - Debit {$510.00} This is also the email sent from Ops Support From : Ops Support Subject : Document Date:XXXX XXXX XXXX Reply : Thank you for contacting Exeter Finance XXXX . To verify if your account is eligible for an extension please contact a Customer Service Representative. If you need further assistance, please call ( XXXX ) XXXX. Customer Service Representatives are available Monday Thursday from XXXX XXXX. to XXXX XXXX., Friday from XXXX XXXX. to XXXX XXXX. and Saturday from XXXX XXXX. to XXXX XXXX. ( Central Time ). Sincerely, Exeter Finance XXXX. Your Partner in Car Ownership Thank you for contacting Exeter Finance XXXX. From : XXXX Subject : Document DateXXXX XXXX XXXX Message : I am supposed to receive a document to add the payments on to the end of my loan. She said I would receive it within 24 hours to sign and send back and I have not received it Showing 1 to 1 of 1 entries
01/26/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 92612	Web
I obtained a loan through Exeter Finance Corporation on XXXX/XXXX/XXXX. The original principal was XXXX, APR 25.02 %, monthly payment of XXXX, due the XXXX of each month. Before making my first payment I created an online account. After making my first payment on XXXX/XXXX/XXXX, I was no longer able to log into my account and could only rely on the paper bill statements I received each month in the mail. I just gained access to my account yesterday ( XXXX/XXXX/XXXX ) after mentioning the consideration of filing a complaint with CFPB. The statement generated on XXXX/XXXX/XXXX stated a balance of XXXX ; however, when I was able to log onto my account yesterday, my balance was at XXXX ( this was before my payment for XXXX posted ). Today ( XXXX/XXXX/XXXX ), after my XXXX payment posted, my balance is now XXXX. While speaking with a manager in the customer service department today is was provided a verbal explanation of the allocation of my principal and interest, from each payment starting on XXXX/XXXX/XXXX, and is as follows : XXXX Principal:XXXX, Interest:XXXX, XXXX Principal:XXXX, Interest:XXXX, XXXX Principal:XXXX, Interest:XXXX, XXXX Principal:XXXX, Interest:XXXX, XXXX Principal:XXXX, Interest:XXXX, XXXX Principal:XXXX, Interest:XXXX. Total Interest paid to date:XXXX, total principal applied to date:XXXX. According to my calculations, XXXX should have been applied to the principal balance to date, additionally, I do not understand the amortization of the loan, as it is inconsistent. Once the customer service manager took a look at my account and tried to explain the discrepancy, she put me on hold, then came back on the line and said she was sending my account to a specialist to further evaluate it. Her actions made me feel as if she was trying to avoid any more contact with me during the call to protect the company, and give them time to cover up what they are doing. I am a compliance assessor for a mortgage lender, and work every day to make sure all consumers are treated fairly. Having experience in assessing files in the financial industry, i can tell when something is n't right. The customer service department does not willingly provide information, as if they are under pressure by senior management to keep their business practices quiet. Again, once I made them aware of my experience, and that i was going to file a complaint with the CFPB ; I gained access to my account online for the first time in 6 months ( after attempting to do so multiple times ), and my account balance changed 2 times in 2 days, once before payment was made and after once after payment was made but both changes occurred after the mention of CFPB. The corporate office is also impossible to get in touch with. I have left a voicemail at he corporate office and have yet to receive a response. If they are improperly allocating my funds, then they are doing it to other people as well. Exeter Finance Corp is located in XXXX, TX.
08/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 631XX	Web
To whom it may concern I am writing you to inform you that you are reporting transactions that does not include my consumer report. - Exeter Finance In Accordance to the Fair Credit Reporting Act 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Thank you so much for your time
05/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30101	Web	Servicemember
Exeter Finance has ignored the fact that I am a victim of identity theft and in fact I have an attorney hired and XXXX turn this account that I did not open over to them to sue In arbitration, this account is fraudulent, I was ask to provide more information by this Exeter Finance I never done business with us to provide my social security card and other information I was informed by several investigators and two attorneys one I do hire for the identity theft issues and now I can turn this account over to this attorney, my information was used to open this account, now Im asking Exeter Finance dont give fees back I dont want to hear it but do want to let you know that as much yall have ignored my complaints and the ftc identity theft report is being documented and printed to show Juat how many times I have filed numerous complaints, heres the deal I dont live at the address yall keep sending information about some car account the person at that address was leaked and now its being used as an address to open accounts thats not my address i have never lived there and my information my license has been stolen and.used yes I had to change my information because of the identity theft and no is the question Im not sending any information through the mail I dont knowing you people and I was informed not to send anything I am a victim of identity theft and do me a favor just take this off my credit report it wont be worth my suing yall in arbitration, or court it doesnt matter to me, I got so much information to show that my social security number and drivers license number has been leaked on the XXXX XXXX by XXXX XXXX just to let you know I won my case against XXXX XXXX I have a data breach proving my information was leaked and compromised by XXXX XXXX, either a choice here, whats it worth, I can send numerous of documents showing he identity theft from a incident with the XXXX where a scammer in another Country use my information to file and try to defraud the government out of thousands of dollars now I am a victim of identity by the us government, and I do have a police report filed by me against XXXX XXXX for identity fraud XXXX and I have ftc identity theft reports its the SAME Thing AS A POLICE REPORT and acts the same, so take my complaint and my issue seriously, I will seek arbitration and have this lawyer collect damages, now just delete the that account off my credit report and stop using my information as a result of intimidation, I will send some documents to inform and show but do not ask me for any documentation wont happen Im trying to get my life back from all the identity theft I have been through I have accounts open in my name, and Im getting fired of it now delete this account or will sue XXXX and Exeter Finance, I have all these complaints I will send notification to this lawyer about this matter thank you, now delete XXXX or I will XXXX XXXXXXXX In arbitration.
05/25/2017	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with signing the paperwork	NY 10451	Web
In or around XXXX XXXX , lifelong trusted friend, approached me about co-signing for a car. I was under the impression that co-signer meant a witness to the transaction or to confirm that Ms. XXXX was of good character. In or around XXXX XXXX , I accompanied Ms. XXXX to XXXX XXXX XXXX . At the time of signing, the car dealership representative directed me to sign here, noting that the signatures were just formalities. The representative did not explain to me what exactly I was signing or inform me of my responsibilities as a co-signer. After signing, the representative did not provide me with any copies of the documents related to the car. Instead, he told Ms. XXXX and I that the documents will be mailed to you. I had expected to receive the documents in the mail, but I never obtained the documents evidencing my obligation as the co-signer on the transaction. I discovered that the car loan was reporting negatively on my credit report when I was denied for a home loan in late XXXX . I did not recognize the Exeter account on my credit report, so I contacted Exeter using the information listed on my credit report. Exeter explained that I had co-signed for the car, and thus if Ms. XXXX defaulted on payments, the account would become part of my credit report. Exeter also sent me the Simple Finance Charge do cument, which was the first copy of the Simple Finance Charge that I had ever received. After sending a verification letter to Exeter on XXXX XXXX XXXX , I received the statement of the account, a copy of a monthly statement, and another copy of the Simp le Finance Charge. How ever, I did not receive any documentation that proves I was reasonably informed of my obligations as a co-signer at the time I signed for this account. Pursuant to New York Obligations Law 15702, before a co-signer becomes obligated on a consumer credit transaction, the creditor is required to deliver to the co-signer a complete copy of each note, contract, or other writing evidencing the obligation of the co-signer on the transaction, and a written notice that identifies the debt the co-signer may have to pay and reasonably informs the co-signer of his or her obligation with respect to it. According to New York Obligations Law 15702, if a creditor fails to comply with these provisions, the co-signer shall not be obligated as a guarantor of payment. At this point, I contacted the lawyers at the XXXX XXXX XXXX . They wrote to Exeter on XXXX XXXX XXXX requesting that they produce documentation that proves that I was reasonably informed of my obligations as a co-signor at the time of signing as required by the law. To date, Exeter has not produced any documents nor have they responded to my lawyer 's letter. In violation of the law, they continue to report this account to the credit reporting agencies and have not removed me as a co-signor.
11/06/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TN XXXXX	Web	Servicemember
As predicted, it has been 72-hours since the below commitment was made by Exeter and the principal balance of my loan HAS NOT BEEN adjusted. It still remains {$20000.00}!!! AND it says my next payment is due on XX/XX/XXXX when the next payment actually due is XX/XX/XXXX!! This company is a bunch of crooks! I am not going to be getting the AG office involved. Enough if enough! This is the XX/XX/XXXX response I got : Company 's Response XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX Dear XXXX XXXX, On XX/XX/XXXX, Exeter Finance ( Exeter ) received notice regarding your complaint filed through the Consumer Financial Protection Bureau ( CFPB ). Exeter would like to thank you for the opportunity to address your concerns regarding your request to have the overpayment apply directly as a principal reduction. Exeter has thoroughly investigated your complaint, responded to the CFPB and made the following determination. On XX/XX/XXXX, Exeters records reflect that you inquired about making principal reduction payments. In response, Exeter advised that in order to have the full amount of the payment applied as a principal reduction, the account must be paid ahead three months. On XX/XX/XXXX, the account reflected as paid three months in advance. Due to a technical glitch, the funds were not applied according to the payment allocation schedule. XXXX has reviewed and confirmed that the account has advanced XXXX payments and currently there is a partial payment of {$520.00} that has had been applied towards the XX/XX/XXXX payment. In an effort to remediate the complaint, Exeter will manually reapply the partial payment of {$520.00} for XX/XX/XXXX, and apply it in full, as a principal reduction. Your next monthly payment will become due on XX/XX/XXXX. Any partial payment received between now and XX/XX/XXXX will continue to be applied as a principal reduction. As such, any partial payments received after XX/XX/XXXX will be applied as principal and interest payments until the XX/XX/XXXX payment has been completed. Once the XX/XX/XXXX payment has been completed, any additional monies received will be applied towards the principal reduction. If the account continues to be paid ahead by three payments, the principal reduction will continue. Please allow 48 to 72 hours for the system to update to reflect the adjustment. Exeter acknowledges that we failed to provide the best in class customer service and sincerely apologizes for the inconvenience this may have caused. Exeters success is based on customer satisfaction with our products and services, so the issues presented in this complaint are taken seriously and every effort is made to provide a prompt and equitable response. If you have any questions about these or any other concerns, Exeter encourages you to contact the Office of the President at XXXX. Sincerely, Office of the President Exeter Finance
03/21/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	LA 71203	Web
On XX/XX/XXXX, I visited the XXXX XXXX dealership on in XXXX LA. XXXX was the salesperson assisting me with a XXXX XXXX XXXX. He gave me a price of XXXX being the sale price after discount but before taxes, my down payment, and trade-in, He presented me with a buyers order that ended with an amount around {$200000.00}, which included all taxes, fees, licenses, my {$500.00} down payment, {$2500.00} trade-in allowance. I was asked to sign that paper, then I was presented with another paper that offered payment options, of monthly note, and length of the terms swell as downpayment amount, which was different from the first one of the same kind he presented to me originally. I was attending my grandson party but had to make a run to XXXX, which is a bock after the dealership, which is how I spotted the XXXX. That being said, I told that to XXXX, and XXXX, the USED Car Manager, XXXX suggest my daughter take the car to XXXX. Immediately after our visit to XXXX, we went back to the dealership to return the vehicle as we had to go back to the party. However, XXXX suggested we take it to the party they will be working on getting the vehicle financed. We returned two times that night, but they were not able to find a company to finance the XXXX XXXX XXXX at that, but I was asked to sign some paperwork they needed so they could find a company to finance me. I was told that either, I will have to bring the car back, or the payment will be due on XX/XX/XXXX, because most payments aren't due for a while, but let get you financed first. The finance man did not give me any papers as I didn't have an approval at that time, I was told. Therefore, XXXX put a 5-day tag on the XXXX XXXX, on XX/XX/XXXX, and he repeated to do so 3 more times, for 3 weeks, as a result of not finding a financial copy to finance the deal. I never received any paperwork from the dealership, but last week, I received a welcome letter from Exeter Financial LLC., stating a payment of XXXX is due XX/XX/XXXX. My daughter, XXXX XXXX, went to the dealership asking for more information, they gave her a contract with the information I never received or known about. The XXXX was on its 3rd 5-day tag because XXXX kept stating they did not have a completed deal and could not provide a 60-day temp tag for the XXXX XXXX XXXX until there was a deal in place. Two days later after the 3rd 5-day tag expires, XXXX put a 60-day temp tag on back the window of XXXX. I called the finance company asking how they entered into this agreement without my permission, They never reached me to verify if I infect agreed to the terms and conditions of the erroneous contract. I have not been given the due process to either accept or deny the terms made between the dealer ( XXXX and or XXXX XXXX ) and Exeter Finance LLC. I'm requesting the due process to and requesting all fraudulent contracts be ceased and desist.
05/06/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 30341	Web
Back in XXXX I was made aware that Exeter Finance Corp reported my account delinquent 30 days or more past due for my XXXX & XXXX 2015 payment. I called and spoke with a CSR and through that conversation realized that they were missing a payment that I made. I was told that I need to send documentation of the payment being cleared. Within a week I sent in my bank statement showing the payment was made with my debit card and cleared. I continued to follow up on the status of the update for weeks and was unsuccessful. Thirty days past and finally I decided to report the company to the XXXX and I filed a complaint. After a couple back and fourth responses the company applied my missing payment to my Exeter Finance Account. As I was going through that ordeal the company again reported my account past due for XXXX & XXXX although I made my payment for XXXX was granted a three month extension for XXXX, XXXX and XXXX ( which I later found out was not true, I was only granted a two month extension therefore the CSR provided me false information ). I called again asking what was this about and was told this time that the wrong payment information was given and that my payment did not clear the bank. I have a letter from my bank as well as my bank statement for the month in question of the payment. Not only was there sufficient funds for the payment to have cleared the account, my bank has provided me with a letter stating that there was no attempt that came through from Exeter Finance to obtain payment. I repeatedly ask for Exeter to update my credit file as to not being past due because again as with my misapplied payment that caused this issue from the beginning there was clearly an issue processing my XXXX payment as well. I have been unsuccessful in getting this issue rectified. It is simply not fair that a company can make a mistake no fault to the consumer and there is nothing that the consumer can do to protect their credit history. I have actual documentation, all I have heard from them are words filled with inaccuracy but they have yet to provide me with the information of what account number they allegedly attempted to process my payment. It could have been a case of system or human error that process the wrong information, however that is no fault to me the consumer and I should not have to reap the negative consequence of it. I have the responses made from the company Exeter through the XXXX that are filled with errors of information of what took place and dates as well. I simply want the company to retract the reporting of XXXX XXXX payment being over 30 days past due. They have made several errors and this has gone way too far at this point with no resolution. In addition to all of this, after requesting a ledger of statement account of my payment history, it took the company over 45 days to send it to me. That was just unacceptable.
12/06/2023	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	FL 33063	Web
LATE PAYMENT SUBJECT : NOTICE OF DISPUTE AND REQUEST FOR LATE PAYMENT/CHARGE OFF REMOVAL DEAR DEAR XXXX OFFICE I TRUST THIS LETTER FINDS YOU WELL. I AM WRITING TO FORMALLY DISPUTE THE PRESENCE OF LATE PAYMENTS REPORTED BY YOUR ORGANIZATION ON MY CREDIT REPORT. I BELIEVE THESE LATE PAYMENTS TO BE INACCURATE AND UNJUST, AND 1 KINDLY REQUEST THEIR REMOVAL IN ACCORDANCE WITH APPLICABLE LAWS AND REGULATIONS. THE LATE PAYMENTS IN QUESTION ARE ASSOCIATED WITH THE FOLLOWING ACCOUNT -DATE ( S ) OF LATE PAYMENTS ) : XXXX, XX/XX/2019 until XX/XX/2019 I WISH TO EMPHASIZE MY COMMITMENT TO FAIR AND ACCURATE CREDIT REPORTING. THESE LATE PAYMENTS HAVE HAD A SIGNIFICANT IMPACT ON MY CREDIT WORTHINESS AND HAVE CAUSED ME UNDUE FINANCIAL HARDSHIP AND EMOTIONAL DISTRESS. IT IS MY UNDERSTANDING THAT YOUR ORGANIZATION HAS A RESPONSIBILITY TO REPORT ACCURATE INFORMATION TO THE CREDIT BUREAUS. GIVEN MY BELIEF THAT THESE LATE PAYMENTS ARE NOT REFLECTIVE OF MY PAYMENT HISTORY, I HEREBY REQUEST THEIR REMOVAL FROM MY CREDIT REPORT. THIS REQUEST IS MADE IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ) AND RELATED REGULATIONS. I ALSO WANT TO BRING TO YOUR ATTENTION AN IMPORTANT MATTER REGARDING OUR ORIGINAL AGREEMENT. THE ARBITRATION CLAUSE WITHIN OUR AGREEMENT OUTLINES A MECHANISM FOR DISPUTE RESOLUTION THAT WE BOTH AGREED UPON. IT IS MY SINCERE HOPE THAT WE CAN RESOLVE THIS MATTER AMICABLY AND AVOID THE NECESSITY FOR ARBITRATION, WHICH COULD RESULT IN SUBSTANTIAL COSTS AND FEES FOR BOTH PARTIES. UCC1-308 15 usc 1692B 16 usc 1666 THEREFORE, I PROPOSE THE FOLLOWING OPTIONS FOR RESOLUTION : OPTION XXXX : REMOVE LATE PAYMENTS I KINDLY REQUEST THAT YOUR ORGANIZATION PROMPTLY REMOVE THE LATE PAYMENTS FROM MY CREDIT REPORT, THEREBY RECTIFYING THE INACCURACIES AND ENSURING MY CREDIT HISTORY IS ACCURATELY REPRESENTED. OPTION 2 : INITIATE ARBITRATION SHOULD YOUR ORGANIZATION PREFER NOT TO REMOVE THE LATE PAYMENTS, I AM PREPARED TO INITIATE ARBITRATION PROCEEDINGS AS ALLOWED BY OUR AGREEMENT. THIS PROCESS MAY ENTAIL SUBSTANTIAL COSTS AND FEES, INCLUDING MY FILING FEE, YOUR FILING FEE, ARBITRATION INITIATION FEE, AN ARBITRATOR DEPOSIT, AND ANY LEGAL COSTS INCURRED DURING THE ARBITRATION PROCESS. I FIRMLY BELIEVE THAT AN AMICABLE RESOLUTION IS IN THE BEST INTERESTS OF BOTH PARTIES. HOWEVER, I AM FULLY PREPARED TO PURSUE ARBITRATION SHOULD THAT BE NECESSARY TO UPHOLD MY RIGHTS AND ENSURE FAIR CREDIT REPORTING. PLEASE RESPOND TO THIS NOTICE WITHIN [ 14 DAYS ] TO CONFIRM YOUR WILLINGNESS TO REMOVE THE LATE PAYMENTS OR TO EXPRESS YOUR INTENT TO PROCEED WITH ARBITRATION. YOUR PROMPT RESPONSE IS APPRECIATED AND WILL HELP FACILITATE A TIMELY RESOLUTION TO THIS MATTER. THANK YOU FOR YOUR ATTENTION TO THIS ISSUE. I LOOK FORWARD TO YOUR RESPONSE AND THE POSSIBILITY OF RESOLVING THIS MATTER IN A MANNER THAT ENSURES FAIR AND ACCURATE CREDIT REPORTING.
01/28/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TX 75035	Web
I am writing because I and co signer XXXX XXXX XXXX being XXXX for a fraudulent loan with Exeter XXXX. They creditor is causing me less than equitable opportunity to dispute the agreement with has violated the XXXX as well as XXXX. I have filed for arbitration with XXXX ( case number XXXX ) and have sent the company notice via certified mail. They are continuing to threaten my ability to obtain a job to survive and raise my family, which is threatening my housing and stability. Due to this unfair reporting that we have a balance owing that is currently in dispute and that payments are late. The vehicle is not in working condition as I demanded the pre sales inspection documents, none of the defects were listed. They include but are limited to collapsed motor mounts, PVC valves, etc.. which has further impacted my ability to perform in my independent business ventures. And seek employment, which I have been deemed ineligible due to this unauthorized use of my credit profile. I do not consent and was not given the Gramm-Leach Biley Act as I am just learning that I can decline this intrusive violation of my privacy. I was not given a recession document which is required by federal law. I was told that I was pre-approved for XXXX and when signing the retail agreement asked why there was an additional XXXX on the balance. I was told that it was a warranty, I asked " was this a condition of my approval since I was only offered XXXX '' the finance rep replied " yes, it is. '' I later found that he lied to us during finance transaction. I wrote the XXXX XXXX XXXX to complain. I was put on the phone with his superior in finance and he made light of this unlawful transaction and violation of my consumer rights. As he tried to explain the charges to me since I was unable to make an informed decision. We also gave a cash down payment on what was to be a credit transaction. We were not given a signed retail agreement at the time of transaction, it was unsigned and in an envelope. I had to write the XXXX XXXX XXXX to get a copy a month later when I was reviewing the agreement again for more fraud. We both were also given XXXX denials letters from varies creditors, when I gave no permission or signed no XXXX form authorizes my XXXX to be given. Which is identity theft, we did not consent to this as we were told I was pre approved. I would like Exeter to remove themselves from the XXXX XXXX XXXX, as I have sought remedy through administrative process from this unfair and abusive agreement, the was unclear and falsely marketed. Due to this I have had my consumer right violated, by means of TILA, DTPA, FCRA. I want the title to the vehicle in my name and any POA given revoked. I have many more emails trying to work with dealership in finding clarity in the agreement as all I see is clear violations of my rights.
06/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	CA 91932	Web
XX/XX/XXXX my father who is my co-signer filed bankruptcy. He DID NOT include my vehicle in his bankruptcy. My car loan company Exeter decided as of XX/XX/XXXX that they were going to report to the credit bureaus that my car was in my fathers bankruptcy. Also they put my account in their bankruptcy department refusing to give me any receipts of my payments and also not reporting to the credit bureaus of my payments Im making so my credit isnt getting any recognition of my payment history. Im the main applicant on my loan yet Exeter will not even recognize that and refuses to even change the lies they reported to the credit bureaus. I had filed a reaffirmation XX/XX/XXXX as asked by Exeter to get my car out of the bankruptcy status with Exeter but judge XXXX denied it because my car was not part of the bankruptcy so there was no point in a reaffirmation. As of XX/XX/XXXX my loan is now showing on my credit as closed discharged in chapter XXXX bankruptcy which is completely false. I have NEVER been late on a payment in fact Im a month ahead in payments. I gave a very LARGE down payment. I have reached out to Exeter countless times and they treat me as if I tried stealing my car like Im trying to get it for free through a bankruptcy always so rude and disrespectful to me. I have contacted my parents lawyers I paid them to file the reaffirmation and wasted that money being that there was really no need for it. The lawyers have argued with Exeter as well as XXXX who represented Exeter. I reached out to XXXX XX/XX/XXXX and was informed by XXXX that as of XX/XX/XXXX they no longer were representing Exeter and they cant help me fix the false information on my credit. XX/XX/XXXX my credit dropped 56 points the day Exeter reported my car was in bankruptcy status. Then XX/XX/XXXX my credit dropped 76 points the day they changed the report to discharged in chapter XXXX bankruptcy. This company has not only lied to credit bureaus but they have ruined my credit, they are lying saying my account is discharged in chapter XXXX bankruptcy, not reporting my payments to show good payment history on my credit, my credit score isnt going up at all from my good history with the company which is a huge reason when getting a car loan, also them refusing to give me receipts is pathetic, but how they speak and treat me is embarrassing especially when my account was never in my fathers bankruptcy. Exeter keeps telling me the only way to remove this now that the reaffirmation was denied and judge XXXX completely explained when it was denied was to refinance through another lender but I have tried and keep getting denied because the false information Exeter has put on my credit reports. When I reach out to the companys who I tried getting a loan through they explain because what Exeter has reported they cant give me a loan.
08/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32208	Web
I have always made on time payments until my step dad died from XXXX related illness and I ended up catching XXXX as well. Previously I would make multiple payments a month- even to principle before the pandemic hit hard I am very strategic about my credit. I also always call if I am having any hardship and keep open communication with my creditors. I ended up getting very sick and having to miss time from work. At this time I called around XXXX payment and inquired on an extension. I was told they would send my request to a supervisor. I got so sick I absolutely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. To this day I have not fully recovered. I called back in, around XXXX as I never received any confirmation online of my new due date. A rep told me I could not get an extension I remember telling them I spoke to someone who said I basically had gotten one. They said something about no recording being on file. I was upset and felt very confused but didn't feel well enough to escalate it. I made a XXXX payment more then my normal payment of XXXX which- I always pay more then my payment due. How unfairly I was treated because of a agents mistake or miscommunication caused me to call again about the extension later on. I mentioned how I was supposed to have an extension and requested another extension to catch up as i was under the impression in XXXX that for XXXX I was given a month extension, as I remember being asked about my ability to back back and them sending the request. Difference is This time We did the recording right then and there and I made sure I was no longer considered behind. I recently looked at my credit with all 3 reporting agencies To my surprise I was reported for 3 missed payments which is not correct and during all these different pandemics the last thing i need is my credit to be impacted especially due to agent error and miscommunication. I have called and asked to speak to someone about removing the late payments as i never had one before this error and asked if in good will they would remove it I was told to dispute i disputed and it was updated from 3 missed payments to 4!!!! I could not get any humanity or fair treatment about this matter, I was misinformed from the beginning and this has been added stress to my mental heath. Please remove the late payments as I made every payment before my due date or not exceeding 24 hrs of the due date, every month within the time period in question of XXXX XXXX of XXXX excluding XXXX XXXX XXXX as I believed I had a one month extension/deferment. It is not fair for me to be held responsible for a agent error all the late payment remarks including XXXX should be removed. Here is only one of the many screen shots I have Im hoping we can get this resolved.
06/26/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	XXXXX	Web
In XXXX XXXX I called my Vehicle loan department to ask if they Allow me too Take the Vehicle out of Country? I advised them I was a XXXX Veteran Moving too the XXXX XXXX, I was told over the Phone by the Rep she would have to request for it and I should be notified. In XX/XX/XXXX I called again and they said the same thing? I called back XX/XX/XXXX and the Rep that took the call Advised me I could not take the Vehicle out of Country, I told the Rep Fine I am doing a voluntary surrender Please come get the car I am Leaving in XX/XX/XXXX she said Ok! In XX/XX/XXXX I called Again because I seen it still open on my credit report the lady said I had too fill out forms to turn the car Back In I told the Lady I was XXXX XXXX I was not flying all the way back to the United States to Fill out a Form to do voluntary surrender if that was the cause why I was not informed when I called in XX/XX/XXXX and XX/XX/XXXX?. The Vehicle sat in the Apartment complex for 6 Months the Finance Company to even tried to get the car I voluntary surrender because I was not allowed by the Contract to take it out of the Country! I called again in XXXX XXXX From XXXX XXXX to see if they got the car Yet? I was told no and asked me for a number to get in contact with me I gave them my Cell Number here in the XXXX XXXX. Like 2 Days Latter I had an Investigator call me asking me where the Vehicle was and he Was Hired by Exeter to get the car back! I asked him why they did not get it back in XXXX when I did I voluntary surrender! He did not know and asked me for my Help! I told him my Wife also tried to turn it in and was told I had to fill out paper work Too before they could take the Car Back. I told XXXX the Investigator that I would personal go back to Texas and See if I could help find the Vehicle and at this point I did not Know because my and my wife was going through a rough time and I had not spoken to her for 3 or 4 Months at this point. I told him I looked at my Credit report and did not like the Fact that they put Missing Payments and add more to the Payoff! He said he understands and I bought a ticket to Texas trying to find the Vehicle I called all over and no one had it towed I final got ahold of my wife and she told me she droped it off at XXXX in XXXX! She did not tell me which one since we have been fightting I Called XXXX the Invesitagtor right away to let him know of the Information I had and what I was doing to try and find out what Dealer at Car Max she droped it off at? I left Texas on XX/XX/XXXX. and Still very upset they I the Consumer had too spend all my savings to go back to the States in order to help this company that did not care about this in XXXX XXXX and who has Put missing Payments on my credit report add more money too pay off is Crazy!
09/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28273	Web
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX, XXXX & XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
08/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30141	Web	Servicemember
I bought a XXXX XXXX XXXX in XXXX of XXXX. I gave my information to XXXX to run my credit, my information was sent to Exeter finance where my credit was ran and I was emailed the results, the email was a summary of payment basically what the contract was going to be, the original payment was supposed to be XXXX for XXXX months and the max care was already added to the payment, the APR for the loan was 21.53 % interest, the total, there are discrepancies on this contract I have spoken to an attorney about this situation, Exeter finance committed fraud, deceptive business practice, negligence, breach of contract, the email of payment summary should had match the contract, Exeter finance changed the term from XXXX months to XXXX months, and changed my payment from XXXX to XXXX a month, jack the total price over XXXX months to XXXX dollars I have filed fraud against Exeter finance to the FTC, the ftc is already fining used car dealerships and finance companies for price Gauging, Exeter finance has already been sued for the same problems Im facing I will seek and hire an attorney and take this to arbitration, I dont appreciate deception, changing the contract to get more money, thats taking advantage of a customer I do have proof, this proof was already looked at. And the financing added together from the email it doesnt add to XXXX dollars for 74 months but still Exeter finance changed the terms to get more money from 72 months to 74 months and changed my monthly payment I would be happy to go to court but if they want to settle this with me thats fine, j have no problem with me or arbitration, this shows that Exeter finance takes advantage of there customers, I was dealing with my mother XXXX in XXXX, being emotional and going through all that I was going through, I had time to go over this situation Im not happy and that mad, this company needs to be investigated I will file more with the FTC on this matter thats why laws are changing I can show the CFPB that Exeter finance has been sued and fined for this same situation Im going through, they can resolve this situation I will provide that email that I was sent by XXXX after getting the information from Exeter finance on the term of contract and payment, they made this car and payment so high because they wanted more money Im not excepting what they did to me, something personal I have experienced XXXX losses in my family my mom and step dad , I feel XXXX and Exeter finance took advantage and deceived me, correct this issue, I will send this information and all information to XXXX, I will not tolerate no company to commit deception as what Exeter finance has done, you have my complaint you can call me but up front your call will be monitored and recorded thank you.
11/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 231XX	Web
On XX/XX/2020 I received a payoff quote from Exeter for my automobile and I used it to refinance the car with XXXX XXXX. My XX/XX/2020 Auto payment was due on XX/XX/2020 & XXXX told me car would be paid off by XX/XX/XXXX. On XX/XX/XXXX I contacted Exeter because the payment from Ally looked like it had still not been processed by Exeter & I did not know if sending a payment would interfere with that process, but I knew I was approaching 30 days late - I didn't know if I was still being held to that due date or if they were aware I had refinanced and they were processing the payoff already. I was unsure of what I needed to do. The representative I spoke to advised me she would place an extension on the account and as long as they received it by the end of XXXX, I would not receive a delinquency. Between XX/XX/XXXX and XX/XX/XXXX I Continued to receive collection calls from Exeter and on XX/XX/XXXX I called Exeter again and spoke with another representative. I explained the situation again and asked again if I needed to send a payment. The representative again said they would notate the account. The account was paid off in full on XX/XX/XXXX, but then the first week of XXXX I received notification that I was reported 30 days late for my XXXX payment by Exeter. I called Exeter on XX/XX/XXXX to dispute this with them, because surely this must be a mistake since I asked them how to handle this before I was 30 days late and they told me I would not be marked late if they received payment from Ally by XX/XX/XXXX and they received payment from Ally on XX/XX/XXXX. Exeter opened a dispute and I just received the results and they reported to me that they found they reported the 30 days late correctly. This is absolutely egregious. Exeter is a sub-prime auto finance company and I accepted them as my lender after a bankruptcy with the intention of working towards refinance. I worked hard for many months by paying on time to rebuild my credit and be able to refinance with a different company at a better rate, only for them to ding me as 30 days late after they told me how to handle my payoff payment with my new lender. That is absolutely unfair. Now when I attempt to purchase a house I will have a recent 30 day late on my credit that is inaccurate. I need this removed - it is absolutely incorrect and unfair. Exeter 's phone number is XXXX. I have attached our XXXX cell phone records that reflect the calls I made to exeter on XX/XX/XXXX from my husband 's cellphone XXXX and on XX/XX/XXXX from my cellphone XXXX. Had the representative that I talked to on XX/XX/XXXX at Exeter properly put in my payment extension OR properly notified me to make a payment despite the pending payoff, this situation would have been avoided.
05/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60637	Web
Hello my name is XXXX XXXX, I am a victim of identity theft I've tried to resolve a debt with Exeter finance company about a debt is not owe to me and which turned into a collection with XXXX XXXX, I've submitted all of the documents that was asked for ( ex ). ID, ssn, police report, and affidavit, but in return the items came back verified but how is that when I never sign any documents or gave verbal permission to use my identity, I've asked Exeter and XXXX XXXX for a reinvestigation on my behalf, but they refused my request. this is the letter I've sent to Exeter and XXXX XXXX To : XXXX XXXX XXXX Contract Number XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX Dear XXXX XXXX XXXX XXXX Exeter Finance Co XXXX Pursuant to the FCRA & the FDCPA, I now exercise my lawful right to question the validity of this debt your agency claims has come due. Fair credit reporting act 609 disclosures to consumers : ( c ) ( 2 ) ( E ) : A consumer reporting agency is not required to remove accurate derogatory information from a consumers file, unless the information is outdated under section 605 or can not be verified. Fair Credit Reporting Act 611 ( a ) 1 ( A ) Procedures in case of disputed accuracy : ( a ) Re-investigation of Disputed information ( 1 ) Re-investigation required ( A ) in general. Subject to section ( f ), if the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or in directly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable re-investigation to determine whether the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, I demand to see a copy of the Verifiable, Validated so called proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by law are not considered proof, that you have on file for the account listed above Under the FCRA, unverified, invalid account must be removed. If you are unable to provide me with the original copy of the verifiable/validated proof that you have on file within 30 days from the receipt of this notice, for the account listed above then you at once remove the account from XXXX XXXX credit Report. I demand the account be verified or removed immediately! The law is very clear as to the Civil liability and the remedy available to me for the negligent noncompliance ( section 617 ) if you fail to comply with this Federal Law. Sincerely XXXX XXXX
02/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 34746	Web
On XX/XX/2023, I filed for a dispute on an auto loan account I have on my credit report. As of that same day, XX/XX/2023, that account was paid in full and I provided receipts showing that the account was paid in full. XXXX, the company investigating my dispute, finalizes my dispute today XX/XX/2023 and states that they updated the information but upon checking my report, they said for the month of XXXX, the account shows as charged off. Normally a final decision from the company that I have a credit line with does not finalize any decisions until the end of the month but they decided to say that its still delinquent and charged off when I paid the amount in full. I have proof of the receipts, confirmation codes, as well as bank account withdrawals from Exeter Finance that shows they took money out in a total amount of {$8100.00}. Specific days go as follows : - Friday, XX/XX/2023, a {$3000.00} payment was made to Exeter Finance as well as a {$2900.00} payment. In total, a {$5900.00} payment was made to Exeter Finance on XX/XX/2023. - Monday, XX/XX/2023, a payment of {$2200.00} was made to Exeter Finance. In total, with all payments made, it should add up to {$8100.00} which is the total amount Exeter Finance states I owed so as of XX/XX/2023, the account was paid in full and there should be no balance. I was also told that I should receive my title for the vehicle within 30-45 days which further states that the payments that were sent were finalized, accepted, and processed in their system to move on with the title process. XXXX reporting inaccurate information on my account and stating that the account is not paid in full when I provided them accurate information which comes straight from the Loan company in which I had a credit line with is most definitely an offense in regards to my consumer rights. According to 15 U.S. Code 1681A Sub Section 2 ( Exclusions ), the term consumer report DOES NOT include ANY REPORT containing information solely as to TRANSACTIONS or EXPERIENCES between the CONSUMER and the PERSON MAKING THE REPORT. Meaning, a transaction or experience with Exeter Finance such as a " Late Payment '' that could cause the account to become closed or charged off. That is considered an experience that Exeter Finance had with myself which is against my consumer rights for this information to be reported. Nothing under the Fair Credit Reporting Act requires ANY financial institution to furnish negative information to a consumer reporting agency. The damages this has caused has made other financial institutions such as XXXX XXXX, XXXX, XXXX, etc., deny me of credit because XXXX continues to report false information on my account which in term has decreased my credit even further.
03/27/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	MO 63031	Web
On XX/XX/XXXX I XXXX XXXX sent XXXX XXXX CFO of Exeter LLC an Endorsed bills of exchange and tender with instructions to apply the Principals Balance to the account # XXXX for set off. XXXX XXXX had 5 days to respond in which he did not. Again on XX/XX/XXXX I sent an Opportunity to cure for you not responding in the first 5 days addressed to XXXX XXXX, in which again he was sent Instructions ( tender ) and a copy of the endorsed bill to set off the account. Again CFO XXXX XXXX ignored the Opportunity to cure. It is against the constitution to ignore my right to credit. I sent CFO XXXX XXXX A copy of the federal reserve section 16 stating Bills of exchange is legal to use. XXXX XXXX has defaulted in his Obligations and duty to make sure my account was taken care of. It also states applications are exchanged for notes applied for, so i'd like for XXXX to apply those notes to settle the account. According to the Federal reserve act, This is Breach of Contract. XXXX XXXX has breached his fiduciary duties. All Im asking is for XXXX to Apply the principals balance to the account for set off. XXXX XXXX and Exeter is injuring me by ignoring my instructions to set off. Injuring me by denying me my rights. On XXXX XXXX Exeter received a security collateral ( The collateral security thus offered shall be notes, drafts, bills of exchange, or acceptances acquired under section 10A, 10B, 13, or 13A of this Act, or bills of exchange endorsed ) from XXXX XXXX, on XX/XX/XXXX XXXX XXXX CFO for Exeter received instructions to apply collateral to set off account, also received a bills of exchange endorsed. He also received a Power of attorney. XX/XX/XXXX he also received an Opportunity to cure. According to the federal reserve I can choose between Tier 1,2, or 3 in which Civil penalties apply. Tier 1 - is {$5000.00} a day for ignoring my first letter to apply principals balance and bills of exchanged Tier 2- is which violation, practice, or breach -- is part of a pattern of misconduct; sent an opportunity to cure and again he ignored my request. Seems like a pattern to me. Tier 3- knowingly -- commits any violation described in subsection ( a ) ; engages in any unsafe or unsound practice breaches any fiduciary duty and Breach of contract I will be going with tier 3 since XXXX XXXX CFO of Exeter is Knowingly violating my rights. Tier 3 is {>= $1,000,000} a day I'm owed by XXXX of Exeter until this matter is settled. I have sent XXXX a Notice of default. He has 5 business days from XX/XX/2023 to settle the matter. XXXX out the account and make sure it shows on my credit report. No late or missing payments. I want XXXX XXXX to respond in 5 days why he won't honor my request yet again.
06/30/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94124	Web
Damages have occurred to me as the original creditor and consumer. I believe EXETER FINANCE CORP violated GAAP law. I want the details of the alleged agreement this institution wrote in accordance with GAAP. I want to know how my promissory note was purchased if a loan has been issued. I want the original promissory note to see the stamps, to see if the proper endorsed party is receiving payment. If the EXETER FINANCE lent their money to purchase my promissory note, then I am testifying that the bank violated the law- GAAP . Per GAAP and Federal Reserve publications, two loans were exchanged. I lent the promissory note to the bank that funded the loan back to me. The loan from me to the bank is the deposit of the promissory note. GAAP requires that the bank match a new bank liability with my name on it showing that the bank owes me for the deposit they accepted from me just like they do when I deposit cash into my checking account. Bookkeeping entries will say that if I withdraw my money the bank lent me nothing. The contract says the bank lent me money, but the bookkeeping entries say the bank accepted my promissory note as new money, as a deposit, just like depositing cash into your checking account. My signature can not testify that the bank lent me the banks money to purchase my promissory note, but the bookkeeping entries prove that they lent no money to purchase my promissory note. If I lent the bank money as a deposit, the bank accepted the money from me, the bank never gave up one cent of its money. The bank accepted money from me and deposited it which is the opposite of lending me money. If I lent the bank money and they never returned the same value back to me, then my note has been stolen and this contract is illegal. I Entered a dealership for a consumer credit transaction to extend credit to myself as the original creditor. I was misled as to who the original creditor would be. This contract was illegally assigned to EXETER FINANCE without my consent. No right of rescission paperwork has been conspicuously given to me and is not included in this contract. I was never given the option to include insurance in the finance charge. The finance charge is the sum of all charges and many misrepresentations of the finance charge is embedded in this contract. EXETER FINANCE committed fraud and identity theft. Fraud and identity theft renders any contract void. This contract is void. I claim full possession of the property, demand the pink slip mailed to me, all payments directed back to me by check and civil liabilities for federal law violations. I have a right to privacy and fair debt collection practices. My consumer rights are being violated.
06/30/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94124	Web
Damages have occurred to me as the original creditor and consumer. I believe EXETER FINANCE CORP violated GAAP law. I want the details of the alleged agreement this institution wrote in accordance with GAAP. I want to know how my promissory note was purchased if a loan has been issued. I want the original promissory note to see the stamps, to see if the proper endorsed party is receiving payment. If the EXETER FINANCE lent their money to purchase my promissory note, then I am testifying that the bank violated the law- GAAP . Per GAAP and Federal Reserve publications, two loans were exchanged. I lent the promissory note to the bank that funded the loan back to me. The loan from me to the bank is the deposit of the promissory note. GAAP requires that the bank match a new bank liability with my name on it showing that the bank owes me for the deposit they accepted from me just like they do when I deposit cash into my checking account. Bookkeeping entries will say that if I withdraw my money the bank lent me nothing. The contract says the bank lent me money, but the bookkeeping entries say the bank accepted my promissory note as new money, as a deposit, just like depositing cash into your checking account. My signature can not testify that the bank lent me the banks money to purchase my promissory note, but the bookkeeping entries prove that they lent no money to purchase my promissory note. If I lent the bank money as a deposit, the bank accepted the money from me, the bank never gave up one cent of its money. The bank accepted money from me and deposited it which is the opposite of lending me money. If I lent the bank money and they never returned the same value back to me, then my note has been stolen and this contract is illegal. I Entered a dealership for a consumer credit transaction to extend credit to myself as the original creditor. I was misled as to who the original creditor would be. This contract was illegally assigned to EXETER FINANCE without my consent. No right of rescission paperwork has been conspicuously given to me and is not included in this contract. I was never given the option to include insurance in the finance charge. The finance charge is the sum of all charges and many misrepresentations of the finance charge is embedded in this contract. EXETER FINANCE committed fraud and identity theft. Fraud and identity theft renders any contract void. This contract is void. I claim full possession of the property, demand the pink slip mailed to me, all payments directed back to me by check and civil liabilities for federal law violations. I have a right to privacy and fair debt collection practices. My consumer rights are being violated.
08/06/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	AL 361XX	Web
To whom it may concern My name is XXXX XXXX XXXX on XX/XX/2021 I visited XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, Al XXXX. I visited the dealership in a bind and crunch to purchase a vehicle. I test drove a couple of cars and eventually was informed that I was financed for a brand new XXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX ). I was rushed into the finance office and given a speed summary of the contract and finance company. As I would later come to find out after the cars transmission went out less than two weeks later. I had just signed a contract with Exeter Finance LLC at XXXX XXXX XXXX XXXX, Tx XXXXThe contract details really begin to come into reality for me that I had just signed away my life and have entered into a nightmare. The APR ( Annual Percentage rate ) is 28 %. Which first violates the Alabama law and code of Title 8 ( Commercial Law and Consumer Protection ). The Finance charge of {$22000.00} exceeds the amount of my car which is {$20000.00} to equal a total payment of {$42000.00} and a total sale prince including a down payment ( {$2200.00} ) of {$45000.00}. The contract was financed for a number of XXXX payments at XXXX Monthly with a late charge of {$18.00} or 5 % plus daily interest. I have since made a total of XXXX payments on the contract totaling ( {$9500.00} ) with XXXX extensions due to hardships ; and I still owe the original amount borrowed of {$20000.00}. on top of that the transmission has gone out twice. This loan is a prime example of predatory lending from subprime auto lenders that take advantage of every day citizens. It also violates multiple laws of the Alabama code and takes light of Alabama lawmakers It currently violates. Title 8 Chapter 8 ( interest and usury ) Section 8-8-1, Section 8-1-2, Section 8-8-12, section 8-8-10, section 8-8-5, Section 5-19-3, section 5-19-4 and many more. Exeter is very aware of the unconscionable interest rate as they have just settle lawsuit 's with the Attorney General of Massachusetts for the very same thing. And recovered of {$27.00} XXXX dollars and got the loans canceled and wiped off of the the consumers credit for the state. I know that Alabama sits in the same position to do the same thing for the consumers of Alabama. To show subprime auto lenders that seeks to take advantage of the Alabama consumer that we won't stand for it. I am seeking relief from this unconscionable, high interest rate, and usury contract under the laws of the Title 8 in Alabama Commercial Law and Consumer Protection. I have also emailed the contract to go along with this complaint. I am seeking the aid to get relief for myself as well as anyone else affected by this illegal practice.
07/31/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Seized or attempted to seize your property	FL 33321	Web
I was harassed and threatened by Exeter Finance LLC that my personal property ( vehicle ) would be repossessed. Several months prior to sending Exeter Finance Company some paperwork certified mail on XX/XX/XXXX I have been constantly harassed and threatened by phone from Exeter Finance that my vehicle would be repossessed. On XX/XX/XXXX I sent Exeter Finance LLC certified mail with the following documents, 1. Affidavit of truth, 2. A Debt Validation Letter, 3. A Cease and Desist letter, and some of the harassing phone calls records. As of XXXX XX/XX/XXXX. I havent received any response to the info that I sent them. On Tuesday XX/XX/XXXX around XXXX late evening my wife alerted me that some men were outside in my driveway getting ready to tow my XXXX XXXX XXXX. XXXX in color. I went out to see what was going on. The lead guy told me that the bank told them to come out and repossessed my vehicle. I ask the gentleman to see a repo order. He said he didnt have to show me anything. I also asked if he notified the local police. He then stated that I didnt have to notify them. I told him that I sent the finance company some paperwork, Notice to Cease and Desist, Debt Validation letter and and affidavit of truth. He stated He didnt care what I sent them. He was there to take the vehicle. I tried getting into my vehicle but prevented me from going into my vehicle as he and three other guys stood in front of my vehicle in my driveway. He said the only way that he would allow me into my vehicle is if I would turned over my keys to him. So in fear of not getting hurt from these four guys I gave him my key. He then towed my vehicle out of my driveway on the side of the road to let me get some of my belongings out of the vehicle. I got some of my belongings out of the vehicle. I also took of my license plate off the vehicle. I asked what repo company they work for but they never identified what company they worked for. They hook and chained down my vehicle and left the area. On XX/XX/XXXX I got a letter from Exeter Finance Company which says NOTICE FOR PLAN TO SEL PROPERTY. I called Exeter Finance on XXXX XXXX to ask if they got my certified mail which was signed for on XX/XX/XXXX. The representative stated that they have no records of getting any mail from me. I told her that I sent them certified mail containing 1. Affidavit of truth 2. Debt Validation letter 3. Cease & Desist letter and also all of the harassing records and as off todays date XX/XX/XXXX, I havent gotten any response regarding the matter. She didnt respond to the questions that I asked her. She hung up the phone after I got through asking questions.
01/19/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	OH 45238	Web	Servicemember
On XX/XX/XXXX and possibly XX/XX/XXXX ; I contacted Exeter Finance regarding my payment I made of {$660.00}. I was told by the Exeter Finance customer service representative that Exeter Finance had received my payment and it was good and I was not late on my XX/XX/XXXX payment. On XX/XX/XXXX, Exeter Finance sent me an email stating my payment did not clear. I immediately paid {$600.00} on XX/XX/XXXX via the Exeter Finance website and it cleared with my bank. I had the money in my account so I do not understand why the first payment did not clear my account. I checked my credit report and saw that it stated that I had a late payment on XX/XX/XXXX and my credit score decreased. When I contacted Exeter Finance, they told me I was late on XX/XX/XXXX and I explained to them that Exeter Finance told me on XX/XX/XXXX that my payment was not late. I continued to call Exeter Finance between the dates of XXXX XXXX XXXX speaking to them about removing the late payment for XX/XX/XXXX from my credit report. On XX/XX/XXXX ; Exeter Finance decided to give me an extension for XX/XX/XXXX and also said that because they gave me the extension on XX/XX/XXXX it was too late to remove the late payment for XX/XX/XXXX from my credit report. I have been making my payments on time for over a year despite the fact that I'm unemployed. Every time I spoke to an Exeter Finance customer representative, I explained to them that I am currently unemployed and I only get paid once at the end of the month ( payment on the XXXX of each month ). I have requested Exeter Finance to remove the late payment for XX/XX/XXXX from my credit report because I was told by Exeter Finance that my payment was not late. Exeter Finance waited until XX/XX/XXXX to inform me that my payment was late. If Exeter Finance told me on the XX/XX/XXXX phone call that my payment was late, I could have made the payment on XX/XX/XXXX and not been late. I continued to call Exeter Finance between XXXX XXXX XXXX to get the late payment removed from my credit report. On XX/XX/XXXX, Exeter Finance gave me an extension for XX/XX/XXXX and show it as current on my Exeter Finance account but it shows late payment on my credit report. Exeter Finance will not remove the late payment for XX/XX/XXXX from my credit report because Exeter Finance waited until XX/XX/XXXX to give me an extension for XX/XX/XXXX. Exeter Finance told me that because I received the extension on XX/XX/XXXX it was too late to remove the late payment from my credit report. I had called Exeter Finance between the dates of XXXX XXXX XXXX to get them to remove the XX/XX/XXXX late payment from my credit report.
06/07/2017	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	CA 94545	Web
I had a car loan from Exeterfinance company. I payoff my car loan at last Wednesday ( XXXX XXXX ) and I called and required Exeterfinance company to release my tittle ASAP. The customer service told me they already submit my reqeatment and I will be able to go to DMV to get my title around Friday ( XXXX XXXX ). Then I went to DMV on XXXX XXXX to get my title but I was told by DMV that I need to call Exeterfinance company to release my paperless title in order to process my title. I called Exeterfinance company at XXXX and I talk to the customer service representative XXXX tell her I need them to release the paperless title for me. She said her already submit my case I will be able to get a fax about the release paperless title in next few hours. Therefore I was waiting for the fax from XXXX to XXXX after that. But utill XXXX I still did not receive the fax then I called the Exeterfinance company again at XXXX this time the customer service told me usually the fax will takes 24hours to finish they are sorry for the incorrect information etc. I was very upset, disappointed and frustrated. That was my fourth call to require my title release after I payoff my loan and they keep lie to me. This is unbelievable, unprofessional, and incredible. But I have anything to do just keep waiting until today after 36hours they told me I will be able to get the fax about they release my title but I still did n't receive the fax. Therefore I had to call them again this XXXX. I called three times the first two time they were very rude they said because I 'm in California so I will not be able to be release my title until 10-15days. Then I told them to listen all the phone calls I had make in the past days and they will know what representatives were telling me about the lien release and what did they promise me when I am going to get my lien releasing documents and I also told them I want to record the phone call in order to save evidences that to protect my rights. After I said I want to record the phone call the manager she hung up my phone call right the way. I was shock and sad. How can they treat the customer this way? I 'm in California that I can get my title release even fast via the electronic system which was the DMV told me the Exeterfinance will be able to release the paperless title for me right the way. I just need my title back after I payoff my loan. How can they not willing to do it and keep lie to me? I hope someone from the Government can help me with this. I need to get my title back I 'm living in California state. I have the right to require my title back after I payoff my loan. Thank you.
05/18/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CA 94124	Web
On XX/XX/2021 I mailed ( mail number XXXX ) an affidavit of truth stating facts, under the penalty of perjury, what consumer violations EXETER FINANCE committed. I also requested Debt Validation pursuant to 15 USC 1692g, an audit trail according to GAAP standards, a Cease and Desist letter pursuant to 15 USC 1692c, and exhibits that displayed only a few of the many EXETER FINANCE VIOLATIONS. I filed a CFPB complaint ( XXXX and XXXX ) and an FTC complaint ( XXXX ) in regard to this matter. I filed a complaint with the OCC ( Transaction ID : XXXX ) as well.The mail I sent to EXETER FINANCE was received on XX/XX/2021. EXETER FINANCE did not validate the alleged debt whatsoever. They still have not produced any documentation, contract or agreement that validates this alleged debt as of XX/XX/2021. They violated my Cease and Desist by not only calling me at unusual times and places, but also leaving me voicemails using profane and obscene language. My phone number is in the do not call registry. EXETER FINANCE mailed me postcards and billings to my personal address after receiving the cease and desist letter. and EXETER FINANCE further infringed upon my natural born consumer rights by still reporting to consumer reporting agencies in violation of the cease and desist and without validating this alleged debt. It has now been almost 60 days to which this company has been notified of their violations and instructed in my enforcement as the consumer and original creditor. They refused to provide paperwork for the rights to rescission as outlined in TRUTH IN LENDING ACT. There is no contract or agreement between myself and EXETER FINANCE. They stole my identity, committed fraud and are illegally billing me without my consent. They are in violation of 15 USC 1601 TRUTH IN LENDING ACT, 15 USC 1681 FAIR CREDIT REPORTING ACT and the 15 USC 1692 FAIR DEBT COLLECTION PRACTICES ACT. If EXETER FINANCE feels otherwise then they should have the President, owner or major shareholder swear under the penalty of perjury that what is true or untrue. It has been past 30 days without validation and the infringement of my rights continues to this day and is causing me great pain. EXETER FINANCE recently reported to the credit reporting agencies and defamed my character in direct violation of federal law. I have a right to privacy, fair, accurate reporting and fair debt collection practices. I demanded proof to this alleged debt, to which nothing has been provided. EXETER FINANCE is blatantly, and unequivocally, disregarding federal laws, being willfully non-compliant and being grossly negligent in many instances.
02/03/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 43227	Web
I have carefully reviewed my credit report and notice there were some accounts that are not mines, inaccurate and will need to be removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : Here are the inaccurate accounts : Exeter Finance, LLC. # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, # XXXX ), XXXX XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX ), XXXX XXXX XXXX ( # XXXX, # XXXX ) XXXX XXXX XXXX # XXXX, XXXX. XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX Bur # XXXX. Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX Solutions # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX ( # XXXX, # XXXX, XXXX XXXX # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to report to my credit report 2 times is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization.1. Please provide breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical information to you. I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX Ct XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Unknown inquiries : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
11/08/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	NJ 08861	Web
I am writing to formally request the validation of a debt, which you have been attempting to collect from me. I am doing so in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), and ( FCRA ), 15 U.S. Code 1681b. I dispute the validity of this debt and require you to provide documentary evidence to substantiate your claim. Please ensure that this validation process is carried out in compliance with the FDCPA. I demand that you provide the following information, one by one, in a clear and concise manner : 1. Documentation proving the original creditor 's name and contact information. 2. A complete account history, including details of all transactions. 3. Any written agreements or contracts related to this debt. 4. Proof of the alleged debt amount and how it was calculated. 5. Documentation showing that you are authorized to collect this debt. In addition, I am specifically requesting the following items to further validate the legitimacy of this debt : A promissory note or any written instrument that outlines the terms and conditions of the alleged debt, signed by all relevant parties. Proof that your agency holds a valid collateral interest in my property. Please provide documentation supporting this claim. I must also emphasize that I have not given you authorization to report any account related to this debt on my credit report. If you proceed to report it, I believe you do not meet any of the permissible purposes outlined in 15 U.S. Code 1681b for accessing consumer reports. Thus, I insist that you cease any attempts to report this debt to the credit reporting agencies. In your response to my previous communication, you alleged that I had sent fraudulent documents without providing any evidence to support your claim. I want to reiterate that these allegations are baseless, and you have not substantiated them in any way. It is essential to resolve this matter through factual evidence and adherence to legal procedures. Please be advised that this letter serves as a notice of default. I have not received a satisfactory response to my previous inquiries, and your failure to validate the debt or provide verifiable information is a breach of my rights under the FDCPA. Also to make it clear I am the only lienholder of the property. Now proof that you have a collateral interest for my property. A security has been sent to the trustee For presentation to the United States Treasury, for redemption or in exchange for securities of a new issue, in accordance with written instructions submitted by ( Transfer Agent )
05/07/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	CA 91405	Web
According to California Law my the repossession that took place by Exeter Finance was illegal. Exeter Finance violated law by breaking into a my locked garage, and that makes it a wrongful repossession. I woke up on XX/XX/XXXX on my way to work and realized my vehicle was gone. Because the garage is locked and you must have a remote to enter I immediately called my office and asked was my car towed for any reason. I was told no. I immediately called Exeter Finance to see if they towed my car and I was informed it was reposed and I was given an address where I can retrieve my belongs. I updated my address on file with Exeter ( The same address that they took the car from ) I was told I would receive something in the mail on how to move forward. I never received any call or mail. I call Exeter in XX/XX/XXXX to see if there were any updates and I was told my car was not sold. I informed Exeter that I had not received any mail and verified that they had the correct address. In the end of XX/XX/XXXXI received a update on my credit report that the balance had decreased I assumed the car was then sold, the balance decreased from {$12000.00} to {$10000.00} -- - so apparently the car I was paying {$12000.00} was sold for somewhere around {$1500.00}. Again I never received any notices or phone calls. I was never given the opportunity to cure my debt after repossession, I was never given the opportunity to buy back the vehicle nor was I given any information about the sale of the vehicle. I again called to see if my information was correct and to see what the status was and I was told that according to the system my car was not sold. In XX/XX/XXXX I received another update to my credit report stating the account was closed and charged off as bad debt. I immediately wrote a letter to Exeter asking for documentation of any correspondence and asking why I was never contacted due to the fact I got no response with the phone calls I wanted to document it this time. I sent a certified letter in XX/XX/XXXX that was received and today is XX/XX/XXXX and I have yet to receive any letter or phone calls from Exeter. According to the state of California Exeter has violated my breach of peace, I was not given the opportunity to reinstate the loan per California law. I was not given or sent any post repossession notices. Exeter has not communicated with me about this situation yet they keep re-aging the debt on my report the last updated on my credit was XX/XX/XXXX after the letter I sent them was received. This situation has cause me great stress and turmoil.
02/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 850XX	Web
Exeter Finance has continued to be untruthful about the status of my account by reporting that there is a balance due of {$1600.00} and that the account is in a charge-off status. The account was settled in full last year in XX/XX/2020 and I was told it would take time for the status to update on my credit report. I called back to follow-up on the status of my account about every two weeks since then and was told to keep waiting as the account would be closed. After two months, i disputed the account as inaccurate status with the XXXX credit bureau and had to wait 30 days for the investigation to take place. 30 days later the investigation was complete and they were able to confirm with Exeter that my account was still active and that I had a balance of {$1600.00} due immediately and the account was charged off. All of this was continuing to be updated monthly on my credit report even though we had an agreement in place and they already took my money. I continued to call every other day in XXXX to ask why this was being reported when we had an agreement in place and the account was already settled. I finally spoke with someone who acknowledged that the account should have been closed out in their system long ago, but they could not tell me why this was the case. It took them getting a manager involved ( XXXX XXXX ) to comprehend their own information showing the account should have been closed already. I was then able to request a letterhead proof of my account status be emailed to me since they offered nothing and I had to ask for everything myself. The manager ( XXXX XXXX ) called back a week later to thank me for my time. The damage has already been done to my credit as I have a job that requires I do not have unexplainable debt on my credit report and I am now without a vehicle since I am not able to obtain a new vehicle loan due to apparently still owing Exeter Finance for a vehicle that was totaled over a year ago in a hit and run accident, which they for some reason were also not trying to collect and never reached out to me to pay this mysterious past due balance. I fail to understand why I had to invest any time at all into this situation and was not given any explanation as to why this occurred. As of today, Exeter is still reporting inaccurate information to my credit report simply because they are allowed to as that is how the system is designed to work. Whatever the creditor states must be accurate, so I unfortunately have to face the consequences of their lies and jump through hoops in an attempt to resolve their errors.
08/19/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 303XX	Web
On XX/XX/XXXX I was misled and coerced to sign a contract thinking it was to receive an auto loan for a car. I was ignorant to the laws that protect me as a consumer and I tried to correct the error and as a result my rights were violated even more. Exeter after receiving my securities, signature, unlawful down payment, additional payments on top of an extension of credit, and after a cease and desist letter was sent still charged off my account and repossessed my car. I received a welcome letter after signing the negotiable Instrument releasing my securities and was misled by Exeter to believing they were lending me money when in fact they purchased my note and monetized it. XXXX requesting to see the securitization audit and XXXX XXXX report for this transaction. I was charged a finance charge which is unlawful. The finance charge should have been credited to me and should have covered the purchase pursuant to 15 USC 1605. The finance charge does not include a charge type payable as cash so why was I required to put down {$3000.00} in order to receive the loan? There was no transparency of the credit application process pursuant to 12 CFR 360.6 ( XXXX ) I was an applicant pursuant to 12 CFR 1002.2 ( f ) and was approved for the extension of credit. XXXX Exeter tried to collect on this extension of credit they are in violation of the RICO act. Specifically sections 664 ( relating to embezzlement from pension and welfare funds ), sections 891and 894 ( relating to extortionate credit transactions ), section 1028 ( relating to fraud and related activity in connection with identification documents ), section 1029 ( relating to fraud and related activity in connection with access devices ), section 1341 ( relating to mail fraud ), section 1343 ( relating to wire fraud ), section 1344 ( relating to financial institution fraud ), ( relating to forgery or false use of passport ), 1951 relating to interference with commerce, robbery, or extortion ), section 1952 ( relating to racketeering ), section 1956 ( relating to the laundering of monetary instruments ), section 1957 ( relating to engaging in monetary transactions in property derived from specified unlawful activity ), section 1958 ( relating to use sections 2312 and 2313 ( relating to interstate transportation of stolen motor vehicles ), sections 2314 and 2315 ( relating to interstate transportation of stolen property ) Please see attached documents below, the affidavit, bill of particulars, rights of recision, and the negative remark they are communicating on my credit file.
04/16/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CA 92376	Web
I submitted a complaint on XX/XX/XXXX after speaking with a representative, and asking for a settlement, they refused, then responded to my complaint stating they extended a settlement offer, however they have not tried to contact me once since the initial date in which I spoke with them, they then responded to my initial complaint stating to contact them to finalize the settlement offer of XXXX approved on XX/XX/XXXX per their response to me via this portal, and they refuse to have anyone call me back. I called XX/XX/XXXX, never received a call back on XX/XX/XXXX as stated in their previous response. I called XX/XX/XXXX after reading their response to CFPB, and was told i would receive a call back, and never did. I am now on the phone XX/XX/XXXX at XXXX PST and was told I will receive a call back, but they have no idea when I will. I just want to pay the {$11000.00} they agreed upon in my previous complaint, but they have sent no formal settlement offer to my email address on file, nor have they tried to call me at XXXX - I am asking for them to send me via email to XXXX or XXXX a copy of settlement offer, and allow us transfer funds, or set up a payment immediately to finalize settlement offer. Original complaint below XX/XX/XXXX Purchased vehicle for XXXX, at interest rate of 19.35 % with sub-prime lender Exeter Finance, located in XXXX Texas, Promised by finance officer that we would be able tor refinance, however actual value of vehicle was never the amount that was listed, and due to several mechanical issues, and failure with engine, it made it impossible to refinance this vehicle. Requested assistance XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and no options made available by Exeter and was told I would have to complete 72 payments on original contract and there is no reprieve that can be provided, even based on the current value of vehicle. Current vehicle is worth less than the settlement offer, they have received total payments in the amount of XXXX well exceeding the amount of the loan originally financed, and am hoping they will take the little amount I have and settle on this debt so i can move on with my life. This is a predatory loan, with no exit. Refinance, is impossible as it would require the difference of what is owed on this underwater XXXX. I have done my best to comply with the awful interest on this loan, despite now being qualified for better financing, and a better rate on a brand new vehicle, however the purchase of this vehicle and terrible interest haunt me.
07/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30092	Web
On XX/XX/XXXX, I got a call from my relator asking me if my husband and I had any additional cars because he was showing an outstanding Loan from Exeter Finance for a XXXX, that XXXX XXXX was listed on the loan. I told him I had no idea who this person was, what the loan is, and I have never had a XXXX. I contacted Exeter Finance and was advised that the loan was opened XX/XX/XXXX at a car lot in Kentucky. I advices them that I live in Georgia and on this date, I was in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, so it was impossible that I was in Kentucky at a car lot opening up a loan. They asked me to send a police report, identity theft affidavit, my drivers license, social security card, letter stating what I already told them, and a letter from my doctor. I did all of this, and not even two weeks later I received a letter from Exeter stating that they validated this account as valid. I called and let them know that I needed to see the supposed loan documents that I had signed at this lot in Kentucky because I know for a fact I was in the hospital, and I proved it to them. I told them I would send in my medical records, because this would definitively prove where I was at the time, and that I didnt open up this account. They got my medical records which show I couldnt have opened up the account, and still refused to remove it. I provided all of the same proof to XXXX, XXXX, and XXXX. XXXX and XXXX promptly looked at the proof and medical records, and removed the account. XXXX refused. I called XXXX four times about this, and they were no help. The last time I asked to speak with a supervisor. I recorded the call this time. I spoke with someone named XXXX ( I am sure this is not his real name, as this is a XXXX XXXX call center- I could tell by everyone talking in the background ) he told me to dispute it again. I asked him what good it would do because you have all the proof and continue to deny it. He told me unless Exeter removes the account XXXX will not be helping me. I also have a XXXX XXXX because I suffered XXXX XXXX, so it takes me a while to get my words out, and he was really rude. He told me if I sound like this I should not even call someone, I should write or email. I told him that I did not appreciate that, and that Ive already wrote them numerous times, with no help. I advised him in XXXX does not remove this, I will have to end up filing a lawsuit, he said he didnt care and hung up in my ear. I can prove everything that I am saying, and I want this account removed at once.
10/22/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	OH 44128	Web
Exeter Finance charged me an extra {$140.00} on my XX/XX/XXXX car payment. My monthly payment is {$390.00}. XX/XX/XXXX was {$510.00}. I made a double payment in XX/XX/XXXX to make sure it was caught up, the amount owed in XX/XX/XXXX was {$790.00}. So on XXXX XXXX I paid {$400.00} and on XXXX XXXX I paid {$290.00} ... .zero balance. When I called today XXXX XXXX to inquire why I was being charged, one lady asked if the car was repossessed or impounded. I told her no. Then she transferred me to someone else who stated the car was repossessed or had have been impounded. Again I said no. I told her that I have set up an auto withdrawal for XXXX/XXXX/XXXX to pay for XX/XX/XXXX and XX/XX/XXXX car notes but wanted to know why my told bill is {$920.00}. She told me she was unable to see my XX/XX/XXXX payment or bill so she was not able to say rather or not I paid {$790.00} ... .I was looking at both online. When I told her I was looking at my payment history she then stated that when you call in your payments they do n't tell you you owe late or misc. fees. When I said I only pay on line she switched and said the online account does not tell you about late fees. When I told her I 'm again looking at the payment screen which tells me of these extra charges that was also calculated into the amount due she told me no it was not showing me that. I then told her that I always pay the late fees and this was the first time in 2yrs they 've ever done this. She then said the {$140.00} fees were an accumulation of unpaid late fees. The more I continued to ask she then told me I was not listening and would not let her talk. She continued to repeat herself over and over never explaining why I have been charged extra. I have all of my bill statement and took pictures of the payment history since XX/XX/XXXX ... .if you try to print the pages are blank. I also recorded this conversation. This is the second time they have taken advantage of me. A few months ago they took an extra {$790.00} out of my account after I paid {$790.00}. There were XXXX different dates and confirmation numbers. When they acknowledged they took it out they blatantly refused to return the extra money and my bank had to reverse the payment. I am terrified this company will do something tragic to me regarding my car and finances ... ... based on their actions. Please investigate them. Their are others they are hurting and I may have to end up suing them for fraudulent charges they can not prove otherwise. Thank you
04/01/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA 90813	Web
Notice of billing error ( XXXX XXXX XXXX ) Was sent of to Exeter Finance XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX I have noticed several billing errors in the Truth-in-Lending disclosures section of the Retail Installment Contract and Security Agreement. The first one being the number of payments as well as the number of payments seems to be inaccurate on the Payment Schedule. XXXX XXXX XXXXXXXX ( d ) which describes a purchase money loan in regards to the truth in lending disclosure is defined as : A cash advance which is received in return for a finance charge within the meaning of the truth in lending act and regulation z, which is applied, in whole or substantial part, to purchase of goods or services from a seller who ( 1 ) refers consumes to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. Under regulation Z also known as truth-in-lending the itemization of payments should mirror the finance charge amount as it is the dollar amount the credit will cost me. The next billing error is the down payment on the itemization of amount financed. Is in violation of XXXX XXXX on the Contract bill state that XXXX was the Buyer and the Creditor XXXX ( c ) The down payment may not include any trade-in, discount, rebate, credit, deferred payment, post-dated check, or promissory note to the supplier or contractor. The next billing error can be seen on the amount of credit provided to me or on my behalf. There is no authorized representative other than the appointed attorney-in-fact by the consumer to receive any credits on behalf of the consumer. I am demanding additional clarification including documentary evidence of the procedures used to come up with these itemized amounts in accordance with Generally Accepted Accounting Principles ( GAAP ). These billing errors may be assumed to be a willfully intent on misleading and or deceiving the consumer of the character/ amount of any debt XXXX XXXX XXXX XXXX. All debt obligations and securities are owed to the United States XXXX XXXX XXXX. they had also close my account in XX/XX/2022 i sent several notice before i had demand a validate my debt to see both-side of the ledger, RESIND my signature i was told that i cant get those in formation by mail. So i am demanding for this to be remove off all XXXX my Credit Bureau before there was at fault in every way. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ]
07/08/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 297XX	Web
This is the 2nd complaint that I am submitting against this company. I received a message from my lifelock acct that Exeter Finance has placed a late payment for the month of XX/XX/XXXX on my credit report. I have never been late with making any payment to this account. I have issues with the company ever since the total loss of this car XX/XX/XXXX. ( you can reference my previous complaint that was filed about two weeks ago ). This letter is in regards to the late payment that Exeter Finance is showing for XX/XX/XXXX. I have never been late paying my car loan with Exeter and I have the documentation attached to support this error. On XX/XX/XXXX, I totaled loss my XXXX XXXX XXXX. I had full coverage with XXXX XXXX as well as GAP coverage with XXXX XXXX. My insurance company sent in a payment to Exeter for the amount of {$13000.00} ( which is the amount they stated the car was worth ). This payment was received by Exeter the end of XX/XX/XXXX. My XX/XX/XXXX payment was due on XX/XX/XXXX I was advised that even though they received a payment from my insurance company I would still need to make an XX/XX/XXXXpayment. On XX/XX/XXXX I made that XX/XX/XXXX payment. After I made that payment, XXXX XXXX them sent another check in the amount of {$690.00} ( see attached ). My GAP company then submitted another payment for the remaining balance of {$3200.00} on XX/XX/XXXX and it was received by Exeter on XX/XX/XXXX. Exeter did not apply that payment until XX/XX/XXXX after I had to file a compliant and escalate this matter to the Office of the President for Exeter. They stated that because of all the payments that have come in, they need to remove the payment I made on XX/XX/XXXX, the payment that XXXX XXXX send for {$690.00}, and the GAP payment of {$3200.00} because they needed to apply the GAP payment first because they could not charge interest on that payment. This has been a nightmare dealing with Exeter. I received an overage payment from Exeter on XX/XX/XXXX in the amount of {$1100.00} for an overage. Not one time have I reached a 30 day late mark with Exeter and the paperwork attached is here to prove my case. This is only reporting on my XXXX credit report and it has cause my credit score for XXXX to decrease by over 50 points all because of their horrible computer system and their negligence. My credit score need to have the 50 points added back and that negative late payment removed ASAP. Thanks, XXXX XXXX
07/23/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	AR 722XX	Web
Exeter finance has now lied XXXX times they refuse to fix anything they mess up and dont honor anything they say first in XXXX on XXXX/XXXX/2015 they said I could do a two month deferral just fill out a form and return it by email filled it out sent it in got a call saying they do n't accept e-signatures ( even though they are legal 15 U.S. Code Chapter 96 - ELECTRONIC SIGNATURES IN GLOBAL AND NATIONAL COMMERCE ) but fine I resigned it with a LIVE signature logged back in to their secure messaging portal and sent it back in BEFORE the expiration date of the offer. I got some money and made a payment so I assumed I was AHEAD since XXXX months were deferred then a few months later I get a call they say I am past due by way more than would be possible I explained the situation and the rep says they never got the live signature form ( have proof it was in fact sent successfully ) but if I make just XXXX payment we can do a new deferral and all will be well again, this time no form is ever sent they collected the payment customer service now says im not eligible for the deferred payment agreement and must pay now to avoid repossession I pay them again explain that I was on unemployment and that billing me in this manner does nothing more than keep me behind and make it impossible to catch up I was now demanding they correct the XXXX previous deferrals THEY promised and no one could help not customer service not a manager NO ONE XXXX rolls around and I am past due now I have had nothing but unemployment for XXXX months but I advised them I was starting a new job on XXXX/XXXX/2015 the lady tells me again just make a payment call back in tomorrow and ask for the deferral and you will be current and can finally get back on track I gave them the last of my money as in my grocery money my gas money everything I had to make a payment I call the next day and the rep says well now you have a payment due because its your due date and you ca n't get a payment deferral unless you make ANOTHER payment I have nothing he tells me they dont have to honor their word because thats just their policy. On top of this fiasco they charge outrageous interest to the poorest customers college students like I was when the loan originated and that is just absurd we need help more than anyone so if you 're going to make us your target audience you need to be willing to work with the financial situation you KNOW we are in from day XXXX.
11/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	DC 20032	Web
I XXXX XXXX residing at XXXX XXXX XXXX XXXX XXXXXXXX # XXXX, Washington, DC XXXX, am writing this affidavit to bring to your attention the inaccurate and misleading information reported by Exeter XXXX, pertaining to my credit file, specifically related to account number XXXX I urge your prompt attention to rectify this situation and take appropriate actions against Exeter XXXX for their violations and deceptive practices. XXXX. Inaccurate Reporting of Repossession : XXXX XXXX inaccurately labeled my credit file as a repossession when the vehicle was voluntarily surrendered in XX/XX/2017. The repossession status is misleading and damaging to my creditworthiness as the vehicle was willingly returned, not repossessed. XXXX. Violation of Right of Rescission : XXXX XXXX failed to provide me with the right of rescission concerning certain transactions related to the purchase of the vehicle. This violation further emphasizes their lack of adherence to consumer protection laws. XXXX. Deceptive Advertising and Violation of 15 U.S. Code 1605 : XXXX XXXX engaged in deceptive advertising practices by misleadingly representing down payments and installments, violating the provisions outlined in 15 U.S. Code 1605. Such deceptive practices are detrimental to consumers and require immediate investigation and remediation. XXXX. Misrepresentation of Loan Transfer : Finance reported the account as a charge off and sold it to XXXX XXXX XXXX XXXX XXXX. However, I have not received any information regarding the transfer of the loan, and XXXX XXXX continues to report to credit agencies as the lender. This contradictory reporting has created confusion and uncertainty regarding the status of my loan. I kindly request the Consumer Financial Protection Bureau to investigate these matters thoroughly and take appropriate actions against XXXX XXXX for their violations of consumer rights and deceptive practices. I also request that XXXX XXXX be held accountable for the inaccuracies in reporting and the resulting damage to my creditworthiness. I have attached relevant documents supporting my claims, including copies of credit reports, correspondence with XXXX XXXX, and any other pertinent records. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will work diligently to rectify these issues and ensure that consumers are protected from such unfair practices.
11/10/2022	Yes	Debt collection Auto debt	Communication tactics Used obscene, profane, or other abusive language	IL 60637	Web
Hello, I am a consumer and I was calling in to put money on an account with Exeter Finance on XX/XX/2022 at approximately XXXX XXXX I initially spoke with a representative named XXXX. I was calling in to put money on the account regarding my vehicle. After the initial data confirmation that is usually done by a debt collector was finished. I said i wanted money toward the account. He then began being very abrasive and started using abusive language towards me. He said that i should pay more and what I was paying was not enough. He then started to threaten me with legal recourse. After he argued with me and belittled me by saying that I needed more money. I realized that he was not going to allow me to put money on the account. I hung up the phone. I then called back and spoke to another representative and she allowed me to put money towards the account and even helped me make a plan so that I could pay the necessary amount for the account to be in good standing at the time. I tried to put in the complaint with the other representative and a supervisor was supposed to call me regarding that said complaint but no one ever called to follow up. With all of that being said, Exeter Finance LLC has violated 15 USC 1692d : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The use or threat of use of violencXXXX or other criminal means to harm the physical person, reputation, or property of any person. ( XXXX ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. ( XXXX ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title. ( XXXX ) The advertisement for sale of any debt to coerce payment of the debt. ( XXXX ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. ( XXXX ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity.
07/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11779	Web
DISPUTE RESPONSE! 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. AS OF XX/XX/XXXX Account name : XXXX XXXX XXXX Account # XXXX BALANCE XXXX Balance updated XX/XX/XXXX Original balance XXXX Date opened XX/XX/XXXX Account type auto loan Last payment XXXX XXXX Contact info XXXX XXXX XXXX XXXX, TX XXXX I have notice fraud account on my credit profile And consumer reports THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! DELETE THIS FRAUD ACCOUNT IT HAS BEEN OVER 30 DAYS! IAM DEMANDING THIS AS AN FEDERALLY PROTECTED COMSUMER!!!
09/15/2023	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	TX 77054	Web	Servicemember
Dear Exter Finance LLC Customer Service Team, I hope this letter finds you well. I am writing to you as a loyal customer of Exter finance to address a recent late payment on my account and to kindly request your understanding and goodwill assistance. I have been a satisfied customer of Exeter finance for 2 years and have always appreciated the convenience and reliability of your financial services. However, I must admit that I experienced an unexpected financial setback recently, which resulted in a late payment I fully understand the importance of making payments on time and take full responsibility for the delay in this instance. I want to assure you that this is not representative of my typical financial behavior, and I am committed to maintaining a positive payment history with Exeter finance I kindly request your consideration for goodwill assistance regarding the late payment. I am hopeful that you can help by : Removing the late payment notation from my credit report. I am going through a HCA Loan Process Ive lost over XXXX points due to the credit hit I was advised not to use my last extensions by customer service representative I have a new job position I have been out of work for months and have a 10 Month old baby. I communicated efficiently to tell my situations and made payments by borrowing from family and friends until I receive my first check I currently have XXXX and will be returning to work with sickness just to catch up on bills Im begging please if anything can we correct my account to current for XXXX I made the payments as instructed II believe that a gesture of goodwill in this situation would demonstrate your understanding of my unique circumstances and your commitment to customer satisfaction. I appreciate your attention to this matter and kindly request that you review my case. Please feel free to contact me by cell phoneif you require any further information or would like to discuss this matter in detail. Thank you for your time and consideration. I look forward to a positive resolution and continuing my positive experiences with Exeter finance LLC Please Im begging Please I am facing homelessness from this credit impact I dont have anything else that applys on my credit report and I am desperate I do my best to make my payments before 30 days and I communicate with the customer service team please help me this once please Sincerely, Customer
09/09/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CO 80123	Web
Hello CFPB, Here is a copy ( in quotations ) of my attempt to work things out with Exeter Finance. " Please be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. '' Basically, in my letter of complaint and then again in my affidavit to Exeter Finance, I explained that the assignment that was presented to me by the car dealership was not signed nor dated by the dealership representative in order for it to be assigned to anyone or company. I also explained that I never received nor signed, nor agreed to ( or entered into ) a contract with Exeter Finance. I wanted Exeter Finance to show validation a debt to them from me. I have asked them more than once to provide their proof to me. Also, in my affidavit to Exeter Finance, I cited several laws that explains how they have violated my consumer rights ( including deceptive phone calls which were under a different name on my caller ID ), and I asked that they answer my affidavit with an affidavit, point for point. Attached to the now expired affidavit I requested that Exeter Finance would cease and desist any further collection methods/activities until this matter is resolved ; including but not limited to removing any information they have provided to the Credit Reporting Agencies about me according to consumer law. While they have responded to my correspondences, Exeter Finance has yet to do as I asked, they have not validated any debt to them from me, or answered my affidavit with an affidavit, point for point, and they are still continuing to report false information about me to the Credit Reporting Agencies. All they have done in response to my requests is send me a copy of my payment history along with a copy that they have of the 'unsigned ' assignment form from the dealership. CFPB, at this point I am reaching out to you because I would like your assistance in obtaining verification of a debt that Exeter Finance says I owe them when they are clearly not the original creditor. Thank you for your assistance in this matter.
10/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	MD 20774	Web
My name is XXXX XXXX and I received an adverse action letter from Exeter Financial. The letter states that Exeter is unable to approve financing for me, using information from a credit application that was done through XXXX. According to 15 USC 1691 ( a ) ( 3 ), it is unlawful to discriminate against an applicant with respect to ANY aspect of a credit transaction and because the applicant has in good faith exercised ANY right under the ECOA. This is even stated on the letter at the very bottom. I also noticed the part where it mentions a credit application. Credit and loan are not the same nor do they have the same definitions. A loan application is applying for a loan ; financing. A credit application is applying for credit. Pursuant to 15 USC 1602 ( f ), credit is defined as the right granted by a creditor. So if I filled out a credit application, why is there a mention of financing approval? Included in that application was my social security number. Obviously thats how my consumer report was pulled. Pursuant to 15 USC 1602 ( l ), a credit card is defined as ANY card, plate, coupon book, or other credit device used for obtaining money, property, or services ON CREDIT. If I am not mistaken, my social security card is indeed a credit card. So in order for Exeter to EXTEND credit, there needs to be a source of credit. That source is my social security card. In turn, making me the creditor. So theyre falsely claiming that they extend credit when thats not the case whatsoever. They are taking my credit source and denying me of my own credit based on information that is not verified. Finally, in the letter Exeter states that if they obtained information from a consumer reporting agency as part of their consideration, they will list the agencys information, which they did. Now the proceeding sentence states that the reporting agency played no part in Exeters decision and is unable to provide specific reasons for the denial of credit. According to 15 USC 1681m ( a ) ( 3 ) ( B ), the latter of that statement is correct but to say that the consumer reporting agency played no part is completely false and contradicting of the previous sentence. It also clearly states that Exeter obtained my credit score from this consumer reporting agency and used it in making our credit decision. So it seems as though the consumer reporting agency did in fact play a part in Exeters decision.
12/23/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	PA 19143	Web
My issue is with my current finance company Exeter Finance. I purchased a vehicle XX/XX/2015 from XXXX which was to be financed by Exeter finance company. I returned the vehicle the same day because I was having issue before I could get it home and I got another car financed through Exeter. XXXX sent the funds for the first car back to Exeter via ACH as they should XXXX/XXXX/XXXX, however I did not know until recently that Exeter Finance put the original loan for XXXX on my credit report ( which is incorrect ) along with the current loan that I have. I am having issues with the car that I kept a XXXX Chevy Equinox and went back to XXXX XX/XX/2015 and purchased another vehicle that I returned the next day. XXXX sent those funds to Exeter Finance on XXXX/XXXX/XXXX as required under the return agreement. Exeter Finance also has that loan for XXXX on my credit report ( which is incorrect also ) as well even though they received the funds via ACH from XXXX. Neither of those accounts, XXXX and XXXX, should be on my credit report and they are not removing them. I have called numerous times to no avail. They are not taking this issue seriously and they do not care that they are destroying my credit score and it appears that I have XXXX loans with them totaling over XXXX when I do n't. I have XXXX loan with them for about XXXX. I spoke with Transunion and was told I should not have to dispute these that Exeter can remove these mistakes ( THEIR MISTAKES ) the same way they put them on there. I am exhausted trying to get someone else 's mistake removed. My current car financed through Exeter is shutting off while I am driving which XXXX extremely dangerous and scares me as I have XXXX children. I have gone through the expense of renting vehicles to have something safe to drive as I have physical limitations and I need a reliable car. I can not purchase another car until Exeter removes the FALSE loans from my credit report. Can you PLEASE help me get a resolution to this issue? I have called the corporate office only to be sent to a voice mail. I am not understanding why that would be the case during business hours and that is not the first time I called. Again can you please help me resolve this issue? Thank you in advance for any help you can offer me in this situation as it seems Exeter has no intention on resolving this issue and rectifying THEIR mistake. Thank you
09/07/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	FL 33168	Web
Exeter Finance and XXXX XXXX XXXX XXXX have violated my federally protected rights. My signature was forged multiple times along with other violations on XX/XX/2022 and XX/XX/2022. I exercised my right to rescind and sent a notice of intent to arbitrate and my rights continue to be violated. TO MAKE MATTERS WORSE EXETER FINANCE shared my PERSONAL NONPUBLIC INFORMATION/PERSONAL IDENTIFYING INFORMATION with a 3rd party withOUT my consent pursuant 15 usc 6802. I WAS NOT ALLOWED TO OPT OUT DESPITE REQUESTING IT. My vehicle was repossessed WITHOUT an enforceable security interest. Pursuant 12 cfr 1026.23 I rescinded the security interest/signature/contract due to fraud on XX/XX/2022. Both Exeter Finance and XXXX XXXX XXXX XXXX have made aware of my dispute and rescission. I am currently in communication with XXXX XXXX, XXXX. My rights have been violated OVER AND OVER. Pursuant 12 cfr 1026.23 ( d ) Effects of rescission. ( 1 ) When a consumer rescinds a transaction, the security interest giving rise to the right of rescission becomes void and the consumer shall not be liable for any amount, including any finance charge. ( 2 ) Within 20 calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction and shall take any action necessary to reflect the termination of the security interest. ( 3 ) If the creditor has delivered any money or property, the consumer may retain possession until the creditor has met its obligation under paragraph ( d ) ( 2 ) of this section. When the creditor has complied with that paragraph, the consumer shall tender the money or property to the creditor or, where the latter would be impracticable or inequitable, tender its reasonable value. At the consumer 's option, tender of property may be made at the location of the property or at the consumer 's residence. Tender of money must be made at the creditor 's designated place of business. If the creditor does not take possession of the money or property within 20 calendar days after the consumer 's tender, the consumer may keep it without further obligation. ( 4 ) The procedures outlined in paragraphs ( d ) ( 2 ) and ( 3 ) of this section may be modified by court order. I demand my vehicle be returned to me immediately and these companies Cease and Desist their illegal activity.
08/10/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	PA 19139	Web
I am writing to dispute the following information this company supplied to my credit report. This contract that I signed with this company shows that included with my payments a full warranty was included for this vehicle. Exeter Finance did absolutely nothing to negotiate or even ensure that this dealership stood behind this contract. So in all fairness they were the parties who breached this agreement by refusing to do anything about this vehicle being in service for the issue a total of ( 7 ) times for an engine issue which began less than 30 days after I took possession of the vehicle. I was completely candid with them during the entire process and over and over they told me that they were just the finance company and there was nothing that they could do. When in fact this is far from the truth, I was paying for my warranty which was folded into my car payment so it was entirely their responsibility. Because just like the vehicle belonged to them so did the warranty that was not being honored and they had every right to step in and make sure that the dealership was actually making the repairs as promised. But they DID NOT. So they breached their own agreement by attempting to leave me with a vehicle that was immobile, a warranty that was virtually worthless and a car payment to a company that would not offer me any sort of assistance or support. There is no conceivable way to separate the cost of the warranty from the cost of the vehicle because they are both outlined in the agreement. However, Exeter wanted to act as if these were two separate entities and their only vested interest was solely in the vehicle and not in whether or not the dealership would fix it, honor the warranty or even trying to help negotiate a deal for a suitable replacement. So therefore they voluntarily voided the contract by condoning the actions of the dealership and not making them culpable for their actions. It seems as if its easier for them to attempt make me the pay for their contravention, by attempting to attach this inaccurate information to my credit report so that this debt follows me for 7 years. I am aware of the law, and I am well aware that they did not follow through with this legally binding contract as it stated. Therefore this debt should be removed from my credit report immediately. Please see attached documents that support this claim.
03/29/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	MO 631XX	Web
On XX/XX/2016, - a notice of direct dispute was sent to your agency with regard to the above numbered account for XXXX XXXX XXXX. Within that notice it was specifically delineated that Exeter Finance is reporting inaccurate information to all XXXX Consumer Reporting Agencies ( XXXX/XXXX/XXXX ). Particularly, the dual reporting of a single numbered account ( see above ) ; the inaccurate reporting of monthly payment amounts received by Exeter Finance ( XXXX statement-see attachment # 1 ) ; and the inaccurate 'amount owed ' from receipt of said payments. 2. On XX/XX/2016, - Exeter Finance acknowledged " an update was required for the information reflected '' on each Consumer Reports ( Exeter Letter-Attachment # 2 ). However, upon subsequent review of Exeter Finances reporting -- XXXX different postings of the same numbered account are showing ; and the inaccurate annotation of the 'amount owed ' from receipt of payments is still present ( See trilateral report-Attachment # 3 ). 3. To date, Exeter Finance has received payments totaling {$2900.00}, which were to be applied wholly to the principal of the original loan. The original loan amount for this numbered account is {$17000.00}. Therefore, the accurate reporting of said numbered account should be {$14000.00}. 4. The Retail Installment Contract and Security Agreement ( Contract ), Sales Agreement Section states, " You promise to pay us the principal amount of {$17000.00} plus finance charges accruing on the unpaid balance at the rate of 26.00 % per year from the date of this Contract until paid in full. Finance charges accrue on a 365 day basis '' ( Contract-Attachment # 4 ). However, on each monthly billing report it states that the finance charge has a " daily '' accrual. This directly violates the terms of the signed contract. 5. Title 16, Chapter 1, Subchapter F, Part 660 expressly prescribes the 'Duties of Furnishers of Information to Consumer Reporting Agencies : 660.4 ( e ) Duty of furnisher after receiving a direct dispute notice ... ( 4 ) If the investigation finds that the information was inaccurate, promptly notify each consumer reporting agency to which the furnisher provided inaccurate information of that determination and provide to the consumer reporting agency any correction to that information that is necessary to make the information provided by the furnisher accurate.
10/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY XXXXX	Web
Exeter finance is intentionally violation the FTC FCRA rules by intentionally reporting balance inaccuracies to the credit bureaus. I have disputed the balances and the status of the account multiple times and Exeter returns with a difference balance that they intentionally know is incorrect in order to impact my credit. The account is reporting in a charge off status, each month they report the account as a charge off, however, the balance is incorrect, the date of initial delinquency is incorrect and the account is managed/sold to XXXX XXXX, who contacts me about the balance. Per their website the balance remaining on my account is {$14000.00} as of XX/XX/XXXX. The terms is reporting as 73 months and not 72 months per my Exeter statement. I disputed the balance in XX/XX/XXXX and they returned stating the balance is {$21000.00}. I disputed the balance again in XX/XX/XXXX, on one credit bureau report they stated " Account charged off. {$24000.00} written off. {$21000.00} past due as of XX/XX/XXXX '' to XXXX. The statement of {$24000.00} being written off is a factual inaccuracy and it is the obligation of the creditor to report factual information or delete, update or remove the account. Per my Deficiency letter dated XX/XX/XXXX, the vehicle was sold for {$10000.00} with all of their fees the deficiency balance is {$17000.00}. Again, this was dated in XX/XX/XXXX which means all of the reporting after XX/XX/XXXX with the inaccurate balances was based off of inaccurate information from Exeter. An intentional effort to report false information and a clear example of Exeter failing to abide by the FCRA rules. Again, I have disputed this account for years, at each attempt at disputing the balance is returned with a different amount which is in violations of the FTC FCRA 623 ( b ) ( 1 ) which states If a CRA notifies you that a consumer disputes information you provided, you must : investigate the dispute and review all relevant information provided by the CRA about the dispute ; report your findings to the CRA ; provide corrected information to every CRA that received the information if your investigation shows the information is incomplete or inaccurate ; and modify the information, delete it, or permanently block its reporting if the information turns out to be inaccurate or incomplete or cant be verified. FCRA 623 ( b ) ( 1 ).
09/06/2017	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX XXXXX	Web
I previously disputed a reporting error with Exeter Finance due to a banking error. Exeter was gracious enough to update my credit report for XX/XX/XXXX per the response provided below. However, each credit agency is now reporting that my loan was delinquent for the XX/XX/XXXX payment when in fact, I was only 18 days delinquent once the XXXX payment went through. Exeter approved me to have a modification of my loan through the XX/XX/XXXX payment for the XX/XX/XXXX that will be paid on or before XX/XX/XXXX, which is within 30 days of that payment being due. I am not sure how they fix one issue and report I am delinquent on another month when that payment was due XX/XX/XXXX and it was made on XX/XX/XXXX, which is within 30 days of the due date. I am confused how a payment made before it was even 30 days late it reporting on my credit report as a 30 day late payment. Company 's response in prior compliant # XXXX : Your account was 48 days past due for the XX/XX/XXXX payment when we received your payment on XX/XX/XXXX. As a result, you were accurately reported delinquent for this payment. In your complaint, you stated an email was forwarded to our office on XX/XX/XXXX regarding your bill pay. We are unable to locate a record of this email ; however, in compliance with FCRA laws, credit dispute investigations may take up to 30 days to complete. We appreciate your efforts to make all payments in a timely manner. Based on this complaint, we have agreed to remove the late mark that was caused by your banks processing error. We have updated our internal records and provided the corrected information to the credit reporting agencies. Please allow up to 30 days for this update to reflect on your credit report. Our records indicate your account was placed in a cease and desist status in XX/XX/XXXX based on CFPB complaint XXXX. To remove this status from your account, you may fax or email a written and signed request directly to the Office of the President at XXXX or XXXXXXXXXXXX. Our success is based on customer satisfaction with our products and services so we take the issues presented in this complaint seriously and make every effort to provide a prompt and equitable response. If you have any additional questions about our response we encourage you to contact the Office of the President at XXXX. Sincerely, Exeter Finance
08/05/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	NY 11201	Web
Came to my attention fraud is being committed and harming my personal well being According to 15 U.S Code 1605 ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. ( 2 ) Service or carrying charge. ( 3 ) Loan fee, finders fee, or similar charge. ( 4 ) Fee for an investigation or credit report. ( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. Also Regulation Z prohibits certain practices relating to payments made to compensate mortgage brokers and other loan originators. The rule prohibits a creditor or any other person from paying, directly or indirectly, compensation to a mortgage broker or any other loan originator that is based on a mortgage transaction 's terms or conditions, except the amount of credit extended. The rule also prohibits any person from paying compensation to a loan originator for a particular transaction if the consumer pays the loan originator 's compensation directly. The rule also prohibits a loan originator from steering a consumer to consummate a loan that provides the loan originator with greater compensation, as compared to other transactions the loan originator offered or could have offered to the consumer, unless the loan is in the consumer 's interest. The rule provides a safe harbor to facilitate compliance with the prohibition on steering.
10/31/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	OK 74136	Web
Please accept as addendum to XXXX # XXXX. I previously submitted a complaint regarding my payment history over the life of an auto loan with Exeter Finance Corp. The complaint was submitted to Exeter Finance by CFPB on XX/XX/XXXX. The substance of my complaint regards conversations with Exeter Finance XXXX employees providing me inaccurate information regarding the loan - particularly on XXXX occasions I applied to defer XXXX payment each to the end of the loan however Exeter XXXX 's state each Deferment represented XXXX payments each. When provided the Deferment information I disagreed with the info and both Exeter XXXX 's then stated my account was past due for the previous or XXXX previous months which is also inaccurate - the XXXX 's both confirmed payments were paid as agreed for the previous and preceding month for each Deferment but continued to insist their information was valid by stating the account was past due for some other month which was also incorrect. In addition when I purchased and signed the XXXX in XX/XX/XXXX the financing arrangements were made by the dealership and I was quoted an interest rate of 20.99 %. The cost of the vehicle I purchased was {$12000.00} - the amount financed for the vehicle was {$10000.00} - I paid {$500.00} down in cash and traded in a XXXX XXXX XXXX in good condition. I was not told by the dealership the value of my trade-in. As of XX/XX/XXXX I have paid XXXX total payments. At the end of the loan I will have paid {$15000.00} and with the final XXXX ( XXXX ) payments due to pay the loan in full the interest rate is actually 50 % - not 20.99 % as stated in the XXXX On XX/XX/XXXX I spoke with an off-shore XXXX XXXX who stated if a payment is " late '' the full payment is applied to " interest '' - not the loan itself which does NOT explain a 50 % interest rate charged from XX/XX/XXXX until the date of the first late payment on XX/XX/XXXX. In addition both the Dealer and Exeter Finance Corp were aware the vehicle - XX/XX/XXXX XXXX XXXX - was a salvage title vehicle or ineligible for resale due to a malfunction of the vehicle 's passenger side airbag that was the subject of a XXXX recall in XX/XX/XXXX. I was not informed of the serious nature of the vehicle 's airbag status because I have never been provided title to the vehicle.
09/25/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	WI 53218	Web
Regarding XXXX country of XXXX and Exeter Finance llc, purchaser and buyer. This matter consists of fraudulent and incorrect information on parties auto loan agreement. Written copy of loan agreement was not provided to buyer or cosigner during purchase. Was given XXXX XXXX that required payment to view which soon after expired. XXXX is extremely higher than agreement. Contract is predatoryly unfair and should be considered as Usury. Would of never agreed on paying almost XXXXXXXX XXXX for an used XXXXXXXX XXXX vehicle. Complained to XXXX which caused lender to email purchaser that company wanted to help but when contacted was only concerned with when and how much would be paid. Lenders employees gave false information of amount of payment for 30 day grace period due to repairs needed on vehicle that dealership refused to repair under active kunes no fear warranty. Correct payment would have been made if employee would have given Correct information which IS documented on phone conversation with lender. This is another fraud concern since lender immediately charged fees for breaking agreement and never worked with buyer in this situation. This caused buyer to be behind two payments ever since. Lender calls multiple times daily just to be told the documented conversation on biweekly payments being made in attempt to update payments. Were I believe fraud came into play was with dealership. They either mistakenly switched cosigner and buyer ( my belief is because cosigner had auto insurance but buyer did not at the time ). This was done without consent and would be financially impossible because buyer ( who is switched to cosigner ) at that period has a subpar below XXXX credit score. Cosigner ( which is now buyer had sole auto AND mortgage loan ) would've never been approved financially for that loan and it makes no sense for sn XXXX credit score to cosign. Would not have needed subprime lender or cosigner with XXXX credit score would have been done through bank not dealership. This has put grave financial burden on our family and impacted both of our credit scores and the ability to lend. Have no knowledge if dealership lied about finance for approval and its very concerning. Lender has many worrisome lawsuits and settlements for this reason plus many others.
01/24/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	GA 30093	Web
Notice of Dispute Please be advised that this is not a refusal to pay but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 US Code 1692g, that validation is requested. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number ( XXXX ) XXXX XXXX XXXX XXXX XXXX Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. * The agreement bearing my signature stating that I have agreed to assume the debt * Valid copies of the debt agreement stating the amount of the debt and interest charges * Proof that the Statute of Limitations in GA has not expired. * Complete payment history on this account along with an accounting of all additional charges being assessed * Proof that you are licensed to collect in my state ; and * Your license numbers and Registered Agent or Agent of Service. If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account if any exist must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. This will also serve as your legal notice under the federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communication with me concerning the alleged debt referenced above. Do not contact me, members of my family, employers, or any other third parties regarding this debt. This includes all communication by telephone or electronic communications, such as email or texts made by your company, representatives, or agents. If your offices, representatives, or agents attempt communication with me, members of my family, employers, or any other third parties, it will be considered harassment and I will bring this matter before a judge. All future communications with me MUST be done in writing via the CFPB. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
11/26/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease High-pressure sales tactics	OH 445XX	Web
I went to the XXXX of XXXX where I was in need a vehicle. While there I was told the only thing I could get into was a used car that was priced at XXXX or so maybe XXXX I gave a XXXX down payment and was put into a loan for XXXX. While at the dealer I had concerns about the vehicles operating conditions the motor had a tick the side mirror power motor was messed up which almost let me to get into a accident and a couple of other things. While knowing I just jumped into a XXXX loan I was told because the car was sold as is that I only had 3 days to fix any issues with the vehicle. When I left the dealer I took the car to a mechanic who told me that the pistons on the motor were done at that the vehicle was not worth getting into the next day which was day 2 of having the vehicle I took it back to the dealer where they did a check and told me everything was fine but that they would fix the side mirror. Not believing them I took the car to another mechanic who told me the motor was done as well after the dealer told me the 1st and 2nd day that the car was fine. For months I struggled with a car that drove with hardly any power and had a loud tick and was burning oil quicker then quick I wrote letters to the dealer made complaints to XXXX made complaints to XXXX with no solutions other then I had to take it to the same XXXX dealer that told me everything was good and Pay for a diagnostics out of pocket for them to do anything for me. In the end I was given a coupon for XXXX towards a down payment of a new car that I couldnt even use because my credit score did not allow me to have a new vehicle. The monthly payments were about XXXX the insurance was XXXX I was stuck with a car that would need a motor and a XXXX loan. I dont think that what was done to me was fair nor was it right I was taken advantage of and lied to and pressured into buying the car and believing that it was the right choice I also have XXXX kids that this car made me go into a financial hardship. The dealer was negligent after being tired of the car driving poorly I stopped making the payments and I volunteered to surrender the car where the loan company took 4 weeks to pick it up off the side of the road and they resold the vehicle for XXXX and left a XXXX remark on my credit score
09/16/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	MS 392XX	Web	Servicemember
I applied for a car loan with Exeter Financial on XXXX/XXXX/2014 which the application was approved for financing on or around XXXX 2014 which I was told my first payment would be due on XXXX XXXX, 2014 and that the payment due date would bbe the XXXX of each month thereafter. The company asked me to sign up for automatic draft and I agreed ; however, the company started to withdraw funds from our account prior to the due date and charged me both late fees and nsf fees along with numerous fees that I incurred from my financial institutions due to the pre-withdrawing of funds. I had a very difficult time trying to get the representatives to explain why my account would be in the behind and to help me make sense of where we went wrong. The customer service team was very hard to work with and would not explain to me anything and refused to gge me anything in writing concerning my account. I contacted the company in XXXX to ask them foran extension because my mother 's XXXX had returned and my family was devausted so the company advised that I had a two month extension which would modify my payment to reflect these payments due at the end of the loan. I never received the modification agreement neither did I receive the extension terms and agreement. I have requested this information on several occasions and they will not send me a copy but has show my account in the negative after explaining to me that the extension would not have any negative impact on my credit profile. I finally spoke with a representative that put a request in the system for me to receive a copy of my pay history and I notied that the company had several late fees and many early withdrawals that they attempted to make and charge my account for. I asked the company to launch an investigation on the account and they advised that the credit department would contact me within 72 hours and when I did n't hear from them I attempted to call and speak with the department todi discuss the matter at hand, which they refused to allow me to speak witht he department and told me that the findings were still the same and that they could n't help me. I akde them could I speak with management and they told me that each account representative manages the accounts and that this matter is closed.
12/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 95758	Web
I have a settlement agreement with EXETER finance. When I received this settlement offer I called Exeter and spoke with a XXXX agreement customer service XXXX at Exeter and she informed me that if I accepted the settlement offer the account balance would immediately be updated to XXXX as that is the XXXX XXXX total balance we agreed on in the settlement, and the account would be reported as closed with the XXXX paid in full. I accepted the settlement agreement, signed the contract and paid the XXXX in full on XX/XX/2023. I even contacted Exeter via customer support email to make sure the correct reporting would be updated to the account by the next reporting which should have been XX/XX/2023, the representative assured me that the account balance would be updated to XXXX and the account would be reported as closed, she also sent me a receipt via email to confirm they received my payment. I see on my XX/XX/2023 report that Exeter finance reported to XXXX the incorrect balance of XXXX and an incorrect charge off reporting. That is completely against our settlement agreement and this is a clear violation of my rights to accuracy, privacy, and fairness and inaccuracies on a credit report can hurt my opportunity at credit. The actual balance I owe is XXXX according to the settlement agreement, the XXXX was paid in full on XX/XX/2023, the account is supposed to be reported as closed and paid. I have submitted numerous disputes recently about this inaccurate account reporting issue, this is NOT an opportunity for re-investigating anything this is simply me notify Exeter XXXX XXXX to update the account information on my credit report immediately after receiving this letter or both companies will be held liable XXXX to me for every FCRA violation committed regardless of intent you will be held liable to me for statutory damages for violating 15 U.S.C. 1681 ( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
01/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	MD 20744	Web
All of my detailed information is attached to this complaint. During this whole ordeal I ca n't understand if a debt was paid-in-full due to a total loss claim, HOW does a company consistently accuse you of still owing, keep this mis-information on your credit reports in their alleged justification and refuse to admit that the accounting fault is the fault of the company for how they handled the pay-off settlement for this loan. I should not continue to have my credit scores damaged because this company is determined to penalize me for not being able to collect 5 years of high interest rates for the loan I had with them. At the time of the loan I entered a second chance loan agreement at 24 % interest for 60 months. However, because the vehicle was totaled when an act of nature occurred ( I unavoidably hit a dear in the midst of an Ice storm. Prior to that I was forced into a bankruptcy in order to save my home from foreclosure ; of which all of my debts had to be included in this filing. Since this company fell under that jurisdiction they were listed, BUT EXCLUDED from the original proceeds because I agreed to pay them separately to maintain my credit under the second chance program. However when all of this happened, they tried to use the bankruptcy status to justify why they kept accusing me of still owing them money - '' AFTER THE ACCOUNT WAS PAID IN FULL!!! '' Now this account has bee listed as a charge off which is bad for my credit rating and bad because they are still proclaiming that I owe them money!!!!! This is the question I keep asking EVERYBODY : IF YOU PROCESSED A PAY OFF CLAIM ACCORDING TO WHAT YOU STATED WAS THE PAY OFF AMOUNT, WHY WOULD N'T YOU REPORT THE CORRECT PAY OFF AMOUNT IN ORDER TO BE PAID IN FULL????? NOT ONLY THAT, WHY WOULD YOU HOLD THE CUSTOMER RESPONSIBLE FOR YOUR MISTAKE, RUIN THE CUSTOMER 'S CREDIT RATING AND CONTINUE TO REPORT INCORRECT, DEROGATORY AND NEGATIVE INFORMATION FOR THE ONLY PURPOSE AS TO KEEP ME IN FINANCIAL BONDAGE FOR THE LENGTH OF TIME THAT I WOULD HAVE BEEN PAYING THEM IN INTEREST RATES FOR THIS HIGH END LOAN! THEY FEEL IF I WANT TO GET RID OF THEM THEY ARE TRYING TO FORCE ME TO PAY THEM WHATEVER THEY WITHHELD FROM THE PAY-OFF AMOUNT JUST TO ATTEMPT TO MAKE ME PAY THEM MONEY
10/31/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA 94066	Web
On XX/XX/XXXX between the hours of XXXX my vehicle was seized, and held by Exeter Finance LLC XXXX with a partnering tow company XXXX XXXX XXXX less than 2 days after I filed a complaint with the CFPB for a null contract that I attempted to have rescinded with them and all my payments returned. When I discovered their attempt to defraud me out of payments by a clause in the contract, and attempted to demand remedy by way of refund, and return of title, they then denied my attempts to in good faith recover what was mine to begin with. I in turn filed a complaint with the CFPB to attempt to have mediation in the situation so that it may be remedied lawfully, and all that is due to me including damages be returned. I have then since received mailings from the company claiming to have lawful right to the collateral, and a notice of a their plan to sell my car which they have no lawful right to do so per : 15 U.S Code 1692f Section 6 which states : Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. My attempt to make them aware that the contract was null due to false or misleading representations have just been met with denials by the company with no actual lawful precedence that they are within the scope of the law with continuing to pursue collection for a debt already paid in full upon purchase. I have not received any lawful mailings of judgement, lawful lien holder judgement from the company XXXX Exeter Finance LLC ) or the partnering company XXXX XXXX XXXX XXXX ) that will allow them to be able to lawfully seize and hold my car, while denying my right to redeem my vehicle from the tow lot of the partnering company XXXX XXXX XXXX XXXX ). I have performed a search for any liens or judgement placed on my vehicle by the company in state the vehicle was purchased which gives them the right to my property ( car ), and I have found none since the vehicle was purchased on XX/XX/XXXX.
08/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA XXXXX	Web
Dear EXETER FINANCE, I received a copy of my credit report and I have found the following items listed below to be in error. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I NEVER gave EXETER FINANCE any written instructions to furnish any information STATING LATE OR UNPAID STATUS on my consumer report which is a violation of 15 USC 1681b. These companies have caused severe stress and anxiety due to the abusive and unfair practices. You all should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. EXETER FINANCE - XXXX I was never late on XX/XX/2022 for this account please update the account as Paid/Current. THE ACCOUNT WAS PAID IN FULL ON TIME. By the provisions of the Fair Credit Reporting Act, All three Credit Reporting Agencies should be reporting the same exact and accurate information. EXETER FINANCE- PAID IN FULL NO LATE PAYMENTS I demand these items be investigated and ANY late payments be removed from my report, and I demand that you provide me with concrete evidence and ALL documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I am not asking for verification of the account, but physical evidence for verification of payment history. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. Respectfully, XXXX : XXXX BENEFICIARY Without Prejudice, All Natural Inalienable Rights Reserved.
06/22/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	DC 20020	Web
On XX/XX/2023 The CFO of Exter Finance received a letter of intent to sue with Affidavit of truth with other items enclosed as proof of my claim of fraud and forgery on the companies behalf. The letter/affidavit entails that the contract with Exeter Finance LLC was never actually assigned by the dealership, and that Exeter Finance LLC sent me a " copy '' ( forged ) contract that had been assigned by the dealership but the original contract that I had was never assigned. I offered them a settlement to change the status of the reporting on my credit to the 3 credit reporting agencies, and a monetary settlement of {$63000.00}. The amount owed from original finance amount, payments made before I made the discovery, and compensation for damages endured during the repossession process. On XXXX XXXX, XXXX there was a positive change to my credit reporting. I have attached the picture of this reporting. There has not been a monetary compensation to go along with the changes to my credit reporting. I then sent a handwritten letter as a courtesy along with several screenshots, and a copy of my photo ID to the company 's legal department explaining that the piece of mail was not received by me and I was unaware if it was from them. It was received on XX/XX/2023 the lost/stolen mail was along the time line of the changes to my credit reporting. I am still unsure if it was a compensation package or not, but I did not want to falsely accuse them of not compensating me when they had made an attempt to do so. I have yet to receive any response to that letter. I asked in the letter of intent that if there was to be any mailings or agreements before I moved forward with a lawsuit against them that it be sent via registered mail with a signature to prevent mail theft/fraud. I have not heard anything back from the company. I wanted to submit a complaint to verify that they have not agreed to the monetary compensation portion of my intent to sue letter, and only the credit reporting changes although I have clear evidence of fraud and forgery on the companies behalf. I have all records of mail items received by the company so there is no excuse on why I have not been compensated properly in this matter.
03/02/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	NV 89081	Web
I XXXX XXXX are exercising my Right to Rescission 15 U.S. Code 1635 1026.23 for SIMPLE INTEREST VEHICLE CONTRACT FOR SALE AND SECURITY AGREEMENT & VEHICLE RETAIL INSTALLMENT CONTRACT AND SECURITY AGREEMENT established on XX/XX/XXXX, with EXTER FINANCE CORP XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am not liable for the debt amount acquired due to this was not a Credit Consumer Transaction under 15 U.S. Code 1605 - Determination of finance charge. This information was not disclosed to me at time of sale or business. 2. 3. My finance charge with connections to my consumer credit transaction was not the sum of all charges as provided in 15 U.S.C. 1605 section A. ( 15 U.S. Code 1640 - Civil liability, section A ) any creditor who fails to comply with any requirement imposed under this part, in cluding any requirement under section 1635 of this title, subsection V 15 U.S.C. 81605 part A-F 15 U.S.C. 8 ( f ) or ( g ) of section 1641 of this title, or part D or E of this subchapter with respect to any person is liable to such person in an amount equal to the sum of. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. XX/XX/XXXX, I was charged Emission inspection fee {$35.00}, Documentary fees {$490.00}, Taxable selling price {$8500.00}, sales tax {$710.00}, Title Fee {$29.00}, First Centennial Warranty Insurance {$2100.00}, GAP {$380.00}, Trade in Allowance {$500.00}, Trade in sales tax credit {$41.00}, Deposit/partial payment {$3000.00}. I paid in cash & with debit card. These charges are considered a criminal act on behalf of the creditor against obligor and were to be covered under the Finance Charge. 15 U.S.C. 8 1605-part A - F, 15 U.S.C. 8 1601-1667f, Tillman Act of 1907 ; Were violated by Exter Finance Corp & EXTER FINANCE CORP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, as highlighted in yellow on attached contract documents.
08/08/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MS 39209	Web	Older American
I received a letter on XX/XX/2019 stating that the maturity date on my vehicle was XX/XX/2019, since then I have received several calls from the company inquiring when my next payment would be. I made a full payment of {$320.00} in XX/XX/XXXX as well as XX/XX/XXXX. I know companies can call as much as they like but some of them are repetitive, early in the day and late in the evenings. I received a call on XX/XX/2019 from the company and a representative wanted me to call back, I have never had that happen since I have been doing business with the company. I did call back and informed the person I spoke with of returning the call. I was asked when I would be making a payment, I also informed the person that I had spoke with another representative a couple of days ago and promised to call on the XXXX of the month to let them know to take the current payment out. the representative proceeded to tell me that the balance was XXXX and some change and it needed to be paid. I informed her that I didn't have that amount to pay the car off and if I did we wouldn't be having the present conversation. she informed me that the company couldn't keep pushing the months back and that I would continue to receive follow up calls from them, I told her I understood. she also said something about 80days and once the past due time reaches 80 days being they can't charge interest ( if I am repeating it correctly ) the company the company would probably start proceedings to reposes the car. I asked her why would the company do that and I am almost through paying the car off? and take away the vehicle I need to get back and forth to work, she kept saying she understood. I did inform the representative of my asking to push a few payments back a couple of years ago and was allowed to do so, i was informed that the payments would be added toward the end of the balance of the vehicle. If I had known I would be facing this problem I would have left things alone. I would like for a manager or ceo of the company to contact me and explain the company 's policy on this matter if there be one and allow me to continue to pay on the vehicle until the almost four and one half payments are made.
11/07/2017	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NC 27520	Web
I will insert that I have sent to Company. XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Regarding Account # XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My purpose for writing this letter today is twofold ; one is to thank Exeter Finance for the excellent service you have provided me over the last few years and the second is a humble request to have my account information amended with regards to a late payments occurring in XX/XX/XXXX. I bought my XXXX XXXX XXXX in XX/XX/XXXX, and couldnt be happier with my decision. Was it not for me having a XXXX in XX/XX/XXXX, it has left me XXXX and caused my employer to retire me from my position at the age of XXXX. It has taking me a whole year to become successful against the Social Security Administration and they have approved my claim. Id have a spotless payment history. I understand my obligations with Exeter and I have worked diligently to amend my relationship with you since that time. I have setup with my banking institution to autopay this account. Since then I believe I have learned the essential organizational and financial management principles I desperately needed. Thankfully, responsible credit management is now reflected in my credit records which, excluding the Exeter 30-day late payments, are excellent. I wish to thank you for renewing your confidence in me and for giving me a second chance at a relationship with you, one that I am determined to keep spotless into the future. Recently, I have begun my quest for a mortgage, and it has come to my attention that my tradeline with Exeter may affect my chances of obtaining the very lowest interest rates now available. Since the late payment ( s ) of record do not reflect my current status with Exeter, I am requesting that you give me a second chance at a positive credit rating by revising the late payment ( s ). I sincerely hope Exeter Finance believes in their customers, and I humbly request your consideration. I appreciate your time and look forward to receiving a favorable decision from you department soon. Regards, XXXX XXXX XXXX Please read about my condition. My quality of life has changed.
11/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	DE 19802	Web
I have taken a look at my credit report which has caused some confusion. I used my social security number/card defined under 15 USC 1602 ( l ) to extend credit with EXETER FINANCE LLC to obtain a vehicle. I am a natural person, a federally protected consumer, and the original creditor defined under 15 USC 1602 ( g ). The vehicle which is subject to the transaction was used primarily for personal, family and household purposes. EXETER FINANCE LLC has engaged in extortion and racketeering activity defined under Title 18 Chapter 42. EXETER FINANCE LLC has violated my consumer rights : -15 USC 1602 ( k ) : I was not informed on the cost of credit. I never received written adequate notice that sets for the pertinent facts for this consumer credit transaction -15 USC 1601 ( a ) : Congress makes it clear that consumer credit would be strengthened by the informed use of credit. The only decision I was given after the consummation of the transaction was to make payments without penalty which is a violation of 18 USC 880. The decision I made in connection to this transaction was uninformed. -15 USC 6802 ( b ) ( 1 ) ( B ) : I, the consumer, have never been given the opportunity to direct that my nonpublic personal information should not be disclosed to nonaffiliated third parties such as XXXX, XXXX and XXXX. Nor was I given an explanation on how to exercise the nondisclosure option which is a violation of 15 USC 6802 ( b ) ( 1 ) ( C ). -15 USC 1681a ( d ) ( 2 ) ( i ) : the term consumer report does not include a report containing information solely as to transactions or experiences which means latel payments should not be furnished on my consumer report -15 USC 1666 ( a ) ( 2 ) I am aware that all extensions of credit are tied to my social security card and that the United States is obligated to all debts under 18 USC 8. EXETER FINANCE LLC has caused harm by furnishing inaccurate information on my consumer report. I am requesting additional clarification in regards to the billing errors under code 15 USC 1666 ( b ) ( 2 ) documentary evidence under 15 USC 44 includes books of account. -18 USC 1 conspiracy against my rights is affecting my ability to operate in commerce.
06/11/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	IL 600XX	Web	Servicemember
I traded my XXXX XXXX XXXX financed with Exeter in on approximately XX/XX/XXXX. My account was still open and active on XX/XX/XXXX so I gave them a call to ask why. They said they hadnt received my payoff. I called the dealership who said they sent the total amount of $ XXXX and some change via ACH on XX/XX/XXXX and they provided me with the lien release dated XXXX and a copy of the title as well as the proof of the ACH transfer. I spoke to no less than 5 people at Exeter that day who couldnt find this money and no one could believe the documents that I provided over and over. Finally on XXXX they applied my ACH payment and never explained where the money was lost. However, I had cancelled my extended warranty and gap insurance so the total payoff amount had reduced to XXXX when the credit was refunded to my account even though the dealer had sent over $ XXXX. The credit had been applied on XXXX, and the payoff had been sent on XX/XX/XXXX. My account statement showed the ACH transaction only paid off the $ XXXX to give a XXXX balance even though I was given the ACH receipt from the dealership showing a different amount. I inquired about that overage and asked why my account reflected an inaccurate ACH payoff amount of only the $ XXXX instead of the $ XXXX that was actually paid, but no one could explain it. I asked if i could get something in writing saying the overage would be paid to me and I was denied. I was assured I would have the overage check soon because it was an ACH transaction which clears immediately and I was told XXXX business days from the XX/XX/XXXX date is when I would receive my check, but that my account should reflect the overage by XXXX. On XXXX I still hadnt seen anything regarding the overage reflect on my still open account so I called again. I was again denied anything in writing regarding the overage and was told the check had been mailed on XXXX. Today, XX/XX/XXXX I called to follow up, and was told that the check has not been issued or mailed, that I have to wait 30 days from XXXX when they applied the ACH transaction for the check to even be issued and there was no way to expedite this. I need answers and an explanation.
09/13/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Problem after you declared or threatened to declare bankruptcy	MO 63052	Web
In XX/XX/XXXX my car died and I had to purchase a car immediately. I was working on repairing my credit from a previous bankruptsy in XX/XX/XXXX when this happened. Anyway the only finance company that would finance me was Exeter finance at 27 % interest rate. Being a single mom without no other income but my job, I had no choice but to purchase the car. I did not have money to pay cash for a car and I had to get back and forth to work. By XX/XX/XXXX I was struggling and forced into filing a chapter XXXX. I was told I would be required to pay the full amount of the vehicle but the courts said only at a 4.75 % interest rate instead of 27 %. I have been having money taken out of my check for over two years now totaling almost {$9000.00}. My attorney and I just discovered Exeter never filed a proof of claim as required by the courts. So all of this time the money that should have been going to Exeter was going to my student loan and unsecured debt. At this time I do not know what to do! At this point my only option is to convert to a Chapter XXXX and surrender the vehicle. Otherwise once I get through the XXXX in the next 2 and a half years Exeter is going to come back and ruin me again piling on the amount of the car and late fees. I really don't want to do this. My attorney and myself contacted them multiple times about not filing the claim to no avail. I emailed them a couple months ago explaining this situation and asked if they would reaffirm the loan for the amount the car is worth now at a lower interest rate since it should be half way paid off by now and they did not file a claim. No one ever contacted me. Instead they contacted my attorney and told her WE DO NOT WORK OUT PAYMENT PLANS. She said ok then why did you not file a proof of claim back in XX/XX/XXXX as required by the courts? The person she spoke had no answer and said she would have to get back with her. Needless to say she never heard from her again. They would have had the entire car paid off at 4.75 % interest on top of the 7 months of payments I had already made. I feel like this was a shady business practice to XXXX me over.
10/31/2019	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	TX 75211	Web
Hello I am a co borrorer on a loan with my mother Primary on the Auto Loan with Exeter Finance. I had a car accident in XX/XX/2019. The other person that hit me had insurance with XXXX. XXXX paid the car off in full. XXXX and XXXX show the loan paid off. XXXX is still showing a balance of {$1300.00}. I have spoken with Exeter Finance regarding updating my information with Transunion and show the car paid in full. I have disputed this with XXXX XXXX ( disputed twice ) and XXXX ( Disputed twice ). The response I received from both parties is the Account will remain the same from both XXXX XXXX and XXXX. I called Exeter Finance and spoke to a customer service rep. The rep again stated she would send an email to the credit department. I ask her to review her notes in the system. She read that I spoke to a supervisor in XXXX and they received multiple disputes from XXXX XXXX and XXXX. The supervisor I spoke with name XXXX stated she would send an email to the credit department. I ask her to repeat back what she is stating in the email. She said the credit department need to respond to the XXXX XXXX dispute. I stated both XXXX XXXX and XXXX, not just XXXX XXXX. I also need a letter showing this car is paid off and for this to be expedited so my credit report can be updated and I should not have to wait 30 days. I waited 30 days on each dispute to no avail with no resolve on the pay off and balance should be XXXX. My question was, if you receive disputes from both companies above, then why did Exeter Finance not respond to let XXXX XXXX and XXXX with the paid off car loan. The balance is XXXX. I would like Exeter Finance investigated. I had to call them multiple times to get the car paid off. This company does not follow up and they will go thru half of the process the drop it. I am trying to purchase a car and the dealers are stated that is keeping my score low due to the balance shown. I am very upset with unprofessional company and I do not know how they are functioning as a business when there customers have to constantly call them over them promising that they will take care of it.
08/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29483	Web	Servicemember
Once again exeter finance dances around the topics in a complaint. 1.i have never by exeter or any credit reporting agency been informed of any of the investigative steps taken to come to their responce other than exeter reviewed phone records So since this in its self is a clear violation of the time allotted by the FCRA I ask the CFPB to travel this file deleted and if there cfpb will not based just on that, then I would like to add that according to the fcra that any evidenced used in making a determination or finding in a dispute, is evidence that I am privy too, and if you refer to my previous complaint I stated a formal request to exeter finance to be given any and all calls that they used or have, and ot only have I asked in this instance but at least 3 others and just like the previous complaint exeter and XXXX have totally shown batten disregard for my right to evidence as it clearly states in the fcra that I have a right to upon request so on these grounds as well I ask the cfrb to either remove or persuade deletion. And on the very slim chance that the cfrb doesnt see the rights violation as grounds for deletion I will be seeking civil penalties against those who have and continue 2 bully and flex their I'll placed power XXXX am Formaly requesting any and all including but not limited to the calls that exeter finance made evidence by stating that they reviewed then and stated their fin of review.the fcra allows a time for delivery of 15 days if not delivered in that time please do away with this account so that this nightmare of dealing with this lying company who will not stand by their word when this vet stood for them if for some reason claims company policy for not being able to release please advise them that if they did not want them to become rightful and dutiful evidence they should have never mentioned them in their responce company policy is no concern of mine as I am within my rights to review them and if they do no provide then please Delete this file hopefully my words early on in this complaint will enable it to not get to this point and will be delete C
08/22/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	GA 30263	Web	Servicemember
This letter is regarding an account, which you claim I owe {$14000.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
03/14/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	ME 04210	Web
IN XXXX of 2017 I was encourged by a co worker to go to XXXX XXXX in New Hampshire as my co worker 's son was a sales person at this dealership. I had just turned XXXX years old and had no knowledge of how to buy a car or secure a loan on my own. I did not know what a good interest rate was, what it means to have a consigner and on and on. A couple of months later my car was vandalized and I came down with XXXX. As. XXXX XXXX I needed my car for work and was unable to drive the vehicle any longer for safety reasons. I was also not able to XXXX any longer as I could not afford to register the car. I was not aware that as a resident of the state of Maine I would have to pay the taxes I " saved myself '' by purchasing a vehicle in NH. Given the XXXX I was not able to work " inside '' tXXXX XXXX for a week. This caused my to be behind financially. I started to recieve calls from XXXX XXXX ( the company my car is financied through ) and it was at this time I realized that something must be off with this loan. I had my mother call Exeter with me to explain the terms of my loan " I had no paper work on hand ''. I learned that my interest rate is 27 % over a course of 72 months, that it is a simple interest loan and I am being charged a fee of {$10.00} a day for each day that it is late. That $ XXXXday does not increase my payment but it does take away form the amount of my payment that is applied to the principle. I am also being charged a 5 % late payment fee that does increase my monthly payment after being late 10 days. On the advice of my mother and with her assistance I am writing this complaint. A 27 % interest rate sample loan for a vehicle is AT BEST PREDATORY and can not be legal? I was 100 % taken advantage of by the finance department at the Dealership. XXXX XXXX should be locked away for charging this type of rate for a loan and then adding astronomical late fees! It is obvious that this company preys on people with poor or no credit, they never intend for me to be able to pay off this loan, they are making more profit off the backs of people with little resources.
09/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 450XX	Web	Servicemember
I Purchased a vehicle through Exeter finance LLC in XX/XX/XXXX. The vehicle was totaled in XX/XX/XXXX and paid off by XXXX XXXX XXXX in XX/XX/XXXX. All payments for the vehicle were continued and not missed. XXXX XXXX XXXX mailed a check via XXXX XXXX to the finance company but when I called to verify I was told they hadnt received the check. I then called XXXX back and they said the check was received and cashed. The loan was paid off in full. A lady from Exeter finance company called threatening me that if I did not pay her {$2000.00} via my bank account that she would have this account put back on my credit even after it was removed from XXXX. I asked her what the {$2000.00} was for and she could not tell me all she said that it was a fee or something I told her that the vehicle was paid off by the insurance company. The insurance company had possession of the vehicle but she continue to demand and harass me To pay the {$2000.00} by phone right then and there. There were many inaccuracies And they were removed from all three credit bureaus. She ( XXXX ) was able to put inaccurate information onto my XXXX credit report that is now hindering my ability to buy a home. This was an auto loan and all the information that she has put on there is inaccurate. It is showing a charge off for a debt that isnt mine. The information is incorrect and does not reflect the original auto loan that was on my credit. That is why the three credit reporting agencies removed it to begin with. I dont understand how someone can put in accurate information on your credit report after threatening you to pay them on the spot that day via my bank account, threaten to ruin my credit and put account information that is not mine or doesnt pertain to me or my dealings with this company. Yet, Im able to be harassed and threatened and my credit ruined and the only company that allowed her to put it on my credit was XXXX. I would appreciate this company to investigate my concerns and remove this inaccurate/untrue account information from my XXXX credit report.
06/06/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	GA 30094	Web
In XXXX I obtained a car loan from Exeter Finance by the beginning of the year XXXX my car loan was paid off without a late payment throughout the entirety of the life of the loan.Through the life of the loan I obtained a few deferred payments in which it was explained to me by representatives working for Exeter Finance that I would pay these off once my original loan was over. They explained that once my original loan was paid I would continue making my monthly payments of XXXX every month until the deferred payments were paid off. XX/XX/XXXX Exeter Finance contacted me explaining if I did not pay the balance in full of the deferred payments they would report to the credit bureau each month XXXX days etc until paid in its totality. I explained to them what the representatives of their company had previously told me about the deferred payments their reply was Im sorry they told you that but they were wrong. I responded well I went along with the deferred payments based off of what they told me if I knew I would have had to come up with a lump sum of money at one time I would have went another route.I continued to make my monthly payments on time every month even extra payments to try everything in power to pay these deferred payments off I feel this was a situation where predication of consumer was at hand. I take my credit so seriously thats why I never had a late payment throughout the entire life of the loan but this entire ordeal with this company is ridiculously on so many levels. My entire credit report is very good and my score to with the exception of this blemish this company has left a dark cloud over my credit. If you take a look at my account with Exeter Finance over the XXXX or XXXX years it is flawless then at the very end you will notice something odd and strange looks like this account has took a turn for the worst not normal. Any help that can be given in this matter to resolve my situation and to not let Exeter Finance prey on anymore consumers in the future would be greatly appreciated. Thank you
03/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI XXXXX	Web
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MI XX/XX/XXXX XXXX Attn. : XXXX XXXX XX/XX/XXXX To Whom It May Concern, On XXXX/XXXX/XXXX, I wrote to you requesting an investigation into items that I believed were INNACCURATE, DAMAGING TO MY CHARACTER, and also fraudulent. To date, I have not received results of the requested re-investigation. In my previous request, I listed my reasons for disputing the information. Those reasons included making sure that the information being furnished was accurate. Neither credit reporting agency has been able to prove accuracy and completeness of their reporting on my personal credit reports. Since this is my SECOND request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. Please see my reasons for dispute below : Account name : XXXX XXXX XXXX Account number : XXXX ; Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX. XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : EXETER FINANCE LLC Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX All the listed accounts are in violation of my consumer rights with regards to my consumers right to privacy. This harmful public information is placing my life and the lives of my family in danger. Please remove these negative, harmful and fraudulent accounts from my report. I just want to live free as God intended. Violations so far- 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction I also understand that you are required to notify me of your results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. Sincerely, XXXX XXXX
01/25/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	PA 19013	Web
Exeter In response to your letter on XX/XX/XXXX stating you mail me a letter in which I never received. As to mailing you and calling you before you took my car to pay the full payment that was behind. I had explain that the health Care company I work for had payment issues with my salary at the time was XXXX and having me holding checks and causing me issues with my bills. Its on record with the state department of labor and industries. Exeter stated they mail me in which they mailed it to the wrong address as well I have attach letter showing the wrong address as well as a copy of the insurance by progressive showing my address on record to Exeter. It shows Exeter as the lien holder and proves they no my address. I also have the statements each month they mail to me with the right address. When I was trying to pay Exeter they would not accept the payment. Exeter never mailed me nothing to the sale of the Vehicle. Exeter also sold the Vehicle with mailing me nothing of the sale. No attempts after they took it for me to pay the rears that was due. Exeter also played the mail it to an old address in which was updated at the post office in the post office. And Exeter also mailed me on XX/XX/XXXX saying they transfer it to XXXX XXXX XXXX. Date of notice was on the letter in which I have attach shows XX/XX/XXXX but look at the transfer date is XX/XX/XXXX but my notice XX/XX/XXXX Exeter also never responded it was we working on it. This company does not respond and give the consumer the run around. I have attach all documents for proof. I want this removed from my credit file. Exeter was reporting the original balance after they sold it every month doing major damage to my credit file. There was no original amount after they sold the Vehicle. Also Exeter was saying one amount and ran up fees. As to there response there is no deficiency that they responded back from the CFPB I have also considering filing suit on Exeter if the matter is not resolved due to the errors and the proof I have on record on Exeter
05/22/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	OH 43081	Web
Today at XX/XX/18, my vehicle was stolen from address XXXX XXXX XXXX XXXX XXXX oh XXXX. Ive reported this to law inforcement in XXXX Ohio. And went to the dept of motor vehicles got my license plate XXXX. With a valid Id and social #. They verified my car was stolen. I called because I was trying to figured out who may took my car. My title and my registration They are both in my vehicle, I have my Id to pick up my vehicle. The neighbors said it was stolen by a white truck .and they couldnt see the license plate number Of the truck. So the company Exeter finance said they took my car and that was illegally done. XXXX XXXX XXXX from Exeter explanation was that I owed money. I asked him if he had seen me signed any legal paperwork or documents stating that I agreed. He said on recording that he didnt see me signed any documents, and then was explaining to me that he had took my car to and its at an unknown location. I explained the dealer said i needed an amount of XXXX or XXXX cash, he guaranteed I will be in a car that afternoon. So I said fine, Whatever the car dealer and Exeter agreement was I wasnt present. I payed the exact amount of cash including tax that was recommended to drive off the lot. So they need to speak with the car dealer company because now I see they all need retrain. So again XXXX XXXX XXXX He didnt see me signed any law binding contract or contracts so I dont know how hes saying I owe something that he clearly didnt see me signed at all. So with These predudice and false accusations against me are illegal. Now I expect my vehicle to be released from your unknown location where they hide my vichecle. I need my vehicle today asap. thk you very much. Ive reported this again to law inforcement and the department of motor vehicle of Ohio with valid government issued Id. How can you steel my car from public property and lied that i signed paperwork that you are me lien holder, you never seen me signed of your documents XXXX XXXX XXXX from Exeter. I need a response today
03/30/2023	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	MI 48042	Web
I am reaching out regarding my rights according to the Fair Debt Collection Practices Act, Specifically Section 806. Harassment or abuse. Under Line ( 5 ) it is stated : Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number would be violation of this section. I feel that I have been continuously abused, and harassed by Exeter Finance, the lender currently holding the lien on my XXXX XXXX XXXX. Below, I will show the numerous phone calls I receive within a month. Using different phone numbers, calling 2-3 times per day within 30-minute intervals each time. Under the Debt collection rule collectors are presumed to violate the law if they place a telephone call to you about a particular debt more than seven times within a seven day period. The increased stress from these harassing practices has a hindrance in both my daily life, and mental health. Which in turn makes my ability to faithfully repay my loan rather difficult as I feel constantly under pressure by Exeter Finance. From Friday XX/XX/XXXX XX/XX/XXXX they called 9 times in a 6 day time frame. ( Considering they are not able to reach out on Sunday, potentially 5 days. ) Each of these phone calls were placed within 30 minutes of each other. On XX/XX/XXXX I was called 4 times, first at XXXXXXXX XXXX, XXXX, XXXX, and at XXXX EST. XX/XX/XXXX I was called at XXXX, on XX/XX/XXXX three calls were made at XXXX, XXXX, and XXXX. Resulting in 8 phone calls within 4 days. Below I will show my call logs, which will show the number of violations against my rights according to the Fair Debt Collection Practices act. As evident in the video attached, this is a reoccurring theme throughout the loan with Exeter Finance, breaching my rights numerous times. They have also been contacting my mother, who is not involved in the loan, so that would add to the excessive phone calls placed to collect my late payment.
02/08/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	GA 30093	Web
Notice of Dispute This is concerning Account XXXX : XXXX. I previously sent you a request to validate my debt under the Fair Debt Collection Practices Act, and all I received was a copy of the alleged account information. This does not begin to fulfill my information request and your requirement to provide the requested documentation. Your effort is inadequate and does not meet Federal Trade Commission debt validation guidelines. The FTC has noted that providing a copy of a printout, bill, or alleged account documents does not constitute validation. Mere itemization of what you already have does not accomplish my requested debt validation. This is my second request. Please provide me with ALL of the following points of information : Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. The agreement bearing my signature stating that I have agreed to assume the debt, Valid copies of the debt agreement stating the amount of the debt and interest charges, Proof that the Statute of Limitations in GA has not expired, Complete payment history on this account along with an accounting of all additional charges being assessed Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent or Agent of Service. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by bringing this issue before a judge. I intend to take all legal steps available to me if I do not hear back from you.
06/25/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	WA 98056	Web
On XXXX XXXX 2015 I successfully refinanced my Auto loan from Exeter Finance Corp to a XXXX XXXX XXXX. On XXXX XXXX 2015 they ( Exeter ) 'cleared ' that there was an overage amount of {$490.00} that was due to me. Exeter stated that it would take 30-45 days for the overage check to be issued and sent to me. Exeter stated that on XXXX XXXX they had sent the overage check. After a period of approximately 7-10 business days, I had still not received the check. This is a beyond reasonable time frame for standard ground mail to travel from XXXX, XXXX ( Exeter 's location ) to XXXX, XXXX ( my location ). I made contact with Exeter on XXXX XXXX 2015 and stated that I had been more than patient in waiting for my money and arranged for the previous check to have a 'stop-payment ' issued in order for Exeter to issue me an ACH/Direct Deposit of the funds directly to my bank account. I called again on the XXXX, then the XXXX to check on the status and see if my direct deposit had been issued. Exeter stated they were still waiting on the bank to verify they could 'stop payment ' of the initial paper check. I continued to wait and then called again on the XXXX of XXXX to check the status of the direct deposit. Much to my shock and irritation, they still had no new information to give me. I called again on the XXXX of XXXX to try and illicit a response regarding this issue. Exeter informed me that a second paper-check was mailed out on the XXXX, despite what we had agreed upon and specifically noted on my account on XXXX XXXX. I continued to wait and on XXXX XXXX I called again very frustrated that I had still not received either the initial check which had a stop payment issued nor the second check which was sent on XXXX XXXX. I was blown off with a response that said there was nothing they could do once the check was mailed and that it would ( again ) take 7-10 days for the check to arrive. It is now XXXX XXXX, over 2 months since I paid the account in full and have still not received my money.
01/13/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MD XXXXX	Web	Servicemember
The complaint is for both customer service and credit report/reporting issues. On XX/XX/XXXX I received an alert from my credit monitoring service that Exeter Financial XXXX placed an action on my credit reports stating that my account with them is 30 days past due. I definitely was not aware that my account was past due as I have made my payments every as my contract states and have been working very hard to improve my credit worthiness ; this action really set me back. I reached out to Exeter to find out what was going on. The representative reviewed my account, and stated that I had missed my XX/XX/XXXX payment. I was devastated because I am pretty good about paying my bills and if I did miss a payment. I would think someone from the company would have reached out to me regarding this matter. In XX/XX/XXXX, I reached out Exeter to inquire about possibly receiving a payment deferment due to COVID hardship for a decrease in income. Representative never stated that I was behind or I missed any payments. He explained to me that the payment would be put to the end of the loan and my next payment would be XX/XX/XXXX. I repeat not once did the representative state that I was behind because if I was, I would have asked for the deferment as well as what I would need to do to bring my account current and still have a payment due XX/XX/XXXX. After the representative submitting the request, he went over the details of the deferment and stated that once the deferment was approved that my account would be current and next payment of {$780.00} was due on XX/XX/XXXX. I called on XX/XX/XXXX to make sure the deferment was approved and it was. From XXXX on, I made my payments on time. Still on XX/XX/XXXX, I requested a deferment to bring my account current because after calling in on this date and finding out all this information I would have to make 2 payments in order to bring my account current in which I can not afford. The deferment was approved and my account is current as of XX/XX/XXXX.
09/11/2020	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	CA 92562	Web
My truck was repossessed. XX/XX/XXXX. In an attempt to pay and settle debt, I called XX/XX/XXXX and spoke to XXXX. At that time she offered me a settlement of {$3900.00} out of an balance of {$9000.00}. She said that they would not remove it from my credit but will update to a {$0.00} balance. At the end of the conversation XXXX XXXX I thought ) told me to call back when I had {$3000.00}. I told her it would take me a couple of months and I would call back. I call back XX/XX/XXXX and spoke to XXXX. XXXX said that the settlement amount was {$3900.00}. I was then transferred to about 4 different reps that kept telling me that the notes said {$3900.00}. I requested to speak to XXXX and sh said her notes said {$3900.00}. I asked for the recorded to be listened to and she hung up in my face. I called back and spoke to XXXX a supervisor and she listened to the call and stated to me that she HEARD ON THE RECORDING XXXX say {$3200.00}. asked not to be contacted by XXXX any longer because she hung up in my face. XXXX said she would sumbit a request for the {$3200.00} as a settlement and they would get back to me. XX/XX/XXXX XXXX called me ( after I requested her not to contact me XXXX and said the counter offer was {$3800.00}. I thought it was a joke and cant figure out why she was calling me after I specifically asked XXXX the supervisor not to have her call me. Also according to XXXX, there were also a few payments made over the account over the years which were not made by me. She was not able to tell me when the payments came from. This was a slick way of keeping this item on my account longer. Since a payment was " made '' it starts the 7 years over. I am a single mom of XXXX and due to XXXX, I haven't worked in months and since contacting them in XXXX, they are now reporting late payments each month on my credit which is hurting me. After reading all of the reviews on the XXXX and seeing how they lost their accreditation XX/XX/XXXX, I can see why they treat people any type of way.
06/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94531	Web
Exeter Finance has continually and intentionally/willfully violated section 623 of the FCRA and it's specifically amended by statute 602 whereby it is 1, Prohibited to ( A ) report information with actual errors and 2, ( B ) Report information after notice and confirmation of errors when I continuously challenged their reporting of this account in my numerous 611 disputes with the credit reporting agencies and subsequent 623 disputes with them. On XX/XX/XXXX, I disputed balance owed as I never received any of the required paperwork such as all notices up to and including the notice of deficiency sent certified mail under the law which entitles them to mark my credit reports, payment history, date of last payment and so forth across all three credit bureaus after being denied various credit opportunities and products. On XX/XX/XXXX They denied my 623 request to see all documentation on this account ( only sales contract which is not germane to this subject ) to justify they were not erroneously reporting and continued to report it even though they also had proof that they were violating the FCRA by reporting the inaccurate and negative information differently across all the credit bureaus. Then on XXXX XXXX they sent a follow up letter stating my dispute was frivolous at which point I continued to dispute with the credit bureaus until XX/XX/XXXX. Under the FCRA, if any piece of information is not accurate and complete after an investigation is brought by a consumer the furnishers of the information must update or delete said information so that it is accurate and complete across all the bureaus it furnishes the information to or it faces numerous violations under the FCRA. I continuously asked through the entire dispute process with both the CRA 's and the OC to either update or delete the negative information from my credit reports and was continually thwarted by both all the while keeping me from receiving the great credit products and interest rates I would have enjoyed.
07/15/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	NY 10466	Web
Exeter Finance claims that I owe the repayment of an auto loan. I disagree with their claim because I paid the bank for an extension of my own credit via a Finance Charge when I signed the contract for the XXXX XXXX XXXX back on XX/XX/XXXX. According to 15 USC 1605, ... the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The portion that says, ... payable directly or indirectly by the person to whom the credit is extended refers to me, the consumer, and the portion that says, ... imposed directly or indirectly by the creditor as an incident to the extension of credit., refers to the banks. The transaction was completed at the signing of the contract because the initial payment of the finance charge was needed for the banks to extend my credit to the dealership for the car. When I asked for the verification of the original creditor, not just the creditor, the bank claimed that they were the original creditor for each respective contract. This is false because the role of the bank is not to lend credit pursuant to 12 USC 1431 since it is not stated as a part of the Powers and Duties. By omission, I must be the original creditor since I am the only other party present in the consumer credit transaction. Therefore, there is no need to pay back something that already belongs to me, eliminating the idea of any debt. The only thing I would have had to pay to the bank was the Finance Charge which was already paid as explained earlier. This was a consumer credit transaction which was completed therefore there is no debt that I owe. I asked for validation of debt and each bank sent me a copy of the contract attached below which clearly indicates the price for the Finance Charge that I paid via my credit card for the extension of my credit.
04/09/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CA 951XX	Web
I totally disagree with Exeter Finance Corporation 's response. Exeter Finance Corporation failed to address the Real Issue and is hiding the fact that they are scamming consumers. Exeter Financing is a scam and its Shady Financing is unscrupulous. On or about XXXX 2014, I entered into a Retail Purchase Agreement with XXXX /Exeter Financing Program XXXX I was NOT employed by XXXX at that time and was not told that I would be fired if the Customer Rating falls below XXXX. XXXX XXXX failed to do a thorough check on my " Proof of Income '', thus without checking the income they put me in this high interest loan with exaggerated monthly payments. Driving for XXXX never generated that much of income to pay that high monthly payments. The intricacies of their financing program has really hurt my credit score and is n't helpful at all. It basically is a trap in a cycle, working for XXXX to pay for the car I signed up for under the guise of steady, gainful employment from XXXX. As stated in my claim I was terminated just a week after my purchase of this vehicle. On or about XXXX 2014, I made many calls to Exeter Finance that I would like to surrender my vehicle but they hang up on me and told me not to contact them anymore. I contacted Kia Dealer and they informed me to contact Exeter Finance as the car now belongs to them. Enclosed is my letter to Exeter Finance requesting them the same. However, they ignored me completely and continued to bill me for this high funded loan. I did not enter into any kind of agreement or sign any documents with XXXX as an Independent Contractor, the findings from government agencies state that this strictly an employee status NOT an Independent Contractor. Thus Exeter Financing Auto Loan is a fraud and scam, the drivers ' paychecks are docked to repay the auto loan. XXXX takes a 25 % from their driver 's and additional fees, there is no way a driver can pay {$980.00} monthly payments with this loan structure and unstable employment from XXXX.
03/16/2023	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 90057	Web
xeter has been reporting late payment on my account since XXXX XXXX. I contacted them XX/XX/2022 and spoke with someone and they provided me with a payment extension for XX/XX/XXXX & XX/XX/XXXX, they sent the form on XX/XX/2022 and I signed the form on XX/XX/2022. I checked my credit recently and I see that it has been reporting late XXXX, XXXX, XXXX XXXX, and XXXX. I called and was told I needed to email the report and forms showing where I did sign, I did that and was told it had to be sent via the portal. I then submitted the forms via the portal. I was then told it needed to be mailed in to disputed. I disputed the issues with all credit reporting agencies, providing the signed form and stating that it was submitted so I don't understand how it late. I received a letter back from Exeter stating nothing would be updated, the late payments were staying. I then called Exeter and explained the situation and was told the extension was not applied because it was never received and that is why the late payments are remaining. Exeter agent basically insisted I never completed the form. I then contacted the company XXXX XXXX and confirmed in fact I did sign the form and it was sent to me on XX/XX/2022, and then submitted to them on XX/XX/2022. I had XXXXXXXX XXXXXXXX email this along with forwarding over the confirmation email that was sent on that day when I signed. I emailed all this information to Exeter again and was told to send via portal. I then sent via the portal then I was told told this should be handled by the phone. I called Exeter back once agin and the first agent stated I should be emailing customer service about this, I explained I had done this, he too insisted well I didn't submit the form and it was my responsibility to make sure the form was received, even though I received a confirmation email that came from XXXX @ XXXX that the form was completed and sent. No one is trying to assist or look into the issue with their system, I need help addressing.
09/06/2022	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	IL 60637	Web
Just recently I spoke with a representative from Exeter Finance LLC. I spoke to him about my contract and the fact that even though the CEO said that a part of my contract was not funded, it still makes my the contract void because it has incorrect information on it causing me major confusion. I explained this him and he asked " why didn't you ask questions if you did not properly understand the contract? '' I then replied : " I did ''. Then he went on to say that if i did then i would not be calling about it now. After a long conversation, I asked him for a account XXXX XXXX of my account. He did not know what I meant because he offered to send me a statement of account which I already have. I then told him that i need to see a copy of the check that was sent over to XXXX XXXX in order for me to drive out of there with the car. He then refused and said that he can't do that. I then said I should be able to see the copy of check that you issued to XXXX XXXX because I am asking for debt validation under the Fdcpa which is federal law. I then asked him to send the debt validation within 14 working days so that we could sort this out. he then said OK. I still have not received the copy of the check given to XXXX XXXX from Exeter Finance. I have no proof that this debt is valid and need to see the copy of the check before we can move forward. I also want to bring up the fact that I heard from another Exeter FInance LLC representative that all down payments have nothing to do with the finance company. So the {$3000.00} down payment I paid for the vehicle in question did not go to the finance company : Exeter Finance. If that is the case, why was it on the FEDERAL TRUTH IN LENDING TABULAR at the top of the retail instalment contract? It is against the law to lie on the FEDERAL TRUTH IN LENDING TABULAR located at the top of the contract. Also, why does the retail installment contract say EXETER FINANCE CORP when that place does not exist. Another error in the contract.
04/19/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	TN 383XX	Web
Exeter Finance approved me for a loan on XXXX XXXX for a XXXX XXXX XXXX through XXXX. On XXXX XXXX the vehivle burned and was considered a total loss. The inital loan amount was for XXXX After all the interest accrued ( which I was not informed of from th beginning ) My insurance sent them an initial payment of XXXX which shows as clearing their bank on XX/XX/XXXX. Once that check was posted to my account Exeter show a balance on my account of {$2500.00}. My insurance sent a second check in the amount of XXXX on XX/XX/XXXX. At this time, Exeter has yet to post that check. This would make the total {$20000.00} However, it shows at this time I owe {$2500.00}, which means Exeter should owe me {$910.00}. They have not returned that money. They also refuse to give me a letter stating the account has been paid although they have RECEIVED BOTH PAYMENTS AS OF TODAY. They stated they hold the funds for 14 days. I can not get a car financed until I have the letter from them stating it was paid. So this is costing me money having to pay for a rental vehicle, due to not being able to be financed because they will not give me the PAID letter although they HAVE RECEIVED the money and {$910.00} OVERPAYMENT at that. I feel this money needs to be sent to me as I am a single mother about to lose everything I have, including my job and not be able to care for myself and daughter due to having to pay out of pocket for a rental because I can not get financed without this letter. Also, MY INSURANCE made that overpayment meaning that money belongs to ME. I have been through XXXX with this company. They are very rude. Charge outrageous rates and as I said I was never explained to that I would be paying a daily interest rate of XXXX on this loan from the date of loss. I never agreed to such. They got ALL the money they financed in the agreed upon loan which was XXXX, plus plenty of interest. They need to return the excess XXXX $ owed to me, as this single mother is very much in need!
04/24/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	SC 29680	Web
On XX/XX/XXXX I purchased a used XXXX XXXX XXXX XXXX from XXXX located in XXXX North Carolina on XXXX XXXX. The loan was approved by Exeter Finance. Contract was signed, delivery of vehicle taken and down payment of {$1800.00} paid. About a week or a week and a half later received a call from XXXX stating that my employment start date of XX/XX/XXXX fell short of Exeter 2 week time frame and Exeter was attempting to not fund the loan. Spoke with Sales Manager provided information as to documentation provided to Exeter as well as approval from Exeter regarding the documentation. Was advised by XXXX that they would contact me if any further action was required. I did not hear from Exeter or XXXX. I contacted Exeter on XX/XX/XXXX attempting to make payment at which time I was told I was not a customer and referred back to dealer. Spoke with dealer and was advised that needed to bring the car back and have it returned to inventory and attempt to repurchase and obtain financing now that 6 months employment criteria was now met without an exception having to be made. XXXX has agreed to return the vehicle and exchange it for another that XXXX is offering for sale, however Exeters approval keeps yo yo ing anywhere from {$2000.00} down with 28 % interest XXXX this is agreed upon terms and specified financing option requested XXXX to {$4500.00} down payment requiremented depending on which location ( state ) the car is purchased in. XXXX has already titled the vehicle I am in possession of to me with Exeter listed as lienholder. Exeter says I am not a customer. XXXX states Exeter will be repossessing the vehicle. How can they repossess if I am not a customer and have not breached the terms of my contract with them? How can they hold a security interest in the vehicle if they are not providing a loan? Wouldnt the security interest belong to XXXX as stated in the financing contract they provided stating that they would be transferring the contract to Exeter?
03/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89141	Web
EXETER FINANCE claimed to have completed a reasonable investigation with the furnisher of information and verified the account as reporting 100 % accurately. However, this account is still inaccurate and EXETER FINANCE is continuing to report errors on my credit file, violating my rights and damaging my credit score at the same time. I want all late payments removed or the account XXXX XXXX XXXX deleted for inaccuracy because the date opened is reported as XX/XX/XXXX on XXXX XXXX and XX/XX/XXXX on XXXX. There was no notice of dispute on XXXX, and only XXXX reported my dispute which is a violation. The date last active shows XX/XX/XXXX on XXXX, and XX/XX/XXXX on XXXX which means the account was re-aged and thats a violation. The late payments are reported inaccurately and inconsistently on XXXX and XXXX. I cant figure out how you verified these late payments when the only form of verification is the bank statement belonging to this company. I need to see all original bank transactions and statements that belong to this company that would prove my payments were not accepted on time or you need to remove these inaccurate and unverified late payments. Each Bureau has a different historical payment date. Delete this account for inaccuracy because 2-3 bureaus report different information. EXETER FINANCE has violated my rights numerous times. 15 U.S.C 1666 ( B ) states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681s-2 ( a ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1681 section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written consent. 15 U.S.C. 1692 Section 806 Section ( 5 ) Causing a telephone to ring or engaging any person in a telephone conversation.
09/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL XXXXX	Web
I report abuse of trust by a former co-worker in the process of processing the AUTO loan and where they took advantage of my good will and conducted a whole process of strong consultations with different banks and financial companies, through deception, manipulation and tricks. unscrupulous The car process is requested by XXXX XXXX ( XXXX XX/XX/XXXX Utility - Please see attached data / Digital backup ). XXXX XXXX asked me to help accompany her to her office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. - First. They checked her credit and her credentials. ( SSN ) And the salesperson who helped her at that time told her that her credit score is incredibly low and that she needed to present a guarantee and contribute a higher premium to the AUTO. Given that the monthly fee would be approximately USD XXXX to XXXX. Having this information, XXXX XXXX suggested to the seller that she try my personal credentials ( SSN ) to see the numbers and take advantage of my credit history and see if the monthly payment could be lowered. So, $ XXXX was a very heavy amount for her finances. She was looking for an average fee of approximately USD XXXX. I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best financial decision for her budget. She and the sales associate assured me that only 1 inquiry would be made to the credit bureau and that it would be smooth. And it would not affect my score in the slightest. situation, which is NOT true at all. At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and I NEVER request to be the main debtor and/or co-debtor in this credit process. Here, the deceived, used and useful fool has been my person. And I was almost scammed, due to this bad practice and abuse of trust from my former co-worker.
05/01/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	VA XXXXX	Web
The car that was allegedly sold to me was repossessed with the Exeter Finance and was not resold. According to Virginia state law once the vehicle has been repossessed, the original creditor may decide to either keep it as compensation for your debt or resell it in a public or private sale. The Exeter Finance decided to keep the car as compensation and therefore I no longer owe the original creditor for the vehicle. If this car was resold proper notices were not given. Under the laws of the State of Virginia UCC and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. State law also requires that the creditor tell you the time and place of the sale so that you can attend and participate in the bidding or If the vehicle will be sold privately, you have a right to know the date of the sale. None of these things have been done or provided by this collection agency to properly validate that this debt is owed. I want to be provided the following : A proper validation with the signed contract with the original creditor A copy of purchase agreement If there have been any other changes or adjustments since the last billing statement from the Exeter, for them to please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are authorized by the agreement creating the debt and permitted by law in my state. Provide proof that all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. If the vehicle was sold provide proof with a copy of the required State law notice sent of the amount, time, and place of the sale and If the vehicle was sold privately, provide the proper notice with the amount and date of the sale.
08/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 290XX	Web
There seems to be an error on my consumer report furnished by Exeter Finance LLC. On my consumer report, there is a late payment reported which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that Exeter Finance LLC is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is Exeter Finance LLC attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has Exeter Finance LLC has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.
02/09/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	MD 20744	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX. XXXX XXXX XXXX GA XXXX XX/XX/2021 RE : Social Security Number : XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by Exeter Finance in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see you have my account listed as a Derogatory and Charged off account. This account has already been disputed and removed from my XXXX credit report due to inaccuracies. I challenge the accuracy, compliance and reportability of this listing. Please validate this information with Exeter Finance and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, MD XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
02/01/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	FL XXXXX	Web	Servicemember
On XXXX XXXX, I received a letter of intent to sell from a third-party debt collector known as Exeter Finance XXXX . A debt collector pursuant to 15 USC 1692a ( XXXX ) means " any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another ''. They stated that they would sale my vehicle because I broke a promise in our agreement. Pursuant to 15 USC 1692e, Exeter Finance XXXX has violated my consumer rights by stating that nonpayment of this debt will result in the XXXX and sale of my property in which they have no legal right to do. Pursuant to 15 USC 1692d ( XXXX ), Exeter Finance XXXX advertised the sale of my vehicle to coerce payment from me. Pursuant to 15 USC 1692f, Exeter FinancXXXX XXXX took nonjudicial action to effect dispossession of my vehicle which they do not have any present right to possession of my vehicle which was claimed as collateral through an enforceable security interest. The vehicle was never in their possession, therefore, they have no right to gain possession of the vehicle. Pursuant to 15 USC 1692d, a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of any debt. Exeter Finance XXXX has harassed and abused me by causing harm to my reputation, which can also be known as my consumer report. With Exeter Finance XXXX reporting false information on my consumer report, I have struggled to take care of my personal/familial needs. I never gave Exeter Finance XXXX prior consent to contact me through any means pursuant to 15 USC 1692c. Exeter FinancXXXX XXXX has caused me anxiety, mental anguish and has caused me to pick up another job due to the fraud that they are conducting.
07/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN XXXXX	Web
Unauthorized Credit Inquiry -Second Request Dear Sir or Madam, Principle XXXX submitted my credit to you after I specifically told them not to. They have been untruthful, unethical, and unapologetic in their business practices. I have already contacted them and they refuse to correct their behavior. To show their recklessness with my personal information to include my credit I have enclosed documentation. Unfortunately they have put your company at risk an action must be taken to correct the record. Specifically The buyers order that they sent to me minutes before sending to you is totally different. The amount financed on my copy is {$30000.00} The copy that was submitted to your organization was {$32000.00} a difference of {$1400.00}. Why would I want to pay more and why would I ask them to run my credit after I got a purchase order so I could obtain the loan on my own? I told them not to run my credit again. It is clear and can be proven I did not authorize this inquiry. I included a copy of an email that states exactly my situation and what I am looking for. This includes no money down, an early lease turn in/or buyout, and a lot of negative equity. My credit score was run onXX/XX/XXXX when I came in to the dealership and came back at XXXX from XXXX. Based on all of the above information I would expect that the sales manager is trained to know what options if any are available without having to run my credit over and over as was done in this case. In addition I am sure there are guidelines for each bank based on specifically the information that has been provided ( examples ) credit score, amount financed, ratio of loan to car value etc. I am requesting for a second time for this unauthorized inquiry to be removed. Failure to comply will result in complaint to the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX as well as the FTC. I expect the unauthorized inquiry to be removed within 15 days of receipt of this letter.
11/08/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA 94066	Web
On XX/XX/2022, I called XXXX XXXX XXXX a partnering company with Exeter Finance for repossessions. I was told that my car had been sent to Auction today, and that I should set an appointment to come and retrieve my personal property from the company 's office. The letter that I received from Exeter Finance stated that I had until XX/XX/2022, with a 10 day extension option to submit a payment in full for a redemption of my vehicle. On XX/XX/XXXX, shortly after receiving the letter I submitted a tender for payment in the amount of {$16000.00} via certified mail with the return card # XXXX according to UCC 3-603 which states : ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. ( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument. I never received so much as a refusal phone call, email, or notice that the tender of payment was refused by Exeter Finance, and that my vehicle would be sent to auction before the date stated in the letter.
06/16/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 310XX	Web
In XXXX of XXXX I financed a XXXX XXXX XXXX through Exeter Finance. 3 years later and much research i have found that was the biggest mistake I ever made. Back when Covid hit in XXXX closing down things and money became tight ; I reached out to them to refinance my loan as a lower rate due to i had been making payments timely. They denied me and told me they do not refinance. The orginal loan amount was XXXX and as of today the value is XXXX but to pay off is XXXX. My bank has made to attempts to pull me out of this loan but for the vehicle is not worth what they say I owe as well as the refuse to send me itemized proof of how my payments are being paid. The last straw was when I found out they have been harassing my children. XX/XX/XXXX My XXXX old was at work and received a call on her cell phone and was completely thrown calling me at work. Mind you i had just spoken with company on 2 days ago on XX/XX/XXXX about trying to receive information on how my payments are being applied. I have been asking since XXXX with know luck. My oldest daughter of XXXX then informs me, moma these are the same people whom have been calling me so much i had to block their number but then they started calling from another number. My kids numbers have never been released to them nor were they placed on my contact list at the time of purchase they were minors at the time as well as I don't use my children 's information on loans. I called them immediately and they back trailed and accused me of calling from my children phone and they saved the number at which time I told her my daughters have XXXX phones which I don't know how to use. I have an android not to mention I have never used my children 's phone to ever reach out to them because I have my own cell phone as well as my house phone which is what I use. These people have been sued for unfair loan practices just a couple of years ago and they continue to do so.
08/17/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	WI 54304	Web
Company : Exeter Finance , LLC, ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, TX XXXX On XX/XX/2022, I completed paying off the amount of a vehicle loan with Exeter Finance . By this date all the payments were paid and cleared with an Echeck through a financial institution. On XX/XX/2022 I printed a Payoff Quote from my Exeter Account Portal. The Payoff quote was {$0.00}. According to a statement on the Payoff Quote, Exeter will take 45 days after the account is paid in full to release the lien on my vehicle " ( or earlier as required by state law ). '' It is my understanding that Wisconsin Statute 342.22 allows a debtor to receive the lien release within 10 days if requested of the lien holder in writing. On XX/XX/2022 I submitted a written request to Exeter to release my lien within 10 days. I submitted the request on the Exeter secure message portal. I received a reply stating that I had to call Exeter. On XX/XX/2022, I mailed a written request to Exeter to release the lien within 10 days. As of today, XX/XX/2022 the document is in transit to the address listed above. On XX/XX/2022, I called Exeter Customer Service about the request I'd submitted on the secure message system. I was told that they would not accept the request I submitted on the secure message system because, " anyone could have submitted that request. '' After a lengthy conversation with the " management team '' I was told that they will consider the request when the mailed document is received. Although I quoted Statute 342.22 to them, they insisted that after my written request is received they will take 14 days to process the request, and another 10 days to release the lien. That is a total of 24 days, not the 10 days as I understand in the statute. All the funds have been deducted from the financial institution I used to complete the payoff. They have my money but refuse to acknowledge the Wisconsin Statute requirement.
03/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 44011	Web
XX/XX/XXXX, I Reached out to the Main CRAs requesting a updated copy of my credit report, upon reviewing I noticed that a auto loan ( EXETER FINANCE ) was erroneous reporting inaccurate information on my profile putting me as a consumer at great risk and jeopardizing the integrity of my credit, so I decided to challenge the inaccuracy Exeter Finance put on my credit profile, as a consumer which I have the right to take any action I feel is necessary to make sure everything on my credit is as it appears 100 % accurate, well while doing so I stumbled across some information that was reported in accurate so I reached out to the 3 credit bureaus asking can this issue get a further investigation unfortunately only response I received from the credit bureaus was that the information was verified accurate which in fact is false I know this for a fact because I have via certified letters from the direct furnisher to support my allegations, so I found what the credit report reported was not only invalided but by law I believe they have violated the FCRA laws with what they have allowed to be reported as accurate unfortunately. Not only did they say back in XX/XX/XXXX they had the vehicle in there possession which was being auctioned off at one of there facilities but also the opening bid will open at {$7200.00} how is that so when XXXX XXXX when I reached out regarding this account they say the balance is still {$28000.00} thats contradicting not only for EXETER FINANCE BUT ALSO FOR XXXX, XXXX, XXXX with what they have allowed to be reported in the first place while being non compliant, I have invested time, energy and money into getting justice for this battle between us I believe also that this account is out of the statue of limitations, Im asking that you remove this account off of my credit report Expeditiously once removed please send me confirmation via letter of removal Thanks.
10/28/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	MA 013XX	Web
On XXXX XXXX, XXXX an application was submitted to purchase a vehicle and according to Reference No XXXX, the loan was denied but somehow, the dealership was " able '' to get the loan approved however, I had to tell the bank that I already had the vehicle when they called when in fact, I did n't pick it up until the day after they called. Also, upon receiving the paperwork, I discovered that {$3200.00} was added to the original price of the vehicle but no explanation was given as to the amount, since the selling dealership never went over the paperwork ( but they 'claim ' they did ). The selling dealership claims that it is a " fee charged by the bank for a high risk credit loan ''. I did n't find out the payment until I spoke with someone from the finance company. When I make a payment, it does n't show up in my account until the entire payment is received and there is absolutely no indication as to what the payments are being applied to as it just shows the payment received. I have made the XXXX & XXXX payments and nothing has gone toward the loan, so where is the payment actually going? There was no option for XXXX Insurance given at the time of purchase. Under the key factors that adversely affected my credit score : XXXX - ( 1 ) is from XXXX and ( 2 ) has been disputed with the collection agency but they have not removed it from the record, as nothing is owed. XXXX - the only revolving account I have is my credit card, which I am trying to pay down XXXX - the only loans that I have are my student loans, to which I graduated in XXXX XXXX and those are in income based repayment, with the current year 's payment being {$0.00} XXXX - There are n't that many accounts that are open on my account. Those listed from XXXX are being paid on a monthly basis, even though the payments are not being reported, just the balance being reduced. My credit card is paid on a monthly basis.
01/11/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 78251	Web
I purchased a vehicle with XXXX XXXX XXXX XXXX around XX/XX/2020. The financial dept added gap and extended warranty to the loan. The purchase price of the vehicle was {$10.00}, XXXX. After extended warranty and gap was added to the loan the full amount came out to {$13000.00}. About a month later I received a letter, from XXXX the gap and extended warranty company, stating my policy was canceled and a refund check of {$490.00} was refunded. I called ally and they said someone at XXXX XXXX had XXXX requested that it be canceled. I asked where that refund check was sent because the loan company nor I ever received that refund. I told him Im technically still paying for the gap and extended warranty as it is included in my loan. They said it was sent to someone named XXXX at XXXX and according to XXXX notes XXXX had said she gave me that money!!!! Which is NOT true!!! I called echopark several times. I had to leave messages on voice mailboxs and when I finally spoke to a manger he promised to look into it and he would call back the same day. 2 weeks later he still had not called back. I received a text from someone at XXXX in XXXX saying they will try to put the extended warranty and gap back on. I have not heard back from anyone and when I do contact someone they say the person I need to speak to is out of the office!! This is NOT ethical and it is against the law to cancel car owners gap and extended warranty and keep that refund when people are paying on it still in their car loan!! Please look into this. Also, they requested that I put {$2500.00} down to purchase the vehicle. That money is no where to be found. It was never included or deducted from my loan. Its just missing?!!! Please help me. Im a single mom who was purchasing a vehicle for my Daughter who went off to college. They probably saw me as an easy target. Im sure they have done this to other consumers as well.
06/26/2017	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	SC 297XX	Web
I have been a customer of Exeter Finance since XX/XX/XXXX. I have never missed a payment and all my payments have been on time. XX/XX/XXXX I total loss my car. Every since then Exeter has been a nightmare. I had full coverage along with GAP coverage on my vehicle. The Insurance company and GAP completed everything that was needed on their end by the end of XXXX. Exeter received a payoff from XXXX XXXX, a payment from me ( because they said if I did n't make my XX/XX/XXXXpayment it would get reported to my credit as 30 days late, even after they received the check from XXXX XXXX ). They received a payment for GAP for the remaining amount on my loan as well as another check for {$690.00} from XXXX XXXX. It took Exeter 3 weeks to process those checks. I could not get approved for another car loan until it showed my acct had been paid in full. I had been without a car since XX/XX/XXXX. I just got another car on XX/XX/XXXX. Everytime I called Exeter I spoke with a different person and was told so many different stories. Even the company I purchased my car from got frustrated and upset with Exeter and called their practices unethical. I have an over payment of {$1100.00} that was supposed to get sent to me the beginning of XXXX and as of today they have still not processed my overage payment. Each time I called in for an update, someone ( including management ) told me a different story. I called the office of the president and spoke with someone about my account and they all act like they do not care. They are the WORSE FINANCE company ever and I am looking to file a suit against them for their unethical practices. they way that they treat their GOOD customers are a disgrace and they need to be held accountable. I have experience so much stress in dealing with them these past 3 months and I still have not received by refund check. STAY AWAY FROM EXETER FINANCE if you can ...
07/08/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	AR 721XX	Web
XX/XX/2019 I made a consumer credit transaction with auto dealership XXXX XXXX I received a finance charge of {$74000.00} and amount finance {$9600.00} I was Financed through company by the name Exeter finance. According to the Truth in Lending pursuant to 15 USC 1605 determination of the finance charged Except as otherwise provided in this section the amount of the finance charge in connection with any consumer credit transaction SHALL be determined the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. XXXX XXXXExeter Finance made me pay {$1000.00} for a downpayment. The Finance Charge is the sum of all charges their wasn't supposed to be a cash downpayment. The finance charge also includes my insurance pursuant to 15 USC 1605 The finance charge is the sum of all charges and also includes premium ( insurance ) XXXX XXXXExeter Finance made me get my own insurance. Pursuant 15 USC 1635 The Right of Recession disclosure was not disclosed nor in the agreement. Pursuant 15 USC 1601 Congressional and declaration of purpose. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. XXXX XXXX /Exeter Finance are in violation of the Truth and Lending Act by willfully and knowingly not disclosing this information and i hold them liable for not disclosing this information to pursuant to 15 USC 1611 and pursuant to 15 USC ! 640 I have exhibits showing their noncompliance in the agreement.
09/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60647	Web
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Exeter Finance Corp violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), 18 usc 8, 15 usc 1611 ( 1 ), 15 usc 1611 ( 3 ), 15 usc 1640 ( i ), 15 usc 1605 ( a ), and 15 usc 1692e
02/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30083	Web
In XX/XX/XXXX I spoke with a representative and got my car payments deferred due to COVID 19. The agent stated they were able to defer my XXXX and XXXX car payments, and that my car note wouldn't be due until XX/XX/XXXX. In XXXX the car was sold to a dealership who paid the car off, Exeter confirmed on XX/XX/XXXX they received the full payment on XX/XX/XXXX to pay the car in full. In XX/XX/XXXX Exeter reported a 30 day late payment to the credit agencies. I called and spoke to a representative on XX/XX/XXXX asking them why this was placed on my credit as there was never a late payment on the vehicle. The representative informed me that she seen where I called in in XXXX for the deferred payments however that agent never completed the setup. I asked well why wasn't I informed or why want any communication sent to me regarding this matter, the agent stated it was all set up. I also told the agent if what you are saying is true then the payment for XXXX and XXXX were late as the car not is due the XXXX of each month and they are reporting my XXXX payment was the only late payment. She informed me that she shows its inaccurate and they are going to get this updated immediately. I have spoken to countless representatives and was hung up on by a manager. I have been professional in this entire process and have tried working with Exeter to get this matter resolved. I had the vehicle for 3 years and I have never paid the car note late. I attempted again XX/XX/XXXX to resolve this matter and have explained to the finance company that I need to get this matter resolved as I am in the process of purchasing my 1st home and this hurting my credit and is untrue. I have not had an issue with Exeter and would like to do business with them one day in the feature, but the information they are reporting is FALSE and I have exhausted all my avenues to get this matter resolved.
01/20/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	LA 71303	Web
I purchased a vehicle with XXXX XXXX of XXXX, Louisiana under the impression that it had no mechanical problems. I had the car running for one month straight before problems start occurring with the transmission. I spend hundreds of dollars getting the car towed from one shop to another until the XXXX XXXX had a spot available. It was told to me from the make of the vehicle dealership that the transmission had previous transmission problems since the last owner and that was their reasoning for trading it in. I was presented this vehicle from the salesman under the impression that the vehicle was cleared with service. Before I drove off the lot with the vehicle I kept it in their possession for clearance with service an extra day and I was still lied to about the mechanical problems. I called and spoke with walker XXXX 's used car manager and he stated that he would give me a call back to see if there was a possible solution and I haven't heard anything back. I also contacted the finance company and they also knew that the car had computer system problems before they sold it to me. My contract has already been breached by default due to the salesman mixing a cash transaction with a credit consumer transaction. I traded in my old very reliable XXXX XXXXXXXX XXXXXXXX XXXXXXXX XXXX XXXX with a XXXX cash deposit totaling XXXX for my down payment. I would like every cent of my down payment back immediately as well as a resolution for cancelling the null and voided contract ASAP! A finance charge has nothing to do with a cash transaction per 16 USC 1635 as well as any interest payment and insurance as it is already included in the finance charge. I was not aware, told nor given time to fully read my contract. I was pressured to sign quickly although the sales manager also spelled my name incorrectly on documents that I still have a copy of and can provide.
05/16/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NC XXXXX	Web
My name is XXXX XXXX. I had an auto loan with Exeter Finance LLC. The reason for my email is to report the financial bad business concerns I have with my auto loan. I have spoken with Exeter Finance on several occasions about my loan ; the interest payment, why my extra payments or overage payments werent going towards my principal, and why my monthly statements require more money than my contractual obligations. This is a list of the concerns I would like the Federal Trade Commission to review. Exeter Finance billed more than my contractual obligations, my contractual payments were {$210.00} monthly. I was told it might be fees. Exeter would not apply extra payments toward my principal, even though I would call and request that the excess amount be applied to the principal. Example XX/XX/2019 {$100.00} principal payment was removed on XX/XX/2019 and then applied to interest only on XX/XX/2019. On XX/XX/2019, a payment from XX/XX/2019 was removed from my account and was never applied anywhere on my account. I confirmed with my bank that {$240.00} on XX/XX/2019 was paid to Exeter Finance. ( I never missed a late payment or was late on a payment ) I paid {$150.00} in interest on XX/XX/2019, when I questioned Exeter about it, I was told it was because of the number of days between my XXXX and XXXX payment. The interest payment did not decline as the balance declined. I paid my loan off one year and one month early because I was tired of going back and forward with Exeter, but I paid the same interest as if I had taken the loan to full term. I also believe I overpaid on the principal balance. These are just the financial issues I could identify. As Exeter representative explained to me once, " you would not understand the complexity of finances '' I ask that CFPB to evaluate all documents. I do have documents to support all claims.
06/01/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CA 92392	Web
Purchased a car from XXXX XXXX XXXX in XXXX put {$6000.00} down and in less than four months transmission went out they told me the car was still under manufacture warranty when I bought it because I kept asking for an extended warranty but instead they sold me GAP and told me the manufacture warranty was still good. XXXX would not repair the car they said warranty expired 2 months prior to the repair which was {$4500.00}. I filed a complaint against both companies with XXXX. Went months trying to get a resolution. I was paying my car payment plus XXXX of dollars in rentals. Could n't afford both renting and car payment so I let the finance company know what was going on. So they went and repo the car because I told them I could n't afford the repairs and the dealership was going to place a lean on the car because it had been there for two months. So Exeter Finance picked the car up. Several months later I receive a memo from XXXX saying I can have the car repaired but by now the car is gone Exeter sold it and I 'm stuck. Lost {$6000.00} plus spending nearly $ XXXX a month on rental cars. I am currently spending {$250.00} a week on a rental car because now I ca n't even get a car loan with a repo. I just think this whole situation was not fair and I was cheated as a consumer by all XXXX companies XXXX, XXXX and Exeter Finance who did n't even give me the opportunity to try and get the car back they picked it up and sold it immediately without any communication with me. I paid all my payments on time and communicated with them through everything that was going on. I have XXXX children and this situation has caused me to have a great financial hardship and nobody had consumer centered customer service in this situation. XXXX tried to give me a repair order but it was too late now what do I do I ca n't afford to keep paying for this rental.
10/12/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	SC 29506	Web
I went to purchase a vehicle XXXX XXXX XXXX XXXX on XX/XX/XXXX. I made a few payments before I found out about the Uniform Commercial Code, Fair Debt Collection Practice Act, Fair Credit Reporting Act, Trust Law and Contract Law. Which explains the XXXX XX/XX/XXXX XXXX I asked Exeter Finance who claim to have loaned me some money for the vehicle a few things I've learned. This what I asked : Expressing The Trust Agreement To Settle The Debt. Everything is a XXXX because there is no money, there is no value available to be given as consideration. So a XXXX fills the void. Trusts were put in place in XXXX XX/XX/XXXXwith the taking of the gold. Exeter Finance colorable contract is wrapping and hiding a XXXX at its core and the gifting of the 'res judicata ' or the principal of the XXXX forms the corpus of the XXXX. A Trust which I Am the XXXX and Beneficiary of and Exeter Finance are the Trustees and assumes Fiduciary responsibility for managing those assets and carrying out the purposes of the Trust. My signature and Social Security number was the representation of the XXXX and all my past, present, and future labor, i.e. my assets. It's impossible for Exeter Finance to have ever loaned me any money. My signature and my Social Security number is the res judicata, i.e. the value and the principal. I Am XXXX XXXX here as Beneficiary of this XXXX Agreement. I Am asking ; Will Exeter Finance as Fiduciaries of this Trust Agreement, do what is necessary and best for the Trust by settling the debt to this Account XXXX? PLEASE ONLY CONTACT ME IF ITS CONCERNING DOING WHATS NEEDED TO SETTLE THE DEBT. Exeter never responded back by mail nor called to handle the matter. Instead they attempted repossessing the vehicle. It failed so they reported to my consumer report as Charged Off. I reached out to get my Title and I still haven't heard any thing.
12/21/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	OH 44903	Web
I have received XXXX phone calls from Exeter Finance Corp on my cell phone. I am not the loan consumer, and I did not provide them with my cell phone number, nor did I give them permission to contact me at all, or on my cell phone regarding this account. This is apparently an account for my brother 's loan. When they contacted me the first time, a couple of months ago, I expressly told them that I have nothing to do with his account, and I demanded that they remove my phone number from their system, and make no further contact with me. I specifically requested a supervisor to whom to provide this instruction, and was transferred to a person whom I was told was a supervisor. This person assured me that my number would be removed from their system. During this phone call, enough information was provided by the representative that I was able to determine that they were attempting to contact my brother regarding a past due payment. This information should not have been provided to me at all, because I am in no way involved with the account. On XXXX XXXX, 2015 at XXXX, I again received a call from XXXX, and the caller left a voicemail requesting that I return their call regarding an account. When I called back, my call was answered by XXXX. XXXX transferred my call to a supervisor at my request. My call was transferred to a XXXX, who advised me that he was a supervisor. I explained to him that they were calling me again without my permission, and after I expressly told them not to contact me in the future. I advised XXXX that I would be filing a complaint against them for improperly contacting me on my cell phone, and also, if possible for an FDCPA violation, because I am not a part of the account in question, yet they provided information I was not entitled to have during the phone calls. My cell phone number that they have called is XXXX
11/08/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	MS 392XX	Web	Servicemember
I have been trying to negotiate a settlement with Exeter Finance Corp. since XX/XX/XXXX. Exeter Finance Corp is now trying to repossess the vehicle XXXX XXXX XXXX with XXXX miles. I original purchased this vehicle in XX/XX/XXXX. I have slow payments throughout the life of this loan but in XX/XX/XXXX to present has triggered a series of events financial issues. My mother was diagnosed with XXXX XXXX, then XXXX XXXX in XXXX. My son was repeatedly XXXX and his son was birth and care of in XXXX. My daughter suffered XXXX XXXX issues in XXXX. My father was on XXXX XXXX in XXXX. My mother was diagnosed again with XXXX XXXX and my father passed away in XXXX. I should not have to detail my personal issues of my family and life not to mention I had several periods after purchasing the vehicle of underemployment and unemployment. Despite all of these factors I have been a loyal customer communicating with Exeter Finance Corp and paying on my loan. Based on the telephone conversation with Exeter Finance Corp, I have compared their company records against my records. Their staff personnel advised the original contract total amount would have paid Exeter Finance Corp {$41000.00}. According to my original documents and the total value of the car was {$24000.00} and the total financed amount was {$14000.00} which equals {$39000.00}. Their staff advised I have made 73 months of payments on this 72 month contract and total payments made are {$40000.00}. Please note that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws.
10/27/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 92618	Web	Servicemember
I am currently paying over 18 % APR with my car that was purchased from XXXX .The auto loan that they chose for me is Exeter Finance .I have been making payments on time and due to my high APR, I have been trying to pay it off as quick as possible .The first few payment I made over phone calls, I paid sometimes {$1000.00} .sometimes {$2000.00} .My monthly auto payment is {$390.00} something .I told the representative to pay my monthly payment and then put the rest of money towards my principal reduction .The first few times it was done right .And not until recently that I made my payment again and told them to again put the rest of money towards principal, they failed to do that .And I checked my online account, they did not do what I told them to do .The {$1600.00} that I called over the phone to make two payment was supposed to all go to principal, But they did not do it at all .I at least called 5 times to talk to them about fixing this issue and they all told me they will fix it and they would have their manager do it and I would be able to see that on my account reflecting the correction within 24 to 48 hours.But nothing ever happenedThey still did not fix it and I was so upset that I called again asking to talk to the manager .Again, no surprise the manager promised me she would fix it and asked me to come check back in next 2 days .I gave it 6 days and today I checked back my account again, they still did nothing .I was so upset and do not want to trust them ever again because of the worst experience I ever have with customer service I am paying still up to today the interest rate that I was not supposed to pay .They are robbing their customer so that this way they can get more money that they actuallly should not have been making!!! EXTREMELY UPSET WITH THIS COMPANY!!!! WROST FINANCE SERVICE THAT ONE CUSTOMER CAN GET!!!!!!
01/26/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	TX 76548	Web	Older American, Servicemember
To Whom May it Concern ; In the following date, XX/XX/XXXX, the following vehicle ; XXXX XXXX, BIN Number, ( XXXX ) XXXX, XXXX color was purchased at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. This vehicle already has a 5 warranty or 60 miles which occur first by the manufacture company. The owner already has copies of the warranty paper work. The problem or complain is that the dealership which sold the vehicle to Mr. XXXX XXXX with a added warranty that was not necessary to the vehicle. Mr. XXXX XXXX noticed that this insurance is not need it for this car knowing that the vehicle already has a manufacture warranty. Customer, Mr. XXXX XXXX reported that this unnecessary insurance of {$3000.00} that need it to be removed. The dealership XXXX XXXX has not yet removed and credit this funds back to Mr. XXXX XXXX account. Can you please make contact with the dealership to REMOVE and credit unnecessary added warranty of {$3000.00} back to Mr. XXXX XXXX account. Also, a charge of {$500.00} GAP was also added, this GAP of {$500.00} need to be credited back to Mr. XXXX XXXX account. The following names were involved with the sale of the vehicle on XX/XX/XXXX, Mr. XXXX XXXX, and XXXX, XXXX. The dealership finance manager is Mrs. XXXX XXXX. During the conversation, we spoke that the funds of {$3000.00} plus GAP of {$500.00} was suppose to be return or credit back to Mr. XXXX XXXX on a formal cashier check, and remove the extended warranty from this account. This situation never was exercised by the XXXX XXXX XXXX. Do please conduct an investigation as the earliest convenient as possible due to I got really tired of battle with it. A payment of {$4400.00} has to be XX/XX/XXXX to Exeter Finance Corp . The XXXX XXXX XXXX phone number is XXXX. XXXX XXXX XXXX phone number is XXXX. Respectfully ; XXXX, XXXX XXXX : ( XXXX ) XXXX / XXXX Texas
05/31/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IN 47025	Web
I bought my car for {$15000.00} from XXXX with a loan from Exeter Finance, XXXX of XXXX. I made payments on time until XXXX of XXXX, when my car was stolen. I was not aware that I was to be responsible for payments until my insurance paid out. I spoke with Exeter Finance multiple times over the course of 4 months and not one time was I advised to make a payment nor was I advised my account was nearing " charge-off '' status. I never received any sort of communication from Exeter until after my account had been " charged off '' which was after my insurance had made their pay out and i had an insurance deficiency balance of {$630.00}. I never had any intention of dodging payments made to them, I simply did not know how much money I owed them nor did they communicate the fact that I needed to make a payment when I talked to them. There was one point, I called to get information on the remaining balance after insurance would pay out. I was told there would be a $ XXXX balance, which GAP and refunded warranties still hadn't paid out ; however, I was not told that my account was being charged off nor was I told I needed to make a payment. On XX/XX/XXXX, 2 weeks after receiving the notice of deficiency balance, I made a payment of {$150.00}. This was when I discovered the account had been charged off, so I called to ask about it. The call center associate, XXXX, was rude and spoke to me like I was stupid, she acted like she didn't care about my situation and refused to transfer me to a manager. I hung up and called back, this time I was connected to a manager. As I explained the situation, I also explained that it is not good business practice to not communicate with your customers when they are going through such a confusing process such as a claims process. He didn't show any compassion or care whatsoever about what I was saying.
07/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 631XX	Web
XX/XX/2023 Subject : Request to Remove Paid Closed Account Payment History Dear Exeter Finance Customer Service, I hope this letter finds you well. I am writing to request the removal of payment history associated with my closed account. Although I have paid off all outstanding balances and closed the account, the payment history continues to be reflected in my credit report and financial records. I understand that maintaining accurate records is essential for financial institutions like Exeter Finance. However, as the account has been fully paid and closed, I believe it is appropriate to update the records and remove the payment history associated with it. Removing the paid account 's payment history will enable me to manage my financial profile more effectively and accurately reflect my current creditworthiness. I kindly request your assistance in initiating the necessary steps to remove the payment history associated with my closed account from all relevant credit bureaus and internal records. I understand that this process may involve contacting the credit bureaus directly to request the removal of the payment history entry. If any additional information or documentation is required to complete this request, please let me know, and I will promptly provide it. I would appreciate a written confirmation once the payment history has been successfully removed from my closed account and any necessary actions have been taken with the credit bureaus. Thank you for your attention to this matter. I value my relationship with Exeter Finance and trust that my request will be handled with professionalism and efficiency. If you have any questions or require further clarification, please carryout this matter within 3 business days. I look forward to a favorable resolution to my request. Thank you for your prompt attention.
05/15/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	CA 91730	Web
My car was totaled on XX/XX/XXXX. Our insurance company, XXXX paid about {$20000.00} to the finance company, Exeter Finance on XX/XX/XXXX. The check cleared on XX/XX/XXXX. My boyfriend ( who I share the loan with ) and I have been in close contact with Exeter pertaining to the payment status from XXXX and what was happening on a weekly basis. We spoke to customer service agents in the total loss and GAP depts. constantly while dealing with the insurance claim. No one ever said that a payment was due, or about to be late. No one let us know once that the {$20000.00} given to them by the ins. company wouldnt be counted as a payment since it was directly from US. So they proceeded to report a late payment for the month of XXXX and in doing so dropped mine and my bf credit 81 pts. This has devastated us both. I spoke to the GAP dept on several occasions on XX/XX/XXXX, the day I got the alert about the credit change and all they could tell me was that I signed the contract where that piece of information is buried in a lot of paperwork that Im never going to get to read and that this kind of mess happens daily for her. She hears this issue all the time according to her, and still Exeter finance company refuses to inform the customer that their credit could be effected if payments dont continue. Especially when they know this is something constantly overlooked by their costumers. It seems Exeter is simply trying to make their money. But speaking as a person who has been working to get their credit up, and TRUSTED Exeter finance to help me do that, I feel betrayed. I have read about law suits theyve lost due to doing bad business. I fully intend to take this up to corporate levels to get a resolution, as well as dispute the missed payment. But I felt I needed to ask if I have any kind of case to go to a lawyer about this issue?
01/12/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AL 36301	Web
I would like to file a complaint in regards to GAP insurance that was purchased through XXXX XXXX, XXXX, Alabama XXXX ( XXXX ) XXXX for a XX/XX/XXXX XXXX. The car was in a collision on XX/XX/XXXX. The XXXX XXXX has since totaled the car and paid XXXX XXXX XXXX. The XXXX XXXX is XXXX. The GAP Insurance Information a fax was sent to XXXX at the Attention of a XXXX XXXX XXXX. Confirming the purchase of this GAP insurance XX/XX/XXXX I thought this issue had been resolved until XX/XX/XXXX. I had not received a notice verbal or written from this company until a XXXX XXXX XXXX of Sum Collections ( XXXX XXXX XXXX called to collect XXXX from me. This is ridiculous when I have acquired the XXXX XXXX as well as sent XXXX XXXX XXXX ext. XXXX the information before the ( XXXX ) day deadline mentioned on the letter that I have. When if I obtained the insurance why do you give only ( XXXX ) days when other individuals are responsible for the accident in the first place. I do not have any control over any insurance company or its employees. It seems as if XXXX and XXXX and XXXX XXXX prey on individuals who they deem unable to fight them back. Apparently this is not an aberration. XX/XX/XXXX, there was a complaint filed Complaint XXXX where another person had GAP coverage and again they refuse to honor their commitment, lie, cheat, and steal their way out honoring the contract. I am frustrated in that knowing there are such scavengers willing to prey on the people who are in need decent transportation with less than perfect credit. Take people 's hard earned money, sell them a vehicle, sell an insurance that you know you are not going to honor, and extort monies from them and if they do n't pay you sick the hounds on them. Perhaps a thorough investigation is needed as to XXXX fraudulent and deceptive practice to unsuspecting consumers.
11/18/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 31313	Web
As evident in the attached agreement, in which I was under much duress at the time of signing on ( XX/XX/XXXX ), the alleged creditor, Exeter Finance, denied me of my right to rescind as pursuant to XXXX XXXX XXXX, considering that this was a consumer credit transaction. This is shown under the section titled No cooling off period. I as the consumer am also being charged outside of the finances charge which is presumed to be the SUM OF ALL CHARGES. To charge me anything other than the finance charge ( e.i. Interest ) is a violation of XXXX XXXX XXXX. The finance charge is also to include an insurance premium which I was not given full disclosures of or offer. If having comprehensive and collection is a requirement for Exeter Finance, then it makes sense as to why it is supposed to be included in the finance charge. The agreement is very false and misleading ( XXXX XXXX XXXX ) as the alleged amount of the final sale is in a positive balance. If I am in debt to another, I would better make this assumption if a negative balance were shown. It is also false and misleading as Exeter Finance is not listed on the agreement as the seller or buyer. XXXX XXXX XXXX XXXX is listed as the seller/creditor on the agreement. If I didnt know any better I would assume I am in an agreement with XXXX XXXX XXXX XXXX and not Exeter Finance just by looking at the signed agreement. I spoke with a representative of Exeter Finance for almost 2 hours trying to resolve the matter on XX/XX/XXXX. The representative agreed with my arguments but the only resolution offered was to surrender the automobile. I also have a copy of a XXXX Certified Search Report from the Georgias Secretary of State. This XXXX is proof that I am not legally obligated to this debt. In order for an alleged debt to be valid it must be recorded with the XXXX of State.
10/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 783XX	Web	Servicemember
Approx XX/XX/XXXX, I received emails with denials for an application of credit for a vehicle or refinancing a vehicle. One after another they kept coming. I had not applied for credit, so this throw a red flag. Then I start receiving letters for the denial seeing my credit score falls below XXXX based on these inquiries and denials. So, I called Exeter first, they told me they had an credit application for financing or refinancing, whoever they informed me that they received my information from XXXX XXXX XXXX, not knowing why when I have never given them either permission to nor have I applied for anything dealing with a vehicle or refinancing. Both companies pushed the blame on each other and then finally said they received the information from XXXXXXXX XXXX, which I never gave them either permission or authorization to run or share my credit information and adverse effect my credit score. XXXX XXXX was not willing to provide me any information on how they received my approval to run my credit and why it was shared with Exeter, XXXX XXXX XXXX XXXX XXXX without my knowledge. I spoke with a Rep at XXXX XXXX who was passing on my request or email with the application of this alleged credit application, she said her supervisor 's name was XXXX was going to be the one to provide a email with that requested proof of an application as of XX/XX/XXXX XXXX I still have not received anything from XXXX XXXX Exeter XXXX XXXX XXXX XXXX XXXX XXXX XXXX giving them approval to access my credit file. They all seem to point to finger at XXXX XXXX who I never gave permission to access my personal information and if so please provide that proof, this is a pure sign of fraud and I would like ALL credit inquiries from each of the companies that illegally obtain my credit information to be REMOVED from ALL three credit reporting agencies.
06/11/2021	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	GA 303XX	Web
I have sent several letters requesting validation and verification of this debt and the original documents and methods used to verify this debt. My requests have repeatedly been ignored. I feel strongly that this company simply can not provide the original signed in wet ink documentation to legally verify this debt per the FCRA and thus they refuse to respond or delete the entry from my credit report. Judging by the numerous complaints on the XXXX website ( I also have a complaint there as well ) as well as them having their accreditation stripped from them, I would be confident in assuming that they don't act in good faith when it comes to amicably solving simple issues like this one. Exeter Finance calls repeatedly from different numbers after Ive requested a legal signed documentation for said debt. Pursuant to 15 U.S.C. 1681a ( 2 ) ( B ) " any authorization or approval of specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report. Under 15 U.S.C. 1681 is the same as it is under 15 U.S.C. 1602 ( I ) which is the term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice congress said ANY card. The credit card is my social security card. This is an alleged debt that has not been proven and is still reporting on my credit report. I plan on seeking monetary relief of over { {$10000.00} } for FDCPA violations and monetary relief for violations of the Fair Credit Reporting Act section 616 and 617 for non compliance and negligence and under Federal Trade Commission, Section 813, Civil Liability, under ( 2 ) ( A ). Phone records from my telephone company and letters sent from credit repair agency can be produced if need be.
03/11/2023	Yes	Vehicle loan or lease Lease	Getting a loan or lease Fraudulent loan	GA 30344	Web
In XXXX of XXXX, upon reviewing my consumer report, I saw that a XXXX XXXX XXXX was purchased on XX/XX/XXXX, and was reporting on my reports from Exeter Finance LLC. I called Exeter Finance and spoke with the fraud department. XXXX XXXX, a representative from the fraud department, told me he's processing my information and sent me an email in order to confirm my identity. I responded to the email with my social and driver 's license and the personal information they had on file for the vehicle didn't match with mines. I sent letters to the consumer reporting agencies to dispute and remove the fraudulent information from my credit report but they responded with a verified status. I proceeded to make an identity theft claim. I also put a security freeze on my consumer reports. I reached out again to Exeter Finance on XX/XX/XXXX and spoke with a representative by the name XXXX who refrained to answer most of my questions. She gave the name of the person responsible for the car and it is XXXX XXXX. XXXX, also confirmed to me again that the information they had on file did not match mines and claimed to not being able to make-out the signature due to the ineligibility of the hand-writing. The vehicle was repossessed in XXXX XXXX, South Carolina. XXXX stated there was no record of the initial fraud claim from the first contact with Exeter Finance and refused to actually do a fraud claim due to receiving my letters and deeming the account accurate. Since I do not live in the state the crime took place, I was told I have to make a report in my state of residence first, then to call South Carolina with that report number to state the filing of the report in South Carolina. I have since reach out to my state police department and I am still awaiting a response or an update in regards to my identity theft fraud claim.
08/12/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	GA 30252	Web
The auto loan was assumed in XXXX ( in XXXX ), including tax for {$26000.00}. and for 18 month I have been making payments for {$510.00} a month. I called to get a payoff today and was told it was {$18000.00}. I asked how that was possible and was told due to daily interest of 11.37 % on top of the interest on the loan 22.16 % that I was not putting any money towards the car payment, only the interest. I said what I have done to cause my loan to only have my payments go towards interest and not my payments? No straight reply given to me. I XXXX this company to find out that in XXXX in another state, XXXX, they had to pay back over XXXX XXXX dollars to buyers they hurt during these type of scams. More recently, XXXX, their BBB accredidation was revoked for the same scams. They settled on XXXX XXXX for consumers state in subprime auto loan settlements. There is a link provided to read the court matter, judgement, and settlement on the BBB website. You can also find this by XXXX the company name and the word scam out beside it. The blue book on the car is not even worth what they are saying I owe for the payoff. I can't even trade it in and try to get a lower interest rate elsewhere now. I will be upside down. I am on this loan with my daughter. She lost her job due to covid and being XXXX. She had to quit her place of employment due to her doctors instructions. I am trying to pay my bills plus hers. I was hoping to get a different car for her, only to now find out doing that is not an option, do due shady companies like this making it impossible for people. If you look at it the way they have calculated this loan, I have only paid XXXX over 18 months for this car. That is not fair or correct. This is devistating to not able to climb out of a fnincial hole because of compaines taking advantage of people.
03/15/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60409	Web
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against EXETER FINANCE for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until EXETER FINANCE provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Metropolitan Auto Lending, continues its collection efforts, I will file for litigation for actual damages caused and EXETER FINANCE be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
12/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77494	Web
I sent a certified dispute letter to Exeter on XX/XX/XXXX requesting for an investigation of the errors on this alleged account that is being reported on my credit report. I sent another certified letter on XX/XX/XXXX requesting for an investigation of the errors on this alleged account that is being reported on my credit reports ; which I did not receive a response back from Exeter, XXXX, or XXXX. My latest certified letter was sent on XX/XX/XXXX to identify the continuous inaccuracies being reported on my credit report by Exeter. I also requested for Exeter to send over proof that the alleged repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL I requested copies of legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle to be provided to me within 15 days from the receipt of the certified mail notice that was sent on XX/XX/XXXX. I pulled my XXXX credit report to review, and I noticed that the account has been re-aged and is now reporting a Date of Last Activity as of XX/XX/XXXX with XXXX. I have requested for this erroneous account to be removed from all bureaus on my credit report. There are several inconsistencies and errors that I identified on my credit report. Under the consumer protection afforded by the FCRA Section 605 ( c ) it is against the law to Re-age an account. I also noticed a comment on the Exeter account on my credit report that stated a payment was made after the account was closed. This is a inaccurate statement, and I am demanding for this account to be removed.
05/31/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	SC 29680	Web
I contacted Exeter Finance to make a payment last year from a family members phone. They asked me for consent to auto dial I told them no. They asked for a phone number I told them I did not have a phone number at the time and was using a family members phone. This phone number does not belong to me. The agent proceeded to take the phone number from their caller ID and add it to my account despite me advising the phone does NOT belong to me. Fast forward to this year, they called my family member on XX/XX/2023. On this date, I again told them this phone does not belong to me and requested a cease and desist. The agent entered the request and transferred my call to another department. I asked the agent who answered my call if the notes indicate a cease and desist request on this phone number. She assured me that it does reflect that. I again explained that this particular phone number is not mine and to not call my family members on a phone number that I never gave them regarding my debt again. She assured me that request was submitted. On XX/XX/2023 at XXXX XXXX they called my family member regarding my debt again despite me never providing their phone number nor giving them permission to use it, and then requesting a cease and desist on the phone number. The company has a valid email address to contact me which is the best method of communication and they use it. They have no reason to call someone else regarding my debt. They can discuss that with me directly. My family member did not sign anything regarding this loan. The phone number my family member has was not even in service when I signed the loan, therefore it was never used as a reference. They had absolutely no permission to put that number on file for any reason. This has caused me undue stress as my family has no business in my finances.
09/27/2022	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NC 28213	Web
On XX/XX/XXXX, I reported my XXXX XXXX was stolen. I contacted the XXXX, NC XXXX county police department and the insurance company. I found there was no theft coverage on the policy. I was told that Exeter automatically puts full coverage on the vehicle when collision is dropped. There was no coverage. I received a phone call on XX/XX/XXXX the car was found at a tow wreck yard It was stolen, wrecked and not drivable. The airbags were deployed. I picked it up and paid {$190.00} for storage and tow fees. I picked it up because I knew I could not afford storage fees Thank God I got it because it would still be sitting in the tow yard and billing me. When I saw my car, I cried. I had it towed home and was told by XXXX care they could not cover the repairs due to theft. I never received any mail or documentation of such ; however, XXXX did not cover the repair. I received a personal quote including air bags that deployed. I was told my XXXX and XXXX XXXX the truck was totaled. I called Exeter on XXXX and was told they were going to repossess the vehicle for nonpayment. I was then told they would come get the vehicle as a voluntary repossession. I contacted Exeter on XX/XX/XXXX asking for paperwork or correspondence showing they would repo or voluntarily repo the car or at least send someone to look at it. On XX/XX/XXXX, i reached out and was told there was an open investigation. I advised them i just needed proof that the car was being worked on their end as far as repo or voluntarily repo. The car is still in my driveway as of XX/XX/XXXX. I just ask that the car is taken off my credit due to this vehicle not being able to drive and was stolen and I can not afford to pay for the car. Due to the theft, I lost my job, and I am facing an eviction due to not being able to make money to pay my bills.
01/25/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	OK 74136	Web
Hello. I began financing an auto loan with Exeter Finance in XXXX 2012 and at that time their customer service division was located in the U.S. Several months ago Exeter out-sourced the entire customer service division to a foreign country including customer service, insurance, finance, and all other matters relating to the loan. I have attempted repeatedly to speak with Exeter regarding new regulations received from my property insurer because the current customer service division is incapable of providing appropriate information regarding U.S. law - can not provide information on insurance requirements or answer questions of any kind. In fact the foreign-based customer service division now utilized by Exeter Finance appears unable to perform any function other than accepting payments. In addition, over the past four months I have received in excess of 7-8 calls per day from Exeter Finance regarding payments. I previously requested to change the due date of the loan closer to the XXXX of the month and it is now due on the XXXX however my pay date is between the XXXX-XXXX each month. A term of the loan provides a ten-day grace period and in each call I state the same information - a payment will be made on the account between the XXXX and XXXX of the month and request that information be noted on the account however it is NEVER done and I receive excessive collections calls from Exeter Finance and I 'm forced to repeat the same information in every call. Also Exeter has now DELIBERATELY MADE IT IMPOSSIBLE FOR U.S. CUSTOMERS TO SPEAK TO U.S. BASED EMPLOYEES AND FOREIGN AGENTS ARE NOT ONLY INCAPABLE OF PROVIDING FINANCIAL REGULATIONS AND INSURANCE REGULATION INFO THEY ARE 100 % UNFAMILIAR WITH THAT INFORMATION AND ARE NOT TRAINED TO PROVIDE IT AND COLLECTIONS CALLS ARE HARASSING AND EXCESSIVE.
09/18/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	TN 37128	Web
To whom it may concern, I did a credit application at XXXX dealership and Exeter finance Corp accepted my application & was advertising a down payment is a Violation of Title 15 U.S Code 1662. Violating this code is a Violation of the Truth In Lending Act. 15 U.S. Code 1662. Advertising of downpayments and installments No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. ( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. EXETER FINANCE CORPORATION Is also asking for a down payment which would be a violation of Title 15 U.S. Code 1605 Violating this code is a Violation of the Truth In Lending Act 15 U.S. Code 1605 - Determination of finance charge Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the SUM OF ALL CHARGES, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge DOES NOT include charges of a type payable in a comparable CASH transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges.
08/30/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 342XX	Web	Servicemember
EXETER FINANCE COMPANY Mailing Address Exeter Finance XXXX XXXX XXXX XXXX, TX XXXX Exeter Finance Payment Processing XXXX XXXX XXXX XXXX, TX XXXX Email Address XXXX XXXX XXXX Customer Service Hours Mon. Thu. XXXX XXXX XXXX XXXX ( CST ) Fri. XXXX XXXX XXXX XXXX ( CST ) Sat. XXXX XXXX XXXX XXXX ( CST ) Customer Service Phone ( XXXX ) XXXX COMPARISON OF EXETER FINANCE AND XXXX XXXX STATEMENTS EXETER BANK DATE PAID XX/XX/XXXX extension XX/XX/XXXXOK XX/XX/XXXX OK XX/XX/XXXX extension XX/XX/XXXX OK ( correct ) XX/XX/XXXX OK ( correct ) XX/XX/XXXX OK ONTIME!! XX/XX/XXXX ( credit report states late 30 days late should be OK ) paid {$500.00} XX/XX/XXXX XX/XX/XXXX extension ( credit report states late 30 days should be OK ) XX/XX/XXXX OK ( correct ) XX/XX/XXXX OK ( correct ) ONTIME!! XX/XX/XXXX ( 30 days late paid {$970.00} for XX/XX/XXXX. and XX/XX/XXXX ) XX/XX/XXXX ONTIME!! XX/XX/XXXX( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! XX/XX/XXXX( 30 days late paid {$500.00} )XX/XX/XXXX ONTIME!! XX/XX/XXXX( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! XX/XX/XXXXEXTENSION GIVEN!! ( 30 days late per XXXX credit report ) ONTIME!! XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXXPer these figures and facts, there are 13 wrong 30 DAYS LATE per the credit report!! Only 7 of the '30 DAYS LATE are actually correct. 11 are incorrect by stating 30 days late!! Considering these mistakes, how many other mistakes do you think are made?? Per phone call these are the EXTENSIONS GIVEN : XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXXand XX/XX/XXXX
07/29/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	FL 32713	Web
For several months I have been writing to XXXX and Exeter about an account reporting to my credit report with them. I disputed the accounts with the three major bureau 's but the information came back as certified by the furnisher however when I have requested information in regards to these accounts I am not receiving all of the documents requested. In the state of Florida a company who repossess a car should provide a notice to the borrower 10 days prior to the sales date and must notify the borrower of the time and location of where the vehicle will be sold. Today, XX/XX/2021 I called Exeter Finance and spoke to a customer service rep XXXX I advised her that I never received notice of the sale or a breakdown of the deficiency balance. She advised that she could not send me that information due to " time sensitivity '' I advised that as a consumer I feel as though I have the right to access information regarding the accuracy of information reporting to my credit report. I then called XXXX and spoke to XXXX XXXX who advised me that she would be willing to arrange a pay for delete for {$1500.00} if I did not request to validate the debt. I told her I appreciate the offer however I have a right to receive this information. XXXX XXXX then advised that the validating information was sent to my home XX/XX/2021 per a letter received XX/XX/2021 when the last time I sent them mail was XX/XX/2021 and as of today XX/XX/2021 the information has not arrived to my home. I called back and notified XXXX that I had not mailed anything to their offices in late XXXX or early XXXX and her response on the recorded line is due to Covid we are possibly backed up. I am curious to know how the bureau were told this information was certified by Exeter Finance or XXXX XXXX XXXX so quickly with the bureau 's
07/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95758	Web
I filed a complaint against EXETER FINANCE LLC account # XXXX on XX/XX/2023 because I found inaccurate reporting on my credit reporting from EXETER FINANCE LLC and according to the FAIR CREDIT REPORTING ACT I have the right to 100 % accuracy on my credit report. I complained about the inaccurate DATE OPENED, HIGH CREDIT DISCREPANCIES, LAST REPORTED DATE DISCREPANCIES, DATE LAST ACTIVE DISCREPANCIES, DATE OF LAST PAYMENT DISCREPANCIES, & TWO-YEAR PAYMENT HISTORY DISCREPANCIES. The company responded on XX/XX/2023 that the information reported on my credit report was verified and accurate which is completely false because I pulled my credit report after my monthly report updates on XX/XX/2023 and EXETER FINANCE LLC still has inaccurate information and discrepancies reported on my credit report. The law states that if ALL inaccurate information & discrepancies arent updated within 30 days of the complaint then the account MUST be DELETED from consumers credit file. I request that the account is deleted from my credit report immediately! I have attached documents to support my claim such as : - XX/XX/2023 credit report with account, inaccurate information, & discrepancies HIGHLIGHTED - XX/XX/2023 credit report with account, inaccurate information, & discrepancies HIGHLIGHTED - Companys response that verified was accurate and verified which is NOT TRUE. with response HIGHLIGHTED According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy section ( 5 ) ( A ) ( i ) states : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer
01/18/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	WV 254XX	Web
I bought a new XXXX XXXX XXXX XXXX XXXX XXXX. My previous car which was XXXX XXXX XXXX kept breaking down and on this day it broke down again with repairs more than I could afford. I had the tow truck driver take me to XXXX XXXX in XXXXXXXX XXXX I was stuck over an hour away from home. I knew my credit wasnt great but it wasnt really terrible either. After hours of sitting there they said the only loan they could get approved for me was through Exeter Finance. They didnt even tell me the interest rate or payment until I was in their office to sign which was after XXXX. I was there since XXXX and was physically and emotionally exhausted. They charged me 26.6 % interest with a car payment of {$620.00}. That was 3 times the amount I was paying on my previous car. I felt backed into a corner so reluctantly I signed the papers hoping I could refinance at a lower rate in the near future. I was within a few months really having trouble making the payments but I decided to try to refinance. By then the car was already about {$4000.00} underwater. No one would refinance unless I paid down the extra money. I did not have it so I have been stuck trying to get out of this loan for XXXX years. I have now made XXXX payments and the loan has only gone down by about {$3500.00}!!! I have paid {$24000.00} to this finance company for a {$22000.00} car and they said at this time my payoff is still {$19000.00}!! I am now XXXX months behind on payments. I just dont know what to do at this point. This CAN NOT be legal!!! I am literally XXXX XXXX working XXXX jobs trying to make ends meet and I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need some relief but Exeter refuses to alter the initial terms at all to help me!
06/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NM 87124	Web
The account I am reporting is factually listed on my credit report incorrectly. The bureau is reporting file # XXXX, / Acct # XXXX, Original creditor Exeter Finance, as a Auto Loan. This account was a Credit Sale Agreement. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file immediately. In addition, In accordance with the Fair Credit Reporting everything on my credit report has to be 100 % accurate. The Credit bureaus stated my account was properly investigated but how can that be possible when the balance on the count mentioned below is not accurate. This is grounds for immediate removal of this account from my report. Also, for the following reasons, my rights have also been violated : 15 U.S.C 1681 section 602 A, states I have the right to privacy. 15 U.S.C 1681 section 604 a, section 2, states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 c ( a ) ( 5 ) states ; no consumer reporting agency may make any consumer report containing any of the following items of information. I did not give any agency permission to share my personal information with XXXX XXXX XXXX. According to my credit report, the above account was noted as a repo. How can Exeter Finance, report late charges for a vehicle they sold at auction? This is also, grounds for deletion of this account on my credit report. According to my file, Exeter has this account as closed as of XX/XX/2023, I WANT THIS ACCOUNT DELETED TOTALLY FROM MY FILE. If this account is not removed within 7 days, I will hire an attorney and bring suit in the amount of {$15000.00}. This amount is {$3000.00} per each violation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) View full complaint
08/05/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	UNITED STATES MINOR OUTLYING ISLANDS 40218	Web
I purchased a vehicle thru XXXX XXXX and XXXX yrs into the loan thru Exeter finance I find out that there where 2 different contracts with 2 different amounts that I was totally unaware of the one exteter finance has that the dealership sent to them with my signature fraudulent activity using my signature but not from me I made both the dealership and finance company aware of this and they rapidly blamed each other and the dealership also refused to show me any proof of my purchase or contract I was told the car was brand new and that I was sold a extended warranty that I later found out was not true on the contract the finance company had as well as a vehicle I had I plan to trade to the dealership was showing in the contract as a trade when I actually was told by the sales guy they won't be taking my trade I went to the dealership with the finance company on the phone and was treated so bad I cried they kept saying that the finance company had gotten my contracts confused with another company the lady at the finance company was hearyhim say this and told me he was being recorded and to stay calm but later they both have yet to fix issues also the transmission had went out XXXX months after i purchased but kept being told due to XXXX i cant get in for repair then later i discovered this because i had the fun company send me there copy when i notice the amounts where off during attempting to make a payment over the phone with a rep who later sent me a copy of the ond they where sent please help me i am mentally exhausted heart broken I honestly went to the dealership trying to better my financial future and it made my worst nite mare a reality please help i am in the process of tryin to fix my credit and this is not right thank you to whom this may concern
03/09/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with fees charged	TN 37643	Web	Servicemember
On XXXX XXXX I received a notice that my maturity date for my XXXX XXXX XXXX would be maturing on XX/XX/XXXX and my car would be taken due to failure of maintaining contract obligations. When I called to find out why my balance I owed was still {$4600.00} and I had 70 payments paid out of 72 at XXXX a month I asked how I owed that much and it was then I found out that my car when I first leased through them accrued around {$15.00} a day based off amount owed. When I spoke to them XX/XX/XXXX they said that {$2.00} still accrues based off the balance. Instead of owing {$1100.00} for my two final payments they sent a letter threatening action if the {$4400.00} balance was not paid off in full. I found out that it was a simple interest loan so I had interest based off my balance daily ( wasnt aware of this accrual ) and another accrued balance based off my balance monthly ( was aware of the 24 % APR ). I feel like I have been ripped off and that the contract shouldnt be legal because I was not aware of this ploy to pay not only a monthly interest but a daily interest on top of that. My vehicle should be paid off with the normal ( {$590.00} ) a month by XXXX ( 72 payments ) but it is not, I have to pay an additional $ XXXX dollars or so because of the daily accrual from the simple interest loan. Only reason I got this company was because I had such a bad credit score back in XXXX, at this point they are taking advantage of not only myself but many others as well, I cant be the only one. They should not be a company that does business with the public because in my opinion they prey on people based off their financial needs. They want to take my car to turn around and resell it to the next person with bad credit. Please help me and my family.
11/28/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	PA 172XX	Web
This loan originated on XXXX with Exeter Finance Corp . I called numerous times over the course of the loan, checking what the payoff to see that monies were being applied to principal. It seemed no matter how much I paid the principal didn't go down. I did fall behind and have to put a few payments at the end of my loan. I also double paid some months. I requested copies of their records indicating how my payemnts were being applied and never got them. There is no local branch and their business is in Texas, while I am on the east coast. Really nothing I could do. XXXX XXXX I still owed money on the vehicle which I didn't feel I owed and records were never sent to me. I reached a settlement and paid that now company is telling me some outside agency has my title and they have no way of getting ahold of them. Every person I talk to gives me a different expectation. I know this loan was predatory to begin with and when I was trying to settle it and just getting it over and done with, I was told by the person who took my payment that they in reality could up the charge to what market value was on my vehicle since it has less than 100k miles before releasing the title. There has to be some way to stop their bad practice. This loan has been paid off and is well over 2 years past the maturity date and still I have no title to this vehicle. Had I not moved out of state and required the title I never would have known. This prompted me to check my credit report and they apparently charged it off as bad debt. Absolutely criminal in my eyes. I know they are not allowed to loan money in a few state due to their bad practices. It seems they know people will pay to try to salvage their credit and reclaim their legal documents for the property they own.
09/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60643	Web
I recently pulled my credit report and saw multiple unauthorized inquiries on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company XXXX XXXX XXXX XXXX. ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( XXXX XXXX XXXX. ) of any sort. In regards to The company XXXX XXXX XXXX XXXX. ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company XXXX XXXX XXXX XXXX. ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.
11/01/2022	Yes	Debt collection Auto debt	Communication tactics Used obscene, profane, or other abusive language	MI 48197	Web	Servicemember
Please be advised, to my knowledge and recollection, I do not have any type of direct or indirect business relationship from which goods and or services were exchanged with your company. I have never conducted business transactions or signed any contract and or agreements with your company. I have never initiated or agreed to pay any amount associated with such an account created by your company from which any debt is owed and therefore dispute any debt you say I owe your company. On XX/XX/XXXX XXXX XXXX XXXX called my cell phone without my prior consent. The employee failed to state that he was a debt collector, along with the additional disclosure required by law. The employee explained that the account was sold to XXXX by Exeter Finance in regards to a XXXX XXXX XXXX. I told the employee that I didnt have a XXXX XXXX XXXX. I requested the contact information for the finance company and the call ended after I received that information. On XX/XX/XXXX, XXXX called me again, this time at XXXXXXXX XXXX by an employee named XXXX XXXX. XXXX XXXX did not make the proper disclosures as required by law. I explained to XXXX XXXX that he was calling me at an inconvenient time and he replied that it wasnt against the law for him to call me at XXXX in the morning. I became very upset at his tone and XXXX XXXX raised his voice and told me that my account with Exeter Finance was not going away! I tried to explain to him that I didnt have an account with Exeter Finance XXXX XXXX XXXX then stated that XXXX called me the previous week about this debt. I informed XXXX XXXX that XXXX didnt have permission to call me last week and they didnt have permission to call me that morning and the call ended. My heart was racing and I was very upset.
10/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32244	Web
My vehicle was totaled on XX/XX/2018 I did all footwork to ensure I would not incur any negative marks on my credit. On XX/XX/XXXX I was informed by Exeter finance that they had sent the corrected letter of guarantee to XXXX XXXX to authorize the payment. Today I called them to find the status of the loan payoff and was told that they had not yet been paid by XXXX XXXX. I was instructed to get with state farm to find out why the payment was delayed. I learned that the finance company sent the corrected document to state farm on XX/XX/18. The finance company lied to me. They pretended not to know why the payment was held up when it was due to an error they made, as such the balance increased on the loan when they reported it and caused my score to drop 65 points. I have been working for almost 2 years to build a decent score and was hoping to purchase a home this XXXX. This company purposely held the to collect additional interest and fee on the loan. I was told that the letter of guarantee was corrected and sent on the XXXX. I believe it was sent in correct format to the GAP insurance company only- as they paid the claim for {$7000.00} on XX/XX/2018 but this was not deducted from the balance when Exeter finance reported my account. I was to receive a refund for the warranty that was purchased on the vehicle but the finance company is trying to keep those funds as well since the finance company purposely prolonged the process to get additional interest from me. I honestly have been wronged. I paid this account up until I was hit by state farms driver and made every effort to make sure all documents were sent received and accurate. I believe this company maliciously did this in order to cause me to pay money out of pocket.
06/10/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	FL 329XX	Web
Bought my car 2020 XXXX XXXX from XXXX XXXX in XXXX, FL Exeter Finance was the bank that came back with a finance loan. I was given a 30 day temp tag til the end of XXXX, no plates. Then I got a different one til the end of XXXX. No plates again. So here we are again to plates They give me a 3rd handwritten tag .... Got pulled over by the Police and was told my tag was illegal and not registered at all!! Went to DMV to confirm this information. Went up to the dealership which is 45 minutes away from me here in XXXX XXXX with my family in the car. To finally get to the bottom of the issue. ! st I was told they were backed up with processing plates. Then that they lost the title. Then the title was taking a long time from out of state. Then that it got lost in transit from another state. Then that it was a car bought at a XXXX auction ... which are not finance-ready vehicles.. to not sure how they figured that was supposed to fly. And I'm sure they knew that already. I called XXXX XXXX and Exeter Finance to try and get my car registered on so many occasions It is now XXXX ... my car is parked outside in the parking lot. Undriveable I have missed so much work because of the back and forth. I've had to pass on 2 more job opportunities because I can't get there on a 2-3 hour bus ride that wouldn't get me there on time anyways. Exeter Finance said they are WAITING for XXXX XXXX in XXXX, FL to produce the title! And that I have no choice but to park my car somewhere and wait!! It's been 4 months already and no one is stepping up to get this resolved. I met another woman who also bought a XXXX from them with the exact same issue! I'm a single Mother out of work ... no way to pay my rent, pay bills or buy food!
02/26/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	DE 199XX	Web
In XXXX of XXXX I filed bankruptcy, I was told I had to include it in my XXXX XXXX Fast forward XX/XX/XXXX I attempted to make a payment and the representative stated that the car was up for repossession and I had to pay {$1000.00}, Im confused because I only missed XXXX payment on the XXXX and XXXX payment would be do the XXXX. I made a payment of XXXX XXXX XXXX, XXXX XXXX another payment of {$380.00}. XXXX XXXX the same amount. I even asked for a copy of my payment histories. Unfortunately I contacted covid in XXXX the bill was paid, and XXXX right around this time I made this payment. Unbeknownst to me I was taken out of work due to long term XXXX effects that left me bedridden for almost XXXX months. I was out of work and because I worked retail I was only given a reduction of my hours barely enough to provide food for myself. I explained this to the first representative who was very XXXX and XXXX and was like XXXX XXXX the balance needs to be paid or were taking the car. My only source of protection for myself. I had to borrow money that I dont have, Im thinking Im only a month behind and can catch up with XXXX payment in XXXX. I started a new position on the XXXX but my check will be held until the next pay period. I called and this representative said the balance was {$1300.00}, I had to take borrow from almost everyone and I paid a total of {$810.00}. Which leaves me a balance of {$520.00}. Which means a payment is missing along with {$140.00} seems odd because ot shouldnt be like this. I dont get any confirmations from them, I have no idea whats owed or even if a payment is getting processed. Can you help please? Are companies really doing this? Im not XXXX about being XXXX I have documentation.
06/12/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	CA 92584	Web
On XX/XX/XXXX, Exeter Finance Corp acted in a predatory manner when financing my vehicle. My credit score was under XXXX, I was late on my current vehicle. I had a bankruptcy discharged just a few years prior, and I am female. Exeter gladly financed in the negative equity of the vehicle I was currently late on, $ XXXX.The apr was 18.95 % and total amount financed was $ XXXX. On a vehicle whose purchase price, less manufacturer rebate of {$3500.00}, and cash down of {$2000.00} should have been XXXX was financed through Exeter with negative equity and all for {$25000.00}. My payment was {$580.00} per month. If this was n't bad enough, a year later I became too sick to work and lost my income. I was unable to make the payments. I was called continuously by Exeter 's collections department even though I informed Exeter that I was on XXXX and told them I had little to no income and did n't know when I might have income again. I asked them to come pick up the car on many of these calls. A few months later in XX/XX/XXXX orXX/XX/XXXX they finally sent a company to repossess the vehicle. It was XXXX XXXX. in the morning. I relinquished the car voluntarily. They sold the car at auction XX/XX/XXXX for {$12000.00}, leaving the balance surplus of {$14000.00}. However, they have continued to add interest daily and my report shows I owe over $ 20k and they have repeatedly reported my delinquency incorrectly since. When I tried to contact Exeter I learned that the phone number they listed on the credit report was a dead end. I am permanently XXXX and have suffered enough from their damaging tactics in reporting my delinquency to the credit bureaus. I did not plan on getting sick, and I have suffered enough.
05/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	KS 66048	Web	Servicemember
On XX/XX/2022 I received a copy of my credit reports. After reviewing these reports, I identified an account that I did not recognize being reported by EXTER Financial. XXXX XX/XX/2022, I sent EXTER a letter disputing the entry and requesting documentation that I had a contractual obligation to pay them a debt. I send this letter via USPS Mail, certified with a tracking number of XXXX XXXX XXXX XXXX XXXX, which was received and signed for on XX/XX/2022. On XX/XX/2022, I received a new copy of my credit report. Upon examining it, I noticed that EXTER failed to annotate my credit report as Disputed by Consumer, in accordance with the Fair Credit Reporting Act, section 623 Responsibilities of Furnishers of information to consumer reporting agencies. Paragraph ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person ( EXTER ) to any consumer reporting agency is disputed to such person ( EXTER ) by a consumer ( ME ), the person ( EXTER ) may not furnish the information to any consumer reporting agency without notice that such information is disputed by consumer. On XX/XX/2022 I prepared a 2nd letter to EXTER Financial and informed them of their error in following the FCRA. That letter was once again send via USPS Certified mail, tracking number XXXX XXXX XXXX XXXX XXXX, which was signed for on XX/XX/2022. On XX/XX/2022 I received an updated credit report, and noticed that not only did EXTER again fail to follow the FCRA, once I informed them of their mistake, they again reported a closed account to all three Credit Bureaus. This type of failure to follow federal law should be taken very seriously, and they need to be help accountable.
01/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NV 89431	Web
I paid my car loan in advance. {$3000.00} XX/XX/XXXX, {$2900.00} XX/XX/XXXX, {$2500.00} XX/XX/XXXX. They agreed to take payments out of this balance until the loan was satisfied or until the balance was exhausted from XXXX. They correctly applied the payments like we had agreed upon for XXXX. Without any contact with me they failed to apply funds from the remaining balance of the lump some payment from XXXX. XX/XX/XXXX I notified them that there was a derogatory mark on my credit stating the payment had not been made. I called when I noticed the payments had not applied from the money I paid in XXXX then they started applying the payments again with no additional money being paid in XXXX. This has impacted me in getting a new car and the payments never should have stopped being applied. They have agreed on several occasions that the derogatory payment should be removed as the error was on Exeters side not mine, but every time its disputed they say the info is correct. How can it be correct if they had my money and it just wasnt applied to the loan for XXXX and XX/XX/XXXX then resumed applying the payments as agreed upon until the loan was paid off in XX/XX/XXXX. Ive had multiple conversation with XXXX employees as well as supervisors over the past 12 months and have been unable to get the incorrect derogatory marks removed from my credit. At this point the derogatory marks are still there and I believe XXXX is no longer acting in good faith to correct their errors that on multiple occasions they have admitted is their fault. Im requesting that the false derogatory information for XXXX and XXXX be removed from my credit. I have provided a copy of XXXX statement that collaborates this information
01/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NV 89431	Web
I paid my car loan in advance. {$3000.00} XX/XX/XXXX, {$2900.00} XX/XX/XXXX, {$2500.00} XX/XX/XXXX. They agreed to take payments out of this balance until the loan was satisfied or until the balance was exhausted from XXXX. They correctly applied the payments like we had agreed upon for XXXX. Without any contact with me they failed to apply funds from the remaining balance of the lump some payment from XXXX. XX/XX/XXXX I notified them that there was a derogatory mark on my credit stating the payment had not been made. I called when I noticed the payments had not applied from the money I paid in XXXX then they started applying the payments again with no additional money being paid in XXXX. This has impacted me in getting a new car and the payments never should have stopped being applied. They have agreed on several occasions that the derogatory payment should be removed as the error was on Exeters side not mine, but every time its disputed they say the info is correct. How can it be correct if they had my money and it just wasnt applied to the loan for XXXX and XX/XX/XXXX then resumed applying the payments as agreed upon until the loan was paid off in XX/XX/XXXX. Ive had multiple conversation with XXXX employees as well as supervisors over the past 12 months and have been unable to get the incorrect derogatory marks removed from my credit. At this point the derogatory marks are still there and I believe XXXX is no longer acting in good faith to correct their errors that on multiple occasions they have admitted is their fault. Im requesting that the false derogatory information for XXXX and XXXX be removed from my credit. I have provided a copy of XXXX statement that collaborates this information
07/28/2023	Yes	Debt collection Auto debt	Communication tactics Used obscene, profane, or other abusive language	GA 301XX	Web
This company EXETER Finance continues to violate me with abusive, contradicting and illegal tactics to try and intimidate me in regards to a an already paid debt which was XXXX by the IRS, they have also admitted to selling third party companies my personal information which is illegal per 5 USC 522a. They have also violated the Fair Debt Collection Practices Act which is found on the FEDERAL TRADE COMMISSION website which states in 15 USC 1692 ( a ) Abusive practices and 15 U.S. Code 1692c - Communication in connection with debt collection which states once given NOTICE that all communication must be CEASED, The only communication that should be initiated should be the following -to advise the consumer that the debt collectors further efforts are being terminated ; -where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. I should there for not be communicated with other wise, The debt has been paid and they want triple payment it seems, You have received payment from the IRS, you have admitted to also SELL my DEBT which you have also received payment for. PLEASE STOP WITH THE ABUSE AND THREATS!!! NO MORE COMMUNICATION SHOULD BE RECIEVED BY MAIL OR ANY OTHER COMMUNICATION TOWARDS THIS FAKE FRAUDULENT DEBT. - No More communication about fake debt -stop with misrepresentation ; no signature or Printed name found on the mailed mentally abusive and manipulative document sent on XX/XX/2024. Corporations can not speak so for an individual to write " Sincerely, EXETER FINANCE LLC '' at the end of mailed document is misrepresentation and fraud within itself. You have violated my fundamental unalienable rights ten times if not more,
02/21/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	OH 43214	Web
On XX/XX/XXXX I suffered a total loss to my XXXX XXXX XXXX XXXX, and notified Exeter Finance about the accident. My insurance company paid the loan down to {$7500.00}. Exeter was unable to refinance this loan to the back end of a new loan, and I had to get a new vehicle. The maturity date of the contract is XX/XX/XXXX, and I requested an updated amortization schedule based off of the new balance through the maturity date of the loan, so I could pay them off without settling and also be able to make my other car payment, as well as live. I spoke with a manager mid XXXX who stated they would submit a request, and I'd hear back, but I didn't hear back. I've gotten phone calls from representatives requesting payment, but no resolution to my request. Today I was told by a representative that they can't change my contract amount, and in 3 days I would be reported 30 days late. No call from a manager or director, as I was promised, just a regular ole representative who could've told me this before 3 days before being reported late. I answer every phone call from them. I request to speak to a manager, and a manager said no, but let 's get you a settlement offer. The settlement offer was {$5000.00} and I had 10 days to come up with it. Now... if I had the funds for a settlement offer, I'd just make the two payments and call it a day. Then, said manager, I believe her name is XXXX, asked me if I had gap coverage knowing that they didn't offer gap coverage through their loans, or I would've had the gap coverage. So... They don't refinance. Don't offer reasonable settlements. Don't offer gap coverage. Don't return phone calls in a timely manner to avoid backing their consumers into a corner.
04/07/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	GA 30349	Web
After multiple investigations and sending certified letters. It is evident that my FCRA rights and need to remove XXXX XXXX. My FCRA rights have been violated and if XXXX XXXX isn't removed immediately my attorney will have to file a lawsuit in XXXX County, GA. Ive created 5 disputes since XXXX and this credit reporting agency is violating my rights and is not taking my facts seriously. XXXX is continues to report inaccurate information. This account appears on XXXX XXXX report as well so why does the responsibility show individual? Again this company refuses to report accurate information. Exeter shows {$7500.00}. The amount shown by XXXX XXXX is {$7600.00}. Again this is all incorrect. XXXX XXXX and Exeter have a contract agreement for {$7600.00} dated in XX/XX/XXXX ; however, as shown in the statement the amount is shown as {$7500.00}. XXXX XXXX doesnt have a contract for {$7500.00} yet this is the amount Exeter shows which is the original creditor. XXXX also shows as a collection from XX/XX/XXXX-XX/XX/XXXX but how can this be when the account shows an open date of XX/XX/XXXX. Another inaccuracy. In addition, the first date of delinquency was XX/XX/XXXX as shown on the XX/XX/XXXX PDF. Therefore, this account should be removed because of the first date of delinquency. The statement also shows late fees and charges as of XXXX. XXXX shows that this account is on record until XX/XX/XXXX. Thats another inaccuracy as it should be deleted bc of the first date of delinquency. I'm not asking for an investigation as it is apparent XXXX XXXX does not take this seriously. This account needs to be removed based on multiple inaccuracies and the first 30 day late was in XX/XX/XXXX.
10/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 76001	Web
XX/XX/2020 I began shopping around for a vehicle and I visited 3 different dealerships. I visited Drivers Select of XXXX XXXX, XXXX, and XXXX. At XXXX, I was approved for a new car. Upon looking at my credit report, all three dealerships ran my credit through several credit approval companies. I have a total of 46 credit inquires across the three credit bureaus within a 7-day time frame. XXXX XXXX XXXX XXXX XXXX XXXX placed a hard inquire on my credit 22 times. I sent letters to each of the individual companies and received a letter stating I agreed to them running my credit by providing the merchant my driver 's license. I did not agree or approve these companies to run my credit 46 times through several different companies, including those I have never heard of. XXXX XXXX could have used the first inquire as it remains available in the system for 30 days. I was preapproved through XXXX XXXX and presented my preapproval to each of the dealerships. Unfortunately, all three of the dealerships ran my credit through several agencies without my consent. I did not authorize these companies to run my credit or view my credit report. I have contacted these companies several times to request the removal of the inquire and even hired a law firm to help, but they will not budge. I also contacted the three major credit bureaus and I did not receive a response. 46 inquires across 3 credit bureaus within 7 days are truly excessive and violates several consumer laws. I would like all 46 inquires removed from my credit. I did not provide written or verbal consent for this to happen and I am saddened and truly devastation I am not being heard. These companies have caused unnecessary harm. Thank you.
07/13/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	AZ 85249	Web
First off I paid off a repo ( that I believe was unjustly taken ) in full through a collection agency XXXX XXXX XXXX At the time ( X/X/17 ) I paid it off they said they would remove the account from my credit report. They were representing Exeter finance who 's response was we do n't know who XXXX is we deal with XXXX so you need to deal with them regarding this account. Fair enough - XXXX sold the account to XXXX XXXX who then sold it to XXXX. I was told the account would be removed from my credit report - It has n't nor do I think it will after numerous attempts to dispute with the 3 credit agencies. That 's complaint number one - Complaint number two that I 'm more upset about is at the time of the repo I was going through a rough time with my wife. She was living in AZ and I was in FL living and working on a project. During that time payments fell behind ( 2 months ) and she called Exeter to come and get the vehicle. Problem is her name was not on the loan agreement nor did they have any business picking up the vehicle at her request. I called Exeter and they could not provide any evidence that they tried to call me personally, all the conversations they had were with my wife. I did not find out about all this until it was well over with. I also spoke with someone in their repo dept and they said they sent a letter to an AZ address explain the loan was in default and they had the right to repo weather it was volunteer not. By AZ law they said that 's all they required to do. I researched it and yes that is true but you must sent the letter to the state where it is registered which was Florida. This is my last attempt to get this off my credit report before I contact an attorney.
02/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32244	Web
I refinanced my vehicle with XXXX XXXX XXXX, signed contract date of XX/XX/XXXX. I returned all of the properly signed documentation required to them via XXXX on XX/XX/XXXX. Through a credit monitoring service I found out that my credit score dropped 78 points due to a " missed payment ''. My score went from XXXX to XXXX. I have worked diligently on building my credit up and have NEVER missed a payment. Through research I found out that Exeter, my previous auto loan lender, was reporting the late payment. I have never been late on a payment the entire time I was financed with them. After further research I found out that XXXX XXXX XXXX sent in the payoff EXTREMELY LATE on XX/XX/XXXX. I had already made my first payment on my new account to XXXX XXXX before they even sent in the payoff to the old company. ( I attached the USPS tracking XXXX showing when they mailed the payoff. ) I called Exeter and they are unwilling to remove the late payment. They advised me to contact XXXX XXXX to get it straightened out since they were the ones that sent in the payoff late. After 6 calls to XXXX XXXX I am now filing a formal complaint. XXXX XXXX will not take responsibility for sending in the payoff late. They advised me every time that I called that it is MY responsibility to get Exeter to remove it from my credit report. On 2 different occasions I was told a manager would contact me. Finally a manager called to get the whole story and said he would get with his people and call me back. That was XX/XX/XXXX and I have not heard from them since. This late payment needs to be removed from my credit report since it was beyond my control and absolutely not my responsibility or fault.
05/24/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NY 11236	Web
On XX/XX/2019 I purchased a XXXX XXXX XXXX at the XXXX XXXX XXXX in XXXX XXXX New York. The purchase agreement was assigned to EXETER FINANCE LLC in Texas, i received the first statement in beginning of XX/XX/2019 and I mailed to EXETER a Certified Check, an IRS form 1040V, a New York State UCC-1 Affidavit Of Ownership filing # XXXX, a Kentucky UCC-3 filing # XXXX where I Register the Certified Check/Security Instrument, all the mentioned items were received by EXETER on XX/XX/2019, on XX/XX/2019 I received a XXXX mail from EXETER/XXXX XXXX stating reception of the certified check and claiming " EXETER does not accept the document purporting to release the customer 's responsibility in the XXXX XXXX VIN # XXXX ETC ... without returning any of the document ( s ) sent ( 1040V, New York UCC-1, the Certified Chek, the Kentucky UCC-3 ). I gave EXETER FINANCE 10 days to return everything received from me if there was any defect for me to correct it they did not, meaning the alleged debt was discharged after the 10 DAYS WINDOWS. They sent me another statement with adjustment of {$44.00} along the monthly payment, I sent them a SET OF GSA BOND ( SF30 Amendment of Solicitation/Modification Of Contract, Optional Form 90 Release of Lien on Personal Property, Optional Form 91 Release of Property from Escrow, SF 1414 Consent of Surety SF1416 Payment Bond for other than Construction, SF1418 Performance Bond for other than Construction to Satisfy/Settle/Close the Account, two days after they received it XXXX XXXX MAILED ME BACK via XXXX everything that they received in XX/XX/2019. They still have the GSA Bond to Satisfy/Settle/Adjust the Account according to the instructions on the bonds
02/27/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease High-pressure sales tactics	IL 60435	Web
During XX/XX/XXXX I went into the advantage XXXX XXXX XXXX XXXX in XXXX XXXX with {$5000.00} to make a purchase for a vehicle and I work with the salesman XXXX XXXX. I arrived at the car dealership with myself and my two children I let him know that I wanted a new vehicle and how much I had to put down as a down payment he immediately told me there was only one vehicle that he could show me and demanded that I pay him {$2500.00} out-of-pocket through XXXX XXXX and then I paid XXXX to the dealership because that was the only way I would be able to get the vehicle. About 30 days later exactly the car went out. I demand it at the dealership come and pick up the vehicle from my driveway and return my money and they refused to they only offered to fix the car which they took to two or three different car shops in the car was still never truly fixed. iKn addition, it was in the shop for over four months after that it got out of the shop for about 30 days and was in the shop again for another month over the course of eight months, I was only able to physically drive the car two and fell behind drastically on the cardinal and ultimately the account was charged off and the car was repossessed. The vehicle in question is a XXXX XXXX XXXX I spent over {$5000.00} at the car dealership that day and the contract that was drafted up by the salesman and finance department only reflects {$3000.00} I'm demanding that this contract is null and void and this be removed from my credit immediately this dealership practiced fraudulent lending. They committed consumer fraud and this needs to be removed from my credit immediately because I'm a vulnerable buyer and I was taken advantage of.
11/09/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 301XX	Web
The attached documents are exact words/ definitions and details regarding Right of Rescission copied and pasted from the GOVERNMENTAL WEBSITE ITSELF CFPB and other. Exeter is trying to deny me of my right to rescind stating it does not provide for a right to rescission for indirect auto sales finance contract which indeed is FALSE. I have attached definition and the exempt transactions and that does not apply to me and my contract. They also feel as though the right of rescission only applies to mortgage refinance or home equity line of credit as stated in their response. Saying that documentation I am providing is false or inaccurate is also saying the CFPB is false and inaccurate. I would also like to mention how Exeter Finance have neglected to give a sufficient response to my Affidavits point for point by affidavit as they are required to do so. They have ignored my concern regarding billing error, did not send documentary evidence in accordance with 15 USC 44 which reads Documentary Evidence includes all documents, papers, correspondence, books of account, and financial and corporate record, without providing all of these the error cant be clarified or resolved. The account should be placed on hold from collection pursuant 12 CFR 1026.13d ( 1 ) which is my right as a consumer and they are prohibited from reporting adverse credit reports pursuant 12 CFR 1026.13d ( 2 ). Once again I am requesting all funds paid to Exeter be returned to me by form of a check, the title to my 2014 XXXX XXXX, and removal from my credit report. If Exeter Finance continues to violate and deny me of my consumer rights I will be moving forward to arbitration to get this matter resolved.
03/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29410	Web
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. This is where my " XXXX XXXX '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a XXXX - XXXX XXXX XXXX and send it to the credit bureaus to reflect paid on time " never late ''. The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
10/05/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	MD 21222	Web
I received credit denial for an auto loan from this bank from a dealership. Their reasonings for credit denial were based off of credit reporting for items that went delinquent due to unemployment delayed from a XXXX and several XXXX unemployment claims still unpaid and unresolved. And XXXX pandemic assistance received during the entire COVID-19 timeframe. Everything was delinquent and caused my credit issues because of delayed unemployment, delayed assistance, and I applied for thousands of jobs claiming to be hiring and they were not. I started doing XXXX XXXX XXXX of XXXX because I was homeless and sleeping at rest stops seeking help for shelter, etc. Or I was denied the jobs based off of EEOC violations. In which case, I have hundreds of complaints filed with all of these agencies that went unresponsive for a year or longer. I am owed roughly {$42000.00} to {$96000.00} in unemployment money. I wound up homeless and lost my FHA HUD backed mortgage waiting on nothing to happen. And my congressman sent the police to my home to have me arrested and committed for a mental evaluation versus resolving what I was contacting his constituent services about. Him and all other political representatives in my district and directors on all levels of government agencies received hundreds of letters, emails, calls, etc., from me and NOBODY responded over a 4-year period. Which prompted a congressional ethics complaint. Prompting me to go about this in this manner to prove a point to the lack of action and response from people who are supposed to be a service to the public and I was a taxpayer. And now am again. I'm not in my situation by choice. I didn't create this!
08/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92404	Web
Name : XXXX XXXX XXXX Company : EXETER FINANCE Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Amount : {$6400.00} Account : XXXX XXXX Status : CHARGE OFF The company has violated the following : 15 USC 1692c - Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 1. Lack of Proper Notification : As per the Uniform Commercial Code ( UCC ), Section 9-610, a creditor must provide a debtor with proper notice prior to repossessing a vehicle. I have not received any prior notice regarding the repossession, which raises doubts about the validity of this entry. 3. Violation of Reporting Guidelines : The repossession entry fails to comply with the reporting requirements outlined by the Fair Debt Collection Practices Act ( FDCPA ) and the FCRA. Please provide documentation that demonstrates adherence to these guidelines. Reference Laws : - 18 U.S.C. 1028 ( a ) : Aggravated Identity Theft under the Fair and Accurate Credit Transactions Act ( FACTA ) - F.D.C.P.A. : Fair Debt Collection Practices Act - Privacy Act of 1974 - Fair Debt Collection Practices Act ( FDCPA ) They have violated the FDCPA 1006.3a and its new rule by parking this alleged debt on my consumer reports. In light of the above reasons, I kindly request that they promptly investigate this matter and take all of the necessary steps to remove the repossession entry from my credit report. It is my expectation that you will resolve this dispute within the timeframe as stipulated by the FCRA, generally 15-30 days.
08/31/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	TX 77016	Web
On XX/XX/2018 i called XXXX XXXX XXXX in regards to sending me a letter stating that they sold the account to another lender. The rep from Exeter Finance stated that she could not send me this information and stated that the account is no longer with them, but was sold to XXXX XXXX XXXX and she presented me with the number to call them. I contacted the company XXXX XXXX XXXX on XXXX XXXX requesting for a physical address for the company and the rep stated that she could not give out that information to me. Then i proceed to give the rep the account number that is on my credit reports to see if XXXX XXXX Funds have that account number along with my name/ssn. The rep stated that they do not have anything in their office with that account number, social security number, address or my name. Rep called me back on the same day after speaking with her supervisor stating another company XXXX XXXX has the account and she presented me with the company number. I then contacted XXXX XXXX asking rep about this account, and rep stated that their company doesn't have any information with my name or social security number in their office. XXXX XXXX XXXX sold the account to XXXX XXXX XXXX, which is stated on all three credit bureau reports and stated Paid In Full.This has affected me physically, mentally, and emotionally along with severe health problem. I have requested verification of the debt and account, however the business failed to provide adequate proof. Considering that XXXX XXXX XXXX or XXXX XXXX XXXX does not have a contract with me for goods or services they have provided nor have they provided adequate proof, I am not obligated to pay for the alleged debt.
05/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75034	Web
I sent in a letter on my first police report XX/XX/2022 ( XXXX ) and letter for identity theft. Tracking Number XXXX USPS to have the account removed from my credit report. XXXX, XXXX and XXXX all removed this account from my credit On XX/XX/2022 These items where place back on my credit report by XXXX and XXXX. I called in to dispute these items immediately. I was told I can not dispute these items because the creditor said the debt was mine and the debt had been validated. I asked for proof of validation. I was told that was something that could not be provided to me as consumer. I filed another Police Report ( XXXX UPDATE ) XX/XX/2022 and sent it certified mail ( XXXX ) I attempted to dispute this account again However Experian rep told me the account would stay on my report. On XXXX I spoke with XXXX a specialist that XXXX made me pay for in a membership benefit form. XXXX told me to send in another police report. But there was not much she could do. I explained the COST of sending in information and my lack of transportation due to being affected by the pandemic. Documents sent XX/XX/2022 Tracking XXXX According to the Fair Credit Reporting act 15 USC1681.Section 602A I have a right to privacy. According to 15 USC 1681 Section 604A Section 2 No financial institution is suppose to share my information to a third party. I did not give written permission to have the accounts added to my credit report. I have also attached a recent copy of my FICO report to support and show inaccuracies. This is my second complaint with CFPB- First case number XXXX ( XXXX XX/XX/2022 ) Closed ( XX/XX/2022 ) This clearly violates my federally protected consumer rights
06/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76106	Web	Older American
I took out a loan w exeter finance thru a new car dealer - I paid XXXX XXXX in finance fees - I paid 3 payments - before schedule- I went in hospital with XXXX- XXXX XX/XX/XXXX XXXX I thought the loan was auto pay - it was not In XX/XX/XXXX - my car was broken into through front and damage was XXXX - my insurance - XXXX sent me a check made to exeter finance and myself - I called exeter and explained-I asked to endorse check and send to exeter and said apply 2 payments - XXXX per mo x 2 from check - apply coverage to acct or send to me - exeter agreed and I said I'd XXXX to them - I did and it was received next day - I called and they said they did receive- Now there saying they would return check to me - but held the check - saying they need repair bill - per my attorney XXXX XXXX- she sent them demand letter to return check or apply to my acct - Exeter reported to the credit bureau late payments twice causing my score to drop 100 points and my credit cards interest to 22 % Costing XXXX est - They sent me a letter saying they reported correctly- Exeter is defrauding me - lying to me - On a recorded line they said they would apply to my acct - I paid XXXX XXXX Now ruined my credit by fraudulently reported inaccurate to all 3 bureaus There still holding my check from XXXX XXXX says they will see if they can issue new check- supervisor checking Not the 1st time w Exeter issue XXXX replied Cfpb has numerous complaints on exeter concerning fraud - I want the payments applied to account or check returned I sent in additional payment XX/XX/2020 I want my credit corrected or I'll sue exeter For false pretence and verbal fraud of financial instrument -
11/15/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	MD 21217	Web
Good Morning, on XX/XX/2016 I began the process to refinance my car through Exeter Finance Corp. I went on line and clicked the " get payoff amount '' on the website within my account window. I took the screen print of my payoff which was XXXX to my credit union. On the same day I completed the application fort he refinance of my XXXX. In XX/XX/2016 I noticed Exeter was reporting XXXX to my credit bureau. At that point I contacted Exeter an was told that the amount is under investigation and I should call back in a few days time. On XX/XX/2016 I received a letter from my credit Union indicating that they are still waiting for the title from Exeter so that XXXX ( my credit union ) can now become the lean holder. On XX/XX/2016 I contacted Exeter again and spoke to XXXX about my outstanding balance. She verified that I did have a have a 10 payoff time frame which was met and that she is not sure why I have a balance. I asked to speak to a supervisor and was transferred to XXXX. He indicated that my balance was still owed because I did not contact customer service via phone instead of acquiring the pay amount l via the internet. Next I asked him can he retrieve the amount I would have been quoted under the " pay off tab '' in XX/XX/2016. He said he has no way of accessing that information. that time. Lastly, on XX/XX/2016 my payoff became effective XX/XX/2016 however the process date was XX/XX/2016 which was told to me by XXXX a customer service representative at Exeter. As of today XX/XX/2016 I owe XXXX since this balance is accruing. I do not agree with Exeter 's decision to disregard my payoff amount generated via their website.
12/09/2020	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TN 37122	Web
1. XXXX XXXX XXXX XXXX financed a XXXX XXXX XXXX through Exeter Finance for XXXX $ US at a 18.75 APR % APR State limit for TN 10 % No income verification **Willingly and Unlawfully mislead XXXX XXXX into a Unfair Loan 2. For 52 months XXXX XXXX XXXX XXXX $ equating to XXXX $ U.S. ( Borrowed amount Payed back XXXX {$3.00}. In XXXX Exeter Finance was sued for Usury by AG. XXXX office in Massachussets. She secure over XXXX XXXX for consumers in the Mass state for these exact same allegations.- ( XXXX Exeter Lawsuit ) 4. XX/XX/XXXX Corona virus caused XXXX XXXX lost his job as well as extending his licensing process for over 6 months. XXXX XXXX notified Exeter immediately asking for a freeze on account or some kind of extension until the Pandemic eased up and he could get his state license and working again. Exeter denied XXXX XXXX request on mutltiple occassions. 5. In XXXX/ XXXX XXXX XXXX began to be able to work again and reached out to Exeter once more to pay and they denied allowing him to do so. 6. XX/XX/XXXX " Subprime auto lender Exeter Finance has agreed to pay more than {$6.00} XXXX in two states for financing auto loans that the lender knew or should have known were unfair. '' 7. XXXX Lawsuit investigation on Exeter Finance has been spread to 36 states. 8.XXXX XXXX XXXX XXXX XXXX repossessed, company has not reached out to allow him to get belongings from the vehicle such as, Two car seats, electronics and important documents. 9. XXXX XXXX has also personally bought multiples parts for the vehicel such as Tires, Starter, battery bumper, left side driver door, ball and hitch this is not an all inclusive list.
10/24/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 301XX	Web
I am submitting this complaint myself NOT a third party. There has been multiple violations inside of my consumer credit contract with Exeter Finance. I signed a Contract with the failure of general disclosures which are a requirement pursuant 12 CFR 1026.17 and is a violation. They are denying me of my rights and accused me of sending fraudulent documents which aren't true. I expressed my concern regarding a billing error but they did not send me documentary evidence in accordance with 15 USC 44 which MUST be provided to clarify and resolve the error. 15 USC 44 reads Documentary Evidence includes all documents, papers, correspondence, books of account, and financial and corporate records, and without all of those the error is unable to be resolved. Exeter Finance has not put the account on hold from collection of payment pursuant 12 CFR 1026.13d ( 1 ) which reads Consumers right to withhold disputed amount ; collection action prohibited. The consumer need not to pay ( and creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). Also 12 CFR 1026.13d ( 2 ) states Adverse credit reports prohibited. According to their contract they comply with Truth In Lending Act but have violated multiple sections that falls under it. I did not receive rescission forms or a disclosure regarding me of that right which I sent notice to exercise that right and rescind the contract via registered mail. It is my understanding that when I exercise that right pursuant 15 usc 1635 they must return money or property following.
08/08/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	SC 29732	Web	Servicemember
Exeter Finance Corp . Gave me a loan for a XXXX XXXX XXXX about the end of XXXX. They applied my first 2 payments ( checks ) to my account that are being paid by a payment management company ( XXXX XXXX ). My 3rd payment, they cashed the check and did not apply the money to my account. I had my payment company provide them there proof of payment as they requested. They cashed the check for my 4th payment and did not apply it to my account again. This being the second time ( 2 months in a row ), I had my payment management company send them the documentation again and requested they refund me the extra interest fees that got charged to the account since they allowed interest to accrue to my account 2 months in a row with and the lender actually had the money. The lender told me there is nothing they can do to refund me the extra interest charges because it posted late to the account and told me they were doing me a favor not charging me late fees. My payment company and the lender setup electronic payments for future payments. The lender has now failed to apply my 5th payment even though it was electronic. I filed multiple complaints through the lender. I was told a supervisor would call me each time and no one attempted to call me. I had to call them back. One supervisor told me he would look into the problem and put a reminder on his calendar to call me back. He never did. Exeter is now forcing me to prove to them again that they have been paid. My understanding is this is a predatory lending practice to attempt to take advantage of consumers that do not know any better or will just give in to the lenders requests.
03/15/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CO 80634	Web
My car was repossessed byExeter Financing Company and for weeks I called in about my car and how I could set up a resolution or payment. I was told no I would have to pay it all in full. So I called in another time XX/XX/XXXX I called them after XXXX and I was talking to a member like I usually do and she was looking in to my account and thats when she told me that I could setup payment ( my first time hearing this from any of their members or reps so I was shocked ) so me being skeptical cause it was my first time hearing this I asked her if I pay today is there a possibility that my car would be sold in Aution. She said no, I repeated the question she confirmed no, I asked a third time she then said I assure you if you pay today your car will not be sold and you will get your car back I promise ( these are her words ) so she then begin to ask me how much can I pay towards the payment today. I have her the amount and before I gave her my card I asked her again about it being sold she yet again told me no. So I submitted the payment feeling confident and. Finally seeing some progress to this situation. Two weeks later on the XXXX of XXXX year XXXX I get a call after XXXX I could answer so I called back that morning and was told that the car in Question XXXX XXXX XXXX was sold and the balance was not charged off. Im so confused as to why they would do this after telling me that I would be able to get it back which I never received any documents of them telling me that they would sell the car. Ive never signed any documents with company or anything no correspondence through the variation of my account or loan with them
09/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32404	Web
On XX/XX/ the vehicle I had co signed to financed was involved in a car wreck. The person at fault had XXXX XXXX for insurance. I contacted them within days of the wreck. They deemed the car a total loss. XXXX XXXX emailed that they would send me a check so that I could pay off the car to the lender ( Exeter finance ). Some weeks went by and when I contacted XXXX XXXX they said that they paid XXXX to Exeter finance in XX/XX/ instead of sending me the check. That left a {$400.00} balance to pay off the car. So in XX/XX/ I contacted Gap ( XXXX XXXX ) to move forward with getting the rest of the car paid off. During this entire process I was contact with my lender Exeter finance. They confirmed that they had received the XXXX check in XX/XX/ and I let them know that XXXX said they would pay the remaining balance of the {$400.00}. It may have been a little more. However Exeter finance put a charge off on my account at the end of XX/XX/. They were given XXXX in XXXX. When I spoke to a manager at Exeter finance in XXXX concerning the charge off they said I should of paid out of pocket. The check from the Insurance was mailed to them instead of me. I had no controller over that. I should have not gotten a charge off at the end of XXXX. I worked really hard to to stay in contact with XXXX XXXX and XXXX XXXX to make sure that they received their money to get the car paid off. This charge off should be removed. I did not neglect to pay. Again {$8000.00} was paid in XX/XX/ and only a small amount was left to pay on my XXXX XXXX XXXX. Please remove this charge off. I did sent letters to the credit bereus but nothing was done
04/15/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	GA 30281	Web
I had a car accident XX/XX/XXXX in XX/XX/XXXX I get a phone call about the {$1000.00} I owed. I explained to XXXX that I had been hit by a dump truck and didn't have {$1000.00} that day but I can make payments and give them {$300.00} today and would have to make payments for the remainder balance. XXXX then asked me do I have {$600.00} and the would waive the remainder balance I said I really don't have it but to pay this off in full so when I'm able to drive again and get another vehicle so I paid {$600.00} because she said when I call back it would be higher. She said when they send you the documents sign it or it won't go through. So I did in good Faith. On XX/XX/XXXX they sent a settlement in full me not knowing the verbiage and not reading the letter I said thank you and moved on I thought it was paid in full as I was told on the call. XX/XX/XXXX my score dropped I emailed asking why no response XX/XX/XXXX my score dropped XXXX XXXX I always paid on time and it took a long time to get my score up I called them and they basically told me that I signed an agreement knowing it would be closed not paid in full I said no that's not what I was told. {$400.00} I could make payments until it was done they manipulated me and also received {$13000.00} from my insurance company beyond greedy and selfish it was just wrong, I will pay the {$400.00} for them to reverse this I built my credit up and can't even buy a home now I'm hurt because I trusted her and she knew exactly what she was doing I even asked about my credit and she just bold faced lied. I wish it was more I can do please help me if possible? Thank you
10/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30315	Web
On XX/XX/2021, I disputed Exeter Finance LLC account on my consumer report via XXXX as inaccurate. The account showed a balance of {$15000.00} and highest balance of {$15000.00} and listed Exeter Finance LLC as the creditor. According to Congress, once I dispute the validity of any alleged debts, I will be provided with all 5 requirements to validate the debt pursuant to federal law 15USC1692G. I never received validation. On XX/XX/2021, I contacted XXXX and oXXXX XXXX, I contacted XXXX and XXXX via telephone and informed them of the invalidated and inaccurate information being reported. I asked all involved to stop communicating and reporting for all purposes in regards to me, the consumer, because I, XXXX XXXX XXXX never directed them verbally or in writing to report or communicate anything about me. On XX/XX/2021, I submitted a complaint via CFPB website. On XX/XX/2021 I contacted Exeter Finance LLC via telephone and asked representative XXXX for a copy of my contact and a payoff quote to be sent to me via email. Mr. XXXX transferred me to Ms. XXXX and I asked for the same, a copy of my contract and a payoff quote to be emailed to me. Ms. XXXX stated it would come from a different department in about 24 hours via the email address I provided and confirmed the payoff quote is {$15000.00} and that it had to be paid by XX/XX/2021. As of today, XX/XX/2021, Exeter Finance LLC account is still being furnished on my consumer reports via XXXX, Exeter, and XXXX. I, XXXX XXXX XXXX, never gave Exeter Finance LLC permission to report anything to the credit reporting agency pursuant to 15USC1681b ( a ) ( 2 ).
10/20/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	PA 19120	Web
On XX/XX/2018 I tried to refinance car again. The credit union denied my application again. She said the reason is the car XXXX more than it is worth. My credit is not good enough it need to be XXXX mine is XXXX. My ratio is XXXX meaning that they think that I wouldn't be able to make the monthly payments. I co-signed a car loan for my daughter and her credit is worst than mine. I was trying to see if they would approve it without her this time but it was still a no. We brought the car from XXXX XXXX they said that after 6 months to a year we could refinance the car with a credit union and build our credit up together. My daughter has not missed a payment and never a late payment. I didn't think that we would even be approved because my credit is a maybe and her credit is bad. We were financed through Exerter Finance. I called them and explained that the interest rate was too high could they lower it since were in good standing and never late. The interest rate is XXXX. They said go to a credit union, I said we tried that several times and XXXX XXXX said the same thing the car payoff amount is too much higher than the car is worth. Exerter said they don't refinance. Why is it legal for them to give us a Predatory Loan. How did we even get approved, if a person credit is not good enough to Refinance a car then they should not be approved for a car loan. I would like Exerter to lower the interest rate since we have proven that we can pay the car loan on time. Most of the money is going to the interest and not the principal. Can we sue them for Predatory Loan? What are our rights as a consumer?
10/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76001	Web
The response received was not enough, whereas these companies did not put for any effort to remedy this issue. There was a freeze on my credit for all three credit bureaus therefore running my credit should have been impossible to do. Also, the name and the last four digits of the social security listed do not match my personal information. XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX EXETER FINANCE XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XXXXE XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXXXXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXXXXXX XXXX XX/XX/2020 XXXX I tried to contact the companies directly and was told to go away. I called each of the companies to request removal. I will continue to report your company until the inquiry is removed or the status of an account is positively update on my credit report
10/02/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	IL 62221	Web
On XX/XX/XXXX, I called Exeter Finance and asked for a breakdown of how much the car was sold for, other charges ( interest, storage, cost to pick up ) to be mailed to me. I specifically asked for an Intent to Sale form and a 1099c. They told me that they would mail a 1099c but did not have nor do or use a 1099c and could not provide that to me. I asked them how much I owed and they gave me a total of {$10000.00}. They then told me that I owed the debt to XXXX and not them and to call XXXX XXXX set up a payment system. When I called XXXX they told me that my balance was {$7800.00}. Today, on XX/XX/XXXX, I still have not received an Intent to Sale form in the mail. I called them today for an update and asked why XXXX said I only owed the {$7000.00} but they are charging me {$10000.00}. She stated that the car sold for {$6300.00} and I was charged for other things such as the preparing for auction, the cost of the car, late fees and the cost to pick the car up. I am not sure who I would pay the other {$3000.00} to if XXXX is only charging me for what is the remaining balance on the car. She noted that she sent me a breakdown of the costs on XXXX of XX/XX/XXXX but they sent it to the wrong address and I never received it. I requested another breakdown of everything I was charged for that she listed plus any other charges. I would like them to send me a complete breakdown of all the charges to ensure I am paying an accurate amount and not being held responsible for something I should not be. This is the second time I have had to request this form and would like to resolve this debt.
01/20/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	WV 24740	Web
In XX/XX/XXXX I entered into a car loan through XXXX finance. I was quickly handed the paperwork to sign and given the keys. Even though I had subpar credit they are a company that practices predatory lending. Multiple lawsuits in states against them. 25 % Apr without a clear outline as to what exactly that means, as far as how much is applied to the principle. We have been paying on this car for over two years and little to no progress on what we owe. The car has XXXX miles now and only books for about XXXX even though its a XXXX and we still owe more than the original sale price of the car or right at the original sale price. Not to mention a XXXX dollar a month payment. I think their paperwork is vague and does not explain exactly what youre getting into. They are predatory lending and now in the wake of a pandemic I can either struggle to pay it, voluntarily surrender the vehicle, or file bankruptcy and ruin our credit. We can not sell or refinance due to loan to value ratio. This company has lost their XXXX accreditation according to the site and they should be shut down. I understand there is already limited options for subpar borrowers but you will not prosper with this company they take complete advantage of you and your situation. Youre better off to pay cash for used vehicle or finance a very cheap used vehicle. I have a good income but this car costs as much as our home. Yes we knew the payment when we signed but what we did not know was the way they apply capital to the principle of the loan. Exeter financial needs to be stopped from taking advantage of consumers!
12/03/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	NJ 08016	Web
My name isTheresa XXXX XXXX. I am a XXXX age XXXXyrs old. I live at XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX. Please I really need your help. I bought a car, XXXX XXXX XXXX year model. The finance company is Exeter Finance. Address of Exeter is XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. Their phone number is XXXX. I bought the car XX/XX/XXXX. Loan # is XXXX. The problem taht I have is that I finished paying off my car and now I am getting threats from Exeter Finance saying that they are going to repossess my car. They said I still owe them {$1200.00}. They called me on XX/XX/XXXX. I was scared when they said they were coming to get my car despite teh fact that I have paid them {$11000.00} to date thinking I had paid off my car. I paid them {$600.00} by phone from my Social security payment. Then on the very next day, XX/XX/XXXX at about XXXX they called again demanding for more money. I told them I did not have any thing more since they took the chunk of my XXXX pay, net for XX/XX/XXXX and I only had a small amount to live on. Then I went to the non profit in XXXX XXXX and they suggested I file a complaint. They helped me call Exeter Finance but to no avail. I feel I have been cheated. The car payment was {$320.00} per month for 63 months at 28 %. I felt so proud that I paid them off the total of {$22000.00}. For a {$12000.00} car, I paid {$22000.00} for it. I still did not get my car title. Please can you help me get my title and investigate the excessive payments I am still been charged. I will like a refund of any excess payments I have made. Thank you.
08/27/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	PA 19013	Web
XXXX Reply XX/XX/2018 Confirmation # XXXX Exeter stated that the XXXX XXXX is XXXX XXXX XXXX in which XXXX XXXX XXXX on XX/XX/2018. Exeter Finance repurchased the account in XX/XX/XXXX and XXXX XXXX confirms that they notified the bureaus to delete there trade line. Exeter has different information on all 3 credit bureaus different amounts and stating that they sold the account to XXXX XXXX XXXX. wrong payment amounts showing {$73.00} as they reported to Equifax on XX/XX/2018 report. On XX/XX/2018 Exeter responded back to the Consumer Financial Protection Bureau on XX/XX/18 ( Case # XXXX ) that they in error made a mistake and repurchased the account back from XXXX XXXX systems as stated by the letter mail to me from XXXX XXXX XXXX on XX/XX/2018 that Exeter repurchased the account. as stating on the credit bureaus Exeter states they sold the account to XXXX XXXX XXXX in which is in error by the letter I have uploaded as proof. Exeter has not cleared up the correct information on my credit reports and still after months has it as XXXX XXXX systems as XXXX XXXX. I have also filed with the US attorney office consumer complaints in Texas, PA, Nevada on Exeter Finance to the issues at hand and there reply back to the Consumer Financial Protection Bureau reply to the case XXXX there has been nothing but the run around with XXXX XXXX XXXX about there error they admitted to. All the transfer/sold is in error being they bought the account back so there should not show on none of my credit reports as Transfer/sold due to Exeter bought the account back from XXXX XXXX XXXX
12/16/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	GA 30314	Web	Servicemember
My soon to ex-wife, XXXX XXXX XXXX and I purchased a vehicle through Exeter Finance in XXXX. Exeter assisted us in the beginning with 8 extensions when I started becoming ill and ran into hardships, however, over a period of time, I became more XXXX from XXXX XXXX XXXX XXXX XXXX XXXX. I have tried to inform Exeter Finance of all of this over 3-4 months and I received no support, no respect, or no assistance. I am currently XXXX due to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX. I have been suffering from XXXX & XXXXXXXX XXXX with XXXX of my XXXX XXXX. I only receive my XXXX compensation and I am in a financial hardship, I have even tried voluntarily surrending the vehicle back to them, however, Exeter claims that XXXX XXXX who wasnt making any payments to the vehicle told them to keep it. I still try to keep them up to date on my status with if I am able to pay something or not and inquire if they have obtained the vehicle from XXXX XXXX in Virginia, in XXXX XXXX XXXX XXXX XXXX, and they still have not picked the vehicle up to this day. They always inquire where the vehicle is like I havent informed them where they can pick the vehicle up at. Exeter Finance even informed me not be near the vehicle because of their policy when they repossess the vehicle, however, they still have not picked the vehicle up. Exeter Finance will not update their records to reflect, I am a XXXX XXXX XXXX who does not work. They intentionally have listed as being employed making the same amount of money I use too to justify that I have the means to make a payment.
12/12/2021	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Denied request to lower payments	GA 30060	Web
I purchased a vehicle from XXXX on XX/XX/XXXX. I was able to get financed through Exeter Finance ( XXXX XXXX XXXX, XXXX, TX XXXX \| XXXX ). The total cost of the XXXX XXXX XXXX XXXX was {$12000.00}. On XX/XX/XXXX the vehicle was stolen from me by a homeless man. He was later found in possession of the stolen vehicle after he crashed it while trying to abscond from a XXXX XXXX, GA police officer. My insurance company ( XXXX XXXX XXXX XXXX Georgia ) offered me an unfair settlement amount and I am currently in an active dispute with them over the {$5400.00} they tried to give me for my three month old car. While all this has been going on, I have still been responsible for the monthly payments to Exeter Finance. I have been unable to make them. I had to purchase another car to replace the one that was stolen and can not afford both payments. My bills are behind and I have pleaded for help several times with no response to any of my letters. I have also called them and asked for them to work with me, they denied helping me refinance the vehicle, defer payment, and completely disregarded my phone calls and letters and just keep sending bills and reducing my credit score. Not only has this affect me, but it has also affected my mother who co-signed the vehicle for me. Her credit score has reduced significantly. We are both victims of another person 's crime, but have been treated as if we are the criminal instead. I am in over my head with all of this. I need some help. No one will give me a break. Please if you can help me somehow I would greatly appreciate it.
04/24/2017	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	GA 30067	Web
I had a XXXX XXXX XXXX XXXX with Exeter Finance Corp . I have had issues with the company from the start with their collection tactics as well as the predatory interest rate I had with them. I voluntarily surrendered the vehicle back in XXXX XXXX . On each occasion I contacted the company to make sure that this will show up on my credit as a voluntary surrender as well as contacted to see when they would pick up the vehicle. I havent heard anything else from the company since I had made initial contact. I checked my credit on XX/XX/XXXX and discovered I had a charge off from the company. I immediately contacted them by phone where I verified my current address twice with them. I asked them why they havent sent me any accounting of my account with them. They stated that they did and they received a return sender letter. They also stated that I didnt update them with an updated address even though I have had the same address since the beginning of the loan. I requested that they send a copy of the return sender letter for proof they did attempt to send me an explanation of proceeds in which they couldnt provide. It wa s one r epresentative that I spoke with that went as far as saying that the charge off was going to stay on my credit because I didnt comply! I never received anything from the company to comply with! A manager at Exeter stated tha t I should dispute this issue directly with the credit reporting bureaus. The lack of assistance, unlawful reporting and unethical, deceptive practices by this company is extremely frustrating!
08/19/2017	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	FL 33860	Web
There are two reporting errors on my current loan and credit reports. Exeter is reporting me late 30 days on XX/XX/XXXX and XX/XX/XXXX in the amount of {$350.00}. First, I was never late in XX/XX/XXXX as seen in the provided documentation. Second, I applied for a hardship extension in XXXX of XXXX and was told over the phone by a customer service representative that I could indeed push a payment to the end of the loan based on the fact that I had been unemployed but was currently reemployed and needed time for my payroll to start before I could make a payment. One can clearly see that XX/XX/XXXX is missing from my payment history and there is an extension notation on the right side of the provided documentation which accounts for this. This however has nothing to do with XX/XX/XXXX which clearly shows as paid. I believe these two months to be mixed up somehow. When I called to have Exeter correct this information I was told by a manager that it was illegal for them to correct any reporting to the bureaus. This call occurred on XX/XX/XXXX with XXXX XXXX ; I asked her where specifically it was stated to be illegal to correct erroneous information according to the FCRA and she proceeded to tell me : " that is just how we do business at Exeter and it would not be fixed ''. I then asked her if our call was being recorded, she said it was. I am currently getting my credit in order to buy a home and so have just recently noticed these inaccuracies. Had I noticed sooner I would have taken action sooner. Thank you for you help I certainly need it.
07/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MO 65251	Web	Older American, Servicemember
In XXXX, following a divorce, I bought a XXXX XXXX XXXX, I lived in Florida at the time. In XXXX, with my finances in a mess, I filed a chapter XXXX Bankruptcy. I would have filed a chapter XXXX, but I did not qualify. At any rate, the car was part of the chapter XXXX, but with a reduced payment from the Trustee. In XXXX I determined that I would file a chapter as financially I qualified. My lawyer agreed and drew up the paperwork, taking XXXX for the chapter XXXX. In a meeting in her office a week or two later she told my I did not qualify as it had not been long enough since my last Chapter XXXX. I contact Exeter Finance to try to work something out to keep the car, but they wanted me to pay the {$6000.00}, and that was not possible. At that time, I contacted Exeter finance and surrendered the car to them. At some point thereafter they sold the car. They violated Florida law when the sold the car, as Florida XXXX states that they must notify me of the time, day, and location to the sale at least 10 days prior to the sale. Exeter Finance then reported to XXXX that I owed a deficiency of {$23000.00} and XXXX under public records as included in bankruptcy. XXXX, Exeter and XXXX are refusing to correct the information even though they have been informed that Exeter violated Florida law when the sold the car without notifying me. In addition, the chapter XXXX Bankruptcy was dismissed in XXXX and XXXX has been advised to the same, but refuses to either remove it from my credit file or put a note that says the bankruptcy was dismissed.
08/12/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	GA 305XX	Web
Exeter finance has continually misled to me and admitted their mistakes on a recorded line. They sold me a loan and lied to me how much interest I was paying and how it was accruing.In addition their collection activities have been harassing at work and they have not complied with Georgia rules and given me enough notice XXXX is my account number I have spoken with XXXX and XXXX at their company and they give a list of excuses. They stated and admitted they have made mistakes in their verbal conversations and are constantly not meeting compliance on my account on verbal recorded lines. I am requesting the interest rate I was advised by Exeter upon the receipt of the initial loan 19.71 percent is what I have and I am requesting it to be the 10 percent I was advised. They are sloppy in their training of employees and they are not advising me correct information as when my vehicle is for assignment and notices given. They have distorted truth and admitted to their mistakes verbally but have n't cured them. I was told it was an installment loan annual interest accrued. Instead they gave me an vehicle loan of interest calculating the loan. Their notices after making a payment were not compliant with Georgia on the XXXX day. I made a payment and was told verbally that would negate the notice. Now they are saying after given the money they do n't have to meet compliance. I was never explained the terms of my loan and now I am stuck with this interest rate. Exeter finance never explained the loan to me and has misled me since inception.
05/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95758	Web
The company is committing fraud violating my rights to privacy and accurate information on my credit report reported by the company EXETER FINANCE LLC. I submitted a complaint XX/XX/XXXX for inaccurate and false reporting by them on my credit report, they had 30 days to update my credit report with ACCURATE information, on XX/XX/XXXX i received a response saying they updated the inaccurate information and in fact when I checked my credit report on XX/XX/XXXX I noticed all the inaccurate information was there including false reporting like reporting to XXXX that I made OK on time payments 4 times XXXX, XXXX, XXXX, XXXX, when in fact the car was repossessed and auctioned off in XXXX of XXXX so reporting on time payments after that is illegal and a violation of the FCRA, I submitted a complaint around XX/XX/XXXX and they responded XX/XX/XXXX that I didnt provide any new information and what they have reported is correct which is a lie, I called EXETER XXXX XX/XX/XXXX at XXXX ( PT time ) and I spoke with XXXX who XXXX to her higher up XXXX who told me after speaking with her manager they arent sure what the usc codes in my complaint means, but they closed the complaint out. How can you close a case as accurate when you never investigated in the first place. Im trying to save this company money as well as both of us time on having to go through a lawsuit. I want the account terminated and deleted from my credit report immediately as the company has violating multiple FCRA laws and now making false responses on the cfpb complaint.
05/21/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TX 76548	Web	Servicemember
Around XX/XX/2014 I obtained a loan from Exeter finance to acquire an XXXX XXXXXXXX XXXX. Months after I obtained the loan my parents house was about to get foreclosed on. I called Exeter finance and asked if I could make 2 late payments due to unforeseen circumstances. The customer service representative said that she could do better than that. She told me that she would put my next 2 monthly payments at the end of my lease so that I don't accumulate late fees. It seemed like a very simple task until not even 6 weeks later my car was repossessed for non-payment, a payment in which was agreed would be moved to the end on the loan. I called and tried to get everything sorted out and they told me they didn't receive my agreement, I sent them the information showing them the agreement and the representative told me it was too late and that I would have to pay almost {$4000.00} in fees that were assessed. The company illegally repossessed my car for purposes that were the fault of the company and weren't willing to take the blame or make it right by returning my vehicle even though they acknowledged their fault in it. The company therefore broke an agreement made between the company and consumer and it needs to be remedied. I have contacted XXXX as this item should have never went on my credit report, it is a fraudulent loan due to agreement terms being broken by the company. If this item isn't removed from my credit report, I will be pursuing charges and contacting the FTC to pursue fines for unfair and unethical practices.
11/16/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	LA 708XX	Web	Servicemember
In XXXX I received an auto loan from Exeter finance through XXXX XXXX in XXXX, La. Over the years I paid XXXX payments. I paid them double what the original amount of {$15000.00} sales price. At the maturity date of the loan XX/XX/XXXX they said I still owed Exeter close to {$10000.00}. ( XXXX XXXX of original sale price of the auto ) I cant get straight answers to how theyre applying interest especially when they offered me extensions. My loan matured in XX/XX/XXXX, Ive paid XXXX extra payments after the maturity date as I tried to figure out what the extra {$10000.00} was for and how I could have rectified or at least come to agreement with them. I tried to refinance the {$10000.00} and they told me I had to pay it all in full. They said that my account was over 100 days in the rear even though I have made XXXX payments since XXXX all the way up to XX/XX/XXXX. I didnt make a payment in XX/XX/XXXX because the email I requested of a full statement explaining how the interest and fees were applied to my account never was sent to me. They repossess my vehicle said they would only take a {$9000.00} payment which was the balance after the XXXX extra payments I made in XXXX and XXXX. I asked if I could refinance the {$9000.00} they said they dont do that. I researched online and discovered that Exeter has been sued by more than XXXX State Attorney General ( I know for sure in Michigan by XXXX XXXX ) where they had to pay millions back to consumers due to predatory practices so I am wondering if that is happening to me.
11/06/2017	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	MO 63135	Web
On XXXX XXXX XXXX I cosign for my sister a car in which later me and her had a problem getting on the same page about the car and insurance and payment in which I made the decision to take the car back to the dealership to have them take me off the loan or take the car back. I spoke to the finance manager XXXX XXXX on friday XXXX XXXX 2017 in which i had the car with me to return it was at XXXX which she stated that the finance place that she went threw was closed and said that she will reach out to me on XXXX at XXXX in which she didnt so around XXXX when i got off work i went back to the dealership which is XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Mo. XXXX and spoke to XXXX XXXX again and she said when she got to work this morning and said they said it was to late the loan has been sent already. I ask for the number to call and speak to them and she did so I called and talk to an rep name XXXX in which she stated that she couldnt give me here last name i said ok i gave here my name and social to look up the account she said that there was not an account yet because it takes up to 30-45 days i told her that i was trying to return the car because I didnt want my name on the car because of personal reason she then stated that the dealership can do that since there is no loan yet so I had them page XXXX again told her what the young lady said she said that they dont know what they are talking about and there is nothing that she can do and i told here that she can and she said there is not so i decided to take the next steps.
09/13/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 33025	Web
I have attempted to fix this situation with Exeter which they sold this fraudulent account to XXXX XXXX XXXX, I have sent letter to provide information of : 1. The original Retail Installment Sales Contract or Lease Agreement, associated with the sale and financing / leasing of this vehicle. Please be sure to include any arbitration provisions. 2. The full payment history on this account. That includes monthly balance, required minimum payment, and the actual amount paid. Please be sure to include the date of each payment. 3. The Notice of Sale / Notice of Default, informing me of the date, location and method through which the vehicle would be sold, and how I could redeem the vehicle. Please provide proof of mailing for this letter. 4. Explanation of Calculation of Surplus or Deficiency, including an itemized description of costs and fees. Please provide proof of mailing for this letter. 5. Any notices regarding our clients right to redeem personal property contained in the vehicle. Please provide proof of mailing for this letter. 6. Details regarding whether this was a public or private sale. If this was a private sale, please advise as to whether this was a wholesale transaction ( dealers/ vendors only ) or open to non-professional buyers. Nothing has been sent back to me. Letters were sent on XX/XX/2022, XX/XX/2022, and i even submitted complaints of fraudulent activity via the CFPB about 1 month ago and Exeter 's response was that they sent a letter of their investigation. No investigation happened though.
01/12/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NY 14094	Web	Older American
in XXXX XXXX XXXX - while in an active XXXX XXXX - my husband and I needed a newer car. The trustee allowed us to assume this new debt. The only lender the car dealer was able to find willing to finance us being in an active XXXX- was Exeter Finance- out of Tx. When I did not get my statement in XXXX for my first payment - I called them. They said because I was in an active XXXX XXXXXXXX they were not allowed to send me statements. My XXXX attorney issued a letter saying that I needed to have statements- and I realized receiving them was not attempt to collect a debt. However they refuse to send me any info regarding my loan. I was told by one person I spoke with in XXXX that once the XXXX XXXXXXXX was officially discharged they would allow me access to my account. When I called yesterday as I could not log on- they said because of the XXXX XXXXXXXX I would never be able to see the activity on my acct for the life of the loan. I am now looking to refinance- and have learned that this loan is not on mine or my husband 's credit report. I called them again- and they said because of the XXXX XXXX their policy is not to report it to the bureaus. I feel this is all very suspicious. I have a loan - that I have no idea what I owe - if my payments are being processed - and the loan has not been reported to the credit bureaus. It seems that this is illegal. I need help - repaying this loan would help my credit score after the XXXX- and now it's hidden from view. How can I refinance when a new lender can not see it?
11/23/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	GA 30291	Web
I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit as described in ( XXXX XXXX XXXX ) and was extended credit in a consumer credit sale, they are now claiming that they originated the credit I extended to them in which constitutes fraud, The alleged transaction included a finance charge ( sum of all charges ) and the finance charge includes insurance in which this organization did not include my insurance and my finance charge pursuant to federal law ( XXXX XXXX XXXX ) they have committed fraud and several violations of the XXXX and XXXX. They are now threatening and harassing me for an alleged debt that they claim I owe I never received a material disclosure of any of the information that was supposed to be provided to me, they have taken an unfair, unscrupulous advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous, false allegations on my consumer report. They act as if they are unaware of what I am requesting or that the law does not apply to them and Ive included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law. Their willful non-compliance has damage my reputation as well as my credit file.
08/24/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	IL XXXXX	Web
In XX/XX/2019 my XXXX year old XXXX died and I was desperate for a car so I went to XXXX in XXXX WI. I had a bankruptcy on my file but other credit cards with exceptional repayment history. The only loan they offered me was Exeter Finance in Texas at 28 % interest. Normally I would NEVER take out a loan with this high interest but I was desperate. They should NOT have approved me for a loan at all!!!! XXXX told me I should be able to refinance it in 6 months. So I called Exeter at 6 months and they refused to refianance the loan. There is also an arbitration clause in the agreement that they demanded I sign and I was unaware of what it really meant at the time. They went through the paperwork so quickly I don't even remember signing it! Now it's over a year later and with COVID I've missed about 6 or 7 payments. They put 4 payments at the back of the loan and told me I would still be paying interest on the missed payments so I would owe even more money so it really was no relief. I've told them to come repossess the vehicle but they haven't done it. I even had it parked in a paid garage to keep it from damage!! To date they haven't picked it up. I had to move it because I cold n't afford to keep paying for the covered parking garage for it. They refuse to refinance and refuse to lower the interest rate. This is a {$19000.00} car! I owe {$24000.00} plus on it!!! More than I originally financed! The payment should be no more than {$250.00}!! This is the equivalent of a {$45000.00} car!!! It's predatory!!!!
05/27/2021	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	IL 60619	Web
Exeter Finance sold my debt to XXXX XXXX. I contacted XXXX XXXX and settled the account through another third party XXXX XXXX. When I contacted XXXX XXXX about account updates and the release of the title to the vehicle they told me I had to contact Exeter Finance. When I contacted Exeter Finance they said they had to wait until XXXX XXXX to update their system to change the account to settled. I contacted XXXX XXXX and they said I had to wait two weeks for the update and for them to receive notification for Exeter Finance to release the title to them. Recently, I contacted Exeter Finance to see if they updated the file on the credit report to being reported as settled because they stated they do not remove settled debt from credit reports. Over the past weeks I received non stop phone calls from Exeter Finance because I filed a dispute. The employee even left messages. I called them to back to see the problem and I was never connected to the employee. Today the employee called me today asked me to check my credit report and told me the line was being recorded. Did what she told me to do but I did not feel comfortable. I called Exeter Finance back and they gave me XXXXXXXX XXXX XXXX number. I called again and asked for a supervisor. The supervisor told me that their practices are legal and because I filed a dispute online they have a right to contact me and ask me what is on my credit report. Is this legal. I only requested the account to be updated to settled by Exeter Finance and report it accurately.
01/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60169	Web
As of today XX/XX/2022 I have reached out to Exeter finance. I was reaching out because I have been late on paying my vehicle and I wanted to get out of the loan because it seems as if the loan is not going down and I am experiencing loss due to the pandemic as well as other bills piling up. I had reached out to them to let them know what could I do in the mean time until I sold my car, which I had planned to do the following Monday, so that way I wouldn't be to delinquent. I asked the company if my vehicle had entered into repossession status. They had informed me that it had not. So I said okay Ill be okay for the weekend until I figure out what I am doing. Mind you they have all these calls recorded as I started doing after running my credit to get another loan and finding out they had reported a repossession status after telling me they had not. I have the calls recorded with their knowledge, after I had asked AGAIN if they had in repossession after speaking with the dealer they told me they did not and they never did. I am appalled with how they have handled this matter. I am close to losing my mind. They have reported late payments instead of deferments, they have charged crazy late fees, and they refused to provide me proof of the fact that my vehicle was not in repossession status. I have all recorded phone calls. I would like for Exeter to be done. They are leeches. I have had this loan for more than 3 years and owe more than what I originally financed. It makes absolutely no sense whatsoever.
03/22/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	AZ 85629	Web
In XX/XX/XXXX, I arranged with Exeter Finance to volutarily repossess my vehicle. I signed their form to formalize the repossession process and submitted it to Exeter Finance on XX/XX/XXXX. From that date forward, Exeter representatives called my phone non-stop trying to get me back on my payment plan. I told them I was waiting for their vendor to pick up my vehicle so it could be taken to auction as per their policy. Exeter representatives continued to call me relentlessly until I asked them to remove me from their dialer system until my vehicle had gone through auction. Once I asked them to stop calling my cell phone, they began calling my previous place of employment and have continued calling almost daily or even multiple times per day. They have called third parties not associated with my loan trying to reach me. They have continued with full collection efforts even though they haven't even taken the car to auction to date. They have not acted in any way in good faith to follow their own procedures and are harassing and threatening me with their ongoing, illegitimate collection actions. I have never refused to pay off my loan I am simply waiting for the car to go to auction so they can apply whatever it sells for towards my balance. They continue to charge compounding interest on their already super high interest loan. They apply every payment made in an interest-first manner that never allows the principal amount of the loan to go down. They are predatory and have a collections-first mindset.
12/08/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	IN 46214	Web
On XX/XX/2020 I made my car payment of XXXX to Exeter Finance Corp On XX/XX/2020 they called and told me my car payment was past due and I had a balance of {$5300.00}. I asked why was my payment so high and they told me my loan was at the end of the agreement and that I had to pay the amount in full by XX/XX/XXXX. At the time I was trying to get my home and I knew that I could not afford to have another late payment. I had been doing so well. So I thought I could come up with the money I was running out of time. So I went to my bank XXXX XXXX XXXX XXXX on XX/XX/XXXX and asked about a loan. My banker talked to me about my options and she suggested I refinance. So that is what I did. On XX/XX/2020 XXXX XXXX XXXX XXXX mailed out the check that same day. On XX/XX/2020 Exeter Finance Corp called me and asked about my payment. I let them know that a check was mailed to them by XXXX XXXX XXXX XXXX. She asked me was it the full payment of XXXX and I said yes she said she was putting the notes on my account. On XX/XX/2020 I notice that on my XXXX report my credit score had dropped 40 points and 60 on XXXX. I looked to see that Exeter finance had reported my account as a late. I called Exeter and asked could I speak to a manager and the guy asked what was the issue I told him that I had gotten my car refinanced and my check was submitted on XX/XX/2020 and they still reported my payment late. He told me that his manger wouldnt do anything because they didnt receive my payment until XX/XX/2020.
04/14/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 342XX	Web	Older American
I had a XXXX Nissan Altima financed with them for just over a year with no problem. XX/XX/XXXX. I called to try and get XXXX. payment deferred they said that would be no problem. They took the payment anyway then claimed that the finance department did n't get the paper work on time. I was told that the payment {$310.00}. would be back in my account within 24 to 48 hours. Three days later I was told that I had to send them my account information in order for them send my payment back, which made so ne since to me because I had the automatic withdrawal so they should already have that info. I was also told that it would be 7 to 10 business days for me to get my money back. I was also told that I would have to email the account info. to them. I went to exeterfinance.com like I was told. I did not get Exeter finance, I got an error message saying " the page could not be displayed ''. When I called back again, I was told that I could give my account info over the phone. Every time I called to get this resolved they pushed to date back for getting my money. My electric was shut off because of this. I told them that I was going to get my car refinanced to get it away from them. Which I did, they were notified of this and they took the next payment deliberately. Now they tell me that it will take a month to get that payment back. I have reported this to the F.B.I. on their payments scam website. My next step is to contact The Federal Trade Commission and the XXXX and the XXXX XXXX XXXX.
06/01/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	SC 29607	Web
I purchased a XXXX XXXX XXXX from XXXX XXXX on XX/XX/XXXX, and financed with Exeter - two RISCs were signed, one on XX/XX/XXXX, and the other on XX/XX/XXXX. The dealership lied to me and stated that the optional products that I purchased were required in order for Exeter to finance the loan. I purchased GAP for {$890.00} and an Extended Service Warranty for {$1400.00} [ total : {$2300.00} ]. Also, I submitted a cash down payment of {$1000.00}. Further, the dealership told me to tell Exeter during the confirmation call that I had a vehicle that was used as a trade-in for this deal, a XXXX XXXX XXXX XXXX- the dealership said that they purchased this trade for me through craigslist, in order to use towards the down payment. I informed Exeter about the optional products that the dealership said were required to purchase, and Exeter did nothing about it, they told me to call the dealership and dispute my issue with them ; the dealership said to contact Exeter because they are the ones who funded the loan and required the optional products. Exeter repossessed this vehicle around XXXX of XXXX and sold the vehicle at auction. I asked Exeter to refund me my down payment which was applied towards the optional products multiple times but they refused to do so. After conducting research, I discovered that I am entitled to a full refund of my down payment and car payments since Exeter unscrupulously accepted and financed this loan, they lied and the dealership lied - I want my money back.
08/06/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	NY 136XX	Web	Servicemember
I am XXXX XXXX military, within a provisional state however they are not willing to give me the SCRA benefits. Since I am eligiblefor SCRA. With my tax state being Ohio, I am a provisional state which I qualify for. Attached is my XXXX that show Ohio as my tax state, XXXX Individuals Covered by the SCRA Members of the XXXX, on XXXX XXXX SCRA protections extend to servicemembers ' dependents, which generally include spouses, children, or any other individuals for whom the servicemember provided more than one-half of the individuals ' support for 180 days immediately preceding application for relief under the Act. ( including XXXX ordered to XXXX XXXX ). Ohio extends SCRA benefits for debt incurred WHILE XXXX XXXX. This means that any debt incurred after enlistment is subject to the 6 % interest cap. Below is the reference : 7.1. Interest Rate Cap To help ease financial burdens created by active military service, Section 527 of the SCRA extends the 6 % interest cap on all debts, not just those incurred prior to XXXX XXXX. including debts, not just those incurred prior to XXXX XXXX. creditor must forgive - not defer - interest greater than six percent per year. See 50 U.S.C. {$3900.00} ( a ) ( 2 ). The creditor must forgive this interest retroactively. See id. at XXXX ( a ) ( 1 ) & ( b ) ( 2 ). The creditor is also prohibited from accelerating the payment of principal in response to a properly made request for a six percent interest rate cap. Id. at {$3900.00} ( a ) ( 3 ). ''
11/15/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	NC 27713	Web
my name is XXXX XXXX. I got a car loan from Exeter finance company, then my bank XXXX XXXX XXXX XXXX did a refinace on my XXXX XXXX XXXX. they sent Exeter finance a payoff check on XX/XX/XXXX. Exeter said the payoff check was sent the wrong address so they did not due the refinance, also with that check was the monthly payment for the car for XXXX Exeter cashed that check. we got the right address and sent another check on XX/XX/XXXX for a payoff without even receiving the first payoff check back.so i was told by one of the Exeter employees that the payoff check an another montly payment checks was received but by the mount of the payoff check being so large it took days to process but they processed the small one for the monthly payment. so a few days later i contacted exeter employees to see if the check was cleared and they said yes and that some how i still owe an XXXX dollar balance the XXXX was paid and i was told that everything was good the refinance was good. One week later i got a phone call from exeter saying that i was late on my monthly payment. I told Exeter that it was not possible that i was late due to the refinance i was not with them anymore and they said they didnt have any of that information about a refinance on file. they also said they received a second check. I really need a answer Asap because im also paying my bank for the refinance for two months now. i cant afford to keep paying exeter extra money.for two months they have took extra money from me
03/16/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	FL 338XX	Web
This is my second complaint submitted to this company since they responded but did not respond to what was requested by me, which was to validate with physical information that I was the owner of the account that they published in my credit report. They replied that there was not enough evidence and that the vehicle was replaced at the address where the account was opened. Today I sent you a correspondence via email requesting a very respectful investigation according to the federal guidelines of the fair credit law. I sent them physical evidence that validates that I am not the person responsible for this account since they requested more evidence. I am going to attach to this complaint all the documents that I sent you today where they show that I did not live at this address and even shows a false driver 's license that a person used to open another account that was already disputed and eliminated even more. I sent them a picture of my real driver 's license and sent them the florida website where they can validate which license is real and which is not. This account is doing me a lot of damage and outside says that they could validate that the account is mine but in all the letters they send me do not validate me with any document that shows that the account in mine, I have sent several documents validating that I was a victim of fraud and they are not paying attention to these documents, but today as I mentioned I sent you substantial evidence that proves what I argue.
12/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32209	Web
I am a consumer as defined under 15 USC 1602 ( i ). Upon reviewing my credit report, I noticed EXETER FINANCE LLC furnished the following information to my consumer report and it is invading my right to privacy. EXETER FINANCE LLC-Date Open : XXXX Account number XXXX Amount : {$4800.00} I DO NOT AND DID NOT consent to the furnishing of this information. I am aware that I have the right to privacy of my non-public personal information per 15 U.S. Code 6802 and I am exercising that right and demanding that the furnishing of this information be removed from my consumer report and not be reported by your company to neither CRA 's ( XXXX, XXXX, XXXX ). EXETER FINANCE LLC did not disclose to me my right to opt out of the disclosure of my nonpublic information. I was not given the opportunity to opt out of the disclosure of my nonpublic information and I wasn't given any directions on how to exercise my right to opt out of said disclosure of non-public information per 15 U.S. Code subsection 6802 ( b ) ( a ) ( A ) ( B ) ( C ). EXETER FINANCE LLC violates 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. This is a notice to CEASE and DESIST all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my data by EXETER FINANCE LLC for the account opened on XX/XX/2022 With Prejudice By : XXXX : XXXX All Natural Inalienable rights reserved
01/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AZ 85138	Web
On my credit report XXXX XXXX XXXX pull my credit Twice gave me more inquires so on XXXX saying iam Delinquent and XXXX XXXX , XXXX , ... .Iam unemployed from XXXX in XXXX XXXX Utah XXXXMe my wife fell down got hurt.She fell XXXX XXXX i XXXX XXXX we tried working one light duty but XXXX Ast Manager over work us, and XXXX XXXX says we have to stay working for XXXX to get paid.We could not get better.we are under doctors care.MXXXX wife quit XXXX i quit XXXX turn in uniforms ect.XXXX XXXX of utah refused to pay us any XXXX because we dont work for XXXXThat is Stupid law to keep working for same Company you get hurt at.Walmart employees managers make us work so hard we gone to XXXX and not getting better.Got behind on Mortgage XXXX / XXXX XXXX each one would Not XXXX XXXX Clean so we can get to our property.Sometimes we had to stay in Motel for XXXX due to rainy days muddy.Now we tempory live here in arizona we are broke no money now to get back home.XXXX XXXX we ask them for over XXXX we was in SC and Utah for Inoice 's but they never sent us one.We should of had payment coupon Booklet there interest Rate is so high 26 % and we always paid {$50.00}. more amonth our payment is $ XXXX.we paid $ XXXX.most of the time.Payments due on XXXX of each month plus grace period of 10days.But XXXX credit report had 2inquires.Now we trying to get those off credit and get arangements to get lower payment and get up to 45-90 days get caught up.We always paid on time on all our bills.
10/22/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	MA 01201	Web
On XX/XX/18 I pd monthly payment of {$450.00} @ that time asked how many payments left due to my 6 yr loan was reaching maturity. I was told XX/XX/18 was last payment, but I had rolled over 6 payments to the end of the loan when I had lost my job, so I figured it was 6 more months after XXXX. But I was informed that in XXXX I would owe my last payment of {$450.00} & an additional {$13000.00} for interest accrued for 2 payments that were 60 days past when I was out of work. ( BUT I HAVE MADE A MONTHLY PAYMENT ALWAYS ) I was in shock & stated I could not pay this & new nothing about it. He stated that letters were sent to my online account ( WHICH I DO NOT HAVE ) & they did not need to send me anything in writing. At this time I asked what happens if not paid & was told even though loan had reached maturity they were going to REPO my car in XXXX for the interest owed. They stated that they DID NOT NEED TO SEND REPO PAPERWORK BY MAIL & would just take the car in XXXX. BUT he also stated that EXETER FINANCE CORP out of TEXAS could decide to WAIVE the $ $ $ or LEAVE it what is was & make me pay $ $ it. They make the final choice. I NEED HELP before it gets to the point of them taking my car after I paid if for 6 years & DON'T GET HOW THEY CAN XXXX IT IF THEY CHOOSE OR MAKE YOU PAY SUCH AN OUTRAGEOUS AMOUNT OF MONEY. I have NO DOCUMENTATION due to the fact that they NEVER mail anything to me & I have requested numerous times to have things sent to me & they IGNORE MY REQUEST
08/28/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	GA 30102	Web	Older American
On XX/XX/XXXX I went to XXXX XXXX XXXX XXXX in XXXX, Ga. on XXXX XXXX XXXX to trade in my XXXX XXXX XXXX for a later model of the same. After being there for 6 hours I left signing my contract and didn't know the trade in was not included. Last week my bank took the payment out and I called them and told them I had traded the car. The bank informed me they had no paperwork of the trade. I had sat down with XXXX XXXX, General Manager of XXXX XXXX XXXX and told him the reason I was there. I had made an appointment with him previousely. XXXX XXXX then assigned XXXX XXXX to help me with my trade/sale. She asked about my car and the lienholder, and mileage. I had no idea the car had not been traded until last week. I had been trying to communicate with dealership to see if they can redo the loan and no one is getting back with me. Friday I went to the local precinct because I was told the car wasn't traded but XXXX XXXX said the car was not there. It was on the lot for 30 + days and no one never tried to call and tell me that the car was not traded. I was asking for my loan to be modified to include the trade. I am on social security and a part time job and I can not afford 2 car payments. I should have never got approved for a second car with my debt to income ratio without one being traded. I was negligent in not realizing my trade was not included in this loan, the dealership is also negligent by pushing through a loan my income surely indicates I can not afford 2 loans.
09/10/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AZ 85340	Web
I was recently in a car accident and my car was totaled out. The insurance company paid Exeter Financial approximately {$6200.00} and because I do not have gap insurance I still owe approximately {$5500.00}. I immediately called Exeter Financial to see what they could do to work with me being that I no longer have the car. XXXX of the representatives said that I must still pay {$390.00} per month or I will be charged for interest and late fees. I said I did not know what I could do and was contemplating bankruptcy. Before I know it I am receiving collection calls for my car payment due XXXX/XXXX/2015 even though they just received a check from my insurance. Exeter Financial has a good contact number for me and knows my place of employment. After being only 4 days late representatives started calling my relatives. A lady named XXXX called my ex husband and said I told her to call him. I never gave permission to call my ex husband or any of my relatives especially being they have more then XXXX good contact number for me. I immediately called Exeter Financial and spoke with a supervisor who said she would look into the call. However, XXXX will not stop calling me and my relatives. The last time she called I said I do n't want anymore calls to my cell phone and XXXX Stated " the collection calls will continue ''. I want these representatives to stop calling my relatives and my cell phone over and over again. They will not work with me at all and now I am being harassed.
12/21/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	LA 701XX	Web
I financed my XXXX XXXX XXXX with Exeter in XX/XX/XXXX when I bought the vehicle. My car was totaled in a hit & run, Monday XXXX. I immediately started my insurance claim process, and it is required that I send a Full payment history from my finance company ( Exeter Finance ) to finish filing my claim. I have called Exeter over 5 times, and spoke with 5 different representatives to have my document both emailed and faxed to me, multiple times. I never received the document. I have been emailing and calling them for over two weeks now and still do not have the document I requested. I am now still waiting to finish filing my claim and it is causing me major problems while I am without a car. Exeter is starting to make me think they are purposely prolonging sending me my document to keep getting money from me! I find it hard to believe they would do this but I am extremely frustrated that the payment history STILL has NOT been sent. I need them to email me back! I have sent over 10 emails with no response and phone calls are not seeming to work either as NOBODY IS SENDING ME WHAT I NEED. I've also asked Exeter for a status update on the {$2000.00} refund sent to them from my car dealership to go towards the balance of my loan. The refund has not been applied to my account yet, I am still waiting on my PDF so I can file my claim, and Exeter WILL NOT respond back to me. I NEED HELP GETTING THEM TO SEND ME MY DOCUMENT PLEASE. I AM VERY CONCERNED WITH THIS SITUATION.
02/19/2016	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	VA 22408	Web
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX Exeter finance corp on my XXXX REPORT This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus XXXX, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Exeter finance Corp XXXX XXXX, XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. Sincerely, XXXX XXXX XXXX
06/08/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	WI 544XX	Web
I got auto financing through XXXX XXXX ( XXXX XXXX ) with Exeter Finance. These are BOTH dishonest, unfair companies to go through. I put $ XXXX down on a XXXX XXXX XXXX in XXXX of XXXX. The amount that was financed was $ XXXX and some odd dollars. TODAY, a whole year later, the amount of my payoff quote is, get this : $ XXXX! I am now a single mom, who lost her job to COVID-19, and Im struggling to keep up with my bills. I contacted Exeter Finance to try to work things out as soon as I learned that I wasnt going to be allowed to come back to work just yet. The representative I spoke to said that they would put 2 months of payments on the back of the loan and that would help with or take care of some of the interest fees. This was told to me in XXXX of XXXX. TODAY, Monday XX/XX/XXXX, I called Exeter Finance again to see how come my loan payoff is MORE than what was financed. I got the run around and had to pull teeth to get a direct answer for one and for two, I was told that ALL of my last payment got applied to the interest ONLY and NOTHING went to the principle! I wonder HOW MANY TIMES have they done THIS ; quite often Im sure because theres NO WAY that my payoff amount should be MORE than what I had financed, this is highway robbery, and now, during a global pandemic, is the WRONG time to be pulling this mess! This company lied to me, didnt inform me on how my payments would be applied, and refuses to do ANYTHING to make this right for me, the consumer.
10/05/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	AR 727XX	Web
I bought a used XXXX XXXX XXXX XXXX about a year ago in XXXXXXXX XXXX XXXX. I had originally signed up for {$690.00} a month, which is pretty high, but I planned on trading in in on a ton later. The first few payments I paid with auto draft. As soon as XXXXXXXX XXXX payment was due, they claimed it didn't go through, and I paid over the phone. Two days later, it went through. So two payments for XXXX. They refused to apply the extra payment to principal. This has been a reoccurring issue every month, and almost every payment gets returned by them to inoculate more fees, im assuming. So i call and pay over the phone to avoid late payments. Then they automatically take out another payment a few days later. When I called about the returned payments, they said its my financial institution. My bank says its on their end. I have changed banks, same issues. Now my payments are double, a little over {$1400.00} a month. XXXX XXXX after paying, I get a late fee applied. Every time I call to rectify the situation, their customer representatives essentially blow me off. If I pay the {$690.00} as stated in my original contract, I get a late payment applied to my account and dings my credit. Exeter Finance has absolutely destroyed my credit by doing so. Upon further investigation, the dates I paid are incorrect on my account, as well as the total amount using the interest rate I signed up for. This is the definition of a predatory loan that uses usury loan practices.
08/04/2023	Yes	Vehicle loan or lease Lease	Getting a loan or lease Fraudulent loan	TN 37388	Web
I I'm being charged 19.95 % APR on my XXXX that I use mainly to take my XXXX XXXX to therapy and be able to fit all my others kids as well. I wasn't aware it was that high when I signed the contract. I should've been more persistent in asking questions but I was being pushed and almost harassed to take the loan. I can't even refinance the loan bc after almost a yr, I still haven't touched the principal balance making XXXX XXXX/month payments. They are also harassing my family members every time there is any lapse in my payments. I stopped paying the past couple months and XXXX from the consumer finance protection bureau and she advised me to reach out to Exeter to make them aware i was filing a complaint and to let to let them make it right and change the interest rate. I talked to XXXX on XX/XX/XXXX from the finance company and was told since I signed it there was nothing I could do other than find another loan agency and refinance to get a new interest rate but I'm unable to be approved due to the marks on my credit since they reported the late payments. I was also told it would be deferred until XXXX and that she was submitting a claim on my behalf also but I started receiving calls again the past few days. I talked to XXXX yesterday XX/XX/XXXX and was told the deferment was only 2 months and covered my late payments but only paid part of the interest that accrues daily on top of the illegal rate of 19.95 %. I don't know what to do at this point.
01/26/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	IA 50317	Web
The company? its you, you do all the reporting correct on credit reports well its you that made the mistakes I do not think its fair that i raised XXXX daughters by myself and i am still working 45 60 hours a week and for the first time i might stand a chance at XXXX buying my first home its a dream i have had for years. so i finally started to look at what is important and its my credit score and i want to fullfill this dream. Whenever i was late or couldn ; t pay something you make sure you waisted no time putting it on my credit report but gee when i finally work hard and do something good you do n't put that on there why is that not fair at all. exter finance says i still owe XXXX on all my reports it is paid i owe nothing XXXX XXXX credit card states i owe XXXX wrong its paid owe XXXX XXXX XXXX i owe nothing XXXX states i own XXXX wrong i owe XXXX so my credit used is not XXXX percent adn my available credit is not XXXX its higher new accounts is lpi personal unsecured loan XXXX no late payments XXXX XXXX paid XXXX XXXX XXXX pd XXXX XXXX XXXX pd XXXX still there and aes still there all those inquireies XXXX XXXX XXXX XXXX XXXX XXXX i didnt do those i am trying to build my credit to get my own house not ruin it i did not do those i work with XXXX XXXX are they real or am i throwing my money away? please update asap i am waiting on you to have my dream. please its most important day for me to see my score go up and to get a house ... please
04/09/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	WA 98125	Web
I bought this car in 2018 XXXX, first the dealership sold me the car charged me higher than the market rate of the car as I was the first tine buyer. Then the interest rate was given was 28 % because my credit score was low and I told them I want to use the car for XXXX/XXXX. The dealership did not give a choice on choosing the car either and took advantage of my situation, when I said that the interest rate is very high then they told me that you can refinance the car after Paying 8 to 12 installments. Which was a lie because the finance company they hooked me with refuse to refinance the car after I made 13 payments. Now due to coronavirus I am unable to work and asked for a gold on my auto loan which is not taken into consideration. I tried to refinance the car with other banks and credit unions but they refuse to finance this car as it is e most basic car has no options and the value of the car is only XXXX $ where they sold me this car for XXXX $ plus XXXX $ interest for 72 months. After paying 13 installments of XXXX $ and down payment of XXXX XXXX I still owe the finance company XXXX XXXX And on the other hand this has not even helped me with my work with XXXX/XXXX as this cars fuel consumption is very high. While I was trying to get the car refinanced I have learned that the dealership has scammed me on the price of the car, the interest and also in rebate. I am stuck with this car and not getting any help from any bank or credit union.
12/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	GA 30253	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Exeter Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To XXXX XXXX : Im writing to you because I noticed that my most recent credit report contains a late payment reported on XX/XX/XXXX for my Auto Loan account. I want you to know that I understand, and have great respect for my financial obligations. Unfortunately, at the time of the incident mentioned above, I had lost my job due to being XXXX XXXX XXXX resulting in my husband having to take a leave of absence from his own job to take care of our XXXX children while I was XXXX in the XXXX XXXX XXXX XXXX weeks. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. In the near future, I am planning on applying for a mortgage, and it has come to my attention that the missed payment on my credit reports could hurt my ability to qualify. In my XXXX, I know that the missed payment doesnt reflect my creditworthiness and commitment to repaying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the late payment on XX/XX/XXXX from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it! I exchange, I am willing to sign up for auto pay so that there is less of a chance of ever being late again! Thank you for your consideration. Have a blessed day! XXXX XXXX XXXX XXXX
01/11/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	LA 70802	Web	Servicemember
It was brought to my attention of another car dealership that my loan with Exeter finance seemed a little off. I had this car for XXXX years bought XXXX 2020, Ive already XXXX the car off BUT only in interest so I still owe almost the entire balance until I split my payments in XXXX. I reached out to customer service to see if the application I put in was what they received so I asked for my application and they said they dont keep that on file or keep track of it. Meaning everything they needed for my loan just doesnt exist. My income, my down payment, nothing but my name, address, phone number and birthday is all they keep track of. For a company based on car loans you would think they would keep track of anything that is actually needed to approve loan applications. This loan is so high and if I had known this company was this shady I wouldve never signed the paperwork and went to someone else. This company already has lawsuits with other people. I was also told that after my first extension, I had to make XXXX full successful payments before I could request another. There was also a call with a customer service rep that was like just make a payment to stay on top of it even when I already expressed that I am struggling financially to XXXX XXXX I have to choose between paying a full car note or feeding myself for the next XXXX weeks of my paycheck. So they only care about making sure we pay our payments, not even caring about us as people.
09/13/2017	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	GA 31312	Web	Servicemember
On XXXX XXXX I brought a XXXX XXXX I was told I was eligible to receive a managers special because I am a 100 % XXXX vet that I would only have to pay 1052 monthly payment on a XXXX car. My finance company is XXXX financial. I paid my loan every month on time and realized 9 months into paying my loan that the balance did not drop but increased! I called and they told me that my interest rate was 23 % a day which basically means that if I pay my bill on the XXXX instead of the XXXX that none of my payments going on my loan but all is going on interest. That means I will never pay for my car and my balance is growing and not decreasing. I feel that I have been taken advantage of and not only am I XXXX but I fought for my country only to let dishonest companies take my only income that I have to got to waste and I could end up owning on this truck for the rest of my life. Companies should not be allowed to do anyone this way I have XXXX children and a wife to support and have paid XXXX dollars on a vehicle which balance has gone up instead of going down. I ca n't afford to just give away money I have had XXXX open back surgeries and ca n't work because of it and I demand to be treated fair. I did not fight for my country just to let dishonest companies take all they can and I will be out of thousands to the point that I cant ever own my vehicle. The statements do n't show where my money is going just a higher balance than I originally signed for
12/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WI 53546	Web
I am initiating another complaint in the reporting errors by Exeter Finance, I have looked at my most recent XXXX credit report and there are still multiple violations that violate the FCRA. Per the last complaint XXXX this account was to be labeled closed as of XX/XX/XXXX with updated information within 45 days. As of my last report on XX/XX/XXXX my XXXX report is showing a 90-day late payment for XX/XX/XXXX and my XXXX report is showing a 90-day late payment for XX/XX/XXXX. This is a closed account and still being reported as late. My XXXX score dropped XXXX points and shows my most recent late payment as being XX/XX/XXXX from Exeter finance. A letter was sent certified mail on XX/XX/XXXX stating that if this account and the multiple reporting errors that are on it is not deleted from the credit bureaus in 30 days that a lawsuit letter which already has been drafted would be sent out. I have yet to receive any kind of response from Exeter. Per the last complaint you admitted to reporting errors and stated they would be fixed which they haven't. I am being taken advantage of and being used as an example by you thinking that you have authority to do and report whatever you feel like no matter if it's wrong or not. I have included screen shots from my most recent report showing your late payment reporting errors as you stated this would be closed as of XX/XX/XXXX. There can not legally be any negative information reporting after that date.
03/25/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 30318	Web
I requested for a due date change on a car loan I secured from Exeter Finance Corporation immediately after I secured the loan ( XX/XX/2015 ) because I get paid at end of each month. I was told to do so after I make a complete payment. After I made a first complete payment, they told me I have to wait again till I get my account caught up because the second time, I had requested too close to my due date ( of XXXX of the month ). On XX/XX/XXXX I requested again immediately after I made my payment as was advised to do. They said they will contact me once it 's approved. No one called so I called again around XXXX XXXX. and they told me it was approved on XXXX XXXX. thus changing my due date to end of each month, and I should just wait till the responsible department updates the system. I waited, waited and now almost XX/XX/XXXX I keep getting more calls saying my payment is past due and I owe an extra $ XXXX/more in fees. This does not seem like missing to call me or coincidence. It seems like a well coordinated deceitful practice to fleece the customer. I 've been requesting for a due date change on a newly acquired loan for months and when they finally approved it on XXXX XXXX they still trying to come up with something else to steal from me. This is unacceptable and fraudulent. I have sent a letter through their website, called XXXX which is supposed to be their corporate headquarters but it 's never answered though I left a message.
01/29/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	NY 122XX	Web	Servicemember
I purchased a used XXXX XXXX XXXX in XX/XX/XXXX from XXXX in XXXX New York. I originally was approved through a bank called XXXXXXXX XXXX had an APR of 14 % a week later I received a call because I was self-employed. They denied my loan I was then approved from a bank called Exeter finance. My APR was 23.8 % 75 payments at {$740.00} per month. At the time of the purchase, I had to return a lease vehicle that I had due to a bankruptcy, and I was also dealing with the death of my daughter and losing my job. For work I did farmers markets I needed a vehicle. It is now one year later, and I decided to go to my bank to refinance the vehicle and a lower APR and fewer payments. It was at this time I realized I am being charged way too much for the vehicle. My vehicles current value is only XXXX I called Exeter for my payout amount and they told me I owe XXXX on the vehicle. However I purchased the vehicle for XXXX. My XXXX XXXX value brand new is only XXXX. I asked the woman to explain. How do I owe more than what I purchased a vehicle for I also asked her why am I paying double for a vehicle that is only worth XXXX. I asked her who I speak to to lower the APR, and she informed me after speaking to her manager because its fixed it can not be lowered. It was at this time I realized I might be a victim of predatory lending. My bank informed me that they will not refinance for more than the car is worth hence I am making this complaint.
04/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30340	Web
Exeter Finance is reporting an unauthorized credit inquiry on my XXXX Credit file dated XX/XX/XXXX. I reached out to the company via email to dispute and received an email from them stating the following : Customer Service XX/XX/XXXX, XXXX XXXX ( 1 hour ago ) to me Thank you for contacting Exeter Finance LLC. The contents of your message and/or documents ( s ) have been received. To safeguard your personal information, we will not be able to reply to your questions or concerns, using this email address. For further assistance please visit us at : https : XXXX XXXX is a secure online portal that gives you 24/7 access to your Exeter account. Using a computer, tablet or mobile device, you can login anytime and make payments, set up email, securely email Customer Service, and more. Dont have a login? Register today. Through My Message Center, you will be able to send us a secure message with your questions and we will respond within 48 business hours. This feature offers the most secure channel for communication between you and Exeter Finance Corp . Or you can reach us by telephone at XXXX XXXX XXXX XXXX. Representatives are available Monday Thursday from 7 a.m. to 8 p.m., Friday from 7 a.m. to 7 p.m. and Saturday from 8 a.m. to 1 p.m. Central Time. We look forward to hearing from you! Sincerely, Customer Service Exeter Finance LLC. I don't have an account with these people and didn't authorize them to run my credit
05/30/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	FL XXXXX	Web	Servicemember
Thursday, XX/XX/2021, I, XXXX XXXX received mail from Exeter Finance stating that I owed {$550.00} and if I didn't remit payment to them that they would repossess my vehicle. According to 15 USC 1692b ( 2 ), there is no debt collector that has the right to state that a consumer owes any debt. According to 15 USC 1692e ( 4 ), 15 USC 1692e ( 5 ) and 15 USC 1692f ( 6A ), no debt collector has the right to threaten to take any legal action against a consumer and has no rights to seize any property. Exeter Finance is also in violation of 15 USC 1692e ( 2A ) for false, deceptive and misleading information. In 31 USC 3123, the U.S. Government. is pledged to pay, in legal tender, principal and interest on the obligation of the Government. The Articles of Confederation in Article 12 states that : " All bills of credit emitted, monies borrowed, and debts contracted by, or under the authority of Congress, before the assembling of the United States, in pursuance of the present confederation, shall be deemed as considered a charge against the United States, for payment and satisfaction whereof the said United States, and the public faith are hereby solemnly pledged. '' I have also been harrassed and abused by Exeter Finance stating that they would report any information to my credit report and seize my property which would ruin my reputation, due to our consumer reports being looked at as our reputation according to 15 USC 1681.
06/17/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	MO 64151	Web
I bought my XXXX XXXX XXXX XXXX from Carmax in the year XXXX. I was told that I was going to pay something to the tune of {$30000.00} for the vehicle. Upon further investigation I was made aware that I was charged, almost double that price and interest. They also added the cost of registration into my loan which was with XXXX XXXX. They also repossessed my vehicle in XX/XX/XXXX of XXXX after the payment was only 15 days late XXXX XXXX Carmax have since then managed to fraudulently sell and resell my loan back-and-forth. Please see Carmax attachment below where they clearly altered the back of the title To show it with no listed lien holder. My original title lists XXXX. They whited this out, and tried to make me sign. I refused. I have called them at least 25 times and gotten no resolve or no information in regards to this matter right now as far as it stands, there is no lien on my vehicle but Im not able to get a title they tried to lie to me and tell me that the car was up for repossession, but I know that thats not possible as I have had it for a long time, and when I called them, they didnt even know what to do with it. They have altered documents, added WAY too much on the back end of the deal, illegally repossessed my truck and refused to return my calls or refused to do anything at all the correct the error of their crooked theft. I want them to pay for the damage they have caused me and all the others.
02/07/2019	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	GA 30815	Web
This was a joint account. That judge ordered me to surrender the vehicle to my ex wife and have nothing else to do with it. Ordered her to refinance and hold me harmless of debt. I have notified Exeter financial of this and despite it they still come after me for the debt. Using unfair tactics such as reporting false dates of account closure or not reporting a date at all. The account was closed on XX/XX/XXXX and on my co applicant report is shows correct date. On my report is shows XXXX of XXXX they are reporting XXXX balance and I have logged into my account and balance there is XXXX. On my XXXX report it is not showing a closing date and also shows first date of serious delinquency XX/XX/XXXX. This is causing my report to reflect 90 days late 25times. I have disputed the information with all 3 bureaus but Exeter continues to certify that there information is accurate. They also make a point to change payment status on different dates or add or remove comments on the account at least once a month. These are all unfair and harassing tactics that they are focusing on me when I was ordered by a judge to surrender vehicle and have nothing further to do with the car my ex wife or any financial accounts that were tied to her. With a restraining order in place I didnt dare go against him and as a result she surrendered the vehicle without my knowledge and then Im stuck with the debt and the harassment from Exeter.
02/07/2020	Yes	Vehicle loan or lease Lease	Getting a loan or lease Fraudulent loan	TN 37122	Web
In 2015 I went to purchase a vehicle at XXXX. At the time I was XXXX and didn't qualify for any leasing companies except one. Exeter finance financed me at XXXX dollars a month as a XXXX XXXX XXXX with a minimum wage job. Although I am grateful that they allowed me to obtain a vehicle, 5 years later I am still paying XXXX a month and have nearly payed 4 times for what the vehicle is worth because my APR is 18.75 % +. the state max is 16! Of course i didn't know that this was Usery at the time. This has put me in financial danger ever since. I have XXXX children and the fact that a company can make a lease on a vehicle 4 times what the vehicle is worth is beside me. This company preys off of those who don't have the credit to purchase a vehicle them self so they step in jack up the price and and throw in a extreme APR. Im assuming nothing will get done about this so therefore I would at least pass on this information. Exeter finance has been caught price gauging and has already paid out XXXX XXXX for the same reason! STATE LAW OF TN Legal Maximum Rate of Interest 10 % ( XXXX ) Penalty for Usury ( Unlawful Interest Rate ) Contract unenforceable ; if found unconscionable, lender must refund charges, fees, and commission fees and successful plaintiff may recover reasonable attorneys fees ( XXXX ) ; willful collection is a Class A misdemeanor ( XXXX ) Interest Rates on Judgments 10 % or at contract rate ( XXXX )
09/26/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	UT 84604	Web
We were looking at our XXXX credit report on XX/XX/26 when we noticed an Exeter Finance account that we have no recollection of signing up for, apparently back in XXXX. Exeter Finance has been incorrectly stating that we owe them money on an " auto loan '' account, which was apparently repossessed. However, Exeter Finance never gave us any money to actually purchase a vehicle, they never sent us a check to go purchase a vehicle, and they never deposited any money into our bank account to purchase a vehicle. Since no auto loan transaction ever took place between Exeter finance and me, this account can not be valid in any way, shape, or form. However, when we tried disputing it on XXXX, they incorrectly validated this account as being legitimate, despite having no contract stating that this was an auto loan. No contract, no bank statements, no payment information, and when we tried to contact the company they immediately hung up on us after giving our information. This XXXX Auto lender has falsely accused of owing them money and tanking our credit score along with it. We do not take this lightly, and we have demanded confirmation of this debt to which Exeter Finance has given us no reprieve. We even tried suing them in small claims court, in which they did not show up. This repossession is invalid, illegitimate, and will be taken off our credit report due to the other lack of confirmation of this debt.
04/17/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	GA 30093	Web
NOTICE OF ARBITRATION There are some errors on my credit report after I've studied it thoroughly ; I've asked for those errors to be looked into ( CFPB XXXX ). Inconsistency can be found in the payment history for XXXX, XXXX, and XXXX, yet you finished the investigation by saying the account was validated. I've now suffered money loss, mental anguish, and shame as a result of this. In addition to that, I also reviewed the contract, and the financial change does not reflect as the sum of all charges, the insurance premium was not included in the finance charge, thus in violation of 15 USC 1605 ( c ). Since I am unable to pay the arbitration fee, I have decided to initiate arbitration with the XXXX and, in accordance with the XXXX arbitration agreement, I am asking Exeter Finance LLC to advance the arbitration costs on my behalf. If it is feasible, I would prefer to resolve this issue without going through arbitration, but only if the account is recorded as fully paid and I receive restitution of {$5000.00} to cover the actual harm that the inaccurate and incomplete reporting caused me over the course of a few months. I want to give you 14 days to fix this problem. Upon receipt of this initial communication, I will keep note of all correspondence, or lack thereof, made by mail, telecommunication, and otherwise method of communication. This communication requires a response within the allotted threshold.
04/20/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CA 94124	Web
I submitted a CFPB complaint about this issue ( complaint XXXX ) to which the company responded and the CFPB allowed to be closed. On XX/XX/XXXX I sent, and EXETER FINANCE received, an Affidavit of Truth, Debt Validation Letter pursuant to 15 USC 1692g, a Cease and Desist Letter and Exhibits displaying only a few of their violations. EXETER FINANCE failed to provide a wet ink contract and an Audit Trail according to GAAP standards that I requested. EXETER FINANCE violated the Cease and Desist letter by calling my telephone and leaving messages : XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX at XXXX ( XXXX XXXX XXXX, and sent postcards, and mail with consumer rights violations to my personal address. They continue to furnish deceptive documents, report false information to credit reporting agencies and use my personal information unauthorizedly. I filed an Identity Theft Report to the FTC # XXXX. I humbly ask that the CFPB help me to enforce against this company for its blatant disregard for federal law and outright breaking of the law. I have attached proof of their receipt and proof of their breaking federal laws, and breaking the Cease and Desist. This company is causing me a great deal of stress mental anguish, through their deception, theft and failure to remedy this issue. This situation is costing me valuable time, money and affecting both my children and I greatly. Please help. Thank you.
10/15/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30338	Web
My identity was stolen in XXXX and I am still attempting to get certain incorrect information removed from my report that resulted from the fraudulent activity. I first filed a police report regarding a fraudulent Exeter account in XXXX but the account has remainined on my report thus far. I learned that the account could also be disputed with the bureaus as well. I began disputing with XXXX and XXXX in XXXX of this year, and I have sent monthly dispute letters via certified mail. I have also reached out to Exeter directly multiple times in order to point out that this account was opened by someone who had stolen my information. My first letter to Exeter was sent on XX/XX/XXXX via certified mail ( XXXX ). When this letter went unanswered I sent a follow-up estoppel by silence letter on XX/XX/XXXX. I received a response from Exeter where they requested some information from me such as my SSN, picture of ID, and FTC affidavit which I was more than happy to supply. I faxed them over the requested documents on XX/XX/XXXX. Despite the police report and FTC affidavit I supplied, Exeter has NOT removed the fraudulent account, nor have they provided me with any explanation on why they could not remove the information. I am simply trying to fix the errors on my report and move on with my life. It is a FCRA and FDCPA violation to continually report this disputed account which resulted from Identity theft.
09/26/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94124	Web
XXXX XXXX XXXX CEO of EXETER FINANCE CORPORATION filed a California Secretary of State CERTIFICATE OF SURRENDER ( XXXX ) XX/XX/XXXX ; signed by corporate officer XXXX XXXX. The date XXXX XXXX XXXX CEO of EXETER FINANCE CORP. fraudulently assigned themselves to this null and void contract was XX/XX/XXXX according the consumer reports gathered from XXXX, XXXX and XXXX that violates a cease and desist ( continued reporting is communication and a violation of cease and desist that they fully accepted, acknowledged and is binding ). XXXX XXXX XXXX CEO of EXETER FINANCE CORP. surrendered their rights and authority to transact interstate business in the state of California. XXXX XXXX XXXX CEO of EXETER FINANCE CORP. revoked their designation of agent for service of process in California. XXXX XXXX XXXX CEO of EXETER FINANCE CORP. is attempting to force me to collude with their illegal business activities. XXXX XXXX XXXX CEO of EXETER FINANCE CORP. is using abusive debt collection practices and is causing me injury. After doing a UCC 11 Search with the Secretary of State of California, no liens or legal debts exist for XXXX XXXX XXXX XXXX XXXX XXXX XXXX CEO of EXETER FINANCE CORP. pursuant to 15 U.S.C . 1635 this is an official document to exercise my right of rescission, Nunc Pro Tunc for any contract, transaction, information, and my signatures associated with this account. Thank you and XXXX Bless.
06/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30038	Web
My car was stolen in XXXX of XXXX and was deemed total lost by XXXX who then paid off majority of the balanced owed on the account my Gap insurance company then reached out to Exeter on multiple occasions requesting them to send the documents needed ( payment history, contract ) in order for them to send the final payment to pay off the loan. Exeter employees repeatedly failed to send the information requested resulting in an extension of the account not being paid off. Exeter has since marked 1 late payment on my report for the month of XX/XX/XXXX. Upon finding this out I disputed the late payment directly through the credit bureau XX/XX/XXXX and they then came back and mark TWO late payments on for XXXX and XX/XX/XXXX. As of XX/XX/XXXX XXXX sent Exeter {$13000.00} which would have covered any pass due balances. Had Exeter employees sent my gap insurance company the information they requested on XX/XX/XXXX this account would have too been fufilled in FULL. Due to the negligence of Exeter 's employees I am being held at fault when I was promised no late payments would be reported to my account. I hav esince called Exeter multiple time requesting they do the right thing and update the account in which they fail to do so. The late payments for XXXX and XX/XX/XXXX need to be removed as the account was satisfied in full and there would have been no late payments had Exeter done there job.
03/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	CA 94806	Web
I am writing to dispute the accuracy of a charge off account that is currently being reported on my credit file. The account in question is listed with three different last active dates to XXXX, XXXX, and XXXX, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). As per the FCRA, credit reporting agencies are required to maintain accurate and up-to-date information on consumers ' credit reports. The multiple last active dates for the same account indicate that my credit file is being inaccurately reported and I demand that this be removed from credit file immediately. I request that the charge off account be deleted from my credit file, as it is in violation of the FCRA. I have attached supporting documentation to this letter which proves the inaccuracies of the information being reported. Please take immediate action to correct this issue and notify me of the outcome in writing within 30 days. If you are unable to correct this information, I reserve the right to take legal action, I submitted this dispute to the three major credit bureaus, and they did not correct it, or take it off of my credit file, which is also a violation of the Fair Credit Reporting Act ( FCRA ). Please have them remove this from my credit report immediately. Thank you for your prompt attention to this matter. The account is question is Exeter Finance LLC and the account number is XXXX
03/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30253	Web
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX was reported late payments of XXXX XXXX monthly payment each month. Exeter finance doesn't have a specific reporting day. They say they do and they don't, some months they report every month and some months they report every 3 months which causes incorrect reporting on my report stating my payments to become late and I'm not. This has been an ongoing issue with them and I feel this is unlawful, discrimination and against my consumer right. I have reached out numerous of time to the head quarters, the call center, the CEO and i have yet to hear anything or changes to the account to be updated to current and at this point I will file a suit. I am just getting back to good health and this has been a strain on me. As a dedicated customer for almost 4 years, I thought I would get better treatment than this. I am demanding, under the provisions of the FCRA, 15 USC section 1681i, that they remove immediately as it is deemed, unfair, illegal and a violation of my consumer rights according to 15 U.S code 1666b. As it states, a creditor or any agency must not treat any payment on a consumers credit file as late for any purpose. If so, it must be immediately and permanently removed from file or a complaint or lawsuit will be filed for discrimination against my decent, violating my consumer rights deemed by law and the reporting of inaccurate information.
02/24/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	OH 43227	Web
Recently I reviewed on of my credit reports and notice there were some inaccurate, outdated, and fraudulent information that will need to be removed. I am a victim of identity theft, I REPORTED THIS IN 2016 and several of the items on my credit report is not mine. I have also notice that one items have been illegally re-aged. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. The Fair Debt Collection Act/ ( O.R.C. 2305.07 ) and ( O.R.C. 1303.16 ( B ) Ohio Debt Collection Statutes of Limitation. I am requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : Here are the inaccurate accounts : Exeter Finance, LLC. # XXXX ( ACCOUNT WAS CHARGED OFF AND NOW HAVE BEEN ILLEGALY RE-AGED ), XX/XX/XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, # XXXX ), XXXX XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX ), XXXX XXXX XXXX ( # XXXX, # XXXX ) XX/XX/XXXX # XXXX, XXXX. XX/XX/XXXX XXXX # XXXX,XX/XX/XXXX # XXXX, XXXX XXXXXX/XX/XXXX # XXXX.
10/12/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	FL 333XX	Web
I have an auto loan with Exeter finance. Ive had this loan for almost 6 years. I am supposed to have two remaining payments in the amount of {$380.00}. I received a letter from them stating that there is an extra almost {$1500.00} worth of interest applied to my loan because they put two loan payments on the end of my loan five years ago. No one ever told me that they were going to be assessing an extra {$1500.00} worth of interest, and then they send me a letter threatening to report me to the credit bureau if I dont have that extra {$1500.00} paid off by the end of my loan on XX/XX/XXXX. This loan has been current for five years or so. I attempted to call them and speak to them about it, theyre trying to tell me that what theyre doing is OK and that I have to pay it and if I dont pay it then theyre going to repo my car and report me to the credit bureau. I have made 70 payments on this car, Im supposed to have two remaining payments, I signed a contract for 72 payments, and now they want me to come up with an extra {$1500.00} in a month. I asked them to produce proof that someone even spoke to me about this or I signed something saying that theyre going to assess an extra {$1500.00} and the woman told me because Im in Florida that they dont have to do that. I dont understand how a business can be deceptive and then take something from me that I have paid for for six years.
09/15/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	MD 20708	Web
I was caught vulnerable at a time of need. I recently just loss my car to a hit in run. In I was in a desperate need of a vehicle. I went to a local car dealership by the name XXXX motors. Which promotes we can put you in a car no matter the down payment or credit. I was deny by every loan possible. I grew weary and tired of the process. So they stop me before I could leave and said a financial company by the name Exeter financial corp was willing to put me in a car. I thought they had to be kidding me. I spent hours and now somebody wants to finance me? In they was trying to put me in a XXXX? But there was a catch I had to put down XXXX dollars and it would be a 20.95 % interest with payments of XXXX a month. I felt like I could afford XXXX without paying attention to the interest I needed a car for transportation back and forth to work. So to conclude everything the car had water pump issue and a recall. Which lucky the car still held it 's warranty and all was covered. But as time went on I only wanted the car to be an temporary car. In as I start to look into the financial aspect of the loan. I notice I was up side down. The loan held more value than the car and I was in a six year loan plus out XXXX a month only about a XXXX dollars was going to the car. I was XXXX! I 've been looking for a solution every which way to get out this loan that I was charm in to accepting.
09/01/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	GA XXXXX	Web
Dear Exeter Finance and XXXX XXXX, I was given false and deceptive information. ( Violation of 1692e ) -False or misleading representations, 15 U.S.C . 1692e as I was told that a down payment of {$1200.00} was needed to drive off the lot. This was for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ( SILVER NOT BLACK ) I really dont appreciate you pocketing my hard-earned money. The price of the car and all associated fees should have been totally covered within ONE TOTAL finance charge. The car was actually paid for in full, before the security interest was transferred to EXETER FINANCE , LLC. Please send me the True Bill of Sale along with all disclosure statements according to GAAP regulations ( GENERAL ACCEPTED ACCOUNTING PRINCIPLES ) regarding this credit transaction ( DEAL # XXXX ) for my personal records. Pursuant to 15 U.S.C.1605 a finance charge is THE SUM of all charges ; therefore, I should have never been charged any additional fess outside of this. Down Payment Reimbursement shall be made by check payable and expedited to : XXXX XXXX XXXX XXXX XXXX XXXX, GEORGIA XXXX I am keeping a close record of my communication regarding my refund and if I must seek legal counsel, I will sue for the maximum amount allowed by law. Thank you for your time and attention to this matter, Respectfully, XXXX : XXXX BENEFICIARY Without Prejudice, All Natural Inalienable Rights Reserved.
04/25/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	ID 836XX	Web
Upon receiving XXXX credit denial letters from Exeter, I was concerned since I had not applied for credit and I checked my credit monitoring service to find I had an inquiry with this company which was labeled for " auto loan ''. I did not ask for an auto loan or give this company authorization to pull and check my consumer credit report either time. I found that someone had used my personal information on the internet to apply for loans online. Upon notifying this company in writing with a certified letter which was received by their company on X/XX/2017 . They responded to my letter stating that they received an electronic application from XXXX XXXX and XXXX XXXX XXXX XXXX , and despite me not applying for credit with this company, and Exeter not providing any evidence or documentation that I did in fact provide an authorization to have my consumer report pulled they are refusing to remove the inquiries dated XXXX XXXX and XXXX XXXX XXXX . I have sent a second letter and demand in hopes they will honor the rights and protections afforded to the public under the Fair Credit Reporting Act as well as the Federal Laws . I have asked that this unauthorized inquiry be removed immediately. I have not authorized this company or any third party to pull, view or use my credit consumer report, therefore it was obtained without permissible purpose.
10/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 322XX	Web
Delete Late payments from Exeter Finance from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards XXXX XXXX
05/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77033	Web
After checking my most recent consumer report I noticed some late payments continuing to show to on my consumer report from EXETER FINANCE LLC. 15 USC 1681a ( 2 ) ( a ) ( i ) ( 2 ) Exclusions. - Except as provided in paragraph ( 3 ), the term consumer report does not include ( a ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The law above CLEARLY states the consumer report DOES NOT INCLUDE transactions or experiences. Transactions, when broken down, is transactional history. Late payments are a form of transactional history. Your company is in clear violation of 15 USC 1681a ( 2 ) ( a ) ( i ) as explained above and 15 USC 1681b ( a ) ( 2 ). 15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with written instructions of the consumer to whom it relates. I did not give this company WRITTEN INSTRUCTIONS to furnish ANYTHING to my consumer report, let alone LATE PAYMENTS! Delete the late payments listed above from my consumer report IMMEDIATELY! Failure to complete the task of deleting the late payments from the above-mentioned accounts will result multiple violations of 15 USC 1681 and all of its subsections.
02/10/2019	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	PA 19050	Web	Older American
My name is XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX. In XXXX, I purchased a XXXX XXXX XXXX, which was financed by Exeter Finance for {$23000.00}, at a Monthly payment of {$550.00} for 72 months. Even, though I thought the payments were high, I was diligent with my car payments. Recently, Exeter communicated with me to inform that, I still owed a principal amount of {$7000.00}, which needs to be to be paid within the next 80 days. My immediate response, How much have I paid so far? Exeter responded by telling me that I have paid {$41000.00} to date and insisted that I pay an additional lump sum of {$7000.00} to relinquish my debt. On XX/XX/XXXX, I requested a summary of my Payment History, Sales Contract, and Loan agreement for review. Exeter has promised to send/email, but has not sent the materials in 3.5weeks. I feel that Exeter is not only practicing unfair debt collection, their policies are indiscriminate, and their behavior is obtrusive with constant phone calls XXXX am each morning prior to me going to work. I am convenience that I have paid off my car, and are no longer obliged to make any further payments. Exeters address is XXXX. XXXX XXXX, XXXX, Texas XXXX, ( XXXX ) XXXX, email address : customerservice@exeterfinance.com. Please provide me with immediate assistance. Sincerely, XXXX XXXX ( XXXX ) XXXX ( m ) ( XXXX ) XXXX ( w )
05/04/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	IL 60637	Web
Hello, there. I am a customer with Exeter Finance XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I wanted to make a complaint regarding the repossession of the vehicle in question on XXXX XXXX. I have tried to make a payment on XX/XX/2022 on my account with Exeter Finance. They said that due to my account status that they can not accept an online payment at this time from me. This is the first time I have been not able to make a online payment, and this is after I expressed that I don't want them harassing me 4 times in one hours as they did before when they called me repeatedly US Code 1692d ( 5 ). I am willing to pay the bill and they still repossessed my vehicle, putting me in a bad situation and limiting my ability to make income for my family. They said that they sent a letter of collection activity in XXXX, but I told them that I never revived it. The representative then said that it's not his problem because they did what they were supposed to do. I want to complain because this goes against my rights as a consumer according to US Code 15 1681 ( a ) ( 1 ) ( A ) and because of the non disclosed subject regarding the finance charge in US Code 15 1638 ( a ) ( 4 ) .The biggest complaint I have is that I have tried to pay the bill online and they refused to accept it, then they had a towing company repossess my car. It's illegal and the remedy I am seeking is :
07/13/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 78542	Web
I made my regular payment on due date XX/XX/2023 First and then made a additional payment of XXXX XXXX and then called and asked for the XXXX to be applied to principle balance. On my new statement it said that the XXXX payment to principle went to interest. I called today and they said it was because i made the XXXX first than my regular payment which is incorrect. I have screenshots of the payment order with time stamps and the payment history on there website clearly shows the XXXX payment was the latest payment in order and the {$500.00} regular payment came first. I also attached a picture of my bank account when the payments were made and in the order they were made. I have made these type of additional payments to principle before. Company giving me the runaround with this issue. Company responded but is incorrect as i made my payment that took care of the interest on due date that took care of the interest up to billing cycle and additional principle on same day, agent on phone said it was because of the order, that i made the XXXX first which went in as partial payment and went to interest and then the {$500.00} regular payment, that is incorrect as shown with documents that proves i made the regular payment first and then the principle payment, because of the order company denied my request to apply the XXXX to the principle balance. Thanks XXXX
09/11/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	PA 150XX	Web
I contacted Exeter Finance Corp to let them know I would be making my XXXX XXXX payment on XXXX XXXX. I called on the XXXX and had them debit my checking account for XXXX payment. On XXXX XXXX I received a call from the finance company stating I did not make the XXXX payment. I explained my conversation that I had on the XXXX and explained I made the payment. The customer service person told me it was not on their computer system and took the bank account information again. On the XXXX Exeter took out XXXX car payments which bounced my account. After numerous phone calls to customer service I spoke with approximatley XXXX different supervisors and after approximatley two weeks or so I received the unauthorized payment and the overdraft fees back into my account from Exeter. Since then I have been recieving phone calls harassing me that I have not made my XXXX payment and some of the customer service people are very nasty Apparantly they do not read any of the notes shown on my account. I have emaild and faxed over bank statements as recently as yesterday with no resolution to the harassing phone calls. I have called the corporate office twice and left voicemails with no return phone calls. I am looking for a resolution to this matter. It seems noone can take care of the issue at hand, the XXXX payment has been made and I am receiving harassing phone calls.
05/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 21157	Web
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. Thank you for your prompt attention to this matter. Sincerely, XXXX
03/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90266	Web
I have had an auto loan with Exeter Finance since XXXX and the amount of the loan was {$37000.00}. I have made continuing payments since that time of {$810.00} on a monthly basis and not one time have I been delinquent. In XXXX, 2022 in consultation with the company I was told for the first time that I need to pay a " balloon '' payment of {$3100.00} to pay off the balance of the loan. I asked the customer service representative if I can pay the amount that is still currently listed on the website for my loan of {$810.00} till the balance is paid in full. The representative said that would be fine and it would satisfy all the requirements of my loan. I made that payment however yet Exeter informed all the credit agencies that my account was now delinquent in XXXX this for the first time ever for this account. I have since spoken with Exeter and they will not erase that red mark on my credit reports. I have also told them, that with the remaining balance of {$2300.00}, I am willing to pay that in full. I also would have paid the full {$3100.00} on the loan if I knew that it would create this issue. The agent from Exeter did not have any issue for me to make this monthly payment to satisfy the loan requirements. I ask your agency to have Exeter remove that delinquency from the 3 credit reports as it should not be there in the first place as discussed.
02/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 70115	Web
( 5 ) Treatment of inaccurate or unverifiable information.- ( A ) In general. -If, after an reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; I have been in dispute with Exeter Finance LLC for months requesting they provide the necessary evidence of a lawful debt ( a signed INVOICE ) and also a contract with both party signatures Mines and Theirs ( The Corporation ). I did reserve my common law rights UCC 1-308 and also agreed to pay any lawful debt which I may owe on those conditions. Instead I have been receiving a Statement and a Third Party Contract, which a Statement is not an INVOICE and a third party can not sign a contract on their behalf. I requested that they write confirming the Debt to be fully discharged and I owe them nothing. I never received that either, even after contacting their consumer complaint division and writing to the President of the Corporation, as of now consumer reporting agencies are reporting the debt as a charge off but Im still awaiting for a signed invoice of their claim against me.
09/28/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	MD 20903	Web
Good Morning, I contacted Exeter Financial on XX/XX/2021 informed them that my employer had reduced my hours again due to covid an that my spouse was no longer working and my bills where high they informed me I had used all my extension an only had one available. After speaking to a serval representatives informed an explained my situation on recorded line the representative stated that he will help me today an apply a two month extension this was on XX/XX/2021. I was very happy with that information. I notice they report 3 missed payment to all three of my credit XXXX, XXXX and XXXX, I also see they they began to call me i answer a call on XX/XX/2021 where the representative is informed me that I'm very past due an what the representative on XX/XX/2021 did needed manger approval an mines was dined. Throughout this whole pandemic i have been them first before even my rent because I knew once I acquired a job I would need a car for me a my XXXX kids. They have never had a relief options i have called to lower my bill dined I have called them for the small amount of help an always they give a run around. I'm requesting a two month extension on my loan. Covid 19 is still very real an I'm unable to make full payments at this time i would like them to remove all negative information off my credit. If some can please help me with this situation
04/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WV 254XX	Web
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. Thank you for your prompt attention to this matter.
08/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 282XX	Web
On XX/XX/2023 and XX/XX/2023 I contacted XXXX via correspondence by mail to remove Exeter finance, XXXX and XXXX XXXX XXXX XXXX off my Credit Report. I have contacted each company twice by a formal letter and over 10 times for each company via phone. I was a victim of identity theft and also provided all documents each company requested ; including the identity theft reports. I have provided the burden of proof numerous times and nothing has been done. As a result, I was released from my job do to these reporting on my credit and have been denied for 2 jobs. I am a XXXX in the XXXX XXXX. I have been denied for 3 homes for my family and myself. Law.states : As per the Fair Credit Reporting Act, Section 609 ( a1 ) ( A ), it is required by federal law to physically verify the original signed consumer contract for any accounts posted on a credit report This verification process is essential to prevent fraudulent accounts from being included in the reports. especially since individuals pay for these reporting services I have demanded multiple times to see verifiable proof ( i.e. : an original consumer contract with my signature on it ). Not one of these companies have complied and sent proof. This is my last attempt to demand these accounts are removed. If not, I will be suing each company and each credit bureau seeking maximum damages.
12/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 91730	Web
I have 12 payments recorded 30 days late. However I received an extension for a few of them and paid less than 30 days late for a few others. XX/XX/XXXX I made a payment XX/XX/XXXX and another payment and another on XX/XX/XXXX I also received an extension for XX/XX/XXXX. I have XX/XX/XXXX recorded 30 days late and I made a payment XX/XX/XXXX for this. My payment for XX/XX/XXXX was marked 30 days late as well and I made a payment for XXXX on XX/XX/XXXX. For XXXX and XXXX of XXXX I was given an extension to be added at the end of my loan however they still reported 30 days late. XX/XX/XXXX was also reported 30 days late which I made a payment on XX/XX/XXXX for XXXX. XXXX was reported 30 days late a payment was made XX/XX/XXXX. XX/XX/XXXX I missed a payment without realizing and called and spoke the them on their recorded line where they told me it wouldnt be reported since I made the payment. From XXXXXXXX XXXX XXXXXXXX they recorded 30 day late payments. I know my payments havent been on time but they havent been 30 days late. I got the loan when I was younger and made a few mistakes paying a few days late I now understand credit and am working hard to fix it. This is hindering me from getting an apartment and overall has made my life more stressful. I appreciate the time and concern you guys are taking to look into this. Thank you
11/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IA 50021	Web
I have reached out to Experian on numerous occasions regarding derogatory accounts reporting on my credit file with them. The 2 creditors in reference are XXXX XXXX XXXX & Exeter Finance XXXX XXXX XXXX XXXX is reporting a Original Balance of {$11000.00} Payment Status_ Voluntary Surrender with a Past Due Balance of {$690.00} Status Update of XX/XX/2018 So my argument is : The status update is inaccurate The Closed Account should not be reporting a past due balance or monthly payment, Status Update shows that the account was NEVER properly investigated which are clear FCRA Violations & inaccurate/inconsistent reporting on my credit file. Exeter Finance XXXX is reporting a Original Balance of {$12000.00} Written Off Amount of {$11000.00} Payment Status_ Charge-Off with a Past Due Balance of {$9800.00} Status Update of XX/XX/2018 So my argument is : The status update is inaccurate, The amount that's supposedly written off is inaccurate, I never received a 1099C as documentation that the debt was written off, Status Update shows that the account was NEVER properly investigated which are clear FCRA Violations & inaccurate/inconsistent reporting on my credit file. Also everytime I submit a dispute my credit scores drop due to these disputes which is unfair to me as a consumer challenging various inconsistencies on my credit file.
10/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	CO 80017	Web
I had an auto loan with Exeter Finance that matured on XX/XX/XXXX. Due to having deferments on the account, I still owed a balance. I had continued to pay as agreed, and have never gone 30 days past due on making a payment. I called Exeter Finance and spoke with a manager on Tuesday XX/XX/XXXX, as well as Thursday, XX/XX/XXXX due to a payment I had made on XX/XX/XXXX, not properly reflecting on my online transaction history. I was advised that due to the loan maturing, that the next payment date would not reflect online. I specifically asked the manager during both calls, if this would result in being past due with the credit bureaus. During both calls, a manager specifically responded and stated that the loan has simply matured, and that I should continue to make payments as agreed. This is what I have done, however, Exeter Finance is reporting to the credit bureaus as of XX/XX/XXXX that I am 30 days past due making a payment on this account. I have called Exeter Finance and requested to speak with a Credit department, and have been advised that one does not exist. I am requesting additional assistance from the CFPB in regards to this matter and having the late payment reported to the credit bureaus removed, as I am not 30 days past due on my payments and have made at least the minimum payment if not more each month.
05/12/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60637	Web
After receiving the letter of validation from Exeter Finance dept. I've noticed that there are forgery and false information on this bill of sell. as for one that signature is not mine, as Ive stated in my affidavit my brother forged my signature but you overlooked that. Ive also sent in a letter from my brother with his ID attached apologizing to me that he has done me wrong, for which I've forgiving him for. and also on the letter of validation you had one address, then you stretched it out and put another address. that's forgery. Ive never staded at neither of these addresses my brother did, I never let know one know where I stay this is why he had to use his address because he did not know where I live. on the address you have XXXX XXXX XXXX I never stayed there but my brother did, you got XXXX or XXXX XXXX XXXX, I've never stayed there but my brother did, you see all of this is leading back to my brother, this is why he is in prison now for theft and breaking and entering. therefore ive submitted documents to you numerous times, but you falil to see things in a different prospective. all I ask is for you to clear my name and go after the person who owe you money and that is my stepdaughter XXXX XXXX and not XXXX XXXX I would never co sign for anyone not even my mother, so why would I co sign for anyone else.
11/03/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 941XX	Web	Servicemember
Exeter finance has been one of few creditors who is reporting late payments and charge-off ( s ), multiple times on the account inaccurately and derogatorily since account was closed. Investigate the creditor 's recorded phone conversations with me and you will find out that I paid the last payment in full however much the payment was, in XXXX. They have went as far as reporting a new charge-off date ( s ) in XXXX due to the account reporting derogatorily inaccurate accounts for the length of time IT has. I can't have XXXX charge-off dates all reporting as accurate XXXX in XXXX and a new one in XXXX reported as accurate. Late payment history was also investigated and is proven in accurate via comparison between credit reports from the XXXX major credit bureaus. I've requested that the company investigate and provide further insight into my payment history and derogatorily inaccurate reported charge-off ( s ). They told me that it's the credit bureau 's responsibility to provide a thorough and accurate credit investigations to the customer and not the creditor 's fault if something is reported as verifiably accurate. The bureaus rely on creditor 's records for accuracy. This company can't even tell me anything about my reported past payment history or why the account is derogatorily compromised by charge off ( s ).
10/25/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC XXXXX	Web	Servicemember
To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XX/XX/2016. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this complaint to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter
04/06/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	WA 98404	Web	Older American
RE XXXX Case Number : XXXX XXXX : DISPUTE AMOUNT OF DEBT {$9600.00} Dear XXXX XXXX XXXX Exeter Finance Corp. : We are notifying you within 30 days after receiving this notice on XX/XX/XXXX that we dispute the validity of this debt or any portion thereof. We have included documentation of payment history from the Trustee, and a cashier check for the balance. See Attached. On XX/XX/XXXX we purchased a cashier check from XXXX XXXX for {$3100.00} to Exeter Finance LLC. and sent it by US Mail Certified Mail Receipt to the address above. Account # XXXX XXXX. According to XXXX XXXX the cashier check for {$3100.00} was CHASHED ON XX/XX/XXXX. Exeter Finance Corp. Cashed our final payment of {$3100.00} and SOLD the loan to XXXX XXXX XXXX XXXX XX/XX/XXXX a month later. SEE ATTACHED. According to the Tracking number XXXX XXXX XXXX XXXX XXXX the Cashier Check was received by Exeter Finance LLC on XX/XX/XXXX and was signed for. We spoke to several customer service representatives, prior to selling our loan to XXXX XXXX XXXX. We need you to investigate the misappropriation of our funds that should have paid off our loan in full. We want the Title of our XXXX XXXX XXXX sent to the above address. If we dont hear from you in a timely manner we will file a claim with the Consumer Financial Protection Bureau FRAUD DEPT.
06/15/2019	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	OH 44128	Web	Servicemember
During the month of XX/XX/2019 had several calls from Exeter Finance about account balance being past due for more than 60 days. At the time told them I shoukd only be 30 days because promised an extension from my last payment. Was told that I was only granted a 1 month instead of a two month extension as promised with last payment. Told them my wife was under a garnishment because of the goverment shutdown and I was just getting back to work because I XXXX XXXX XXXX for my XXXX XXXX and work had just started to pick up. The Representative told me if I made the atleast 2 months payment he will work on getting me a 2 month extension and my next payment will not be until XX/XX/XXXX. The rep took my payment and said thank you and your wife for your service and you should be fine your state you doesnt have any paper work to be signed for an extension. Replied thats great you should have your payment on the XXXX. Now im being told Im 80+days past due no extension is in the system or been noted that I was offered an extension and Im to the max on extension so none will be applied just make your payment and you will be fine. Told the rep will be filing a complaint also they keep reporting it late on my credit report when it was indeed there fault if it couldnt be done then shouldve been told that from the start,
05/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91915	Web	Servicemember
I have new and updated information from closed complaint XXXX. In my last complaint I stated that the dealership had shown no proof of the application. XXXX XXXX has sent over a copy of the application. See attached. Right above the signature of the application there is a statement that reads as follows : " You are notified pursuant to the Fair Credit Reporting Act, that your application may be submitted to the financial institutions named below or to other financial institutions. I'd like to bring attention to the fact that the word " May '' is not a definitive term as it means expressing possibility. Making this statement deceptive. Underneath this statement is a space for the names and addresses of financial institutions that may be contacted. That space is empty, there was no disclosure that these financial institutions would be receiving my credit report. Therefore XXXX XXXX, Exeter Finance Corp, and all other financial institutions contacted by this dealership by use of my signature on this deceptive form had no direct or indirect authorization, consent, or permissible purpose to review & furnish my report. This is proof of unfairness, partiality, and a violation to my right to privacy as a consumer from the dealership and financial institutions involved pursuant to The Fair Credit Reporting Act.
02/18/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	OH 433XX	Web
Roughly 3 yrs ago i dated a woman that wrecked her vehicle. The nice person i am, co-signed for her to get a loan on a new vehicle. Within a month we had split up and she had stopped making payments on the loan. Eventually the vehicle was repossessed and we both now have a bad mark on out credit score. Some months later i contacted this Exeter finance company to try to find out what i need to do to take care of this issue. They were very rude and would not work with me at all on settling. The only thing they told me i could do was pay the loan off in full. Now i am trying to get a house loan and this Exeter finance company is keeping me from getting the loan i need. I contacted Exeter the other day ( about 3 yrs from the initial loan ) to once again try to find out what i need to do to resolve this issue and again they were very uncooperative. They would not give me any information on this loan saying it was a security issue because i was not the primary on the loan and i did not know the woman 's personal information even though i am still on the loan. I tried to explain to them that i have not had contact with this woman in years and have no way to get the information they require. They would not help me in any way and told me to hire an attorney. Now i am contacting the CFPB for help with this matter.
09/28/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	MO 65203	Web
I have a car loan with Exeter Finance, I have had nothing but issues since starting with them!! Ive currently hired an attorney to sue them for stealing, fraud, harassment, financial hardship, emotional distress, as well as reporting inaccurate and false information to all three credit bureaus!!! Not only have I been called daily and sent emails daily since getting the loan, I caught the company trying to steal from me, and in the process am continuing to daily get harassed and lied to and have even spoken to management and was promised a credit onto my account due to their mistakes and faults in which I still havent received!! As well as received a letter in which was overnighted from the office of the president last week stating they never made any mistakes at all but when stating my evidence I have against them over the phone with her was asked to send whatever documentation I have over to her email, are you kidding!! Why would I do that?? Let alone its XXXX and I made two payments in XXXX and they have reported Im over 90-180 days late on my payments when Im not!! Let alone They have stated payments werent made on my credit report when I have evidence and bank statements in which show payments were actually made!! Their screwing me, scamming me as well as damaging my credit score at the same time!!!
07/17/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	ND 58102	Web
I have been making my payments on time and have the bank statements to prove that the loan payments are being made and on time. It is an automatic with drawl payment from my account to them. The finance company is EXETER and XXXX XXXX where I bought my vehicle is the ones who got me financing through that company. I was greeted by a tow truck operator at home today as he let me get my personal belongings out of the vehicle because I was informed he was repossessing it for no payment. The tow truck operator informed me as well that half of his inpound lot is full of vehicles from this company for the same reasons of people making their payments and having proof yet their vehicles are being repossessed. The company told me when I called them that they would have to wait for the paper work from the towing company before they could update records and let me have my vehicle back even though I sent them my banking records showing them that the payments were made to them. This cant be right or legal to do to a customer. I have 4 kids and needing to get to the store and errands ran as well as to their perspective locations. And now here I sit as a single mother with no vehicle because I was trying to do the right thing and make payments on time. Please help so no-one else has to go through these same issues.
01/28/2023	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30252	Web
I submitted a dispute with Exeter finance XX/XX/2023 disputing payment history and the charge off amount also requested information regarding the amount left on the account before it was sold to XXXX XXXX with a receipt. I sent this to an email XXXX they replied back XX/XX/2023 that they received it. XX/XX/2023 they sent out a letter saying the account status is accurate. I never ask about the account status. The also say the information reporting to the credit reporting agency are correct! XXXX quite confused seeing that there is different reporting going on. If they are all accurate explain why each credit reporting agency is reporting different information. Due to the FCRA all information being furnished should be 100 % accurate especially if its coming from the same furnisher. This is grounds for removal. They ignored my dispute and they have been knowingly/ willingly reporting inaccurate information. Thats against the law as well. This has caused damage to my credit report. Under the 15 U.S.C 1681-2 1 ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( b2 ) A person shall not furnish information relating to a consumer to any consumer reporting agency if
01/07/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	AR 72703	Web
I XXXX XXXX, got a vehicle back in XXXX XXXX at a dealership in XXXX, Arkansas, at dealership named XXXX XXXX and XXXX, where I got a vehicle from they where a fraud. My credit was ran about three different times with out my consent, that was after the fact we come to conclusion I had to get a co signer. My credit was still ran, I then proceeded to get a loan on vehicle, sign paper work and still had to pay a XXXX down payment and that I should insurance before I could even leave the lot. ( 15 USC 1662b ). I leave with the vehicle and the weather had dropped down by the time I've made it home and it started snowing. Over the next few days I did not get too drive the vehicle which, I would crank the vehicle and let it sit, each day I would hear a winning sound, I then let the dealer know the problem I was having, Well the dealer inform me to bring the vehicle back. I took vehicle back and they looked at the car for 5 minutes and told me nothing was wrong, so i decided to take vehicle back, I told them I wanted to trade for a truck I seen, had to go back the same process as following, where my credit was ran again, don't know why, where they knew from the time before told me credit wasn't enough. My complaint is that they broke the laws, ( 15 us code 1635 ) ( 15 usc 1605 ) ( 15 usc 1662 ) ( usc 60802 ).
09/08/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CA 90745	Web
I got a job with a company that required me to have a car to keep the job, I didn't have perfect credit ( just fair credit ), but I felt that I was taken advantage of because it was during the beginning of the pandemic and I had no one to help me when it came to negotiating the loan. I didn't have a down payment and the company I had the job with would not give me a letter saying that they had just hired me so I was a sheep among wolves. The dealership told me that there was a company that would finance the car and I didn't have to have a down payment so I said okay. I was trying to keep my new job. The dealership drew up the papers and added services onto the contact and then sign my name to it which added on extra fees to my car loan. My car payment is more than I can afford and every month I struggle to make the payment, I have been thinking seriously about bankruptcy. I need my car payment to be what I can afford and the extremely high interest rate to be lower than it is. The finance company said that I would have to make my High car note payment for 1 year than they would consider refinancing my car loan at a lower rate. I got my car XXXX, and it is just too high. I told my sister and my son about my car note payment and how much I have to pay, they both said that " They took advantage of me ''.
12/29/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NV 89108	Web
XXXX XXXX XXXX amounts showing on my credit reports account charged off {$24000.00} Written off {$17000.00} I never received any letter or letters after writing Exeter about the account or what the Vehicle sold for which I requested. the amounts are not correct. I tried several times to pay but was told I could not pay or catch the payments up. My job had written me bad checks I work for at XXXX salary and closed up with out any notice. I told them this several times I was waiting to transfer to the XXXX in which I 'm a XXXX the company had over 460 employees. Exeter has no regards to the customer my claim was valid with the state about money filed as proof and the situations going on at the time. Now XXXX XXXX XXXX has Transfer of Account Ownership to XXXX XXXX XXXX Why would I pay for a Vehicle that I do n't have nor was ever give a sale amount at auction. Now a transfer with no amounts and I dispute any and al money owed to Exeter due to the fact when I wrote Exeter to pay I was treated badly and hung up on. the amount on the credit report is not right on the amounts there is no sale amount on {$17000.00} or XXXX was the amount of the begging loan Fin but there was payments made and the sale amount does not leave the balance this high nor XXXX owed minus the sale price of the Vehicle.
08/25/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	MO 63031	Web
My vehicle was repo'ed by exeter finance llc. i sent notices and demanded the return of the vehicle. they are stealing what belongs to me. As a Consumer i entered into a credit transaction were XXXX XXXX XXXX XXXX XXXX XXXX MO, XXXX. They failed to tell me full disclosure of the contract and failed to let me know my rights as a consumer. We were told we were approved for financing but had to put down {$1800.00} under 15 usc 1605 no down payment is required under a consumer credit transaction. So we had to turn over {$1800.00} ( Highlighted in a picture ). Then we were told we can't get our keys until we buy our own insurance. But federal law says if there is a Finance Charge everything should be covered including insurance. Now exeter finance is the institution that stole my vehicle. having my XXXX XXXXXXXX XXXX repo 'd when they should have applied the finance amount to cover the XXXX. They have no rights to my vehicle and i told them this. I've sent 2 rounds of notices to them that i will upload. Both notices have federal laws in them demanding my property back. I want them to return my XXXX and cover the tow lot fees. Or they will be liable for the finance amount times 2 according to federal law for the violations on the contract. Financed amount is {$20000.00} so doubled is {$41000.00}
10/02/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	GA 30253	Web
My name is XXXX XXXX and I financed a XXXX XXXX XXXX for {$16000.00} using Exeter Finance back in XX/XX/XXXX. At the time I needed a car really bad as I had an XXXX child and a XXXX year old who I had to transport back and forth to school and daycare. I was advised that the loan was for 72 months with a monthly payment of XXXX. I have made 70 payments in total plus interest and fees applied. I struggled making the payments as I really could not afford them but needed a car. As of today, I have paid a total of {$29000.00} towards this loan. My account shows that I still owe {$5900.00} and if it is not paid by XX/XX/XXXX they will repossess my vehicle because I have reached my maturity date. I don't understand how they can do this to a consumer especially during this pandemic. They will not work with me unless I come up with XXXX which is ridiculous considering how much I have paid them. This is not right to me as a consumer and this is really bad business on their part. To collect this much money from me and threaten to take the vehicle. I need help and I need soon as this is the only transportation that I have to find work. Exeter Finances XXXX rating has been revoked and Attorney General of Massachusetts filed and won a lawsuit against them for offering bad subprime loans. Please Help!
04/19/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 30213	Web
The company acted in a fraudulent manner which caused me to make an uninformed decision. Therefore, I am exercising my right to rescind the credit transaction pursuant to 15 U.S. Code 1635 and 12 CFR 1026.15 - Right of rescission. The company did not provide me with adequate disclosures as the Truth in Lending Act requires. The company did not clearly and conspicuously disclose to me the terms for the annual percentage rate and the finance charge and all that it includes. The company did not clearly and conspicuously disclose to me the options available to me for insurance or that the insurance is supposed to be included in the finance charge. The company did not explain that I had a right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under the Truth in Lending Act. The company charged me a down payment which is not a requirement in a consumer credit transaction. The company has caused me damages to my family due to omitting and withholding information, and using fraudulent, misleading and deceptive practices to coerce me into entering a fraudulent agreement.
06/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 78154	Web
EXETER FINANCE XXXX XX/XX/2021 15 U.S. Code 1666 - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit that was not made to the obligor or, if made, was not in the amount reflected on such a statement. ( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. ( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. ( 4 ) The creditors failure to reflect properly on a statement of a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau.
12/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	SC 29150	Web
To Whom It May Concern : I, XXXX XXXX am writing in regards to the adverse account listed by Exeter Finance LLC. I returned the vehicle back to the finance company after experiencing issues with the AEB system while commuting to work, which includes highway and long distance driving. I reported this to the dealer as why I was returning the vehicle and they advised the car would be resold. I do not feel I should repay any portions of the loan as to me keeping and maintained on time payments as the company reported themselves. I had no intentions of returning the vehicle until it became unsafe. I have attached the recall information reported from XXXX in regards to the same reported issue I explained to Exeter finance when I advised them to come and pickup the vehicle. When I returned the vehicle the check engine light was on and I advised them that the car should be inspected prior to being resold. I would like an investigation completed because I do not believe its fair to be held liable for a recall, which is out of my control. It seems like Exeter finance wanted me to keep and continue to pay for a vehicle I advised them was unsafe just for their financial gain. I would like this item removed from my credit report for these reasons. Vehicle Information : XXXX XXXX XXXX VIN : XXXX
04/22/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 776XX	Web	Servicemember
I attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of paid U.S. Postal Money orders which clearly states at the bottom that it is a negotiable instrument which I bought and paid for the rights to negotiate it. Money order numbers XXXX and XXXX was made with the proper clauses and provision based on banking law in the amount of {$16000.00} in accordance with HJR-192 Public Law 72-10, U.C.C 3-603 ( b ), U.C.C. 3-311 and public law for negotiable instruments to EXETER FINANCE on XX/XX/2023 and XX/XX/2023. They accepted one of my instruments ( ending in XXXX ), but did not credit my account correctly. I did call on XX/XX/2023 at XXXX p.m. and spoke with XXXX and XXXX recording will be attached and they refused to stand in honor of the law by applying the proper payment. Even with the agreeing that they do accept legal tender, which is what I provided. Even with the ability for the instrument to remain negotiable which is an even greater benefit for them. I am filing a complaint and asking for an immediate investigation to rectify the situation without levy so they may remain in honor. As it stands they are committing an illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on.
07/12/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NC 281XX	Web
I financed a vehicle with Exeter Finance in XXXX 2015 alongside a cosigner. I financed it at at 14.7 which was slightly higher than my other vehicle was financed at. A couple months ago I ran into the issue of the cosigner taking off with the car which I know bear some fault on my own part but Exeter has been of no assistance in helping locate the cosigner to notify of lapse of insurance on the car. I also offered to pay the loan off in full if the car could be returned, or I would like to be released from the contract since technically both of these parties breached it. Then the other day as I was monitoring my credit I noticed how little had come off the principle. I knew from work that around {$320.00} should come of my principle with the {$410.00} payment. However the amount coming off was around {$190.00}. I was very upset as I read through my paperwork and kept seeing " annual interest rate '' but for some reason being charged a daily interest rate. I paid my other vehicle off and have another one ( since this one was taken ) and I have no issues whatsoever trying to guess what my interest portion of my payment will be. I am very upset and thought Exeter would be like other finance companies I have dealt with who did not hide their charges and understanding of the process.
12/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 773XX	Web
To whom it may concern, I hope this message finds you well. I am writing to bring to your attention a matter of deep concern regarding our account with Exeter Finance, specifically concerning the late fees adversely affecting our credit score. In numerous conversations with Exeter representatives, we have attempted to address what appears to be an issue stemming from an unexplained payment reversal in XX/XX/2023. Unfortunately, we were not promptly notified of this occurrence and only became aware when seeking clarification from Exeter. Despite our proactive attempts to resolve the matter, we have been advised to " just pay it, and the late fees will fall off. '' Regrettably, this advice has not proven effective, and the lingering late fees persist, significantly impacting our credit score. As of XX/XX/2023, our account records clearly indicate that we are not behind on any payments. However, Exeter continues to report that we are late on payments, which is inaccurate and damaging to our creditworthiness. We urgently request your immediate attention to help us rectify this matter. It is imperative for us to have these late fees corrected promptly to prevent further detriment to our credit score. We kindly seek your assistance in ensuring our account is accurately reported.
10/19/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	NJ 08817	Web
Since XXXX of XXXX the primary loan holder and the co signer have been getting multiple calls a day from Exeter Finance about the car loan. There have been no late payments on this loan except for XXXX of XXXX, it was XXXX days late. Regardless of paying the loan on time every month. Exeter still calls multiple times a day well before the loan is due for the next month ( if payment is due in XXXX weeks they will call everyday up until the due date ). We have spoke with them numerous times expressing exactly what dates the payments will be made on and they still continue to call even after that. From XX/XX/XXXX- XXXX XXXX they have called 3 times a day consistently on the primary holders phone and work number ( they have been asked not to call the work number and they still continue ), while also calling the cosigner the same amount of times everyday. XXXX of XXXX there was a late payment but half the amount was paid ( {$300.00} ) and they were made aware of that and told when a payment would be made. Despite that they continue to call and now the cosigners credit score has dropped significantly due to the XXXX day late payment. There have been some financial hardships and they have not been lenient even at all even though this account has never had a late payment since XXXX.
04/05/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CA 92376	Web
XX/XX/XXXX Purchased vehicle for XXXX, at interest rate of 19.35 % with sub-prime lender XXXX XXXX, located in XXXX Texas, Promised by finance officer that we would be able tor refinance, however actual value of vehicle was never the amount that was listed, and due to several mechanical issues, and failure with engine, it made it impossible to refinance this vehicle. Requested assistance XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and no options made available by XXXX and was told I would have to complete 72 payments on original contract and there is no reprieve that can be provided, even based on the current value of vehicle. Current vehicle is worth less than the settlement offer, they have received total payments in the amount of XXXX well exceeding the amount of the loan originally financed, and am hoping they will take the little amount I have and settle on this debt so i can move on with my life. This is a predatory loan, with no exit. Refinance, is impossible as it would require the difference of what is owed on this underwater XXXX. I have done my best to comply with the awful interest on this loan, despite now being qualified for better financing, and a better rate on a brand new vehicle, however the purchase of this vehicle and terrible interest haunt me.
06/14/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30815	Web
In accordance with the Fair Credit Reporting act XXXX Account EXETER FINANCE LLC Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions I am well aware of my rights as a consumer. This account is only reflecting on my XXXX credit report. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED! I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding collection items that is listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.
06/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH XXXXX	Web
I got these accounts that are not mine and i want it to be removed ASAP. See the list here : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 5. Identity Theft XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 10. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 12. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 13. Identity Theft XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 14. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 15. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 16. Identity Theft EXETER FIN Date of inquiry : XX/XX/XXXX This is not mine.
01/13/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	NY 10466	Web
Exeter Finance On XX/XX/XXXX, a contract was signed for a XXXX XXXX XXXX at XXXX XXXX XXXX. I provided my social security number in order to seek out financing for this vehicle. The total loan amount was {$41000.00} The bank agreed to participate in this consumer credit transaction for this vehicle on my behalf using my credit which I gave access to with the use of my social security card, or credit card pursuant to 15 USC 1602 ( l ) of Truth in Lending Therefore, I take the role as the original creditor due to my open end consumer credit plan pursuant to 15 USC 1602 ( j ) The bank can not be the original creditor because the role of extending credit is not a listed power of banks or financial institutions pursuant to 12 USC 1431 The bank becomes a creditor after I extended my credit to them with the use of my credit card The bank completed the transaction with the dealership which completed the consumer credit transaction The bank sent me letters stating that I am allegedly obligated to pay on a debt I have have with them for the auto loan This is a violation of the FDCPA 15 USC 1692b ( 2 ) I sent a letter to the bank requesting verification of the original creditor in this transaction. I do not owe any debt to this bank due to my role as a creditor 15 USC 1692a ( 4 )
02/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19023	Web
It has come to my attention that EXETER XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making XXXX XXXX XXXX XXXX an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! It is shocking to me that EXETER XXXX XXXX takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system
04/18/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	CA 90266	Web
My issue is with Exeter Finance of XXXX XXXX In my conversation with the company on XX/XX/2022 I was told there was an overall balance on the account of {$3100.00}. I told them that on my computer screen it said payment due of {$810.00}, which is the payments I have made throughout the history of this loan and would be be ok if I made that exact payment prior to XX/XX/2022 so that it would not be marked late on the XXXX credit reporting agencies. Exeter 's agent told me that it would be fine. On XX/XX/2022 I made the payment of {$810.00}. Within a week the credit reporting agencies listed the account as 30 days past due ( the first negative mark on this account for the 6+ years I have been paying off this account ). I called Exeter to complain about it but they did nothing about it. I then made a decision to pay off the balance of the account for the amount of {$2300.00}, which was paid on XX/XX/2022. To my absolute terror not the credit reporting agencies are listing the account as 60 days past due, which is impossible as the account is closed and I have paid in full the loan. I request that Exeter eliminate that 30 day late mark as the account was paid as what was agreed to and to eliminate the 60 day late mark as that is impossible as the account was paid in full.
01/03/2021	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 92780	Web
Hello. This is a report for exceter finance. I reached out the week of the nationwide lock down. To the finance company stating if they had any Covid 19 payment plan or what they can offer for customers during the pandemic. The representative i spoke to stated they had nothing. They didnt offer to push back the payment. They didnt offer payment arrangements. Reached out again in XXXX, same issue same statement. No assistance to the customers. I reached out in XXXX due to researching most car financial companies are reporting late payments caused by a natural disaster. I spoke to a representative and they stated i was eligible for a push back in 2 payments. The last representative failed to notify customers. I filed a dispute with credit bearu due to the companies inaccuracies and the credit reporting stating i was late and fail to notify customers what they could do during the pandemic. Many companies didnt report to the credit bearu and the two late payments i have are now affecting me and others from what i discovered this company did this to many of there customers. The only late payments i have are from the pandemic and they declined to remove them. The presentative stated it was the last two people i spoke to failed to assist and now my credit is on the line
01/24/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	AL 354XX	Web	Servicemember
In XX/XX/XXXX I went to XXXX XXXX after I was given a pre approval for the vehicle that I purchased. With the prapproval I was to put down XXXX dollars and I would have a XXXX dollar monthly payment. After getting there I was passed around to different employees and then after my credit was run for the 37 time I was to put down XXXX and they told the extra care for the car was part of that. Without showing me the total numbers by distracting me with the fact that they did not understand my retirement pay/ XXXX XXXX XXXX pay. I was moving across the country and needed a truck. So I paid the amount for a down payment and was told off to the side to file my military paperwork with Exceter Auto Financial. But they will not help me get a new interest rate. Currently its 27 % and Im afraid that Im going to lose my trAnsportation. I filed again with Exceter fianc on XX/XX/XXXX again. I was told that my military paperwork didnt matter and threatens me. I told them I just went through a XXXX retirement and thats was a couple of months before and I was still in transition. I felt that I was intentional told one thing and made to feel like the down payment would resolve the high payment after I paid for the XXXX XXXX. Which now I figured out that I never had.
01/05/2017	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	TX 77498	Web
I have experienced an issue with Exeter Finance. I was previously in a loan agreement with Exeter finance and I have since went with another lender after getting a better rate. with that siad, while in the loan agreement with Exeter, it was notated that I was late for payments on my account and also they have notated that the account is closed and in a current status of behind XXXX 90 days which is also inaccurate. In addition to the inaccurate information being provided by to the credit bureaus ( and the bureaus not verifying the information correctly ). After researching the company, they have violated the XXXXFDCPA and still reports to XXXX and XXXX. As a result I have suffered damages from their negligence and predatory credit reporting activities. Exeter is not lawfully compliant with to do business within the state of TEXAS and is not BONDED by and authorized bonding company. In addition to the items noted above, since they are not state compliant and I am not sure how to access their bond information. I would like to request that their tax returns be placed in discovery to see if they are also out of compliance as it related to the IRS. I know that I was not the only customer they had so they are also violating other consumer rights as well.
07/13/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	MD 212XX	Web	Servicemember
Two events which leads to credit scoring and auto payments impacts. : I believe that I am a consumer targeted in unfair practice by XXXX and its auto lender Exeter Finance. In XXXX I purchased a XXXX XXXX XXXX used from XXXX. Due to the urgency of the need of the car to get to work and having very little downpayment cash, XXXX offered a {$2000.00} trade in on my vehicle that was performing badly- towards the cost {$24000.00} purchase. During the XXXX hour, I was faced with signing for a 9 % interest rate. Things snowballed from there when a year later the pandemic hit. I contact Exeter about possible moving 2 payments to the end of the loan, however Exeter customer service would just ask me to update my account information and if ai had any relatives to pay the bill. Since covid, I was XXXX XXXX XXXX and had income cut in half. As I pay the monthly bill, I am still 2-3 months behind and with {$16000.00} left on the loan and I get up to 4 calls per day about the arrears although the company is aware of my stressed and stretched income statue the company will not make any concessions. These 2 events has aided to my credit score Constantine dropping. I live in fear everyday of my car being repossessed and the company lack of assistance. Thank you
12/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60615	Web
I checked my credit last week because I was preparing to buy a house and I noticed someone has been using my credit to obtain accounts I do not know how they obtained my information. This activity began in XX/XX/XXXX and continued until XXXX of this year. I will be placing fraud and security alerts on all my credit bureaus. Accounts Exeter Finance LLC Account number : XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00} XXXX XXXX XXXX Acct number : XXXX Date Opened : XX/XX/XXXX Balance : {$500.00} XXXX XXXX XXXX Acct number : XXXX Date opened : XX/XX/XXXX Balance : {$2600.00} XXXX XXXX XXXX Acct number : XXXX Date opened : XX/XX/XXXX Balance : {$10000.00} XXXX XXXX Acct Number : XXXX Date opened : XX/XX/XXXX Balance : {$410.00} XXXX XXXX XXXX acct number : XXXX Date opened : XX/XX/XXXX Balance : {$.00} XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} Inquiries XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/ XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX/ XXXX XXXX XXXX XX/XX/XXXX XXXX of XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
12/07/2023	Yes	Vehicle loan or lease Loan	Repossession Loan balance remaining after the vehicle is repossessed and sold	MD 20720	Web
On XX/XX/XXXX I entered into a fraudulent contract with Exeter Finance. I didnt know I was in a fraudulent contract until recently after studying consumer law. Since the hardship I faced due to XXXX XXXX I feel that Exeter Finance have not been working in good faith. XX/XX/XXXX they repossessed my car and my life has changed tremendously. My mental health has been affected as well as my husband being in and out the hospital due to not having a vehicle to work and provide for our family. Below are some of the laws, rules, and regulations Exeter Finance are in violation of. I will also be attaching a letter of rescission that Ive sent out to Exeter Finance on XX/XX/XXXX based on failed notices and disclosures I have yet to receive and violations in my contract. Exeter finance is in Violation of U.C.C 9-611 because they never sent me a reasonable authenticated notification of disposition. Exeter Finance are in violation of NY Veh & Traf L 425 and 15 NY Comp Codes Rules and Regs 78.22 because they never sent me any notices within 24hrs after repossession. Exeter finance are also in violation of U.C.C 9-608 ( b ) because they are still requesting payment from me after the sell of accounts. And negatively reported such debt on my credit reports.
07/13/2022	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	IL 60637	Web
I recieved a phone call from an agent with Exeter Finance LLC on XX/XX/XXXX at XXXX. After some conversation about a payment arrangement date, he began threatening me and saying that I was going to be breaking my contract. After he said that I would breach my contract, I began to ask him about the terms and conditions on the contract. I then told him according to the contract that the Ceo of Exeter Finance had sent out via the last cfpb complaint number XXXX, I saw two different total amounts financed and different numbers regarding the time of the monthly payments and total amount financed in the Federal Truth in Lending section. He then argued that he did not see that on the contract. I then asked who is Exeter Finance Corp and he said that used to be the name of the company. I then asked when and he could not tell me. He said that his higher ups passed the information down. I then said if that is not the name of the company, then why is that name on the retail installment contract? He couldn't answer the question. Also referring to complaint number XXXX, I asked him again about the four calls within a 2 hour period and I told him that it was harassment and excessive according to 15 USC 1692D5 . He said he had no knowledge of that call.
04/30/2019	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MN 55117	Web
I opened 2 accounts with the same lender for 2 vehicles in XX/XX/XXXX toXX/XX/XXXX. I ended up in a divorce which put me into a situation of voluntary repossession for both vehicles.i gave back both vehicles and the loan company Exeter financial sold the vehicles for any loan value in XXXX into XXXX or so of XXXX. The remaining loan amount was than sold to various lenders which ended with XXXX XXXX back in XXXX some time and as of XX/XX/XXXX I had got in contact with them to make arrangements to settle the accounts and pay. I got my income taxes and paid both accounts as agreed by both myself and XXXX XXXX for the amounts offered as paid in full. I have 2 letters stating that the accounts are now settled and XXXX XXXX have now removed themselves from my credit but Exeter financial has not updated and or removed themselves from my credit seeing as they are paid as well if the lender got paid. I have tried calling Exeter back in XX/XX/XXXX and no one could speak to me from the department that handles the credit reporting of the accounts and I also left a message to get a response for the team and no one responded back. I have investigated 3 times on all bureaus and the XXXX credit bureau was the only bureau to remove them from the reports.
05/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07017	Web
Exeter Finance and XXXXXXXX XXXX, along with credit reporting agencies such as XXXX, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 US Code 1681 and Privacy act of 1974. Additionally, I exercised my right to opt out of any and all authorization I, the federally protected consumer, may have given XXXXXXXX XXXX and Exeter Finance whether it be written, unwritten, verbal or nonverbal to report my information to a non-affiliated third party, pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7- Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. All of my personal information must be cleared off my report. All versions of names except my only Name " XXXX XXXX XXXX ''. All other versions are in violation. There is only 1 address that is correct that should be on my Consumer Report and that is XXXX XXXX XXXX XXXX, XXXX XXXX New Jersey, XXXX. ALL OTHER locations or addresses are UNMAILABLE, MUST BE REMOVED. There are CHARGEOFFS being reported on my consumer report from XXXX and Exeter Finance, per the IRS rules, all Charge Offs are considered Income and Income is NOT reportable on Credit Reports.
02/18/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	UT XXXXX	Web	Older American
I ask over 30 days for Exeter Auto Finacial to send us out invoice on our auto loan.We have not got invoice for over 1yr.And furthermore in State of Utah its against the law to HARASS Family Memebers, as Exeter has been doing.Family members i never gave any of there phone numbers to Exeter when we got the loan in XXXX XXXX in XXXX XXXX , S.C. XX/XX/2018.They Harass Nephews, Brother, and my Son and family members.Exeter never leaves message account number, futhermore Jerks Never will i send them payment anymore.They want the Car go get it, iam taking this up with President of USA, that CFPB.com / FTC.org is allowing this company Harass, iask ask many times to get invoice nothing.Same on XXXX XXXX XXXX we never got invoice for almost 2yrs.Iam damn tired paying on something no invoice.Law states we suppose get monthly receipt for paying.And iam not going put up with harassment i will try fine us attorney to sue.I/we paid over an over $ 500.amonth and our payment is {$450.00}. we never can login our account, so paying $ XXXX.over evey month can go to principal.But my wife has XXXX XXXX XXXX XXXX XXXX and all this XXXX/XXXX is making her more up-set, you quit harassing Family members, if her XXXX XXXX XXXX you are lieable for her death.
09/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 322XX	Web
Delete Late payments from Exeterfinance from XX/XX/2023 your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n
10/18/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	IN 46038	Web
Product : vehicle loan I purchased my XXXX XXXX XXXX on XXXX/XXXX/XXXX for {$17000.00} Since then, aside XXXX requests for deferred payments, I have been making the monthly payments of {$430.00} up until XXXX/XXXX/XXXX. In hopes to pay off the loan faster, I started paying {$250.00} bi-weekly on XXXX/XXXX/XXXX. However, no one at XXXX seems to know whether or not my extra monthly {$60.00} gets applied to the principal or not. According to XXXX I still owe over {$2500.00}. My loan maturity date has moved from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. I spoke to call center XXXX XXXX XXXX who explained that, in spite of the loan being mature, I will still continue owing them money. I would like my account transactions be reviewed, and I would like to receive a written explanation as to where my extra payments went. I am confident that I have been overcharged, and the car has already been paid off. The original contract states that the total of payments ( The amount that I will have paid when all scheduled payments have been made XXXX is {$31000.00}. I have paid a total of {$33000.00} as of this writing. I would like to see that this was just an error on their part and I want the title of the vehicle as soon as possible. Thank you XXXX XXXX
07/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95758	Web
In regards to EXETER FINANCE account XXXX XXXX This is void contract/void agreement. According to your installment contract number XXXX dated XX/XX/2021 states : The minimum public liability insurance limits provided in law must be met by EVERY PERSON who purchases a vehicle. In fact I never had auto insurance & never provided Exeter with auto insurance of any kind that has XXXX XXXX name associated with the policy. Your INSURANCE REQUIREMENTS section on the contract states YOU AGREE TO HAVE PHYSICAL DAMAGE INSURANCE COVERING LOSS OR DAMAGE TO THE VEHICLE AS LONG AS THE AMMOUNTS ARE OWED UNDER THIS CONTRACT I never had auto insurance of any kind to qualify for the vehicle or the ammounts owed under the vehicle. The original seller of the car did not check all requirements because one clear requirement is ALL PURCHASERS OF VEHICLES MUST PROVIDE INSURANCE PRIOR TO GETTING POSSESSION TO VEHILE. The insurance section has XXXX XXXX signed as a requirement for the insurance but XXXX XXXX did not provide insurance therefore this contract is incomplete, voided, & false to say the least. Im demanding EXETER finance to remove the account from my name & credit file immediately due to me not legally being under contract with the company.
03/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28314	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX ACCT # XXXX XXXX XXXX XXXX XXXX, AZ XXXX Account name : XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX Account name : XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Account name : EXETER FINANCE LLC ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. w/Gratitude
09/05/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	SC 29445	Web	Servicemember
In XXXX XXXX I was involved in a consumer credit transaction with Exeter finance. As I'm going through my truth in lending disclosures I notice it says there was a finance charge involved in the consumer credit transaction. A finance charge is the SUM OF ALL CHARGES and does not include charges of a type payable in a comparable cash transaction. You will see in my contract that there is a down payment of {$1500.00}. During my consumer credit transaction, Exeter asked me to put down more money so my monthly payments would be less than what they are. In actuality, there should be no monthly payments because I used my credit card for this transaction. There was also no insurance provided in my finance charge which is a violation of 15 USC 1611 and 15 USC 1605. No one stated clearly and conspicuously what my finance charge covered and did not clearly and conspicuously disclose my right to recission or provided me with the appropriate forms. During my consumer credit transaction, I never received adequate notice. I am demanding to be reimbursed for my down payment and that I be paid by check double the finance charge. I was never given the opportunity to opt out for this transaction to not be reported to a consumer reporting agency
02/05/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	NC 28273	Web
On Sunday, XX/XX/2020 I was approved and paid for my car with XXXX to be shipped to my closest destination. I received full approval from Exeter Finance for the amount of the loan as sole signer. I provided all documentation for the car loan to be approved as requested. When I arrived to pick up my car and finish signing all of my paperwork I was informed at the time of pick up that I would have to have a co signer so i could complete my purchase because Exeter decided at the last minute that they changed their mind and would not accept my employment verification letter from my employer that proved my income and my new raise amount. I was mislead the entire time even after I paid for my vehicle to be shipped and paid my down payment. I had already sold my previous car and felt pressured and like I had no other choice but to have my fiance co sign on my loan. Thanks to un ethical treatment I got from Exeter I made a deal that I would have otherwise walked away from. This car loan that now shows on my credit report and my fiance 's report has damaged our financial health immensely. Because of this car loan showing on both of our credit reports we were not able to be approved for our home and have since received several denials.
09/26/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	PA 152XX	Web	Older American
In accordance with the Fair Credit Reporting Act, Exeter Finance LLC., has violated my rights, thus this complaint for Unfair Debt Collection practice. I purchased XXXX XXXX XXXX on XX/XX/XXXX. The Auto loan was finance by Exeter Finance LLC. However, on XXXX XX/XX/XXXX, l suffer a job loss. After reviewing my consumer credit report, l noticed debt collection charged off by Exeter Finance. They alleged charged amount owed {$23000.00}. Amount reported to Credit Bureau {$25000.00} ... by Exeter Finance LLC., without proving any relevant additional contact information for account transfer see attachment F. I have made numerous attempts to contact Exeter Finance to address this debt obligation, see attachment XXXX XXXX XXXX, in an effort to make a payment arrangement and received no return correspondence. Subsequently, l attempted to dispute the debt from the Credit report and the Credit Bureau reported that the debt was in fact, verified by Exeter Finance and continued to report the debt see attachment XXXX XXXX. This Continued reporting without providing me a opportunity to paydown the debt is now creating employment issues for me as well as making it difficult to get hired due to the derogative reporting by Exeter Finance.
04/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 313XX	Web
XXXX XXXX XXXX {$22000.00} There is no valid claim, no contracts exist ... account was settled with creditor and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights..
06/01/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 765XX	Web
I checked my bank account this morning, and noticed that the company ( Exeter Finance ) that I received an auto loan from charged me 3 times for the same payment of XXXX $ for XX/XX/XXXX. I called them first to figure out why they took this much money out of my account and they told me it was my doing and that I needed to call my bank because there was nothing they could do ( in a very rude manner ). I called my bank and they told me that the merchant ( Exeter finance ) could reverse the transaction, however I told her they did not either want to do that or they simple just lied to me. My bank said that I could file a dispute once the transaction showed as processed. But right now all it is showing is processing. From what I have been told a transaction dispute takes up to 90 days an I have rent coming up on the first of this month. I do not have time to wait for a dispute to get resolved when there was no fault of my own involved. This is the second time this company has put me in a bind to where I can not pay my rent and I am reporting this because I shouldnt have to deal with extra fees, transaction, and payments when I pay my bills on time every month. This company has never had a late payment from me for over 2 years.
12/19/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	AZ 85742	Web
I sold my vehicle to XXXX. The vehicle was financed through Exeter Financing. XXXX contacted Exeter Financing and got a payoff quote for my loan. I gave up my vehicle and {$2500.00} cash to XXXX and they closed the deal with me. They contacted Exeter Financing and they got the payoff quote. I signed all of the paperwork and walked away, free of any more responsibility to Exeter Financing. Now, Exeter Financing is saying that I owe them more money. I have all of the paperwork from XXXX and notarized documents that show I paid off this vehicle. I am not responsible for any miscommunication between Exeter Financing and XXXX. I closed this financial obligation and I want Exeter Financing removed from my credit report. I have spoken to both Exeter Financing and XXXX and I have received nothing but negative, adverse responses from Exeter Financing. XXXX has assured me that I have no further obligation to Exeter Financing and that they have attorneys working on this matter. I was told by XXXX XXXX at XXXX that I am not responsible for any further financial obligation. She is the XXXX Agent that negotiated the payoff with Exeter Financing and notarized the paperwork. Please remove Exeter Financing from my credit report. Thank you.
05/25/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 30012	Web
I reviewed my car loan contract and the contract I signed did not EXPLAIN how my payments would be applied if late. When they apply the payments there are no guidelines to follow. It simply says on the contract they applied them how they see fit. I reviewed my payments and realized I paid XXXX some months and for more than a year. They never applied any payments to interest. When I call and ask for a description of why they never applied such large payments to the principle they could not give sufficient explaination, they simply applied it to what the called the interest. In this case the consumer never knowing how much interest they are paying and what is it based on. I figure my interest should be now around 6 dollars a day and if late 2 days, the ADDITIONAL interest should only be at XXXX dollars a day. Remember the amortization schedule includes the principle and interest.Exerter ignores the schedule and applies the payments to a falsly calculated interest bucket that doesn't take into account the schedule. Exeter finance is in breach of the truth in lending act. They need to re review my loan and all of its customers for the miscalculated interest. And also pay fines for not presenting a fair and legal contract.
03/18/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	LA 70127	Web	Servicemember
During this Covid-19 pandemic many people were laid off, fireworks furloughed, I happened to get furloughed. Although I'm furloughed I continue to make my car payments, maybe not in full but I pay more than half and have never been more than 30 days late making my car payment. Instead of this company trying to help it's consumers it is tacking on late fees & miscellaneous fees without any explanation of what the miscellaneous fee is or why during this pandemic are consumers even being charged late fees when we're already struggling due to the pandemic! My late fees ( {$180.00} ) & miscellaneous fees ( {$60.00} ) total {$250.00} on top of an already {$510.00} car note! I feel that while we're fighting this pandemic this company should be trying to help it's consumers not trying to make extra money off of people during this difficult time! This company hasn't done one thing to help since this pandemic except call everyday to state the obvious that your payment was due 3, 4, 5 days ago not 30 days, not 2 weeks but a few days! I will never deal with this company again & will tell anyone who will listen to NOT get any type of loan through this company! They only care about money & have horrible finance rates & practices!
05/09/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 90740	Web
Exeter Finance gra nted me an extension, verbally, and continued to report the account as if no extension had been granted. They charged me a late fee and sent me a default notice, reported to credit agencies and failed to get me the necessary paperwork to complete. After submitting a complaint to the BBB I finally received the form and they are still pursuing claiming I am in default and are charging me excessive fees. On top of that their representatives twice told me to make my payments on days that in reviewing my summary added late fees. They said for processing reasons I needed to make the payment on Saturday I was charged extra for it. I have gone to them on several occasions and that provide no assistance and resolution. They are making a fortune off of these loans and are setting borrowers up to fail. This business drives borrowers into repossession. Exeter is making money charging outrageous rates, providing no service and repossessing cars. I would also like the CEO informed so he knows the business practices oh his employees. XXXX XXXX has offered no assistance, only emailed me my contract and payment history that did not reflect any actions the Exeter Representative took on XXXX / XXXX / 17 .
06/13/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	OH 445XX	Web
First I would like to say this company is the worst. My auto loan contract is extremely unethical, and fraudlent with excessive interest rates. At the end of my term I would have paid well over {XXXX for a {XXXX} vehicle. Moving forward, I was involved in a car accident, and my vehicle was deemed a total loss. The claim took several months for my payment. XXXX XXXX was aware of the total lost and received payment from the insurance company, along with a XXXX claim to cover the remaining balance. During the XXXX process, XXXX XXXX charged off my account and now I have a auto loan charge off on my credit report. My XXXX claim has sent in the payment, however XXXX XXXX is still showing a remaining balance of {XXXX}. I have the letters from my insurance company, with proof of payment and my XXXX claim showing the final cost covered for the car. XXXX XXXX has charged an excessive amount of interest and late fees during the XXXX claim. I am unable to purchase another vehicle due to the inconsistency reporting from XXXX XXXX, its affecting my life drastically. I should not owe anything especially if I had a XXXX claim with the insurance payment. XXXX XXXX has not even notified me when my account was charged off.
12/13/2017	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	TX 79424	Web
My husband totalled our XXXX XXXX XXXX on XX/XX/XXXX. We notified Exeter immediately and advised them the insurance company would move the vehicle. Conversation recorded. We spoke with and updated Exeter on status several times. Again On XX/XX/XXXX, I spoke with Exeter for 13 minutes explaining XXXX would move the vehicle and we would begin negotiations for payoff. Exeter moved the vehicle without permission and effectively repossessed a vehicle that was not in default. They say they mailed a notification on the XX/XX/XXXX and had tried to reach me prior. ( Again I spoke with them 13 minutes on the XX/XX/XXXX ). They did not. I only saw the notification by looking at my account at a later date. We are still attempting to negotiate payoff. Exeter has made it clear they refuse to release title or work with me on the insurance claim. When I spoke with an agent recently, she became upset that I was recording the conversation and refused to talk further. Each time I call they seem very concerned about recording because of the illegal nature of thier dealings concerning this matter. They have reported a repo on my credit report drastically effecting my score and have made no attempt to help resolve the issue.
10/09/2020	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	ME 044XX	Web	Servicemember
The original loan XXXX {$9500.00} and was taken out the end of XXXX. The insurance company sent you two checks, one for {$7400.00} and the second check was for {$1700.00}. These two checks total {$9300.00}. I also paid over 24 monthly payments On this loan. Where is all the overpayment money? Why did I receive several phone calls from a lady from your company requesting I pay her {$2000.00} over the phone or she would ruin my credit? I have the dates and times of phone calls. She said they never received a check from my insurance company but the insurance company provided XXXX tracking information and a check cashing date. She would only describe the {$2000.00} as other This account was originally removed From my credit reports from my credit reports because of inaccurate information But she followed through with her threats and put it back on my credit report. I do have screenshots of my credit reports where my XXXX account was completely removed and then put back on my credit after her threatening phone calls using a start date XXXX instead of when the original auto loan was opened in XXXX. Also, not providing complete or accurate information when put back on my credit report. Please advise thank you
08/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44105	Web
Exeter Finance stated they would continue to report on my credit if I dont file a identity theft claim. Exeter due to section 623 of the fair credit reporting act your company must show valid proof that this debt is belongs to me. Your company has failed to due that with many poor attempts to do so. To answer your question from last complaint from car dealership. During the process was told I wasnt needed and XXXX Income was sufficient enough to get the loan on her own. While the loan was being signed I was cracking jokes with the salesman stating this is his last day. XXXX only signed her name and as proof neither of thos signature match ours so either your company or dealership attempted to correct a mistake and sign my name. No claim has to be made on my end you have to validate debt because thats how the law works. Unfortunately for your company as you stated dealership provided you the copy of the documents think you should take that up with the dealership. Please come and get the car I will not be making anymore payments on the car. I've attached cfpb complaint, Identification with vital information removed partial due to cfpb stating not publish vital information, signature of another contract
06/05/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	NJ 085XX	Web
Loan with Exeter Finance for a XXXX XXXX XXXX. The loan amount of {$10000.00} was paid in full on XX/XX/XXXX and the account was closed on their end but they will not update it on my credit report. The amount keeps increasing however leading to my credit dropping. I have contacted them multiple times regarding this and they always say end of the month do not worry or its the credit bureaus fault. On XX/XX/XXXX, I purchased a new vehicle through XXXX XXXX XXXX XXXX in XXXX, NJ. I traded in my XXXX XXXX XXXX and made an agreement with the car dealership that they would pay off my existing loan of {$10000.00}. They did and the check cleared on the XXXX of XXXX, XXXX. I called Exeter Finance to confirm and they confirmed and told me my account was paid in full and closed ( screenshot attached for the confirmation on Exeters customer portal ). I was told by the end of the month, everything would update and that it would reflect as closed and paid in full. It is now XX/XX/XXXX and nothing has updated. They always tell me theres nothing they can do and that I have to wait and seeming how this account is current and keeps updating, it is affecting my scores still although the account has been paid in full.
01/17/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	LA 70802	Web	Servicemember
Ive signed a contract with XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX. The financing is done through Exeter Finance LLC. Now Ive had problems with this car since a week after driving it off the lot on XX/XX/XXXX, where it states on my diagnostic through the vehicle that nothing is wrong but a check engine light came on that same day like it was hidden in the system. I also have proof that my odometer was rolled back by 45 miles prior to selling me the car. I also had a warranty added on that I was not notified about that was active for two years that wouldve helped but based on my research they are a scam company and do not pay out when it comes to replacement repairs. I have also been put into financial hardship further with this car because my car payment on contract is {$340.00} with interest rate of 28.99 % but with contract with XXXX XXXX it says {$340.00} with interest rate of 27.99 % and was told that this was a relatively low number especially with a co-signer and a required down payment by the dealership. I am honestly upset by how to the untrained eye it can look like my contract is great but to those who are experienced in the vehicular industry have said Ive been basically sold a dream.
06/06/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 27405	Web
On XXXX, 2023 and on XX/XX/2023 I sent two certified letters to Exeter Finance asking them to validate debt that I have with them. I specifically asked that they provide me with any written or contractual agreement that I have with them regarding debt they say I owe while being in compliance with the Fair Debt Collection Practices. Exeter Finance responded with inaccurate information, they did not provide the requested information to prove and authenticate a debt that I have with them. I further explained in my letter that according to state and federal law as defined in consumer debt practices, I do not owe them a debt and they have yet to validate any debt owed. Based on their meaningless claim, they have my personal information and is using it without my my consent. Such actions, Exeter Finance has reported inaccurate information about me to each credit bureau. These actions defame my character which adds hardships to myself and family. I have attempted to resolve this matter with Exeter Finance and as of XX/XX/2023, they still say I owe a debt to them but they are unable to authenticate any debt or produce any signed contract that I have between their company XXXX Exeter Finance ) and myself.
04/18/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	FL 331XX	Web
I take this loan back in XX/XX/XXXX. In XX/XX/XXXX when the Covid 19 Pandemic started i lost my job i contacted Exeter to explain the situation and they just allowed me to extend 1 month payment. MY wife was the only one working at that time and we made an extremely sacrifice to pay this loan, i called several times to request late fees waived and never were waived, so many companies did not charge late fees during that time but this company charge every month almost {$40.00} in late fees. My loan matured XX/XX/XXXX and at that time i had late fees outstanding in amount of {$1400.00} I called them and explained that i don't have almost {$1400.00} to pay at once they told me they understand but they reported me late 30 days just because the loan was matured and was not pay in full. they are reporting loan to be past due 30 days just because i did not cover late fees at the maturity they are reporting false and inaccurate information causing my credit to drop by XXXX points. The loan was not 30 days late the loan was not pay in full because of the late fees accumulated. i request a courtesy waiver and i don't have any response as of yet. I paid XX/XX/XXXX and then made 2 payments in XX/XX/XXXX.
08/20/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	NC 289XX	Web
I am writing to address a deeply concerning and inappropriate incident that occurred in relation to my car purchase at XXXX XXXX in XXXX, Ga dealership. My intention is to bring to your attention the unprofessional and deceptive conduct I experienced, which I believe reflects poorly on your establishment 's values and practices. As a recap, I visited your dealership with specific requirements for my vehicle purchase, including a maximum APR threshold and the inclusion of full Gap coverage. Regrettably, these requirements were not upheld, and I was left deeply dissatisfied with my experience. Exeter Finance is the company that they financed me through but told me I had a lower APR and gap coverage but after 3 months I found out it was all a lie. However, what transpired afterward has left me both shocked and disappointed. After 2 months an individual from XXXX XXXX XXXX drove a considerable distance of two hours, in the middle of the night, to surreptitiously place the necessary paperwork from Exeter Finance in my car. While I acknowledge the effort made to rectify the situation, this action raises serious concerns about the transparency, honesty, and ethical standards of your dealership.
05/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85043	Web
The credit reporting system is dependent upon my consumer report displaying fair and accurate information. OnXX/XX/2021 - EXETER FIN Account Number : XXXX added a derogatory mark on my credit report per XXXX. This information is completely inaccurate, also is a violation and unfair to me because I was never notified when the inaccurate information was furnished and I was never notified when during the agencies initial investigation that they were going to report the information. This grave error by EXETER FIN has undermined my confidence in the companys procedures. This company is a powerless elaborate mechanisms and this mishap that this company has caused has ruined my reputation and adversely affected my credit worthiness. This company assumed this role and was not given expressed permission by me the consumer, or a competent court of jurisdiction, so not only did this company fail in the initial investigation of this information. They also assumed this role, and assumed this inaccurate information was valid. Which is a violation of my consumer rights. according to the FCRA EXETER FIN has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
03/30/2017	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	NV 89701	Web
I have for momths been having issues with exeter finance company. 9 out of 10 times i am greeted with rude csr 's. I have a set prompt of validation questions on my account and have spoken with several supervisors about this and still everytime i call in theres a problem. The representatives are rude and bring me to thw point of just wanting to surrender the car. This company has partneredwith a corrupt dealership to get us ina car we did not want in the beginning and now have been locked in an interests rate that is more than double paying for the car or as if i were buying to brand new cars. They have offered no refinance options and at this point i am in the process of getting a lawyer to mediate the outrageous, unethical amd potentially illegal terms of this contract. I have called on several times to tey to reaolve matters with this company. This car and interests rate is so hi im going to soon just drive it back to the dealership and leave it there. Crooked finanace company with a crooked XXXX XXXX and XXXX. I tols them after i gad the car the first couple pf days i didnt want it but was told i was stuck with it. Horrible service high interests im just over this scandalous company.
06/04/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	FL 33634	Web
On the XXXX day of XX/XX/XXXX, I went to XXXX XXXX XXXX to purchase a vehicle. The vehicle I bought was a XXXX XXXX XXXX XXXX listed at {$14000.00}, I was advised that a down payment of {$2000.00} was required to obtain my car. I was also coerced into believing that I had to be fully insured before I could leave with my car ( 15 US Code 1605 c ). I was not given my right to rescind ( XXXX2 CFR 1026.23 ), nor was any document in my contract explained in full detail without prejudice. Many fraudulent acts are indicated throughout my contract with XXXX XXXX XXXX. First, being indicated on my retail installment sale contract XXXX XXXX XXXX is my creditor, but I am making payments to Exeter Finance of {$430.00} a month. The payments I am making on my car should be going directly to XXXXXXXX XXXX XXXX, which they are not, so my identity was heisted to be sent to the 3rd party- Exeter Finance , to open a loan for {$17000.00} in my name ( 15 US code 1605 a ). My retail purchase agreement has many discrepancies compared to my retail installment sale contract. To give insight into the differences, the model of my car is incorrect, the odometer isn't the same and the charged amounts are different.
07/12/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	SC 29910	Web
On or about XXXX of 2023 Exeter Finance called my phone and told I, the consumer that they have sold my contract to XXXX. 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer credit report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INSTRUCTION to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately.
06/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85205	Web	Servicemember
On XX/XX/XXXX ; I had agreed to an auto refinance for my then XXXX XXXX XXXX. The company that solicited me the refinance offer was called XXXX and they had assigned the loan to a company called Exeter Finance LLC. Issues with the loan refinance arose after it was assigned to Exeter. Exeter never filed for a new Arizona auto title, and never perfected the lien on the vehicle. About a month later, I recieved the previous title that was cleared of any liens. I had verified with the state of Arizona Department of Transportation Motor Vehicle Division that no lien was placed by Exeter. I attempted to speak with Exeter customer service about the huge issue with the title and was ignored. At one point I was threatened with reposession despite Exeter not having legal ownership via a perfected lien. Eventually, I had enough and sold the vehicle to a local dealer which had no issue transferring the title. Exeter then charged off the loan and marked it as a reposession despite no reposession ever taking place. They placed on my credit bureau this reposession that doesnt exist. Exeter by their failures with this loan has not only destroyed my credit, it has caused emotional distress and anxiety.
06/29/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	MD 20854	Web
On XX/XX/2019 I travelled to XXXX XXXX of XXXX, MD to test drive, compare pricing and and ask about financing options. Three hours later I left the dealership at end of my visit dazed, frustrated at the events just happened. First, I left the dealership with a car I did not select. And an {$20000.00} auto loan that was approved without proof of income. In addition, my credit report was run and showed *poor credit. Moreover, I left with an installment loan payment of {$120.00} more than what Im currently paying. Further, the loan agreement has close to {$4000.00} in additional charges over the sale price of auto. On XX/XX/XXXX I tried to return the veichele to XXXX spoke to a manager and explained to manager all of the above and he refused to take car back. I explained for 2nd time to Manager their is no way I can pay this payment.. The loan was approved without proper validation of income. In summary, from the account executive that sold me the car to the auto finance Exeter .I firmly believe I was the victim of Deceptive and Unfair Sales and Finance Tactics that have potential to bankrupt me due to my poor credit. Exeter Currently charging 21.47 APR and is a debt collector
11/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 35022	Web
I have been writing to Exeter Financial and the credit reporting agencies for months disputing the incorrect reporting that Exeter has put on my credit reports. Exeter is reporting late payments for months after my account with them was paid in full and closed. I received letters from Exeter stating that they are not willing to change their reporting on my credit report. This letter was sent certified mail with tracking # XXXX. I tracked the letter sent to Exeter to be sure that they received it. I have written to Exeter 's dispute dept, XXXX XXXX XXXX ( CEO ), XXXX XXXX ( President & COO ), and XXXX XXXX ( XXXX ). Exeter absolutely refused to correct their reporting of this account. I have all the letters that i sent to them and all of the letters that they sent back stating that they would not correct their listing on my credit report. Under the Fair Credit Act this is illegal reporting and bad business practice. I have disputed this with XXXX, XXXX, and XXXX. I only get letters from all the agencies stating that the listing has been investigated and it is an accurate reporting. I know that this has not been investigated because it is clearly reporting inaccurate information.
11/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 35022	Web
I have been writing to Exeter Financial and the credit reporting agencies for months disputing the incorrect reporting that Exeter has put on my credit reports. Exeter is reporting late payments for months after my account with them was paid in full and closed. I received letters from Exeter stating that they are not willing to change their reporting on my credit report. This letter was sent certified mail with tracking # XXXX. I tracked the letter sent to Exeter to be sure that they received it. I have written to Exeter 's dispute dept, XXXX XXXX XXXX ( CEO ), XXXX XXXX ( President & COO ), and XXXX XXXX ( CFO ). Exeter absolutely refused to correct their reporting of this account. I have all the letters that i sent to them and all of the letters that they sent back stating that they would not correct their listing on my credit report. Under the Fair Credit Act this is illegal reporting and bad business practice. I have disputed this with XXXX, XXXX, and XXXX. I only get letters from all the agencies stating that the listing has been investigated and it is an accurate reporting. I know that this has not been investigated because it is clearly reporting inaccurate information.
03/15/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	VA 22193	Web	Servicemember
On XX/XX/2020 I contacted exeter to inform them that a payment will be sent in full to them of for the balance. We paid {$7600.00} for the remaining balance of the vehicle to be paid in full. They said they had not received it. On XX/XX/2020 we had confirmation that it was delivered. When I contacted the company on XX/XX/XXXX they advised that it would take less than 48hrs to process. I called back on XX/XX/2020 and asked if there were notes it was received and they said no to send an email with the tracking information and someone would respond within 24hrs. I had not received response. On XX/XX/2020 I called and was advised because I did not have the check number she couldn't help me. I asked to speak to a supervisor who advised all the information provided was false and it takes 3-5 business days. I had received two different payoff amounts but off which we had overpaid out of our own pocket. We received notifications that our credit score was reduced by almost 60 points because the account shows closed instead of paid in full. We did not close the account we paid it off out of our own pocket. Exeter should have placed the accurate status of the account and failed to do so.
11/16/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33309	Web
XX/XX/XXXX Attention : XXXX Full Name : XXXX XXXX Full Address : XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX Social Security : XXXX Email : XXXX Reasons : I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law XXXX, title X, XXXX Stat. XXXX ( XXXX ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX Account Number : XXXX Date Filed : XX/XX/XXXX Type of Account : Collection Address : XXXX XXXX XXXX, IL XXXX Phone:XXXX Reason : THIS IS INACCURATE Account Name : Browardadjus Account number : XXXX Date Filed:XX/XX/XXXX Type of Account : Collection Address : XXXX XXXX XXXX FT.LAUDERDALE, FL XXXX PHONE:XXXX Reason : THIS IS INACCURATE Account name : EXETER FINANCE Account number : XXXX Date Filed : XX/XX/XXXX Type of Account : Collection Address : XXXX XXXX XXXX XXXX, IA XXXX Reason : THIS IS INACCURATE Type Of Account : INQUIRY Account name : XXXX XXXX Date filed XX/XX/XXXX
04/21/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	MD 20602	Web
I participated in a consumer credit transaction XX/XX/2020, with XXXX XXXX XXXX XXXX. Pursuant to 15USC 1635 ( a ), I was never told I had 3 days to rescind the agreement and didn't receive required disclosures. The dealership failed to clearly and conspicuously disclose my right to rescind. Pursuant to 15 U.S. Code 1605 the finance charge in connection with any consumer credit transaction shall be determined as the SUM OF ALL CHARGES which was never disclosed to me, and they are in violation. The dealership also accepted a cash down payment of 2,000.00 dollars violating 15 U.S. Code 1605 which clearly says the finance charge does not include charges of a type payable in comparable cash transaction. The dealership is also in violation of 15 U.S Code 1692J ( Furnishing certain deceptive forms ). I received a phone call today from XXXX XXXX the General Manager at XXXX XXXX XXXX XXXX. He then had the Director of Finance XXXX XXXX called me who stated I needed to take this up with Exeter Finance LLC, who I never gave my information to directly. I sent Exeter Finance LLC an Affidavit and they never responded. They only sent a copy of the contract and my Affidavit back to me.
08/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 295XX	Web
Every time that I dispute this item with the credit bureaus, Exeter Finance makes updates to my accounts resulting in a credit score drop of 20+ points or more. During my last dispute that illegally re-aged the account by changing the date of first delinquency resulting in a credit score drop and as of today they have changed my payment history to reflect serious delinquency resulting in my XXXX score dropping XXXX points. The account has been closed for over 2 years and sold over a year ago. Quite honestly, I'm sick of them and the petty games they play every time I exercise my right to challenge INACCURATE items on my credit report. Their actions are illegal and if I must keep enduring their attacks every time I challenge their INACCURATE reporting, I will have no other choice but to issue a notice of pending litigation seeking relief and monetary damages under the FCRA Section 616 & Section 617. On XX/XX/2019 I was 30 days late on a payment. They changed it to 60! How could I be 60 days behind when I was in good standing on time, the prior month? After XXXX, the subsequent months were then changed until i was " 120 '' days behind in XXXX. THIS IS FALSE REPORTING
03/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 338XX	Web
I have communicated several times with this creditor and I have let him know on many occasions that this account is not mine, I have sent him a police report, I sent him 2 documents from the federal trade commission where these documents explain that I was a victim of theft of identity and they send me a letter saying they do not have enough evidence to substantiate that I was a victim of identity theft and this account is not mine. They allege that they have my cell phone number on the account and that is why this account belongs to me, I alleged that the phone number that appears on that account is not mine and they do not want to do anything. Apart from this they are discriminating against me because I do not speak English and a customer service employee always has to translate for me and they do not translate 100 % what I allege. This is hurting me and I need them to fairly evaluate and prove that I am not the person who opened this account.This week the Detective will be going through the dealer where this account was opened to request some document that the person used to validate his false identity such as ID or passport of the person who opened this account.
10/15/2019	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	IL 60620	Web
In XX/XX/XXXX, I brought my vehicle, it was stated to me that I'll be able to refinance my vehicle within one to two years. XX/XX/XXXX and XX/XX/XXXX, I spoke with a representative from Exeter Finance stating when I'm ready to refinance my vehicle that I can do so with them. I was guaranteed on three separate occasions that I'll be able to refinance my vehicle. In XX/XX/XXXX, I was trying to refinance my vehicle, I spoke with a representative and I was told that I'm not able to refinance my car. I called back again just to verified that I heard correctly, I was told that Exeter Finance DOES NOT refinance vehicles. At this point, I realized that I was fooled by the dealership and by Exeter Finance, I asked this question several times. From this point on, I researched several different financial institutions and all of them denied me of refinancing my vehicle, I've never missed a payment and now I stuck paying a 26 % interest rate that I still owe {$6500.00}. Exeter Finance was very dishonest and they refused to decrease my interest rate despite that I haven't missed not one payment and I was told several times in XX/XX/XXXX, that I'll be able to refinance my vehicle.
08/21/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	TX 77396	Web
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX, from XXXX XXXX XXXX on XXXX XXXX XXXX @ XXXX, XXXX, TX, the salesman acquired a {$12000.00} loan through Exeter Finance, LLC. with a 24.1 % interest rate. The interest rate was not explained to me ; however, I told the salesman I had {$1000.00} for a down payment and I did not want my car note to be more than {$350.00}. My credit was fair, so I did not expect to get taken advantage of. The salesman even told me I could bring the vehicle back to XXXX XXXXXXXX and trade it in after 6 months. I attempted to trade the vehicle recently only to be told I still owe XXXX, XXXX on the vehicle, which is valued at approximately {$4000.00}. I have been paying on this vehicle for over 3 years, I even made additional payments which were supposed to be going to the principle of the loan only to discover it went to the interest. I believe this was a fraudulent loan and the salesman must have received additional money for getting me to accept that high interest rate. What happen to me was extremely unethical at the least. Things are hard enough due to the COVID-19 pandemic, then to discover I been ripped off really stressed me out.
11/02/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Loan opened without my consent or knowledge	PA 19104	Web
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX Visit XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX, XXXX submitted fraudulent loan documents to Exter finance LLCXXXX XXXX the director of loss mitigation ( XXXX ) XXXX keep on calling me stating, I didnt sign the contract. for a stolen XXXX XXXX XXXX which was stolen from me XX/XX/XXXX when I parked it in front of XXXX XXXX XXXX XXXX, XXXX, Pa XXXX. I didnt know of this until the threatening calls from XXXX XXXX who took my information and uploaded it on Exter financial website who illegally took {$360.00} a month with {$2000.00} down payment, from XXXX XXXX XX/XX/XXXX for a stolen car. Pa state trooper XXXX XXXX stolen car unit. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX I went to him on XX/XX/XXXX in person on the bus and reported my car stolen to him. He stated, my car was stolen and he brought me tags in XX/XX/XXXX for the car that was stolen. XXXXXXXX dot never gave me a registration card due to the incorrect title XXXX submitted for the stolen. XXXX police report the car stolen on XX/XX/XXXX, when they pulled the suspect over. XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
05/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94513	Web	Servicemember
Re : Unauthorized credit inquiry I am writing to request the removal of an unauthorized credit inquiry on my XXXX, XXXX and XXXX credit Report. My latest credit report shows a hard inquiry from your company. Ive had a security freeze and fraud alert on my credit file since 2007. According to the FCRA data furnishers are responsible for reporting accurate credit information. The FCRA also states a potential creditor must adhere to FCRA fraud protection guidelines. As a consumer I have done my due diligence to seal my credit file. Utilizing the credit freeze feature and fraud alert feature. Your company is in violation of the Fair Credit Reporting Act. My credit file was accessed illegally by your company. My credit file clearly states a company must contact me via phone to ask identifying questions. Your company allowed someone to gain access to my credit file to apply for credit I did not authorize. Please remove unauthorized inquires from my credit file. I would appreciate a copy of my credit file once this issue is resolved. Unauthorized account information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Thank you, XXXX XXXX
11/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 380XX	Web
In accordance with the Fair Credit Reporting Act the list of account ( s ) below had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. EXETER FINANCE LLC account # XXXX 15 U.S.C 1681 section 602 states : I have right to privacy. 15 U.S.C 1681 section 604 A section 2 it also states : a consumer reporting agency can not furnish an account without my writing instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions Of crimes which antedates the report by more than 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. also when receiving a XXXX the account must be removed or the balance must state XXXX because the debt is paid and satisfied. I want the account to be removed from my credit report. Here is a copy of proof of my claim. It was approved by the IRS.
12/09/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	IL 60623	Web
On or around XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX located on XXXX XXXX XXXX I got approved for financing through Exeter finance with a car note for {$700.00} The dealership pressed me for a down payment of around {$3500.00} which I paid unknowing that since I had already been approved for financing I didnt need to put down a down payment. This was the second vehicle I had purchased there within a years time time. In XXXX of XXXX purchased a new XXXX XXXX XXXX for my daughter and put down a {$2000.00} down payment as well, again I was approved for financing through XXXX XXXXXXXXnO will also add in both cases I was advised over the phone of my financial approval. I believe that this pressure for down payments were again my credit rights and violated truth in lending practice according to TILA 15 USC 1635 and 1662. I am feeling like I was taking advantage of because I was a woman. And I am asking that The dealership be held responsible and that these loans be remedied by them as a financial compensation to me and that I receive both car titles as paid in full. am also asking to be refunded the amount of my down payments for both vehicles.
03/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 43209	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name # XXXX XXXX XXXXXXXX XXXX XXXX Account name # XXXX XXXX XXXX Account name # XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
12/23/2021	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 33028	Web
To whom it may concern, I am writing in regard to the below referenced accounts and transactions. Account:XXXX This vehicle was repossessed by Exeter Finance LLC in the State of Florida on or about, XX/XX/XXXX, and resold on or about XX/XX/XXXX. Under the laws of the State of Florida UCC XXXX and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies. Best Regards,
03/29/2019	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	GA 30458	Web
I had an auto loan with Exeter Finance for {$13000.00}. I became sick and my income changed. Exeter would not refi the loan. The auto ended up being repo-ed. I spoke with Exeter to get the remaining balance of {$8200.00} XX/XX/2018. I made {$7900.00} total in payments. The interest rate was @ 24 % on the {$7900.00} of payments = {$1900.00} in interests would seem = {$6000.00} was applied toward principal = {$7600.00} remaining balance. The car auctioned for {$7000.00} - {$7600.00} remaining = {$670.00} + {$1200.00} repo fees = {$1900.00}. Exeter has reported to all three credit bureaus a remaining balance of {$6800.00} which is not even close to the correct amount owed. I have disputed the amount on several occassion to no avail. I dont have a problem with paying what I owe. I have a problem with paying what I know I do not owe. I have talked with Exeter about this incorrect reporting as well. I requested a transaction log from the beginning of the loan until auction how all payments were applied. I have not received this information to date. The account on Exeter page does not show the break down of the payment as applied to the {$13000.00}.
05/27/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33319	Web
I, XXXX XXXX, entered into a consumer credit transaction with EXETER FINANCE LLC on XX/XX/XXXX. I used my credit card as defined under 15 USC 1602 ( l ) and there was a finance charge involved as defined under 15 USC 1605. EXETER FINANCE LLC then took my credit and got a loan and begin to violate 15 USC 1692e because they falsely represent the status of debt. EXETER FINANCE LLC received a Cease & Desist on XX/XX/XXXX and continued to communicate directly and indirectly after that date violating 15 USC 1692c ( c ). EXETER FINANCE LLC is violated 15 USC 1605a finance charge does not include charges of a type payable in comparable cash transaction. EXETER FINANCE LLC also violated 15 USC 1692f ( 6 ) when they to non judicial action and dispossession the property on XX/XX/XXXX. EXETER FINANCE LLC violated 15 USC 1635 ( a ) by failing to clearly and Conspicuously disclosure all disclosures to me in regards of my Right of Rescission, they also failed to provide me with the appropriate forms to execute my rights.On XX/XX/XXXX I sent EXETER FINANCE LLC and written Notice of Rescisson and they have failed to follow through with my written instructions.
06/01/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	OR 97266	Web	Servicemember
Exeter was gracious enough to honor me with a loan on a vehicle. Which I repaid the guester in kind with making on time payments. Every single month. The car got totalled in XX/XX/2023. I spoke with insurance and Exeter in regards to process of handling the claim from both insurance and banking ends. As you see from Exeters own accounting I was never late on a payment. In XX/XX/2023 my insurance company paid 99 % of my loan off and on XX/XX/XXXX I paid the remainder of balance of {$410.00} to bring the account PIF. I paid in full even though Exeter offered me a lesser paid off amount but it would show on my credit report as " Setted for less amount ''. And I didn't want that. Exeter has reported to the credit agencies that I was late in the month of XX/XX/2023. As you see by the attached ledger provided by Exeter I PIF on XX/XX/2023. The information Exeter is providing is false. I do not want Exeter to have the ability to just pick a month they want me to be late in. I worked hard to keep them paid for the length of the loan. No matter where the payments came from I ensured that Exeter was paid. And this is how they treat a faithful customer?
08/30/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	GA 30080	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX # XXXX XXXX, XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately please this is hurting my credit. Im in the process of purchasing a home. Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Inaccurate/not verified XXXX XXXX XXXX Inaccurate XXXX XXXX XXXX Inaccurate XXXX XXXX XXXX XXXX Inaccurate XXXX XXXX XXXX Inaccurate
01/31/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TX 75056	Web
Exeter finance is and has been in violation of several Truth in Lending Act laws as well as Federal Debit Collection Practice Act. I have made them aware in several complaints of these violations on XXXX XXXX and XXXX XXXX via this Consumer Financial Protection Bureau site. Exeter was also notified that my right to rescind pursuant to 15 USC 1635 ( a ) was withheld from me during the Consumer Credit Transaction, therefore, on XX/XX/2021 I exercised my right of Rescission and according to FEDERAL LAW 15 USC 1635 ( b ) When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. And lastly my personal property was STOLEN via an unauthorized third ( XXXX ) and fourth ( XXXX XXXX XXXX ) party that were not witness to the Consumer Credit Transaction but instructed by Exeter to steal my personal property from my abode infringing upon my right to privacy. I am the original creditor I gave Exeter credit with my signature on the negotiable instrument.
06/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11779	Web
AS OF XX/XX/XXXX Account name : XXXX XXXX XXXX Account # XXXX BALANCE XXXX Balance updated XX/XX/XXXX Original balance XXXX Date opened XX/XX/XXXX Account type auto loan Last payment XXXX XXXX Contact info XXXX XXXX XXXX XXXX, TX XXXX I have notice fraud account on my credit profile And consumer reports THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!
02/20/2017	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	TX 75287	Web
I received an auto loan from Exeter Finance on XX/XX/XXXX, 2013. The company did not go over the terms until the account began delinquent, due to not being able to afford the account. Throughout the term of the loan, I had XXXX where I could not go to work. And I advised this to them, and they did not provide options to help me. They offered me help twice throughout the time I had the loan. When I purchased the vehicle, it was over XXXX. When I looked at the account recently, the remaining balance was over XXXX, how does a person is the span of 4 years, only pay a little over 3000.00 on the car, that does not make sense to me. Come to find out I had a daily interest loan. How in the XXXX am I supposed to afford that type of loan. To me that is predatory lending. I am disgusting by this company. They harassed me over and over and over, when I explained my situation. There is no way any one should pay XXXX on a car loan. They have caused me emotional distress by repossessing the car, not from my house, but from private property. I need them to remove this from my credit, I will be forced to take legal action, towards their predatory lending.
10/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60402	Web
I filed a complaint with the company and the consumer financial protection bureau XX/XX/2022 in regards to Exeter publishing my information per the CRAS. Exeter is in clear violation of the law, the initial complaint was about them publishing transactions on my credit report in which pursuant to 15 usc 1681b- permissible purposes of consumer reports-a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates. Furthermore, the Fair credit reporting act 15 usc 1681 ( 2 ) ( a ) ( I ) - ( 2 ) -EXCLUSIONS-Except provided in paragraph ( 3 ), the term consumer report does not include- A ) -subject to section 1681s-3 of this title, any- ( i ) - reporting containing information solely as to transactions or experiences between the consumer and person making the report ; The reporting of my experience and transactions is illegal and furthermore has damaged my character, my reputation, my general mode of living, bd my ability to obtain credit for personal and house purposes.
01/25/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	GA 315XX	Web
You ( Exeter ) stated that you do not communicate with or negotiate with borrowers. I am not a borrower ; I am, in fact, the true creditor. You also stated that you couldn't provide any evidence on the phone call concerning a repossession. I have the time and date of the call and also a recording of the specific incident that will, if possible, be used during litigation. My wife received the call while on her way to work, being that her number is on file. She was coerced into making a payment so the vehicle wouldn't be repossessed while she was working. The contract that I have with you is fraudulent, and I have sent legal documents with federal laws to you ( XXXX XXXX XXXX XXXX, XXXX XXXX ) that were violated. What I was signing was not made clear to me. I am demanding that you ( Exeter Finance, LLC ) remove this from my credit report ( XXXX, XXXX, and XXXX ) along with compensating me for each violation made in my contract. If this is not resolved within the next 15 days, I will file a 3949-A form with the IRS due to fraudulent activity, as well as sue for my mental distress, financial hardship, and violations of my consumer rights.
04/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	MI XXXXX	Web
On XX/XX/XXXX I sent a certified letter to Exeter requesting proof of " written authorization '' by me with my signature to pull my credit. Exeter only responded I submitted an application for credit on XX/XX/XXXX, however failed to produce said signed application as requested. Thus I am assuming they have to such documentation and do not have written authorization from me to themselves to run my credit and are in violation of the FCRA by failing to do so. According to section 604 permissible purposes are : Firm offer of credit, insurance, employment and court order. Section 604 also states the consumer MUST give " written instructions ''. I have attached an FTC advisory opinion ( below ) which interprets Section 604 of the FCRA on what is both permissible and considered " written instruction ''. According to this FTC advisory opinion Exeter is in direct violation of Section 604 of the FCRA. I again request that the UNAUTHORIZED inquires be removed from my credit report or be provided proof I have given " written instructions ' to pull my credit. By providing me a copy the alleged application on XX/XX/XXXX. https : //www.ftc.gov/XXXX
12/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OK 74014	Web
Account Number : XXXX Exeter Finance LLC I accept NO responsibility for ownership of this debt ; I recently viewed some inaccurate information reporting on this repossession and charge off account. Since you're supposed to remove ANY account that doesn't have the exact information on all 3 credit bureaus. REVIEW this account immediately and REMOVE it from my credit report. Once a vehicle is sold at auction, I no longer owe the original debt and the information you have on file is incorrect : 1. The account you are reporting is identified as an installment loan which is factually incorrect. Please remove this account from my credit file immediately. 2. The true account type for this account is a Credit Sale Agreement. Please remove this account from my credit file immediately. 3. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file immediately. 4. Monthly payment reported on this closed account- how can there be a monthly payment on an account that's not even open? I look forward to resolving this matter quickly. Sincerely, XXXX XXXX
08/24/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 352XX	Web
My legal name is XXXX XXXX I currently reside at XXXX XXXX XXXX XXXX XXXX, Alabama XXXX. I am demanding that the following account listed below be removed from my credit file as it is fraudulent & inaccurate. The credit reporting agency XXXX faced a global security breach, resulting in millions of consumers personal information being exposed. As a result of this, I am a victim of identity theft. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to bring this information forth to a judge in my area, to file suit against your company for reporting this fraudulent account to my XXXX, XXXX, and XXXX XXXX reports. If you do not immediately remove these inaccurate and incomplete accounts in XXXX business day, I will move forward with filing suit against your company and all companies involved, as I have never done business with your organization and should not be responsible for any fraudulent accounts and information placed on my personal credit files as a result of identity theft. Over 60 days ago, I requested full debt validation from your company however I have yet to receive the legal information requested.
11/14/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 77095	Web
I have a loan with a finance company. I make all payments online and I have submitted {$11000.00} to said finance company without any stipulation that it would go strictly to the principle. I made these payments with the intention of having my payments covered while I recoup from being laid off. I have been trying to work this out with this finance company for months. During the first call ( approximately XX/XX/22 ) I cried and pleaded for them to please apply the money I provided towards my payments with no resolve. I was 2 days postpartum from a XXXX and I was transferred, after an already 40 min call, to manager who still disregarded my pleas and convinced me that I should sign an extension and that it would be ok and they will work with me. I did not want to sign this but I was scared, tired, and emotionally vulnerable. Since all of this began my credit has dropped severely, I am called at least 3 times a day and I live in fear of losing my only mode of transportation. I have asked multiple times to file a complaint but they would not allow me to do so until now. After threatening to file a complaint with CFPB.
07/17/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	MS 391XX	Web
Im a federally protected consumer, and I am making this complaint against Exeter Finance LLC. for committing identity theft. I have never given Exeter Finance LLC. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC \|1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Exeter Finance LLC. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Exeter Finance LLC. continues its collection efforts, I will file for litigation for actual damages caused and Exeter Finance LLC. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
07/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 91202	Web	Servicemember
On XX/XX/2021, I contacted Exeter Finance, LLC ( Creditor ) to dispute a missed payment listed on my credit reports. The account in question has been closed for over a year, as it was paid it full prior to the account monthly due date. 30 days had passed with no response from the creditor, so I called them to inquire about the dispute, one representative said the dispute was never filed by them, and another representative who handles disputes stated the dispute was still processing. I informed the representative that they must remove the account from my credit report because they are time bared according to FCRA. An additional 30 days had passed and the creditor continued to report the account being late. I then received a letter from creditor by mail that was unrelated to my dispute asking if the matter was handled. On XX/XX/2021, I sent a certified demand letter giving the creditor 15 days ( XX/XX/2021 ) to delete the account from my credit report or I will elevate the matter to include legal remedies. On XX/XX/2021, my demand letter has been ignored and the creditor continues to report the inaccurate information.
03/16/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 91411	Web	Older American
I purchased my car in XX/XX/XXXX and set it up on automatic payments. The have taken it out every month and then I actually had a dream that my car was being repossessed and it bothered me since I have never been late. I checked my bank and realized they did n't take a payment out for XX/XX/XXXX and XX/XX/XXXX. I immediately called and paid the 2 months and they informed me that I was 38 days late which will appear on my credit report. When I asked why, they had no answer. It showed I was kicked out of the system for automatic payment. I was never notified. They said they tried to call me on XX/XX/XXXX which makes no sense because I was n't late at that time. The number they had was a completely wrong number. I work really hard on my credit and I do n't think I should be penalized because of their error. I disputed it and received a letter saying that the information reported was correct. I want that 30 days past due off my report. They had no reason and no answers for me. I just got " I do n't know. '' I am attaching a copy of my credit history which they were suppose to send me to no avail. I hope you can help me.
03/05/2018	No	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	AL 35235	Web
I am a Licensed Used Car Dealer with the State of Alabama. I contacted my friend XXXX XXXX at XXXX XXXX in XXXX, Alabama to purchase a New XXXX Truck under my Company 's Name using it's DUNs Number and EIN. He explained to me that I would have to XXXX the loan in which I new. I inquired about a XXXX XXXX truck, explained to him that my Transunion score was a XXXX and that I only had XXXX Tradeline. I made specifically clear to him to tell his Sales and Finance Manager to only pull my credit once, to only use my Transunion Credit report and to only send my loan request to XXXX XXXX. Well that did not happen, XXXX XXXX pulled my credit 3 times and they sent my loan request to 19 different lenders in which is fraudulent and unacceptable. I did not give them permission to blast my information to all of the Lenders they sent them to with me knowing that my Transunion report was the only hope I had. They took advantage of me, lowered my credit scores and now preventing me from Refinancing some commercial property I am buying on a lease purchase. I want all of the credit inquiries removed from my Credit Report Immediately
10/05/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NE XXXXX	Web
OnXX/XX/XXXX I spoke with the sales manager to get prequalified with XXXX XXXX XXXX XXXX. I am completely aware that during the financing process they submit multiple credit applications. With this fact in mind, I specifically instructed the sales manager that I ONLY WANTED TO ACQUIRE FINANCING WITH XXXX. I specifically instructed the sales manager to avoid shopping my credit around because I did not want numerous inquiries on my credit report. I am in the process of acquiring a business loan and was told to avoid that sort of activity. The sales manager did not properly communicate my authorization to only submit 1 credit application to the finance manager, which resulted in the UNAUTHORIZED SUBMISSION to several lenders. The General Manager of the dealership has admitted fault and apologized for the unauthorized submissions. While it does bring me solace to know their actions were not malicious, the accidental submissions has hurt my credit report and ability to acquire a business loan. I have challenged the inquiries with the credit bureaus and have been referred to challenge these directly with the lenders.
09/08/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 17552	Web
I first contacted XXXX about the unauthorized inquiry. They informed me that I need to get a police report if I did not authorize the inquiry and to contact the actual company who placed the inquiry. I went to the police department and I have attached the document that I was given. I faxed over the information they requested just to be told that it was not good enough they needed an actual report. So unknowingly I called the police again and tried my best to get an " actual police report '' that they requested. Only to be told numerous times that they do not give actual police reports for this type of matter, only for car accidents. I added the card of the police officer whom made the report only to be told that they ca n't contact the police.Next I contacted Exeter Finance Corp the company who actually placed the inquiry on my credit only to be told that it was nothing that they could do because they received the authorization through XXXX XXXX XXXX even after I expressed to them that it was not me. I next tried calling XXXX XXXX XXXX multiple times leaving many messages unable to get anyone to assist me.
07/30/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	MD 20748	Web
Purchased auto loan on XX/XX/2022 from XXXX dealership in Virginia. I am a resident of the State of Maryland and presented dealership with all documentation ( pay stubs, utility bills, auto insurance, driver 's license ) which reflect Maryland residential status. After reviewing loan documents auto loan interest rate is 28 %. State of MD maximum is XXXX XXXX The total purchase price of the vehicle is {$31000.00} and is financed over a period of 72 months. The approximate payment amount should be {$850.00} instead of {$920.00} ( what finance company, " Exeter '', lists ). Over the life of the loan that is in excess of {$4900.00}. I called Exeter to explain their error and they agreed I was correct, however, they bounced me back to the dealership. I believe Exeter knowing booked this deal with the higher interest rate. The company is supposed to have a system of checks and balances in place so this would not happen ( XXXX XXXX ). If this has happened to me, and the loan has just been booked ) how many other people has this happened to? The rep was left speechless and could not provide ANY type of response.
04/10/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 95376	Web
Approved for auto loan with Exeter in XX/XX/XXXX. Due to the timing of when I was approved and purchased the car, my initial payment due date was set at the XXXX of the month. Shortly thereafter, I requested that my payment due date be changed to the XXXX because I only got paid once a month on the last week day of the month at the time. In XX/XX/XXXX I started a new job that has bi-monthly pay days on the XXXX and XXXX. I requested a new due date of the XXXX to coincide with my second paycheck because i have been paying late fees while making my payments on the XXXX which is past the 10 day grace period. Although I am able to go online to set up the payment for the XXXX I am still charged the late fee and still receive collection calls. They do not check beforehand to see that I have set up a payment. I am a customer that is doing her best to ensure I am making timely payments and communicating when I need more time. It seems senseless not to allow a customer to adjust the due date to accomodate their payday schedule. This is only a second request after a number of years and is only due to a job change.
07/22/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33065	Web
( 1 ) As of XXXX Exeter XXXX finance has stopped providing me with monthly statements and additionally, has failed to provide me a detail breakdown of how much interest has applied daily to my account with a daily balance despite numerous requests. ( 2 ) Exeter finance took my whole {$400.00} in interest for an online payment submission that was not submitted to my bank which was no fault of mine neither was I notified that the payment was unsuccessful. ( 3 ) As of XXXX/XXXX/2015 after my most recent monthly payment of {$400.00} Exeter finance has posted a balance dated XXXX/XXXX/2015 ( see account summary attached ) {$9700.00} however as of XXXX/XXXX/2015 I still can not see what my current balance has reflected to date since this summary balance statement has a date for four months down in the future. My husband and I have paid over $ 5000- {$6000.00} on the car already and we still have a high balance as well as we are unclear how high the exact balance is. ( 4 ) The car paint faded in two-three weeks after we purchased the car as if the paint is burnt out. we felt we were shorted on that end also.
01/09/2023	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	FL 336XX	Web
Everyone knows that recent late payments can be challenging to remove from your credit file. This letter has been designed to request a goodwill removal and can be tailored to address your own unique situation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX Dear Customer Relations : This letter is in reference to a late payment with the account number Last year due to extreme financial hardship and medical problems, I became seriously behind on several of my bills. While I normally make great effort to honor my debts and fulfill my responsibilities, at the time of the late payments I was simply financially not able to pay my bills I have since gotten back on my feet and brought my account up to date with your company. 1 am now trying to buy a home, however I am having difficulties receiving an affordable rate due to the impact of having a late payment on my credit file. I am hoping that your organization will consider removing this late payment from my credit report as a gesture of goodwill. This kind gesture would sincerely be appreciated and an invaluable gift to my family and I. Sincerely, XXXX XXXX
05/29/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	TX 754XX	Web
We have a XXXX XXXX XXXX in which the transmission has been not working for a year. We still owe XXXX on the car and our payments are {$590.00}. We have spoken to the finance company several times explaining this situation and no one is willing to assist with this matter. We were instructed by XXXX to contact consumer affairs to speak with them about fixing the transmission because we were told by a XXXX representative that the type of transmission in the XXXX models have failed and they no longer use those transmissions anymore. When we spoke with consumer affairs they had us tow the vehicle to the nearest XXXX dealership for inspection. They advised us that they will not fix it because the car is over XXXX miles. We are in the process of doing a voluntary repossession because we are paying a car payment on a inoperable car. The finance company sends emails to contact them to work something out with them but when we call there is not a solution and they tell us the only option is to turn the car back in. This situation is really hurting us financially and we really need help in resolving this matter.
09/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 331XX	Web
Good afternoon Team EXETER FI, In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Im writing to dispute for the second time the following in my file. The item i dispute alse are encircled on the attachment copy of report i received. This item # XXXX of EXETER FI XXXX disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ) is inaccurate or incomplete because ( describe what is inaccurate or incomplete and why ). Im requesting that the item be deleted ( or request another specific change ) to correct the information. Use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents ) Enclosed are copies of documents supporting my position. Please reinvestigate this ( these ) matter and delete or correct the disputed items as soon as possible
01/07/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	NC XXXXX	Web	Servicemember
this is a response to exeter finance who stated i said i stated that the account is fraudulent. however, i did not say this. in the email i sent them, i stated : " to whom it may concern, i will need my loan and account closed. i was the victim of fraud and identity theft, someone went around using my social security number without my knowledge and consent. my account number is XXXX my name is XXXX XXXX XXXX my social security number is XXXX i want you to report to credit bureaus about this to remove account information, i do not want to take any chances with this. please do so, thanks. and please come and get your vehicle that was financed. i had to file a police report and i have filed an ftc id theft report as well. thanks '' i stated i did not want to take any chances on this with my ssn being used without my consent. this is why i reported your company to the NC DOJ recently because of stuff like this. i fought hard for this country and you should do something about this account and vehicle. i surely hope you get your business shut down by the NC DOJ because of this kind of stuff. thanks
04/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NV 89148	Web
OnXX/XX/XXXX AND THEXX/XX/XXXX XXXX XXXX XXXX, and, EXETER FINANCE CORP, and XXXX XXXX XXXX XXXX pulled a hard copy of my credit report without my consent. I have been a victim of Identity Theft, and someone has been opening, different accounts, and applying for loans in my name using my information. I have filed a police report, and a Identity theft report. Over seven accounts been opened in my name, and mt credit has been ran 16 times these three companys pulled a hard copy off my XXXX and XXXX credit report on the dates above, I have not applied for loans, in yyears. I found this out when I pulled my credit report in XX/XX/XXXX. I contacted the three credit companys to place a block on my credit for 90 days while all this is suppose to be fixed. I reached out to each of the three companys above and, they said they would remove them. They also told me that this was done online, that someone was trying to apply for a loan online at a local car dealership here in XXXX XXXX, Nv at XXXX XXXX which is located at XXXX XXXX XXXX XXXX XXXX XXXX NV I called and spoke to the manager no help there.
07/19/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	ID 837XX	Web
In XXXX of XXXX I re-financed and paid the car off to Exeter finance. They lost the payoff check. When found it was past the payoff date. I had tracking to prove that the check was received on XX/XX/XXXX before the payoff date of XX/XX/XXXX. A supervisor approved waiving the difference in the payoff/interest because they had misplaced the check. Fast forward to this year, XXXX. I am selling the car and no longer need the extended warranty. XXXX messed up and sent the refund to the old lienholder, exeter. Exeter is now taking out the amount they waived last year from this check they were never supposed to receive. They are also holding the check for a month before sending me the remaining balance. All phone calls and interactions have been recorded and they keep changing their story and now they claim they never lost the check last year but as a courtesy they waived what they waived but its their policy if they get money to unwaive anything they've waived. Unethical and Illegal. They were not supposed to receive it in the first place, the car and account has been paid off for over a year.
02/17/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	NJ 08330	Web	Older American
I purchased a XXXX Buick Rainer on XXXX XXXX, XXXX. The amount financed for the Vehicle was {$16000.00}. Since XXXX XXXX, XXXX, I have been paying the sum of {$440.00} every month. To date, I have paid {$15000.00} and have been inform that I still owe {$10000.00} on the Vehicle. Since I got the Vehicle, I have been experiencing serious problem involving periodic repairs. This has been going on until recently, the Vehicle has broken down. The repair bill is over {$4000.00}, which I do n't have. I have tried to solicit help from the loan company, Exeter Finance, but they have flatly refuse to even listen to me. I asked for them to refinance the vehicle, but they told me to go to other Loan Institutions as they do not finance their own loan. I am writing this complaint to inquire as to what steps are available to solve this problem. I casn not continue to pay for a vehicle that I am not using. It is apparent that during the course of this loan, I have only been paying interest, and little or no principle. Please advise on how I can get help in this situation. Thanks for your anticipated help.
05/11/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	WV 260XX	Web
I have an auto loan with Exeter Finance and they continue to not report in a timely manner to the credit bureaus. On XX/XX/XXXX they reported the XXXX payment. The payments are made at the beginning of the month. It is XX/XX/XXXX and the reports are only reflecting through XXXX. Additionally, my score dropped b/c the balanced reported on XX/XX/XXXX increased by {$240.00}. All payments for the last 6 months have been made on time and for the full amount of {$390.00}. Therefore, I do not understand how the balance reported was {$240.00} more. The balance reported is showing as {$11000.00} and the balance remaining currently is {$11000.00}. When trying to explain this to anyone at Exeter the best answer that I get is that it is " how the interest posts ''. The interest is {$240.00} a month. However, if I paid the full {$390.00} on XX/XX/XXXX and they reported on XX/XX/XXXX, my balance should have decreased by {$150.00}. This company continues to take advantage of borrowers by reporting in a manner that interferes with my credit score in an effort to keep you stuck in their predatory loan.
03/03/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	NV 89139	Web	Older American, Servicemember
I paid off my car loan via bill pay with my bank, XXXX XXXX XXXX XXXX. Instead of releasing the title to me it was released to XXXX XXXX. Remember, bill pay checks are from the account holder, NOT the bank or financial institution. I was in the process of negotiating a new car purchase but could not continue without the title. I spent over {$100.00} to get the duplicate title from Nevada DMV. I have requested reimbursement from Exeter because it was their error. It took Exeter a month to provide me my title and in the mean time I has gotten the duplicate from the Nevada DMV making Exeter 's copy moot. Today, Exeter 's response was, " After further review, Exeters records indicate you were advised that once the title was received from XXXX XXXX XXXX, we would send the title to you and pay for the XXXX XXXX overnight to expedite the delivery. Therefore, we will not reimburse you for any additional cost that you incurred for requesting a duplicate title. '' The quality of customer service and knowledge of consumer banking is far below the standards a major finance company should be.
07/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60435	Web
I am currently paying every pay check my child support to pay past due child support and on going child support, during the corona season there is no work and now they are not supposed to be reporting on my credit report being that I can not start a business to pay off the debit with them reporting every month I am behind and I am paying them every month and I have being paying them consistently for the last two years out of my pay check I have reached out to them for the past 4 months on XX/XX/2020, I have sent them letters in XX/XX/2020 disputing the amounts of XXXX and the past due amount of XXXX I am currently paying every month the amount due and they are inaccurtely reporting the payments are being made, they come directly out of my account they have two account with ILLInois XXXX, the company is not helping me with this unfair situation, I am on auto pay they take it right out of my paycheck I have reached out to them and they never notified me and this is effecting me I can not get a mortgage and this is a big deal not able to have my son with me or my daughter a place to stay
04/15/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	IL 613XX	Web
I have had my car loan for over four years and I feel that my payments are not going toward my principle balance at all. I remember calling almost two years ago and my balance was XXXX XXXX and something dollars, well still to this day when I call my pay off balance is XXXX XXXX something dollars. I pay {$380.00} a month payments. It makes no sense. The car is barely worth {$4000.00}. I have been requesting a full payment history since XXXX of last year and they still will not send me anything. I do not get statements from them at all. If I don't make my payment they call me all day and night every day. I want a payment history to know where all of my money has gone and to figure out fair payments for the future to get this car paid off but they are absolutely impossible to work with. When I ask them how much interest I have left to pay they tell me I pay more interest every single day. It doesn't make any sense to me and when I googled and researched the company I found out they have had multiple huge lawsuits against them for bad loans and I'm now scared I might be a victim of them.
05/01/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	IL 60466	Web
On XX/XX/2021 I went to XXXX XXXX XXXX XXXX in XXXX Illinois, in a attempt to finance a car. I had a 5month credit history and a credit of XXXX at the time trying to purchase this vehicle. Was shown a vehicle at {$19000.00}. I was told because my credit history was shorter than 6 months it wouldnt help so that I would have to put down at LEAST {$10000.00} which I was informed would go towards my loan. I signed for an agreeable payment of {$480.00} a month. I later was called and told to come in because my payment had for some reason been taken up to {$510.00} a month. I later discovered that it was illegally ( federally ) for the DEALERSHIP to obtain a down payment from a financing customer. After doing research and going back to the dealership I was informed that only {$1500.00} went TOWARD MY ACTUAL LOAN ON THE VEHICLE and that the rest belonged to the dealership. After informing them of my new knowledge that they werent supposed to receive a down payment on a credit purchase I would told you signed a contract, so we cant refund any of your money by a guy in the finance department.
06/27/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	GA 30906	Web
Complaint XXXX was unable to fully resolve my issues and concerns. I communicated with XXXX on XX/XX/XXXX regarding a consumer credit transaction without a down payment for XXXX XXXX XXXX . I asked representative XXXX XXXX does XXXX participate in the Truth in Lending Act and after verifying, she confirmed yes. Afterwards, she stated that a down payment of {$12000.00} would be required to be financed by Exeter ( violations of 15 USC 1601, 15 USC 1662 and 15 USC 1691 ( a ) ( 3 ) ). Credit is my right as a consumer, which means that I can not be denied credit. Inquiries ( both soft and hard ) are proof that a payment ( credit transaction ) has been received by the Federal Reserve that is intended for the consumer. The transaction was already completed after the credit application was fulfilled. Exeter only benefitted from the credit transaction, not me. Clear violations of the above mentioned Federal Statutes that they have strongly denied violating, while also requesting proof, when clearly the inquiry and their response is enough proof that they have violated these Federal Statutes.
10/28/2015	Yes	Debt collection Auto	False statements or representation Attempted to collect wrong amount	MA 02169	Web
My name is XXXX XXXX i live at XXXX XXXX, XXXX XXXX XXXX : XXXX. I am filling a complaint against EXETER FINANCEXXXX XXXX, XXXX Texas. I had a car loan with the above in XX/XX/XXXX in XX/XX/XXXX Exeter Finance repossessed the car and sold it but did n't report the new loan balance. I disputed this balance through XXXX twice and EXETER FINANCE refuse to change the amount.I spoke with EXETER FINANCE two weeks ago they told me that it is in their rights to ; charge me {$4.00} per-day interest and put what they what think on the credit reporting agencies.At first Exeter Finance was reporting the original loan amount {$17000.00} and now for the last SIX months they changed the amount to $ XXXX car was sold in about three weeks after it was repossessed. My new balance should have been {$6500.00}. Exter finance wanted to punish me for the repossession of my car. BECAUSE of there false credit reporting has hurt me. Each time I apply for a loan interest rate was 21 % for car loans and personal loans. Had Exeter finance reported a proper amount in XX/XX/XXXX I would have paid it by now.
11/16/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	VA 23602	Web
I called in XXXX of 2020 for an extension, due to being a XXXX XXXX XXXX going to an unpaid internship. The extension was not processed. I called back again XX/XX/2020. It was still not processed. They said they would and never did. Now they are saying my car is in repossession status. After I've called n spoke with everyone including a manager. I'm a XXXX XXXX in college. The extension was suppose to be for two months. Now I'm two months behind on top of that I have late payment fees, two negative post on my credit bureau report saying I'm delinquent saying my score has dropped 45 points. I've not had a delinquent account in over 4 years. I'm furious and I will hire a lawyer if need to. This is absolutely ridiculous. I will go threw all platforms of reporting a company until someone fixes this situation. This is unfair and horrible customer service. I'm an active XXXX who prior to these two months have been serving the community during the pandemic and I've not missed one beat of payments. I'm very upset. I feel disappointed and disrespected and not valued as a customer.
09/07/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	WV XXXXX	Web
This company set me up with an exorbitant interest rate auto loan a few years ago. I have made payments to the best of my ability through times of job loss, income loss, and pandemic related upheaval over the years. Anyway I have fallen behind recently and have done my best to not be more than 60 days late at the very least. I have made payments biweekly for some time now and keep getting exorbitant late fees piled on with seemingly no amounts being applied to principal. I have recently gotten a repo notice even though I have not not hit 90 days late ( and don't intend too ). I constantly get phone calls and as a medical provider have no time to talk to their agents. I have used their emails and messaging system on their website to no avail. They send no info or advice through these systems only try harrasing phone calls multiple times a day. Exeter needs to dispense with the constant late fees, phone calls, and whatnot and show results toward principle of their auto loans and do better to help people who are upside down on their loans instead of making the situation worse.
06/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60502	Web
XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report ur following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTR consumer to whom it relates. I NEVER gave any consumer reporting agency WRITT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
10/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MS 386XX	Web
I will be filing a lawsuit against the Exeter finance company on the grounds of harassing phone calls all day and all evening, and they have put this on my credit report after I have told them the situation. Plus on the contract they over changed me almost {$17000.00} more interest on the vehicle I purchased when originally the vehicle was {$15.00} or {$16000.00} totaling the whole auto loan to {$34000.00} and some change with a seven year term on a XXXX XXXX XXXX XXXX XXXX. I am watching it daily to see the car note reported as past due when they know the situation I am in. I called them firsthand to let them know what is going on but it seems they dont care and want their money either way it goes. They have placed the loan and car note in default already. Why would I pay for something I dont have? Them and XXXX have ruined my credit. Please Help!!! Have any questions please feel free to contact me. XXXX XXXX XXXX XXXX : XXXX Home Office : XXXX Home Office Fax : XXXX Corporate Office : XXXX XXXX XXXX XXXX : TBA Email 1 : XXXX Email 2 : XXXX Company Email : XXXX
11/06/2021	Yes	Vehicle loan or lease Loan	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30083	Web
I, natural person and consumer of the United State of America Pursuant to 15 USC 1681b, Exeter Finance LLC received my consumer report but has no written instructions from the consumer ( me ) to whom it relates. This constitutes a violation of Title 15, Chapter 41. Exeter Finance LLC also violated 15 USC 1681d and 1611 as they caused to be procured an investigative consumer report and did not accurately disclose to the consumer ( me ) that such report would be made. This too constitutes a violation of the Title 15, Chapter 41. Exeter Finance continues to report that they made a fraudulent and unlawful inquiry on my consumer report after I made them aware via CFPB complaint XXXX that they had not received my consent to do so. Exeter Finance LLC is in violation of 15 USC 1611, by continuing to report false and inaccurate information to consumer reporting agencies, therefore ruining my reputation as a consumer and defaming my character. Pursuant to 15 USC 1691e, I am owed a remedied as a result of this unlawful and fraudulent procurement regarding my consumer report.
02/11/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	OH 452XX	Web
Exeter Finance has made incorrect reports on the status of my account to the credit bureaus on. On XX/XX/XXXX I received XXXX and XXXX notices that my Exeter account was reported delinquent, when that was incorrect as I set up autopay on my account in XXXX and it was in a current state then. I was notified that my EF account was incorrectly reported 30 days past due on XX/XX/XXXX, not only was it not past due, but the false report caused my credit score to drop by 100 pts, which is unreal. I have not had a missed or late payment on this account and it was very discouraging to have this reported incorrectly and affect my credit in such a way. I have not had such an experience with any other creditor and consider EF as a contributing factor in helping me to improve my credit over the years. Following the this incident, I just went ahead and paid off the {$13000.00} on the loan to be done with them altogether. I tried to file a dispute through the company, but the representatives kept giving me incorrect email addresses to sent my evidence to, all which bounced back.
10/11/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CA 91786	Web
Complaint : Exeter Finance Auto Loan! I managed to actually hold up my auto payment of {$520.00} month, until I lost my job ( XXXX XXXX, however I would still make my payments within that month, maybe not on the exact due date, but I made my payment within a 29 day period before it will rollover to next month. I called them about making payments arrangements for the month of XXXX, they would not even give me a grace period or forbearance ( my first time asking ) ... They are a very rude lender company and don't mention anything about Covid 19 relief to there consumers or even on there website ( www.exeterfinance.com ). I Also been paying my auto loan and it still seems like it's still at the purchase Price, they need to remove the late payment of my credit profile through all bureaus, as I still pay. This has affected my credit tremendously and I have really good credit. And by looking at the better business bureau they got revoked. Please take my complaint into consideration thank you. This company is really faulty and they take advantage of their consumers.
08/11/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	AL 35211	Web
In XXXX and XXXX of XX/XX/XXXX XXXX auto loans was open in my name without my consent. I filed police report and FTC REPORT ( see exhibits attached ). I WAS ABLE TO REMOVE OFF MY XXXX AND XXXX, BUT I HAVE NOT BE ABLE TO REMOVE OFF XXXX. BOTH COMPANIES ARE LOCATED IN TEXAS, EXETER XXXX AND XXXX. ALTHOUGH, COMPANY NAMING EXETER FINANCE LLC. I HAVE SPOKEN WITH THEM ON SEVERAL OCCASIONS SENT, IN POLICE REPORT, FTC REPORT, PROOF OF IDENTITY AND A VALID CLAIM OF IDENTITY THEFT, NOW THIS XXXX A ... COMPANY STATED THEY HAVE DONE AN INVESTIGATION AND DETERMINED THAT THE ACCOUNT IS VALID, XXXX AS WELL HAS STATED THE SAME THING. NOW WITH MULTIPLE INVESTIGATION DONE HOW DOES THIS ACCOUNT BELONGS TO ME. SO I SENT A LETTER DATED XX/XX/XXXX REQUESTING PROOF OF HOW THE INVESTIGATION WAS DONE AS IDENTITY SECTION 603-15 U S.C 1681a ( e ) or page 3 of the short title. Guess what no XXXX reply back so I file this claim seeking damages for violating this act because I'm not going back and forth with that company and it's XXXX XXXXXXXX employees yes that right I said it so here we are.
07/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77449	Web
a late payment was reported on my credit on the month of XX/XX/2021. This is the only time I see a late payment on my credit but it is not due to me not being able to financially make the payment it is actually because the whole state of Texas had a winter freeze that month and we had a major power outage we didnt have cell phone reception no Internet reception we also did not have power it was a state of emergency for the entire state for the most part of almost 2 weeks. My father had told me to reach out to you guys regarding this late payment because I am actually in the process of trying to fix my credit to purchase or my first house for my family and in doing so he told me about the CARES Act regarding the late payment forgiveness and told me to write your company requesting a one time late payment forgiveness. This was a legitimate un-natural crisis that took place on XX/XX/2021 in XXXX TX please delete the late payment off my credit report thank you. Exeter is being unreasonable in removing the late payment after a crisis that took place in Texas on XXXX.
05/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33169	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Attn : Complaint Department I am writing to dispute the following information in my file. I recently received a copy of my credit reports. The credit reports showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX ( XX/XX/XXXX,XX/XX/XXXX ) Exter finance ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) Please remove these inquiries from my credit report immediately. I have enclosed a copy of my police report as proof of my identity. Sincerely, XXXX XXXX XXXX XXXX
12/02/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA 94124	Web
On XX/XX/2022 Exeter finance sent a third party with company to come steal private property without a court order.i have been humiliated and forced to miss on out money because of this huge inconvenience.Exeter finance received a letter from me demanding them to verify the debt and they never responded to my request. they also altered my contract without my consent .making them the the legal title holder. i have proof ffrom dealership and XXXX recorded call from them stating they altered the contract. i also sent them proper legal documents for them cancel the debt .they declined to answer. They never gave me a right of rescission form, failure to disclose those rights are against the law .the interest rate is higher than California legal limits as well. Exeter Finance has caused me mental and physical harm i plan on pressing civil and criminal charges against this company.they shared my private information with several 3rd party companies to assist them in stealing my property..i take my privacy very seriously i am highly upset about them invading my privacy
11/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	OH 44128	Web
This company is using my information without my consent and still can not provide proof that I allowed permission for information to be used with my credit report.According to 1022.42 Reasonable policies and procedures concerning the accuracy and integrity of furnished information. it states Each furnisher must review its policies and procedures required by this section periodically and update them as necessary to ensure their continued effectiveness. And as shown no updated credit report has been place I demand these inquiries be removed from my credit report. According to 15 U.S. Code 1681a - Definitions ; rules of construction - any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title there for this is illegal
04/03/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	AZ 852XX	Web
I am an XXXX XXXX and due to the Covid-19 situation, my income has gone to nearly zero. I am also self-quarantining as the federal and state governments have requested. I called my lender, Exeter Finance and asked them if they could help me by deferring payments and they said no. I said " I thought lenders were supposed to help customers right now '' and they said " it's up to our discretion and we're not going to help you. '' I bought my car in XX/XX/2018 at an interest rate of 23.78 %. The amount financed was {$26000.00}. I have paid them a total of {$14000.00} and my current loan balance is {$24000.00}. 90 % of the money that I have paid them has gone to interest and they will not help me. Their agents were rude, disrespectful and vaguely threatening. I would not advise anyone to do business with this company. This has been the worst consumer finance transaction of my life. Exeter had to pay a multimillion dollar fine last year in Massachusetts for predatory and usurious lending practices with sub-prime consumers. Avoid them like you would Covid-19!
03/01/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NH 038XX	Web	Older American
My loan auto loan for my XXXX XXXXXXXX XXXX has had several payment issues with my loan company. Payments were not posted to my account yet they took the money. They were going to repo my XXXX and demanded payment so I had to send them an official bank check which caused me many financial hardships because they had my 4 payments from XXXX XXXX who took my money instantly from my debit card. Exeter demanded an official bank check to stop the repo. So they are keeping four payments that now make my account ahead. Even then they refuse to grant me my account history are still saying I'm behind and now I find they have sold my loan to a debt collection agency when I was never behind in payments. I find their actions are unfair and abusive to my credit report and me. XXXX XXXX has closed my account for reporting it to my bank both XXXX XXXX and Exeter Finance refuse to give me my payment history. How is Exeter allowed to charge off my loan as bad debt when I was never late in the first place and then sell it to a debt collection agency. This is so unfair.
04/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 294XX	Web
XX/XX/XXXX I requested full verification of this account. Prior to me receiving this info i got an alert from my credit monitoring company that my payment history for Exeter was updated. Upon looking at my payment history I realized some months that were reporting 90 days late were updated to 60 days late and some of the payments that was reporting 60 days late was updated to 30 days late for the year of XXXX. Ive called several times about this matter. On today XX/XX/XXXX. I received a call for a XXXX XXXX who stated that he was the manager for the complaint department at Exeter. We spoke about some other concerns I had about my account. I then told XXXX XXXX about the issue with my payment history. XXXX XXXX then stated ( on a recorded call ) that when i request information about my account the credit bureaus sends Exeter a notice asking them to review the information in the account to make sure its accurate. XXXX XXXX then stated that if they find anything wrong they will correct it. This is violation under the Fair Credit Reporting Act ( FCRA )
08/31/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	NC 28054	Web	Servicemember
On XXXX XXXX I called Exeter finance about my past due balance. I explained I was still out of work on an unpaid medical leave. I asked the agent if I could cancel my cars extended warranty and use that money towards my past due balance? The agent replied with yes you could do that. I told her thank you so much I will call and get that money forwarded to you all. On XX/XX/2022 Exeter received the money and stated it could not be used towards the past due balance. I spoke with a manager and she told me she would give me a call back once she found the call to come up with a solution. On XX/XX/XXXX the manager called back and confirmed she found the call and I was indeed told those funds could be applied to my past due balance. But the manager said she apologized even though I was told that those funds couldnt be applied to the balance. I asked to speak to another supervisor who also said the same yes I was promised this but again I can not do it and they could help with setting up a payment arrangement. I advised Id be reaching out for legal advice.
05/03/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	FL 32244	Web
On XX/XX/XXXX I sent a Notice of Rescission to EXETER FINANCE LLC and their CEO XXXX XXXX XXXX to make them aware that I was exercising my right as a federal protected consumer to rescind the consumer credit transaction. Per truth in lending they did not clearly disclosed to me how to do so or provide me with the appropriate forms to complete the process. I know that I am the obligor and I have 3 years from the date of consummation of the transaction to exercise my rights. But EXETER FINANCE told me that are not willing to accept my Notice of Rescission, which I know is illegal! And I also sent them 2 Cease and Desist which they continue to send me multiple letters to me and communicate with me through my consumer report indirectly. Just recently they failed to let 2 towing companies know that I have a Cease and Desist in place and had my vessel dispossession from my dwelling. On XX/XX/XXXX my vessel was stolen from my dwelling and the tow company hired by EXETER FINANCE LLC has failed to give me my possession when I called to get my things back.
03/10/2023	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	AZ XXXXX	Web
I have sent a letter certified as the fraudulent contract was never validated. You are attempting to ruin my reputation with a contract that isnt enforceable. The contact never had a meeting of the minds or proper consideration. Before they could ruin my credit they would have to arbitrate with me per their clause ( Which is invalid ). They ignored my request and continue to call my business phone ( calls is down below ) I have expressed in the letter that was delivered to your office on XXXX XXXX ( letter will be attached ) that all communication should be in writing. They ignored my letter. This violates Fdcpa, Tila, Tcpa, FTC, contract law ( UCC ), registration act, securities exchange act of 1933, G.A.A.P violations and more. The letter stated that your company couldnt harm my credit until validating my offer to perform under conditions precedent. This is my last attempt to come with an agreement. I will go seek damages if this company chooses not to act. I will continue to stay in honor to the laws of the land. Your company is in violation.
10/23/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	GA 30228	Web
A family member and I were involved in a car accident, late 2021. A man clipped us and pretty much totaled the vehicle. While trying to figure out to handle that, a family member insisted I follow their lead and took me to a dealership that cold called them. They set us up with a used SUV with an almost 30 % interest rate and $ 700 monthly payment. The dealership put my family member 's yearly income as mine, the family member is nowhere on the paperwork as a co-signer, and then they proceeded to hit my credit multiple times until a finance company gave the details of the interest rate and monthly payment above. Blindly following the advice of the family member above, ( who later admitted they didn't know what they were doing either ), I was bamboozled. I've tried over ( 2 ) six month periods to refinance this car with my correct information and I've had no luck. It's like NO ONE wants to deal with this car. And now knowing that the terms of this deal are horrific, I want out. My credit has been hit REALLY hard and I just want to be made even.
11/27/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60446	Web
On XXXX XXXX, 2017 I went into XXXX XXXX XXXX with my pre-approval letter from XXXX to test drive a XXXX XXXX. The manager XXXX XXXX requested credit report with out my knowledge and consent. Because of this my credit was ran resulting XXXX Unauthorized inquiries. The next day I went back to the dealership asking for his supervisor. XXXX XXXX the General manager asked me to explain what happened and as a result typed up a letter on the companies letter head to all the Financial companies and credit reporting agencies requesting that they remove the inquiries on behalf of XXXX XXXX XXXX. Unfortunately, as of today NONE have been removed. Since then, I 've called, faxed, sent certified letters that XXXX XXXX drafted to each company as well as the credit bureau asking that that they be removed. Nothing has been removed a year later. I 'm in the process of purchasing my first home and these XXXX inquires are hurting my credit worthiness and credit scorXXXX. The company is requesting that they be removed and now I 'm asking that they be removed!!
01/16/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	FL 33313	Web	Servicemember
I need your help in a serious matter involving my credit report. After reviewing my credit, I have realized that you might be reporting damaging information to my name. I'm aware that section 609 of the FCRA requires that you have a contract with my signature. Please forward me all documentation on this account or remove it from my credit report. Falure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I Will be seeking up to {$5000.00} in damages lo 1 ) Detamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. As I can see the account was close since XXXX I paid full balance in XXXX but base on law if account is close ITS ILLEGAL TO REPORT ACCOUNT OPEN AS OF XX/XX/XXXX BECAUSE ITS PAID IN FULL AND NOT OPEN PLEASE REMOVE ASAP FROM ALL XXXX CREDIT BUREAUS
03/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 24540	Web	Older American
XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX Date of Inquiries : XX/XX/XXXX Companies : Exeter Finance XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Vermont, XXXX, XXXX, XXXX XXXX XXXX XXXX hard inquiry done by XXXX XXXX XXXX, P.O. Box XXXX, XXXX, Texas XXXX, XXXX Dear Sir or Mam : Please be advised that all of the above finance companies did a hard inquiry on my account without my permission. I have drafted a letter asking them to take this off my credit report. After my bankruptcy discharge I received letters from each of them but I did not take any action and apply for any loans for an automobile. Please assist me in getting this taken off my credit. I am trying to rebuild my credit and this is so unfair of these people to drag my credit down again after I tried to make a new start. I would be grateful for any assistance you can give me. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Please don't publish my identity.
10/24/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	GA 30281	Web
I filed a BBB complaint against Exeter Finance Corp on XX/XX/XXXX for inconsistent credit reporting for a repossession in XX/XX/XXXX ; after numerous disputes with the creditor ( Exeter Finance ). I thought we agreed to a fair resolution to update my report with a past due balance of {$2800.00}, but this company is still inconsistent in its reporting to the credit bureaus. Since the case closed with the BBB ( XX/XX/XXXX ), this company has been reporting this account closed one month and open the next which is making my credit score go up and down and this has been an ongoing situation. I have disputed the inconsistencies with all three credit bureaus and no change. I know per the FCRA, that the credit bureau must notify you within 5 days of adding accounts to your report, in this case I was not informed. This is very stressful in trying to make corrections to your credit report when there was already an agreement and it is not fair to me to be inconsistent when doing so. I have more information attached in the BBB complaint below.
08/21/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	FL 33127	Web
EXETER FINANCE CORP is the worst company I ever financed a car from in my life. I was involved in a 75 % life threatening accident that was cause by the other partys who is at fault for the accident. I was hospitalized and fractured my XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX also my left XXXX was dislocated. I was in serious pain and have to conduct a XXXX procedure. I informed the insurance company about this matter and also the finance company THE SITUATION. After informing the finance company they breached my contract without knowledge with a letter saying my car has been repossessed. I never been late on a payment and the car was at the impound for 24 days the insurance was trying to get the vehicle but couldnt retrieve it because the finance company repossessed the vehicle. Now causing my XXXX XXXX to drop dramatically over XXXX points. I will file an additional lawsuit for {$1000.00} for ever point my scores was dropped due to this matter. I will file additional complaints for in the amount of {$75000.00} for pain and suffering
12/21/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	FL 327XX	Web
I am trying to refinance my loan with XXXX XXXX in XXXX. I was given a 5 % rate. When I speak to Exeter Finance about transferring the title from a XXXX XXXX to a XXXX XXXX they tell me to call the DMV and fill out a state transfer form. XXXX does not have any such thing, nor does XXXX They need the lender to assist with requesting from XXXX a XXXX title. The car is registered in XXXX. It was purchased in XXXX. I am trying to refinance with a local credit union. I am paying 18 % with Exeter. Exeter needs to request from XXXX a new title, and the car has to be titled in XXXX to get a payoff of {$18000.00}. I have 60 days and counting to do this or I loose my refinance on my XXXX XXXX. I am asking Exeter to request from XXXX a new title, I have tried with Exeter for a week, no one seems to comprehend this basic task. I have spoken to the XXXX DMV. Without the title, this can not be done, the refinance I need to lessen my payments. I can not do this alone without the lenders approval in writing, and the {$74.00} paid by the lender.
03/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30180	Web
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 EXETER FINANCE LLC has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
11/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77493	Web	Servicemember
I pulled my Credit report on XX/XX/2022 to find out that Exeter had placed a missed payment on my report. I was not aware of a missed payment being that I am away XXXX working and my wife handles the payments while I am away. However recently my wife fell ill and had to have XXXX so I had to come home and tend to her but it was not communicated that she missed a payment. I did not receive notification of a missed payment nor a letter and was not given an opportunity to rectify this mishaps.However we moved back in XXXX of 2022 and my information has not been updated with Exeter, so if they sent correspondence, I have not received it. I called Exeter and explained to them what happened, and I was told that once I made another payment for XXXX which is not due until XX/XX/2022, they will remove the derogatory information off of my credit report. I think that is unfair and it is hurting my credit report and my job is affected by this. I was not given an opportunity to dispute this or correct it before it came to be a dispute.
05/24/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MI 48075	Web
Exeter finance is still reporting that I owe {$7100.00} for the XXXX XXXX XXXX. XXXX XXXX I was awarded about {$14000.00} and the XXXX county judge XXXX XXXX XXXX located in XXXX. Michigan extinguished the financial contract between Exeter finance and I. I have a green title and the lien holders name ( Exeter finance ) was removed. I have been calling Exeter finance, XXXX, XXXX, and XXXX to correct this matter and nothing has been corrected. This is still reporting negatively on my credit. The companies involved are Exeter finance ; which is the finance company that I sued in XXXX of XXXX. I should have a XXXX balance because I own the vehicle. XXXX quality cars located in XXXX Michigan is the place I also sued and that is where I purchased the vehicle. My last payment was XX/XX/XXXX I won the settlement XX/XX/XXXX. This is being reported as charged off/collection, and unpaid balance reported as loss by the credit grantor. My lawyer said this should Be erased off my credit report as if I never even purchased the vehicle.
04/14/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	DE 19904	Web
My complaint is with Exeter Finance. Ive been paying {$560.00} since XX/XX/XXXX for a XXXX XXXX XXXX. Its a 60 month loan and to date I have made 56 payments. My maturity date is in XXXX of XXXX. This company is now telling me that I still owe them {$7000.00} dollars and that on XX/XX/XXXX the entire amount would have to be paid or they are going to repossess the vehicle. I have already paid this company a total of {$32000.00}. CONTRACT Contract Date. XX/XX/XXXX Mileage 60,000 Maturity Date. XX/XX/XXXX APR ( % ) 20.00 Org. Amt. Financed. {$21000.00} Monthly Payment. {$560.00} Amount Remaining. {$7000.00} Payments XXXX XXXX This amount {$39000.00} or higher will be the amount I pay for this used XXXX vehicle. Please look into this matter. This APR rate is unfair and abusive. I have tried to reason with this company regarding my health due to late payments and they dont care. This company is heartless and only want to gouge the consumer financially. Please HELP! VEHICLE Model Year XXXX Make XXXX XXXX Last 6 Digits of XXXX
06/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC XXXXX	Web
After suffering an incident of identity theft, I placed a fraud alert on all XXXX credit reporting agencies and froze my XXXX XXXX file asking any potential creditors to call me to verify my identity before pulling my credit reports. However, Exeter Finance Corp did not call me to verify my information before running my credit, a violation of my rights as consumer. I have reached out to all XXXX agencies several times to have the unauthorized inquiries removed from my credit reports. However, each time I was told they verified the inquiry. I have also attempted to speak to someone at Exeter Finance Corp to no avail as well. I never consented for anyone at Exeter Finance Corp to access my credit files nor was I contacted by Exeter Finance Corp to ensure they verified the identity of the person authorizing the inquiry. For these reasons, I respectfully request the inquires by Exeter Finance Corp be removed from all of my credit reports. Please see below for which inquires I am requesting to be removed : XXXX : XXXX and XXXX
10/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33409	Web
XX/XX/XXXX Exeter Finance XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and Exeter Finance ran an unauthorized credit inquiry on me on XX/XX/XXXX. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact Exeter Finance and investigate such occurrence. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. If you have any questions or need additional information, please contact me at address listed below. Thank you. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
04/01/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	AZ 85719	Web
Exeter 's website has failed to process payment several times resulting in late fees. I reported the error and sought guidance from their customer service team in XX/XX/XXXX on how I might submit payment. To date they have failed to remedy the situation. Neither their website nor customer service team disclose any reasonable alternative payment methods. I've got screenshots showing a variety of attempts to make payment via XXXX, XXXX, and XXXX XXXX, on XXXX XXXX, XXXX, and XXXX XX/XX/XXXX. The error message presented specifically states that the errors are the result of using an incompatible browser, which is inaccurate. The error message fails to make available any information regarding alternative methods through which to make payment. Their predatory tactics involve failing to apply payments accurately while an unwarranted fee is in dispute, making available an unreliable and broken online payment system, reporting inaccurate account balances, and failing to disclose reasonable alternatives for submitting payment.
11/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75241	Web	Servicemember
INITIAL REQUEST ASKED TO PROVIDE ORIGINAL DOCUMENTATION OBTAINING MY SIGNATURE. UNDER THE FCRA, BUSINESSES ARE REQUIRED TO HAVE A COPY OF THE ORIGINAL CREDITORS DOCUMENTATION WITH HARD SIGNATURES ON FILE. I HAVE ATTACHED WHAT WAS PROVIDED AS VERIFICATION WHICH IN TURN ARE FULL OF INACCURACIES AND ERRORS. I DEMAND FOR THIS ACCOUNT TO BE REMOVED AS IT HAS NOT PROVIDED VERIFICATION OF THE ACCOUNT. THE ACCOUNT SHOWS CURRENTLY THAT THERE IS A LAST DAY FOR PAYMENT OF XXXX, AND HAS AN ORIGINAL CONTRACT DATE OF XXXX. CONSEQUENTLY, EXETER HAS FAILED ONCE AGAIN TO PROVIDE PROOF OF THAT DOCUMENTION. A NOTICE TO ACCELERATE DOES NOT SUFFICE NOR CONSTITUTE A SIGNED CONSUMER CONTRACT. DELETE EXPEDITIOUSLY!!!! Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.
01/25/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	WV 254XX	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : Credit Report XXXX / Report Number XXXX dated : XX/XX/XXXX XXXX Dear Sir or Madam : The purpose of this letter is to challenge an incorrect entry in all three my credit report file. Enclosed is a copy of the credit report file that obtained from your office. The challenged portion of the report has been marked. That this account XXXX incorrect address and place of work for this account plus it is over XXXX XXXX XXXX now so it should no longer being reported to any credit reporting agency by Fair credit reporting act law. This account was opened XX/XX/XXXX with amt financed XXXX with balance of XXXX This Account has been on my credit report for 7 years and 9 months now. Your efforts in investigating this matter would be appreciated. Please respond at your quickest convenience regarding the results of your investigation. Social Security XXXX XXXX XX/XX/XXXX Sincerely, XXXX XXXX Enclosure This is a XXXX XXXX document
10/24/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	UT 84604	Web
On XX/XX/2023 we made a call to Exeter Finance to validate a debt. However, upon trying to validate the debt, Exeter Finance explicitly refuse to give any information pertaining to the debt, stating the reason for not disclosing any information was due to litigation. However, there is no litigation from Exeter Finance on this account at this moment. They then tried to say that legal counsel needed to be provided in order to discuss the debt, and that a " pro bono '' lawyer is not a valid one. Even after giving Exeter Finance my name and all pertaining information to this debt, they still were unable to give me any information as a consumer upon this account. Since no information can be given, this debt is invalid. In the recorded phone call, you can explicitly hear the refusal to answer any questions about the debt. We also tried contacting this company on XX/XX/XXXX, only to be hung up on. Both calls are attached, and labeled as follows ExeterXXXX : recorded on XX/XX/XXXX ExeterXXXX : recorded on XX/XX/XXXX XXXX
03/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32822	Web
Company : Exeter Finance Ask to remove this from report due to a misreported information on credit report, also supposed sent to collection companies with different amounts. Also grossly over reported amount owed which severely affected my credit. Original Loan Debt of XXXX Car repossessed on XX/XX/XXXX. Supposedly XXXX XXXX XXXX sold for XXXX in XX/XX/XXXX. However car market had turned so they should have sold at auction no less that XXXX. Plus no deduction for GAP insurance purchased Received correspondence from XXXX, XXXX on behalf of Exeter requesting {$14000.00} on XX/XX/XXXX Received correspondence from XXXX XXXX XXXX on behalf of Exeter requesting {$14000.00} on XX/XX/XXXX Requested debt validation from Exeter and all they sent was original contract in XX/XX/XXXX Exeter sent letter later stating I owed the XXXX. Dispute debt with credit bureaus on XX/XX/XXXX and the outstanding balance was updated to over {$200000.00}!!! I have copies and screenshots of all this information I have copies and screenshots
07/02/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	CA 92081	Web
I have tried to complete work out payments with this company due to the Covid 19 and being laid off of work. Exeter Finance has stated they will not work with customers in the state of California, no more than 2 months deferments, even though they are still affected with the Covid 19. I also called to let them know we are in the process of filing for bankruptcy, at first they refused to take the information from me as I am the spouse and not the main account holder. This company with the outrageous rates as well as unwillingness to work with not just us many of their customers during this Covid hardship has been stressful and actually predatory collections/ lending. The lack of compassion this company has for it's customers is unbelievable. At the beginning of this Covid outbreak they were refusing to work with customers, and as we continue to see hardship of being out of work, they still continue to state it is their business decision to not assist any further than 2 months regardless of the Covid out break.
05/26/2016	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	GA 30909	Web
I have recently purchased a new vehicle from XXXX. The loan was financed through Exeter Finance Corp on XXXX/XXXX/2016, and they starting blowing up my phone today XXXX/XXXX/2016. When I say blow up my phone I mean XXXX phone calls within a 3 hour span, and 4 of those calls were within 12 minutes. I was in a Managers meeting with my job, so the phone was on silent, and they avoided leaving a voicemail. So once the meeting was over I called the number to see who was calling me, and it was Exeter Finance Corp. I just signed my loan less then a week ago and my payment wo n't be due until XXXX XXXX 2016. So why would they need to call me that many times in one day? I feel as if this is a huge form of harassment, being employed by a finance company myself I know what is illegal. Just got another phone call at XXXX after I already called them to notify them that I did n't want phone calls. They did n't ask me for my number when I called in, but they have caller ID as well as number notifications when calls come in.
02/04/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	TX 75056	Web
I purchased a XXXX XXXX XXXX XXXX financed through Exeter finance. I reached out to Exeter finance in XX/XX/XXXX to see if they would work with me to try and lower the payments so that i can keep the vehicle during the pandemic. Exeter declined and the vehicle was repossessed and i actually paid to get it back in which they said they would work with me. I asked could payments be rolled over to the end of the loan and what was my other options, unfortunately the vehicle was repossessed again in XXXX, they never sent me anything where the vehicle was located so that i could retrieve my personal belongs nor when the vehicle would be auctioned off. I received a call from them in XXXX stating they sold the vehicle and that i had a remaining balance of {$9800.00} left on the loan. I later received another letter from a collection agency stating they represented Exeter and i had a balance of {$5500.00} and i was only to communicate with them to settle the debt. Exeter is reporting 3 different balances on my credit.
08/02/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NH 038XX	Web
Vehicle was purchased in XX/XX/XXXX and financed through Exeter Financial, by XX/XX/XXXX we were behind a few payments and made payment arrangements. Company charged off account while in the middle of paying and refused to work with us to cancel the repossession order. Company did not provide us with appropriate notice as outlined by law. Under the laws of the State of New Hampshire UCC 382-A:1-202, 382-A:2-706 and New Hampshire RISA and MVISA statues a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. This situation has hurt us financially and has impacted our credit beyond measure. While we believe we have grounds to collect for damages we are willing to overlook that if the company removes the deficiency balance and charge off from our credit reports as requested. We have attempted to communicate with the company several times but they refuse to furnish the proof of legal repossession.
09/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL XXXXX	Web
This is the 3rd time I have had to file a complaint with the CFPB on Exeter Finance to get this corrected. I really dont understand. I file a complaint. Exeter Finance removes the incorrect information then a month later it reappears. My credit report at all three credit bureaus once again show me having late pays XX/XX/XXXX and XX/XX/XXXX with Exeter Finance. In XX/XX/XXXX, I was a victim of Hurricane Irma. I do realize Exeter Finance has no legal obligation to work hurricane victims so all I can do is accept this late pay BUT XX/XX/XXXX I will not accept. Exeter Finance misapplied a payment I made to someone elses account. They are fully aware of this. There are notes all in my account with them along with a copy of the canceled check. The correction to my account was made back in XX/XX/XXXX. They just keep adding this 30 day late pay reporting to my credit report which is unfair and against credit reporting regulations. They can not hold their mistake against me. I should not have to keep disputing this.
03/02/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	GA 303XX	Web
In completing the application of buying my 1st home, it was noted that Exeter has reported my account delinquent. Today XX/XX/2023, XXXX XXXXXXXX I called Exeter enquiring about the account being delinquent even though it had been charged off. The representative told me what the amount owed was interest. I told her that the account had been charged off and did not feel that it was correct. After speaking to the first representative, I was transferred to another department where XXXX refused to submit my request to her immediate supervisor. Her statement, " I am not going to submit a settlement offer when he is not going to approve it. " I said to her, '' ... that the other representative was willing to reach out to her immediate supervisor and didn't understand why she wouldn't do the same. '' I believe this is a direct violation of the FDCPA, which prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from me. I am asking for the CFPB to mediate this issue.
08/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77007	Web
The debt collectors who put unauthorized inquiries on my credit reports. The creditor of these inquiries did used misconduct and fraud while invading my privacy because I did not give them permission to pull my credit, nor did I give them permission to allow others to pull my credit at the same time. I did not give them written nor any permission AT ALL. The FCRA states it is against the law to report anything on my credit report that I did not authorize or want to be or should be not there!! I reached out through dispute XX/XX/XXXX on 4 inquiries with XXXX that were not authorized, nor had my signature or anything to pull my credit and the investigation came back in one day from XXXX stating that this remains the same. How dare they come back in a day without any investigation with no change or deletion. Their bad tactics and incompetence behavior to help the customer is appalling. This was not authorized none of the inquires I disputed on all credit reports. I DID NOT AUTHORIZE ANY OF THESE INQUIRIES,
03/15/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	TX 76123	Web
I purchased a XXXX XXXX XXXX on XX/XX/XXXX for {$23000.00} with a substantial interest rate. Throughout the life of the loan I had extended 8 monthly payments and was never told there would be any type of a balloon payment at the end. In XXXX I was informed I would owe approximately {$9000.00} on XX/XX/XXXX, maturity date of the loan. After several conversations and requests for the payment history, which I was never provided, they said there was no option but to pay due to how interest is calculated. I understand how interest works and is calculated but never was it explained that there would be a " balloon '' payment at the end of the note. Even if I take the 8 payments that were extended, that would only total {$4700.00}. As of today, the payoff is {$8700.00} which I am told I have no choice but to pay and if not paid by XX/XX/XXXX they will report negatively to my credit. I do not understand how a balloon payment of such a significant amount can be legal or reasonable for someone to come up with.
08/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 310XX	Web
It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent XXXX previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.
06/28/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	GA 31405	Web
UNDER 15 USC 1692g EXETER FINANACE LLC HAS NOT VALIDATED THE DEBT ; THEY ARE THEATENING ME AND MY REPUTATION. WHEN DEBT IS ALREADY PAID. On the XXXX day of XXXX, I sent Exeter financial LLC certified mail of a : 1. Non-negotiable conditional acceptance, 2. Affidavit of truth, 3.Exihits of violation under 15 U.S.C 1692 4. Invoice for violation under 15 U.S.C 1692 5.Cease and desist ( questionnaire ). Which was ignored, misled and not answered correctly according to the claims and assertions stated within it in " SUBSTANCE ''. On the XX/XX/2022, I sent a second notices to Exeter Finance LLC certified mail : XXXX. Notice of default and opportunity to cure 2. Affidavit of truth, 3.Exihits of violation under 15 U.S.C 1692 4. Invoice for violation under 15 U.S.C 1692 5.Cease and desist ( questionnaire ). Having failed to properly rebut the allegations presented unto them in the time requested, respondents hereby ADIMT all allegations contained to be true. Exeter has not proved any of their claims.
03/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 76001	Web
To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report. The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.
11/01/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	NY 14150	Web
I financed a XXXX XXXX XXXX on XXXX second XXXX approximately XXXX weeks later the car was stolen. They recovered the car it sat at the car repair shop for XXXX months before I got it back approximately XXXX weeks after I had gotten it back from being fixed through XXXX XXXX XXXX XXXX the camshaft position advanced and had to go to XXXX XXXX XXXX of XXXX to put a brand new engine in the vehicle. Do to the car being stolen and then having to have a new engine replaced I have lost my job and have not been able to make the payments on the car. I called and tried to work something out with XXXX a payment plan anything and they will not work with me whatsoever and out ofXXXX months having the vehicle I only had it in my possession for five or six weeks all I ask for is knowing that it was stolen and also had to have the engine replaced if I could make a payment and add on the additional to the total cost of the vehicle but still just make the regular payments every month and they would not work with me
07/27/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	FL 33055	Web
hello on date XX/XX/ I took out a vehicle with financing for the value of {$15000.00} giving at the same time a Down payment for the value of {$5000.00} keeping the balance {$10000.00}, this balance was financed through the company ( Exeter Finance ) at 72 months paying a monthly fee {$300.00} My problem is that I have already made 17 payments, that is, a year and 5 months yes we calculate 17 months for the value of XXXX with XXXX gives me the value of the sum XXXX {$300.00} = {$5100.00}, ( I have proof receipts ) and here is the problem that I still owe them the value of {$9900.00} of that 17 payments which made only this amount of principal have gone {$630.00} and the rest of the money for the interest on the car, even so, 17 months after taking it out and paying monthly, I owe the balance of {$9900.00} It is unfair to me that of so much money that I have paid, only a small thing has gone to the Principal. I hope that you help me because I am paying for something that I will never finish paying.
03/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	SC 29209	Web
I received a copy of my credit report today and discovered an alleged hard inquiry, I do not recall authorizing any inquiries and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. U.S. Code, 15 U.S.C. {$1600.00} et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirm= physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me and only me. Please provide proof of permissible purpose by furnishing to n5 & 39 documentation of credit application with proof of signature showing that I indeed applied for credit with this company, else wise delete the alleged inquiries immediately.
04/02/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 90501	Web
Exeter Finance has never disclosed or provided any information regarding what portion of my payments are going towards the principle amount. Now that I have been temporarily laid off due to the COVID-19 crisis I reached out to Exeter to get some assistance with managing my payments and discovered that the last 7 payments were applied to interest only. I was never informed of this at any point. After spending 1 hour on the phone with them it was disclosed to me that I have a " simple interest loan '' and 100 % of my payment is going towards interest. The payoff on my car now is {$140.00} more than when I purchased it. It was also explained to me that they are unable to disclose the amount I pay towards the principal because interest is calculated on a " daily basis ''. So, I have never received any details about any payments I have ever made. I have paid {$700.00} a month for 18 months and the principle on my loan has increased by {$140.00}. I am at a loss and hoping for some help. XXXX XXXX
11/05/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	VA 20148	Web
I was called by Exeter finance on XX/XX/XXXX that my loan had matured and I had to pay it off on or before XX/XX/XXXX to prevent it from being delinquent. I asked if they could extend it another month but was told that they can not and that it will build interest if I dont pay. I asked if it would be reported on my credit and I was told no. The representative told me that after 75 days it will be reported on my credit and the car will be repossessed. I again called after two days and was told by another representative that I had to pay it on or before XX/XX/XXXX or it will be late. I had to come up with {$8700.00} to pay the car off. I paid it off XX/XX/XXXX at XXXX. Exeter finance still reported my account as late to the credit bureau. All the conversations were recorded. This company cheats its customers. Their goal is to cheat and ruin peoples credit. They have incorrectly reported on my credit and my score has taken a hit. Please investigate them and put them out of business if possible.
03/29/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	AL 35209	Web
My XXXX XXXX XXXX was repossessed in XX/XX/XXXX. I was notified that the car had been sold to another person but the balance still remains the same from the beginning of my contract inXX/XX/XXXX per my credit reports. My reports also show that the account was closed in XX/XX/XXXX but I made a last payment inXX/XX/XXXX Overview You've paid off 8 % of the original amount. Balance {$10000.00} Highest Balance $ XXXX Monthly payment {$0.00} Opened XX/XX/XXXX ( 5 yrs ) Term 51 months Payment History Last paymentXX/XX/XXXX Current Payment Status In Collections/ChargeOff Worst Payment Status No Info Account Details Account status Derogatory Type Auto Loan Responsibility Individual Remarks Charged off as bad debt Dispute resolved ; reported by grantor Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX See an error? DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
10/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33547	Web	Older American, Servicemember
On XX/XX/2019, I was advised via emails from my credit monitoring service that requests for my XXXX credit report had been made by XXXX ( credit union ), XXXX XXXX XXXX XXXX ( finance/personal ), and Exeter Finance Corp ( finance/personal ). On XX/XX/2019, I received another email from my credit monitoring service stating that a request for my XXXX credit report had also been made by XXXX XXXX XXXXWH XXXX XXXX XXXX XXXX XXXX MD XXXX ( Automotive ). All four of these requests were previously unknown to me and were never authorized by me. On XX/XX/XXXX and XXXX, XX/XX/2019 respectively, I received letters from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX indicating that they could not extend me credit based on credit applications in my name that had been forwarded to them by XXXX ( XXXX ). Again, I was previously unaware of these unauthorized and fraudulent credit applications. The letter from XXXX XXXX XXXX XXXX stated that " the only addition to your credit report will be an inquiry from us. ''
08/29/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	PA 190XX	Web
Hello After being unemployed for the past 2 years, I need to get my credit to good standing. I called Exeter to remove their credit entry from my credit report. The rep told me that they ca n't. The balance on the account is showing {$16000.00} and there is nothing I can do to bring the account current. There is no reason for this entry to be on my report. Exeter would not make payment arrangements with me and would not offer any type of arrangement for the account. I feel that this is harrassment and an abuse of company power. Since there is nothing more I can do with this account, it should be deleted from my report. I will request a protection from abuse order through the court system if this is not handled ASAP. I believe Exeter has recieved money from the sale of the vehicle and should not be charging me anything. The vehicle was definately not worth more than {$5000.00}. What would you like the business to do to settle your complaint? Delete the negative entry from my credit report.
06/09/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	TX 77520	Web
My name is XXXX XXXX my husband XXXX XXXX financed a car through Exeter Finance XXXX/XXXX/XXXX Account # XXXX. He was XXXX XXXX/XXXX/XXXX and received 10 year XXXX. I contacted them and explained situation was not at anytime told there was any issues of this and have made payments Exeter Finance took payments without hesitation. I received divorce XXXX/XXXX/XXXX and was awarded car in divorce I made them aware of this sent proper paperwork with included final decree and proof of his XXXX and requested paperwork change as well as full payment history that I would be refinancing with different lander and was told this would be taken care of. After months of this not being taken care of had contacted them numerous times requesting to talk to manager in which was told there was not one available and would receive call baxk which never occurred. I spoke with them few weeks ago and was told they would not be taking care of this and that contract was with XXXX and was being taken off call list.
04/21/2023	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 76227	Web
I have been current on my car loan for well over a year. I called in on XX/XX/XXXX to make a payment and the payment was declined by the servicing company. I asked why they are refusing my payment and Exeter explained that my car loan had been charged off. I asked why and no one was able to tell me why. I was placed on hold in excess of 35 minutes and eventually they hung on me. I placed several calls over several weeks and was able to get the Vice President of the Charge off dept. on the line and he explained my loan was charged off in Error. My payments were still declined, and I was asked to allow them time to correct this in their system. It took them until XX/XX/XXXX to get this corrected in their system. I was Offred a XXXX extension to cover the XX/XX/XXXX and XX/XX/XXXX payment. They begin to accept my payments as of XX/XX/XXXX and was paid on time, However Exeter reported to my credit report that I was over 30 days delinquent when they refused my payments for 2 months Straight!
08/06/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	TX 75035	Web
EXETER FINANCE COMPLAINT I requested a COVID relief forbearance back in XXXX, and was able to get a brief reprieve. Once that expired, I called on XX/XX/2020 requesting a regular payment plan, and talked at length with the agent, who was very empathetic ( very long conversation ) ; and he also escalated the request to his supervisor who advised that she could approve a payment plan after at least one payment. I did so the following week for the full monthly amount in good faith ( with the last monies I had from a partial paycheck ). I called again on or about XX/XX/2020 to request the forbearance, referencing the directions the supervisor told me to do from XX/XX/2020, and was told no and that I needed to make a double payment. I advised them to go back and listen to the recorded call from XX/XX/XXXX to confirm the commitment to me, and asked for a follow-up and for my arrangement. I was told that a manager would call me back. To date, I have not received any call or consideration.
10/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28273	Web
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Re : Social Security Number xxx-xx-XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. Exeter Fin XXXX, TX XXXX ( XXXX ) XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
10/18/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	VA 23503	Web
My name is XXXX XXXX and I have been harrassed by Exter Finance for over 7 months of non paymnet and asked for more money over the phone againt my account after proven I never missed a payment but has in fact over paid on my account. All phone calls are recorded and their are managers stating I have overage amounts waiting on my account but each day they were calling like XXXX times a day an sending threatening documentation to repossess my vehicle which I told them was stressing me out they did not care. I have given them every fax from my bank showing over payment from bill pay an yet they do not update my account but continue to harass me. I would like this stop and my account reported to XXXX bureaus as always being in good standing as well as reflecting on my statements of over payment. I think I should also be compensated for there neglect to human negotiations an respect for me as they attracted my character and integrity. My payment is only XXXX ... I have alays over paid.
01/26/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 37209	Web
In XXXX I purchased a XXXX XXXX from Exter finance and received the title. I took that title and traded it in on my current car which is a XXXX XXXX XXXX XXXX. The dealership where i got my XXXX took the title and gave me credit for my car because I had owned it now years later Exeter finance is trying to say I still owe thousands of dollars for this car that has been traded in and payed for. Ive tried to contact them multiple times and explain to them that the car was paid off and the title was received they keep telling me that it was a mistake that I received my title and that I still owe a balance which is not true. I told him that I was going to dispute it through the credit agency and they told me to go ahead that it would remain on my credit for seven years. Their destructive behavior and destructive attitude is continuously bringing harm to my credit report my credit worthiness and opportunities. Please remove help me in dealing with this matter. Thank you in advance
01/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 349XX	Web
This company has misleading deceptive marketing practices making a consumer believe that they can potentially get approved for their services. And it is in this companys best interest or whomever put this credit inquiry on there to discontinue this deceptive practices and to remove the hard inquiries from my credit report because it has caused financial and emotional duress to me and family. I will be working with my attorney to make sure that this company is following all of the FCRA laws. You MUST have permissible purpose from the creditor, written authorization and PROOF you imitated the hard inquiry on file under SECTION 604 OF THE FAIR CREDIT REPORTING ACT. WITHOUT : Permissible purpose from the creditor. Written Authorization ( your signed application of credit ) Proof you initiated an inquiry Under section 604 of the fair credit reporting act The inquiry MUST be deleted. XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Date of Birth - XX/XX/1995
06/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI XXXXX	Web
The balance being reported by is not accurate. The outstanding balance stated for this debt is {$7900.00} last I checked. This balance also clearly lacks the credit of the GAP insurance purchased at the time of the vehicle purchase on XX/XX/2019. The GAP insurance was refunded at a prorated amount due to the cancellation of the contract as a result of Exeter and their unwarranted repossession. It is obvious that either the selling dealership or Exeter has failed to include the GAP insurance refund in the so-called unpaid balance following the auctioning of my XXXX. The finance contract signed by myself, and my co-buyer XXXX XXXX has been modified to state that I XXXX XXXX was the co-buyer when in fact Iwas the Buyer. It is inaccurate to report that XXXX XXXX was the buyer when he did not require a co-buyer to make the purchase. I XXXX XXXX was the one that required a co-buyer due to my lack of credit worthiness. Please assist me in getting the account corrected or deleted.
11/27/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	IL 60443	Web
I purchased a XXXX XXXX XXXX in XXXX of this year XXXX unaware that it was prone to car thefts my car keep getting stolen or the keep being attempts where someone try to steal it all in all Im stuck with the repairs cost thousands of dollars in repairs I cant keep up with paying the insurance because paying to get to and from work when the vehicle was stolen the 1st time I couldnt stay afloat XXXX are expensive 5 days a week to and from work for nearly a month until they found the car and 3 weeks for it to be repaired after due to the overwhelming demand for parts due to high thefts for this model I am stuck in this loan with a car Ive have had for nearly 9 months and only have been able to drive it 2 of the 9 months Ive owned it total it was just attempted to be stolen again today window busted steering column destroyed again yes the immobilizer prevented them from getting it but the repairs are becoming extremely expensive XXXX shouldnt leave customers stuck with this
03/02/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	MO 63136	Web
Sent a Notice to dispute letter on XXXX to Exeter Finance for debt validation and to report to the credit bureaus that this was in dispute. Company sent back the retail installment contract on XXXX, which my understanding that is not a valid way to validate debt. I asked for a ledger, a copy of the original contract binding both parties, as well as verification for the claim. This was the second time asking for this information. I sent another letter on XX/XX/ requesting the same documents and stated how they kept calling me harassing me about a debt that was not properly verified and to up my insurance. Again another letter was sent back from the company on XXXX sending the same retail installment contract and not fulfilling what was asked of them in the 1st letter. They then sent me statements and proceeded to send a repossession letter on XX/XX/. I sent an Affidavit back to them to sign on XXXX and if they do not sign they are to fulfill the invoice I sent with it.
02/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33054	Web
EXETER FINANCE LLC # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section State : No consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
06/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30349	Web
I have reached out to said companies several times about the inaccurate information being reported on my report. In accordance with the Fair credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 15 U.S.C. 1681 section 602A states I have the right to privacy. 15 U.S.C. 1681 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) states NO consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C. 1681s-2 states a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
01/07/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Personal information incorrect	VA 22406	Web	Servicemember
I recently had a name change and I tried to call Exeter to inform them of my name change. As usual Exeter will not take any of my information down correctly. I informed them back over the year XXXX that I was struggling to make payment because I became ill in XXXX from XXXX. I only receive {$4100.00} a month. I have tried sending them my XXXX, Veteran Affairs Award letter and they did not want to assist me. I am an unemployed totally XXXX percent disable Veteran with XXXX, XXXX XXXX XXXX, fluctuations of XXXX levels, XXXX XXXX XXXX, XXXX, XXXX, and XXXX. The back an forward with Exeter is aggravating my XXXX XXXX. Exeter Finance still has me listed in the systems as working and did not take the car back I tried to surrender over half a year because they were listening to XXXX XXXX XXXX, a person who didnt make one payment on the vehicle and they did mot tell me any of this. I feel as if I have been discriminated against and treated unfair and without dignity.
12/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX XXXXX	Web	Older American
XXXX, XXXX my vehicle was voluntarily surrendered ( XXXX XXXX XXXX ). Paid {$19000.00} and pay-off was {$20000.00}. The cost to repair is {$7000.00}. Tried to communicate via electronically and phone to try and resolve, but they would not listen. I am citing XXXX for being on their side after showing them all evidence. I just wanted XXXX to report a remark to " Volunteered Surrender on the credit report. XXXX states that they are only following procedure and report exactly what Exeter Finance dictates to them. I wish for XXXX and Exeter Finance of Texas to remove all information from my credit bureau file, but I know they will not listen to me. MAYBE THEY WILL LISTEN TO CFPB. You can reach me at XXXX or cell phone XXXX PS Exeter Finance does not know where the vehicle is and I have told them. PS 2 : Would like Exeter Finance to surrender title in order for me to fix {$7000.00} repair. PS 3 : VIN : XXXXXXXX XXXX XXXX XXXX XXXX PS 4 : ACCOUNT NUMBER : XXXX
11/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CO 80439	Web
This is XXXX XXXX and am reaching back out to you because, I received the response back that I recently received from your company. I was informed that Exeter finance was not the company that I was filing the complaint about.This statement that they have given you is completely false and I received correspondence back from them proving it is them .Clearly if I would have known what shady business practices they would be involved in, I would have found a different financial company.This company Exeter finance shouldnt even be in business, I have fully tried to get them to remove the late payment and they have not. I have tried getting supervisors on the phone and they tell me to send emails, which Ive done numerous times .This has accomplished nothing, Ive enclosed the email they have sent back to me proving that it is them .Please assist me in having this removed from my spotless credit profile as it is hindering all my future plans. Thank you. XXXX XXXX
12/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 331XX	Web
I, XXXX, the natural person is still a victim of identity theft and the non authorization of credit reporting from third party bureaus such as XXXX. I have seen collection accounts drop off yet it is still appearing. this is willful defamation. FCRA Part ( A ) ( 5 ) ( B ) ( ii ) violation by reinserting information of the said account without notification, FDCPA Section 807 ( 8 ) ,805,806 violations as well. The information was already deleted please delete them for good, XXXX XXXX XXXX and EXTER FINANCIAL LLC/CORP ( still reporting ), I have NOT AUTHORIZED any reporting, nor should be reporting on my report, they have no permissible purpose or my written consent and from I XXXX the natural person. Pursuant to the 4th Amendment, these companies are blatantly and fraudulently harassing and defaming my name and character, in addition to the infringing on my Constitutional rights : To my privacy and security in my papers. They are very much liable for damages.
01/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	TX 75253	Web	Servicemember
I have no understanding why Exeter Finance is being aloud to violate my FRCA rights. In XX/XX/2018 Exeter Finance Corp reported a payment to XXXX this account is a charge off so how was a payment made? Where is the receipts? whose making payments?. And while an account is being disputed it is my understanding If you dispute the debt, the debt collector can not report it to a credit reporting agency unless and until it verifies the debt. If the debt collector has already reported the debt ( before it received your dispute letter ), it must notify the credit reporting agencies that the debt is disputed. After verifying the debt, the debt collector can report it, but only as a disputed debt. A debt collector violates the FDCPA and the Fair Credit Reporting Act if it reports a debt that it knows, or should know, to be false. This has happened to me mulitple times and I am tired of it. Please help me in fighting this. See attached letters where I disputed.
02/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76133	Web
I already recently filed a complaint against Exeter XXXX regarding my balance still appears to be {$4300.00} for some time now. So when I made my payment this past XXXX on XX/XX/XXXX of {$210.00}, I'd informed them of the complaint filed and the reason. Well the next day XX/XX/XXXX, I received an alert from XXXX XXXX informing me that there had been a change. So when I go look to see what was going on, Exeter had dropped my score a whopping XXXX points! Going back to XXXX of XXXX! Also this balance is not correct. I should now owe {$3800.00} from XXXX months ago to this date .They as well updated my payment status on XX/XX/XXXX, and the amount as I've stated stayed at {$4300.00}! And when I made my payment this past XXXX, I asked what would now be my balance? XXXX declined but stated that I could call back the next day for that status update, knowing that it would be Saturday! Now they are saying the balance is {$470.00}. So something is definitely off.
11/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33311	Web
I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the companies listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. I have Contacted each creditor individually and all have stated the proper documentation & request has been sent to your bureau to have this inquiry removed. I ask that it be removed immediately from my credit file.
02/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NJ 07017	Web
On XX/XX/XXXX I mailed a certified letter to the company Exeter Fin to remove 3 unauthorized inquiries on my credit report. XX/XX/XXXX I then filed a CFPB complaint XXXX. On the company to further address the issues with a proper response. On XX/XX/XXXX Exeter Fin responseded stating in every sense of the word that they was giving approval from additional companies to submit a inquiry on my report ... .. however the response from Exeter Fin is unacceptable because this company has yet to provide that approval or application of consent that was giving to these so called companies they referenced. I demand that Exeter Fin to make it very simple and locate any type or form of consent giving by me to them or any company seeking financial assistance. If you can not provide this simple document then you must delete this inquiry. Please feel free to upload any documentation to prove the accuracy of this inquiry on the CFPB website for us all to see.
11/16/2023	Yes	Vehicle loan or lease Loan	Repossession Account reinstatement or redemption after repossession	IN 463XX	Web
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 and UCC Article 9 601-628 XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
07/03/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	FL XXXXX	Web
Exeter failed to provide a written disclosure of the annual percentage rate, finance charge, monthly payment, and all other required disclosures under the Truth in Lending Act prior to obtaining my signature. The terms of agreement were not clear and concise. Exeter sent a copy of a contract not signed by me ( forged signature ) which does not align with the original document I signed. ( I have uploaded both copies ) Exeter has also failed to provide me a written notice explaining why I received less favorable lending terms. They have also failed to respond to previous notice of Dispute Billing Error and Notice of Default Opportunity to Cure. Also has violated my request to cease and desist and to only send correspondence to the address I provided during dispute by sending an individual who refused to identify himself in an attempt to repossess my vehicle. They are also incorrectly and illegally reporting inaccurate information on my consumer report.
01/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11226	Web
To Whom it May Concern, I have recently obtained a copy of my credit reports that reflects a credit inquiry made by your company that I do not recall authorizing. This letter is your formal notice to remove the unauthorized hard inquiry your organization has made to my credit report. This is also a formal request for you to immediately contact the credit reporting agencies and credit bureaus, to have the unauthorized inquiry removed. To the best of my knowledge, I did not sign any documents authorizing your organization to view my credit history. As such, your inquiry violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions not initiated by Consumer. If you have any documents that you believe authorized your organization to make the inquiry, I respectfully request a copy of it to be sent to my address so that I may verify its validity. Given the growing nature of identity theft, this verification will protect both our interests.
10/06/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30328	Web
see FTC report # XXXX this account first reported on my credit report in XX/XX/2022. i requested Exeter provide me with the alleged contract with the " terms '' they stated I agreed to. They never provided me with this alleged contract which is proof of fraud/identity theft because i never signed a contract with them. They are invading my privacy, harassing me, threatening to STEAL my property & it does not belong to them nor have i given them any security interest. They have never loaned me anything. I have never agreed to anything with them & they have failed to provide any proof. I am demanding a cease & desist of all illegal activity. If they can't provide me sufficient documentary evidence that i have any legal obligation to pay them or to seize my property & Exeter continues their efforts, I will file for litigation for actual damages caused & they will be held criminally liable. Your prompt attention & response are both requested & required.
01/20/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	LA 701XX	Web
I was harassed an abused by mail and also by telephone. Repeatedly called and mail which is a form of harassment, they were not given permission to call or send mail to me. They were not given permission to report to XXXX, XXXX, or XXXX. Reported information to third party debt collector without my permission. They said the debt was validated, when it wasn't validated by me. I was threaten by the use of violence and or other criminal means to harm me the consumer. They used obscene language towards to over the phone and also thru mail. They advertised the sale of debt. When they sent mail there was a logo on the post card which is in fact a violation also. Cash was taken when cash is not supposed to be taken for a credit transaction. Their actions caused me to be discriminated against, and caused XXXX, and also caused me to lose jobs and not be able to get another job. These debts were not properly validated. They did these things to me purposely.
09/21/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	PA 19111	Web
I am struggling to pay a car note on a vehicle that is no longer anywhere near the value I currently owe. I did not have the best credit score at the time of the purchase of the vehicle and was provided with an interest rate of 16.95 %. I tried to get other financing at that point but I was denied. The car was sold to me at {$26000.00}. To date I have paid a little over {$22000.00} I have a remaining balance of {$20000.00}. I have not been able to refinance the car due to the XXXX XXXX value being between XXXX XXXX dollars. I have requested to get out of this loan many times as I can no longer afford it. I have attempted to get a lower interest rate from my bank however I was denied. At the time of the purchase the sales person told me I would be able to trade the car in within 3 years however i am so upside down in this loan no one will take this on. If I am stuck in this loan due to predatory lending I will pay almost double for this car.
10/30/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	WI 53208	Web
I declare under the penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements to omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This alleging that a person or a company without my authorization used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC. Police report and FTC report has been both filed and submitted XXXX, and Exeter Finance are breaking FCRA 605B ( 15 U.S.C. 1681c-2 ) by continuing to report debt on my consumer report that does not belong to me.
11/29/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	IL 60110	Web
Well for several months I contacted Exeter Finance with no response to trying to solve the situation at hand. I was told that I had not paid for an XX/XX/XXXX payment. I let them know that the funds for XX/XX/XXXX had come out of my account. And they told me no I still had to pay for the month of XX/XX/XXXX. When I spoke to a repersentive they told me I was 112 days past due and was still demanding payment for XX/XX/XXXX. I was I also asked for a form to match payments made and never received it from them. So in the end they reposed the car and I was told that I still had to pay for the month of XX/XX/XXXX on top of all the other fees. Fees for storage, tow and all back payments which totaled around {$2000.00} dollars all in all. They are not a good finance company they offered no other alternatives. They are a straight rip off and are no good to consumers trying to make it. So by Exeter doing what they did I am now forced to file Bankruptcy.
10/01/2015	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	CA 94590	Web
In XXXX of 2014, I tried an XXXX XXXX XXXX and found their interest rates and car selection to be predatory and unacceptable. I never went through with any of the loans offered, and when asked if they could do a credit inquiry I was told that they would only do XXXX soft inquiry that would not affect my credit report, only to find that my TransUnion credit report has XXXX hard inquiries from the same group of financers that I never approved. XXXX of the hard inquiries were made soon after my meeting at the building that XXXX tells you to go to when financing a vehicle. XXXX inquiry was made a month after my visit to the office. There is simply no excuse for them having done XXXX hard inquiries when I only authorized them to make XXXX soft inquiry that would not impact my credit. I did not use any of these financial services and went with a XXXX loan instead. EXETER FIN ( XXXX XXXX, 2014 ), XXXX ( XXXX XXXX, 2014 ), XXXX ( XXXX XXXX, 2014 ).
10/15/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	IL 60419	Web	Servicemember
On XX/XX/2021 I sent a certified debt verification letter per 15 USC 1692g Sec. 809 ( b ) of the FDCPA. to EXETER FINANCE LLC located at XXXX XXXX XXXX, XXXX, TX XXXX XXXX. On my credit report, Exeter has reported a balance of {$13000.00} along with other negative items that have affected my credit. On XX/XX/2021 at XXXX XXXX my certified letter was successfully delivered to Exeter Finance. Their offices failed to respond to the validation request within 30 days from the date of receipt and did not delete and completely remove the negative marks from my credit file. Instead, on XX/XX/2021 Exeter finance and XXXX XXXX XXXX XXXX stole my vehicle from my home which is private property. Not only did Exeter not respond to my certified letter requesting verification of the debt, but they have also violated the following laws : - 15 USC 1692g Sec. 809 ( b ) - 15 U.S. Code 1692e - 15 U.S. Code 1681- Illinois Statutes Chapter 810. Section 9-609.
10/14/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	NJ 08109	Web	Older American
I want to file an irregularity complaint about a report to the credit bureau on a collection account from the company called Exeter Finance LLC. This contract between this company and the original owner XXXX XXXX started on XX/XX/XXXX, with account number : XXXX, on a XXXX brand car, model ; XXXX, XXXX XXXX. From that date, the vehicle was paid regularly for two years but in XXXX XXXX XXXX XXXX, the place where she worked was closed and it was very difficult for her to get a job to be able to pay her obligations or commercial commitments and she began to fall behind with it and then came the Corona virus19 Pandemic, this does not justify the delay in your payments but this vehicle described above was recovered ( through repo cars ) by Exeter Finance LLC and we are sure it was sold to another client. The collection agency is XXXX XXXX XXXX XXXX, file # XXXX. Our question is ; is this legal? XXXX XXXX and XXXX XXXX XXXX XXXX ( Co-signer )
09/27/2018	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NC 287XX	Web	Servicemember
I financed a XXXX XXXX XXXX through Exeter finance on XX/XX/XXXX and I have made 50 payments at this time. On XX/XX/XXXX I decided to trade in this vehicle, but when my credit report was ran this loan has not been reported to any of the three major credit buraus. I contacted Exeter on XX/XX/XXXX and spoke with two different people and no one could explain why or fix the issue. I contacted them again on Monday XX/XX/XXXX and spoke with a supervisor who told me someone by the name of XXXX XXXX from XXXX Texas sent them a letter in XXXX of XXXX asking them not to report my payments. I sent Exeter an email about their mistake and they continue to refuse to correct the issue. I called back on Tuesday XX/XX/XXXX and spoke with several people and they continue to refuse to fix their mistake. Now I am stuck with a vehicle that I no longer want. I feel like this company should be held responsible for their fraudulent actions and solve this issue.
02/25/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	IL 60473	Web
Hello I am a consumer and I am writing in reference to a vehicle I had repossessed by Exeter finance in XX/XX/2016 which i never recieved any documents concerning the repossession because I had moved out of state and was in the hospital for a few m I nths due to a XXXX so when i finally got out a few days later i found out that they came to my sisters house and made a big scene when they repossessed the vehicle embarrassed my family and i had no idea i was in default. The vehicle was sold Unbeknownst to me I havent recieved the amount it was sold for but the value of the car on blue book is between XXXX to XXXX dollars the finance company is still reporting I owe XXXX dollars all though they have sold the account to another collection agency I disputed this with XXXX and they still have not removed this account because it is not accurate and Exeter doesnt own the account anymore and I have never contracted with the agency it was sold to.
06/15/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	MS 39402	Web
I received a " NOTICE OF RIGHT TO CURE DEFAULT '' from EXETER FINANCE, LLC. I was not informed of my right to dispute the alleged debt, nor was I provided thorough instructions of how to go about the procedure to do so. Further, I have been receiving frequent calls in the past, as well as letters threatening and harassing me, the consumer. With the latest letter I received on XXXX XX/XX/2023, I was instructed to " pay '' the amount due or forceful and inequitable actions would be taken against me such as repossession. Pursuant to the FEDERAL RESERVE ACT, Sect 16 ; the loan for the application is actually used as the " money '' to pay for the transaction. Pursuant to the Truth In Lending Act, Congress also finds that there has been a recent trend toward leasing automobiles and other durable goods for consumer use as an alternative to installment credit sales and that these leases have been offered without adequate cost disclosures.
07/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30127	Web
I am completely dissatisfied with this company called Exeter Finance , XXXX, XXXX, & XXXX XXXX XXXX. I have contact them and XXXX MULTIPLE times over the years for them to remove themselves from my credit report. I sent the credit bureau the police report attached where my property, identification, and social was stolen back in XXXX. This company has been reporting on my credit since XXXX!!! Just in the last year I have sent them 4 different letters for removal from my credit report. Letters where dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and finally XX/XX/XXXX. All with the police report attached showing my identification was stolen along with proof of my address at the time. I have NEVER had an account with this company!!!!! XXXX, Exeter Finance, XXXX not XXXX XXXX XXXX have sent me any PROOF, as in when or how, that these accounts were validated to be mine. They have nothing with my signature on it stating the accounts to be mine!!!!
06/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WI 53223	Web
I am disputing my two late payments reported on my credit. The finance company reject a payment XX/XX/2020 from XXXX company that was paying it off. I am disputing my two late payments reported on my credit. The finance company reject a payment XX/XX/2020 due to covid-19 and another payment was than submitted again on XX/XX/2020. I contacted them monthly and was advised to not make a payment as they received a payment but it was not processed to follow up in a few weeks. I made two calls per month to attempt and resolve this matter. I did not want any negative reporting to my credit I was proactive and am shocked they still reported negative when I have attempted to make payments. I would like have my supported documents reviewed I see that the fiance company would process payments and reverse them I am not sure why. With my two gap policy and insurance company XXXX didnt have any balance. I did not miss any payments prior to this.
03/17/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	GA 300XX	Web
Hi bought a car financed it through Exeter financial via XXXX. I later found out that XXXX has an ownership interest in Exeter and they did not even try to find me a lower interest rate. My interest rate was 28 % I was able to refinance my auto loan through upstart for 12 %. XXXX mailed a check to Exeter on XX/XX/XXXX to pay off my account. There was an overpayment of {$140.00}. I have not received the check back for the overpayment when Exeter reported to the credit bureau instead of reporting it as a paid off loan they reported it as a delinquent of {$20000.00}. I have tried on several occasions to get Exeter to get it corrected or to even respond to me. With no luck. My complaint is my credit score dropped XXXX points when they did that. I also need my overpayment check and I would like an explanation as to why Exeter and XXXX put me at a 28 % interest rate rather than a company that had lower interest rates that I qualified for
04/29/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	NC 28681	Web
Dear Sir/Madam, I am writing to dispute the repossession and sale of my XXXX XXXX XXXX XXXX. I never received any notice that the vehicle was going to be sold, which is a violation of my rights as a borrower. According to the Uniform Commercial Code, a creditor must provide a borrower with notice of the sale of a repossessed vehicle. The notice must include the date, time, and place of the sale, as well as a description of the vehicle and the amount of the sale proceeds. However, I did not receive any notice of the sale of my vehicle. Because I did not receive notice of the sale, I was unable to attend the sale or bid on the vehicle. As a result, I was not able to protect my interests in the vehicle. Below I attached a screenshot of a letter that was uploaded to the documents portion of my online account. Only the notice of intent to sale was uploaded and sent. I was not made aware of the actual sale date, time and location.
04/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20721	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
04/29/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	NC 28681	Web
Dear Sir/Madam, I am writing to dispute the repossession and sale of my XXXX XXXXXXXX XXXX XXXX. I never received any notice that the vehicle was going to be sold, which is a violation of my rights as a borrower. According to the Uniform Commercial Code, a creditor must provide a borrower with notice of the sale of a repossessed vehicle. The notice must include the date, time, and place of the sale, as well as a description of the vehicle and the amount of the sale proceeds. However, I did not receive any notice of the sale of my vehicle. Because I did not receive notice of the sale, I was unable to attend the sale or bid on the vehicle. As a result, I was not able to protect my interests in the vehicle. Below I attached a screenshot of a letter that was uploaded to the documents portion of my online account. Only the notice of intent to sale was uploaded and sent. I was not made aware of the actual sale date, time and location.
08/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91786	Web
XX/XX/XXXX, I submitted a dispute for a balance of XXXX $ that was charged off in XXXX. After submitting the dispute to Exeter finance, I received a notification on my XXXX account on XX/XX/XXXX, stating that my credit score dropped XXXX points. When I looked, Exeter finance had handled the dispute, and added a balance of {$100000.00}, and reported it to XXXX. So now the balance went from XXXX to XXXX, and its showing on my credit report that I have a six figure debt to Exeter finance. When I called Exeter they stated that they cant see it, however I have print outs of that new balance that was reported, and I spoke with an XXXX representative and they stated they can see the XXXX as well. Exeter is refusing to assist me with this. This is absolutely illegal. And now my credit has suffered because of this fraudulent reporting of a XXXX debt owed on a XXXX car that was charged off 4 years ago and sold at auction for XXXX
01/26/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	FL 32548	Web
Exeter is the loan company my son and I are on loan together. he lost his job tried calling the company on XX/XX/2020 to let him know that he as no job and we need to see if we can change it over for me to be the primary loan holder. could not do that or take him off or see if can refinance and get a better interest rate. just wanted payment. interest is 29 percentage and was advised in the state of florida interest rate is only 24 percentage no higher. we are being charged more then the state requirements on interest. first car for my son had to get this loan underneath him as cosigner because he had no credit. per dealership was told interest is way to high for florida. would like to get interest better and see if can change it to just me and he be cosigner. did send in a complaint to the XXXX XXXX XXXX with no response from them yet. was sent in and waiting to hear from them official. any assist would be great. thank you
05/16/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	GA 30097	Web
I purchased my vehicle on XX/XX/2018 in XXXX, IL. The car dealership went with Exeter finance which gave me a loan for 25.36 % My credit score was XXXX when I purchased the vehicle. Ended up paying {$700.00} monthly for a XXXX base model XXXX XXXX. Illinois law in 2018 was you could not charge more than 20 % financing. I was charged well over that. Ive contacted the office of the Illinois attorney general & was advised theyve made contact to the finance company. That I should be receiving an offer from the finance company. That was in XXXX, Ive attempted to contact Exeters legal department & was told they correspond only my letter or email. Ive been told they do not do refinancing. Ive been forced to push my loan back an additional 4 months just to not loose my vehicle. I feel like Ive been taken advantage & just being given the run around. At the end of the loan I would have paid over {$50000.00} for a {$25000.00} car.
02/28/2023	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	NC 283XX	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my rederally protected consumer rights to privacy and confidentiality under 15 USC 1681. Exeter Finance has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followinc items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven vears. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
09/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	NY 12309	Web	Older American
I co-signed for a loan with my then wife for an auto loan. Fully realizing my involvement should such loan be in jeopardy of default. The loan company ( Exeter Finance ) has my personal information, inclusive of my phone number for contact purposes. After our separation, I kept Exerter Finance current with my personal information, ( of which my contact phone number has not changed, ever, even today remains the same. The loan was 30 days late twice, but Exerter Finance, failed to contact me so I could exercise my obligation and satisfy the lingering debt. Subsequently they have my credit file notated of a 30 day late payment without any personal notice. Ive contacted Exeter Finance to amend my credit report as I was not notified of my obligation either in writing or by phone. Exeter Finance representatives upon reviewing the file confirmed that my current phone number was the same as on the initial loan paperwork.
03/17/2017	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	CA 94601	Web
I have been a victim of identity theft and Exeter finance is one of the companies that is listed on my report that is due to this theft. I have done all of the steps required to take care of this situation, I have filed a police report I have done a FTC identity theft affidavit sent in my identification to them and I keep getting no response from them. I called last week and was told my police report was not signed by a XXXX I explained to them in XXXX ca if it is not a crime that puts you in immediate danger you are to file a police report online and wait for it to get approved by an XXXX which is what I did my police report was approved and the XXXX name is on the report. I explained this to them they said they would just call the police station to make sure it was a valid report that day I said fine I called to follow up and no one seems to know anything. I sent everything over to them why must I be a victim twice
07/10/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75039	Web	Servicemember
This complaint is in reference to the Exeter Finance Account Number : XXXX entry which is being reflected on my XXXX and XXXX credit report. I have contacted Exeter Finance several times requesting viable evidence bearing my signature and how they verified this alleged account without providing me any proof that this account in fact belongs to me i.e. something with my signature. As per FTC opinion letter from Atty. XXXX XXXX XXXX you should be aware that a printout of a bill or an itemized document does not constitute verification. I am challenging the accuracy, compliance, and reportability of this listing. I do not consent to XXXX or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this notification may result in a small claims actions. In the abscence of any such documentation I formally request that this information be immediately deleted from my credit file.
11/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 23453	Web
XX/XX/XXXX I sent a letter to the XXXX major bureaus outlining inaccurate and unverified accounts on my report. It is almost 60 days later and I have not received remedy. The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be deleted from my credit report. IC systems is in violation of consumer rights and reporting false information on public consumer reports.
07/08/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	PA 195XX	Web
Exeter Finance LLC have been purposefully charging me extra fees in excess of {$2000.00} over the past XXXX months in late fees after Informing them that I need to change my due date to XXXX of every month to help me pay my car payment onetime. I called on XX/XX/XXXX to inform them that I need to change my due date from the XXXX to the XXXX of every month I called on XX/XX/XXXX to inform them that I need to change my due date from the XXXX to the XXXX of every month I called on XX/XX/XXXX to inform them that I need to change my due date from the XXXX to the XXXX of every month I called on XX/XX/XXXX to inform them that I need to change my due date from the XXXX to the XXXX of every month I called on XX/XX/XXXX to inform them that I need to change my due date from the XXXX to the XXXX of every month I called on XX/XX/XXXX to inform them that I need to change my due date from the XXXX to the XXXX of every month
01/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AR 71603	Web
ACCOUNT NUMBER XXXX MONTHLY AMOUNT {$380.00} DUE DATE XX/XX/XXXX WELCOME TO MYACCOUNT XXXX MAKE A PAYMENT RECURRING PAYMENTS ACCOUNT HISTORY MY MESSAGES MY DOCUMENTS FINANCIAL LITERACY AND YOU USER PREFERENCES LOG OUT MESSAGES INBOX SENTDELETED CREATE MESSAGE DELETE FROM SUBJECT DATE TOPIC XXXX No late payment, all payments were made, Total recovery was paid and cleared out. XX/XX/XXXX XXXX XXXX Credit Bureau Inquiry XXXX payment made XX/XX/XXXX XXXX XXXX Payment Inquiry Showing 1 to 2 of 2 entries ACCOUNT SUMMARY CONTRACT Contract DateXX/XX/XXXX Maturity DateXX/XX/XXXX APR ( % ) 22.62 Org. Amt. Financed {$14000.00} Monthly Payment {$380.00} Amount Remaining {$0.00} Payments Made13 Months Extended0 VEHICLE Model YearXXXX MakeXXXX ModelXXXX Last 6 Digits of VINXXXX GET PAYOFF I have enclosed proof where this account was never late and has been paid in full. Its still being reported negative on my credit report.
05/28/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 92629	Web
On XX/XX/20 I sent a payment {$910.00} from my XXXX online bill pay to Exeter. Exeter deposited the check which was at first returned for NSF, Exeter resubmitted the check it was paid on XX/XX/20. Exeter refuses to credit my account and states the check was returned. XXXX has spoken to them and verified the check was paid, I have sent copies of the check shown as paid as well as my bank statement showing the funds withdrawn from my account and Exeter still maintains they did not receive payment. I have spent hours on the phone with them, tried calling their bank XXXX XXXX who would not help me since I am not an account holder, and have spoken to XXXX several times who claims they can not help because they released the funds to XXXX XXXX. It has been months and hours of my time, each month I am charged late fees for Exeter not crediting my account and my credit score has suffered. I dont know what else to do.
05/06/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	TX 76244	Web	Older American, Servicemember
When we moved to Texas in 2012 we purchased a vehicle for personal use. Due to my wifes credit score I co-signed as the primary signee but was charged a much higher interest rate at about 18 %. We paid on time for about 4 years until my wife became ill with XXXX XXXX. We contacted the company and made an agreement a couple of times but still had financial issues. Finally we asked the company if we could pay a reasonable amount and settle and they agreed not only to close the account but delete the negative from my credit report. So far the negative has not been deleted per the agreement. Unfortunately I took them at their word and they were untruthful. I just want this removed because this is the only negative on my credit. Im not saying we were never late but we made every effort to resolve this in good faith and they got every dollar and plus interest this car was worth. Please help me with this. XXXX Bless!
11/01/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX XXXXX	Web
The payment was attempted online three times and failed on ( XX/XX/XXXX ) This payment was made while I was in XXXX battling XXXX and XXXX XXXX for {$250.00} leaving {$35.00}. I then attempted to pay the remainder with ( 3 ) different cards which all clearly had enough to cover the {$35.00} charge and all three were declined. I couldn't reach customer service until Monday as this was a Sunday. I was told it was nothing they could do. This company went on to report this {$35.00} partial payment as late to the credit bureau and charge me a {$66.00} late fee. I asked the customer service representative if they had any XXXX clauses in place to assist and did not. I made all attempts to make this payment. Their payment portal was not let me make the payment. I should have my credit file destroyed and be charged {$66.00} for a late fee for a {$35.00} partial payment. I had no idea what the misc fee {$25.00} is for
03/31/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 63136	Web
My credit report is reporting inaccurate information. XXXX and XXXX are reporting a balance of $ XXXX.However, correspondence was sent to me from the debt collection agency XXXX XXXX, XXXX. that has a balance of {$2600.00}. XXXX is reporting a Date Opened of XXXX and XXXX is reporting a Date Opened of XXXX. XXXX is reporting late payments for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. However, XXXX is reporting late payments of XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. XXXX and XXXX are reporting a balance at the same time reporting that the balance is Paid and Closed. I've sent in dispute letters due to the number of violations being reported. They still refuse to delete the account. I was never sent any documentation prior to the repossession such as Notice of Default and Right to Cure, Notice to Sale Property or an itemized deficiency showing balance.I want this account deleted for FDCPA and FCRA violations.
10/29/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 92701	Web	Servicemember
I obtained a loan from Exeter Finance Corp with an interest rate of 22.9 %. After making approximately 12 months of payments I began the process of purchasing a home and secure a mortgage. I was informed that my auto loan with Exeter contained a outrageously high interest rate, high payment, and the vehicle had around {$5000.00} dollars in negative equity in the vehicle. I was informed by lenders, my legal counsel, and the veterans home loan association, that I would still be able to obtain loan provided Exeter reported correctly and only reported a repossession to the credit bureaus. Exeter has wrongfully reported that I was late in paying on my account, and has subsequently caused me to insure a financial loss of {$30000.00} dollars. After speaking with XXXX, in the escalations department and offering Exeter a settlement offer, XXXX told me I would receive a call back from XXXX XXXX, however, I never did.
08/01/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	TX 76036	Web
I have made several requests for 2 weeks now for the vehicle to be picked up but they efuse! They keep calling me before XXXX XXXX when I have told them NOT to call me before that time as I am at work until that time! At this point they're intentionally calling me when I said I'm NOT available just to drag this out! Every time I call, a manager is NOT available and at this pont they're refusing to pick up the vehicle! It's causing me unnecessary stress, unscheduled interest and additional late charges! I have given them more than enough time to pick it up but they wont! I have told them that they need to relinquish all liens if they don't have it picked up by XXXX XXXX XXXX on XX/XX/23. It needs a new engine as the timing chain has broken! The passenger seat is stuck and won't recline. It's not worth anything and I'm not paying on a vehicle I can't use. I tried surrendering it but they won't come get it!
08/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	WA 98058	Web
I have been disputing this account since XX/XX/XXXX and I have been asking for verification documents to show that this account does in fact belong to me and they have not responded in writing with any information. When I contact these companies by phone they are not even able to locate my account with my name, social, and address. Exeter claims that they responded to my validation request on XX/XX/XXXX and XX/XX/XXXX but I never received any contract or validation documents from them. I would greatly appreciate these documents being uploaded to this site for The CFPB and myself to see. I would also like to request a payment history. There is different payment history being reported between the three credit reporting agencies that are changing the statute of limitation of this account and re-aging the account which is against the law. This alone is reason enough to delete this account from my credit.
03/30/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 30324	Web
Exeter Finance and XXXX XXXX XXXX are in violation of identity theft. I currently pay {$420.00} to Exeter Finance and this company doesnt have my physical title on hand when it was needed. The document attached will show information that was shared with me as proof that XXXX XXXX XXXX has access to my private information. 3-302. HOLDER IN DUE COURSE. ( 2 ) the holder took the instrument ( i ) for value, ( ii ) in good faith, ( iii ) without notice that the instrument is overdue or has been dishonored or that there is an uncured default with respect to payment of another instrument issued as part of the same series, ( iv ) without notice that the instrument contains an unauthorized signature or has been altered, ( v ) without notice of any claim to the instrument described in Section 3-306, and ( vi ) without notice that any party has a defense or claim in recoupment described in Section 3-305 ( a ).
08/08/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	CA 93534	Web
Misrepresentation has been committed on the consumer credit file of XXXX XXXX which violates the Fair Debt Collection Practices Act. Company Name is using extortionate means to collect an alleged debt that I do not owe which violates 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent per FDCPA 15 USC 1692g section 809 ( b ). This notice states that your claim is disputed and validation of the account is required. Provide evidence that you are a license debt collector in my state, chain of title, and a requested copy of your State Department of Commerce and Insurance Certificate. Im also requesting the governing trust instrument, all tax filings and/or interests associated with this account of which I am an alleged party. Please settle the account immediately and cease and desist all communication, Collection and remove the trade line from all consumer reports.
11/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77045	Web
To whom it may concern : My name is XXXX XXXX XXXX and I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
01/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85138	Web
XX/XX/XXXX and on XX/XX/XXXX they pull our credit and put DELINQUENT Account my Score was about XXXX now its gone down more to XXXX My score would of been up to 550-575 And i could got Rifi! Now on my credit report Exeter Finance llc pull my credit Four Times give me more Inquires so on XX/XX/XXXX saying iam Delinquent and XXXX XXXX , XXXX , ... Our Payments are Not due tell XXXX of each Month Plus we got 10 days Grace period.We have upto 1XXXX, to get our payment in ... Exeter Finance put 4 Marks on my Credit Report that should Not be thier.My Credit Union said they could RiFi at lower Rate about 18 % is Better then 26 % we have to pay crooked people ... .Iam unemployed from XXXX in XXXX XXXX Utah XXXX.Me my wife fell down got hurt.She fell XX/XX/XXXX i XX/XX/XXXX we tried working one light duty but XXXX Ast Manager over work us, and Workmen Comp says we have to stay working for XXXX to get paid.
06/23/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33647	Web
I am writing to request a 1099A form from Exeter Finance regarding a charged off car that appears on my credit report. I believe that this form will be necessary for me to properly file my taxes and report any potential income or losses related to the charged off car. The vehicle in question was financed through Exeter Finance, but unfortunately, I was unable to make the payments and the car was ultimately charged off. While I understand that this process can be complicated, I am hoping that you can provide me with the necessary documentation to ensure that I am in compliance with all tax laws. 1 would greatly appreciate it if you could send me the 1099A form as soon as possible so that I can complete my tax filings in a timely manner. If there is any additional information that you require from me, please do not hesitate to contact me. Thank you for your assistance in this matter. Sincerely,
02/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OK 738XX	Web
I have a loan through Exeter Finance with a late payment. The dates entered and type of delequency constantly changes multiple times from 30 days late, to 60 days late, to two 30 day late payments, to two 60 day late payments, from XXXX to XXXX, and info shared to the 3 bureaus do not match up. I have tried to remedy this problem and they always update it to a different delequency or change the dates. If their reporting info is correct and verified, no updates should be needed. This problem sends my score up and down constantly every month depending on what they decide to do. XXXX, XXXX, and XXXX are showing different data and I have never been furnished with proof of the delequency. I have kindly asked for a deletion with the data furnisher and the credit bureaus to stop this problem. At this point, I am frustrated, tired, and can't secure a mortgage with my credit report constantly changing.
06/16/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CO 80241	Web	Older American
On or about XX/XX/2019, I had called Exeter multiple times ( my SUV loan company ), that I wanted to pay extra money on my SUV payment for PRINCIPAL ONLY. I was current on my monthly payments but was told that I could only apply PRINCIPAL ONLY money if I was 3 months ahead in my payments (? ). I have never heard of this before and it was obvious that Exeter was doing everything possible to make sure my loan extended to the completion of 72 months or 6 years. Exeter obviously wants to get the maximum interest on my loan. Exeter has cost me extra interest and extended my loan out to the 72 months or 6 years. I want Exeter to allow me to make extra PRINCIPAL ONLY payments each month with no 3 month payment in advance requirement AND refund me {$1000.00} for interest that I shouldn't have had to pay if I was able to apply extra PRINCIPAL ONLY payments each month. Appreciate any assistance. Thanks.
12/12/2022	Yes	Vehicle loan or lease Lease	Getting a loan or lease Fraudulent loan	TN 38106	Web
On XX/XX/XXXX I got ta car from XXXX on XXXX XXXX # XXXX XXXX. I was charged extra interest. I paid {$380.00} to Exeter Finance XXXX. A consumer law has been broken. On XX/XX/XXXX the car broke. I have warranty called XXXX that fixes specific parts of the car. My engine needed a replacement so i sent the car back to a company that warranty is through. It was called XXXX XXXX they found out it was the motor and tried to charge me {$7000.00}. They wouldnt fix it because I didnt have proof of oil changes. Before I sent the car to the shop they didnt tell me about any receipts. They cheated me. XXXX is a big scam. Exeter is trying to make me pay {$13000.00} for a car that is not running. I need help. The day I got the car they ran my credit several times to see if I can qualify for a car. They cheated me. Exeter Finance is the finance company that gave me the loan they want me to pay {$13000.00}.
06/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 31322	Web	Servicemember
I voluntarily surrendered my vehicle to Exeter Finance in XX/XX/2023 and after the vehicle was sold, I had a remaining balance of {$22000.00}. On XX/XX/2023, Exeter Finance accepted a settlement offer of {$10000.00} to be paid by XX/XX/2023. I paid the {$10000.00} on XX/XX/2023 and disputed the account twice with XXXX, XXXX XXXX XXXX to update the account status, balance & comments and both times, it came back that Exeter has verified that I still owe a balance as of XX/XX/2023 and will not update that the account has been paid with a XXXX balance. It is now XX/XX/2023. I have contacted Exeter three times as I have not received a letter to state that the account has been settled and I have a XXXX balance. Each time I contact Exeter to request this, they inform me that it will take 48 - 72 hours to receive this via email and weeks have gone by and I still have not received anything from Exeter.
09/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28269	Web	Servicemember
Exeter Finance violated NC state law during the process of repossession of my previous vehicle I had financed with them. Exeter finance broke NC state law : Notification of Sale : After repossession, the creditor is required to provide the consumer with a " Notification of Sale. '' This notice MUST include information about the sale of the repossessed collateral, including the date, time, and location of the sale. It also informs the consumer of their right to redeem the collateral by paying the outstanding balance, as well as any additional fees associated with the repossession. At no time did Exeter Finance mail me this information per my consumer rights in NC, thus I was not given the chance to bid on the vehicle at auction. Furthermore, Date last active, date of last payment and the payment history being reported due not meet XXXX standards and also are in direct violation of the FCRA.
06/20/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	AL 35126	Web
After being forced into this auto loan I realized the interest rate was very high and I tried to get the company to take a second look and see if they could offer a lower interest rate. I had a fair credit score but being that I already had one vehicle financed with another company with a much lower interest rate I think this company was gauging me because I had such a lower rate on my newer vehicle. I bought this car as a secondary car for my teenage son. I tried for several months for the company to do something about this high interest rate but they have nit dine anything yet, my credit score is in the 600 's and I am financed on a brand new car with a 6.9 % interest rate but they gave m a 24.89 % interest rate. I think that is a predatory rate. I have even mentioned refinancing at a lower rate but I have not been able to do that. I am almost ready to voluntarily give up this vehicle.
01/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11580	Web
I have two accounts reporting on my credit report that I am disagreeing with. These two accounts are XXXX XXXX XXXX # XXXX & Exeter Finance Corp XXXX XXXX. I reported to XXXX XXXX, XXXX XXXX and simply ask them to verify the documents are mine under the FCRA. They claim that the documentation is mine but they failed to provide me a copy of any original documentation or contract with my signature on it as required under the FCRA section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under section 611 ( a ) ( 7 ) .Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly deleted all information which can not be verified.The credit bureaus have given me such a hard time about this and it has made my life miserable, and I 'm a forced to live like a second-class citizen.
06/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA XXXXX	Web
The information within my file regarding this debt is inaccurate. The lender is listing a inaccurate balance total. The lender did not update the payments accurately. When the vehicle was first purchased the total financed was for the vehicle price and warranty. The warranty was later dropped and the full amount due was paid back to the lender by XXXX. Attached is documentation from the lender themselves showing that a separate warranty was purchased. That warranty was later refunded to E xeter for the same amount. Exeter never updated the credit reporting or the balance due to reflect the refund of this item. In doing so Exeter Finance has violated my legal rights under the FCRA and has violated state and Federal law. They also went as far as to sale the debt to a third party with inaccurate information. Also, they have reported incorrect information to all Credit reporting agencies.
02/02/2023	Yes	Vehicle loan or lease Lease	Incorrect information on your report Account status incorrect	CA 95831	Web
My car was repossessed by my auto lender EXETER Finance on XX/XX/2022, according to ( Cal. Civ. Code 2983.2 ) Before selling the car, your lender must provide you with a notice at least 15 days before the sale date & to collect a deficiency, the notice must be given within 60 days of the repossession and must include certain information, including your rights regarding reinstating the loan or redeeming the vehicle. The deficiency letter has a date of XXXX XXXX but I did not receive any contact from the company in the month of XXXX at all and I did not receive the deficiency letter until I had to call them on XX/XX/2022 and I have the secured email to prove I wasnt notified of the deficiency letter until 83 days after the car was repossessed thats well over 60. I tried to speak with them to get them to realize theyve violated a California Civ. Code and they did not remove the debt.
06/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	MS 393XX	Web
In accordance with the Fair Credit Reporting act XXXX XXXX : Account # XXXX, has violated my rights. DISPUTED XXXX-Inaccurate information In accordance with the Fair Credit Reporting act XXXX XXXX : Account # XXXX, has violated my rights. DISPUTED XXXX-Inaccurate information In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights . DISPUTED XXXXInaccurate information In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. DISPUTED XXXX-Inaccurate information 15 U.S.C 1681 section 602 A. Accuracy and fairness of credit reporting. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. References : https : //www.consumer.ftc.gov/sites/default/files/articles/pdf/pdf-0111-fair-credit-reporting-act.pdf
03/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KY 40509	Web
Hello, my name is XXXX XXXX and I am reaching out today to speak about an error that I found on my credit report. On XX/XX/XXXX, XXXX XXXX XXXX placed a hard inquiry on my credit report. I have never worked with XXXX XXXX or banked with them for any other reason making this hard inquiry an error. Exeter Finance was another company which place a hard inquiry on my credit report finding it to be a error as well on XX/XX/2019. XXXX XXXX is the third to place another hard inquiry on XX/XX/. This is also an error. XXXX XXXX is the last company which placed two hard inquiries on XX/XX/XXXX and XX/XX/2019. these were also errors As a XXXX trying to improve my credit report so I get a chance to someday buy a home for my family and contribute to the system by starting my own business. Things like this on my report will only make it difficult for me and my future family to progress.
12/08/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33161	Web
On XXXX, XXXX XXXX I was looking to purchase a new vehicle ( XXXX XXXX Coupe XXXX ) from XXXX XXXX Auto and I decided to finance the vehicle. It was n't even XXXX hours and I noticed the navigation of the vehicle was n't working and the right front bumper of the vehicle was already falling apart. So, I decided to return the vehicle the very next day because of this Issue And as of today XXXX/XXXX/XXXX I 'm still seeing XXXX XXXX XXXX on my Credit Report from Both XXXX and XXXX. I 'm seeing XXXX XXXX XXXX on my Credit Report and the Finance Companies that XXXX XXXX XXXX applied for me. Exeter Financial and XXXX XXXX which are both Hard inquiries on my Credit Report. I did n't have the vehicle for more then XXXX hours and It 's still on my credit report today XXXX/XXXX/XXXX. I hope this issue gets fixed. If you have any questions please do not hestiate to call me ( XXXX ) XXXX
04/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28273	Web
I have tried numerous times to have this account updated correctly to reflect accurate payment information and balance. At this time Exeter refuses to follow the FCRA laws in making sure that this account is reporting accurately. I have become so frustrated with the blatant breaking of the law and violating of my rights that I voluntarily have given the car back to stop the inaccurate reporting of payments balance to my credit report. Exeter Finance has shown callous disregard for any laws regarding consumers and their credit reports. I have attached the snippet of my credit report that I had pulled today that clearly shows the violation of the FCRA. I have disputed this account 6 times with them and complained to the FTC and yet Exeter refuses to comply to the law. I intend to file lawsuit against Exeter and contact my state attorney general with the evidence I have collected.
02/24/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	MD 21043	Web
A car was purchased with my name forged and social security used without my permission. My mom died and left the car debt with me, and I was not able to pay for a car I did not purchase. I explained to Exeter finance LLC that the car did not belong to me and that I did not purchase this car. The original balance on my credit report states XXXX. They repossessed the car and left a current balance of XXXX on my credit report. It is affecting my credit score and hindering me from getting approved for any other loans. This is a violation of the FCRA and is in violation of Exter finance LLC compliant reporting standards. According to the Fair credit reporting act I have the right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable, and accurate. I would like for this to be immediately removed off my credit report.
04/30/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	LA 701XX	Web
This claim is connected to previous claim XXXX The vehicle seller XXXX XXXX XXXX and Exter finance has committed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX under PART 455 - USED MOTOR VEHICLE TRADE REGULATION RULE Authority : 15 U.S.C. 2309 ; 15 U.S.C. 41-58 {$450.00} General duties of a used vehicle dealer ; definitions It is a deceptive act or practice for any used vehicle dealer, when hat dealer sells or offers for sale a used vehicle in or affecting commerce as commerce is defined in the Federal Trade Commission Act : ( 1 ) To misrepresent the mechanical condition of a used vehicle ; ( 2 ) To misrepresent the terms of any warranty offered in connection with the sale of a used vehicle ; and To represent that a used vehicle is sold with a warranty when the vehicle is sold without any warranty It is an unfair act or practice for any used vehicle dealer,
11/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	SC 29483	Web
The law states 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I didn't give this company any written instructions to furnish my credit report for any reasons. This company is in violation of multiple laws like Identity Theft as I did not provide my personal information to them and In violation of 15 USC 1681b permissible purpose. I am requesting that they show proof of the written instructions given from me or remove the inquires from all three of the credit reporting agencies ( XXXX, XXXX and XXXX ) immediately as it has caused me to have a bad reputation, character, and denial of credit from lenders due to inquiry.
06/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 19150	Web
In regards to loss of employment I asked lender for a deferment extension. This however extended the loan and paid off two months that I missed it was not clear to me that two months will be paid off but I will always be behind in payments because of the accumulation of interest. However fast forwarding to when I had to begin making payments again I was paying for the months that I supposedly missed. They then however reported my account as delinquent due to late payments when that was not apart of the agreement. The bigger issue is that I was told I will not be able to receive the documents that were signed. I was mislead within the process and it has affected my credit and personal life because I consistently make double payments but will stay in the negative which isnt legal or fair to me as a customer. I dont know what to do and I am in desperate need of help.
04/10/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CA 92571	Web
XXXX XXXX called XXXX finance to inquire about 2-3 month deferment due to financial hardship because of this worldwide COVID-19. Was told to call back because car payment wasn't due until XXXX XXXX. Called again this morning XXXX XXXX to ask for the same thing due to financial difficulties. Was told there was nothing they could do or as they said and extension which is similar to a deferment. Asked when will I be able to pay or I can pay half. The representative stated that in order for me not to incur any interest that I should pay something. As if I didn't explain to her that due to unforeseen circumstances of the worldwide Pandemic that's affecting millions. I didn't get any type of assistance what so ever from the company. As you can see by the information they have put up saying they are here to assist during this time yet there hasn't been any assistance.
10/02/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	VA 22655	Web	Servicemember
Good Morning, I have been dealing with Exeter Finance Corp in trying to pay off my XXXX XXXX XXXX ( a minivan ). I called Friday, XX/XX/XXXX to get a payoff quote. I was quoted {$4100.00} and some change. I asked if that included all fees and that was all I owed. I was told yes and that the payoff was good through XX/XX/XXXX. I called back today XX/XX/XXXX to make the payment and was told I owed almost {$4400.00}. When I asked how was that possible they told me extra fees had been added. They said they had been added after I called. Why were they suddenly added after I called for a payoff? And when I asked if that included all fees in the first call she said yes. This company has been featured on XXXX XXXX XXXX with XXXX XXXX as having predatory lending and underhanded business practices. Several Class Action lawsuits have been filed against them already.
10/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA XXXXX	Web
XXXX XXXX XXXX Account number XXXX ... keeps reporting a balance of {$27000.00} as of XX/XX/2018 on the auto loan that was paid in full to them years ago. At the time of the sale of the vehicle I was told that a total of {$24000.00} was recovered and no money was due from me ... Now I come to find out they reported a balance on my credit report.. I attempted to contact Exeter who sent me 2 letters back to back ( computer generated response very simply ) stating they validated this debt and contract was sent to me which was a lie. Now all of a sudden I started to receive calls from them at XXXX and XXXX on daily basis as an " attempt to collect debt '' and threatening to arrest me for an unpaid balance or send a sheriff to my employment ... This is ridiculous and should not be a legal practice for collection of the amount that is not owned in first place ...
03/28/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	NJ XXXXX	Web
To whom it may concern : I asked for verification of the following : Proof that you are licensed to collect debt in my state. A breakdown of fees, including how YOU calculated what YOU claim I owe YOU. I have yet to see proof that I owe XXXX XXXX XXXX, I don't have a contract with this company, nor did this company loan me money to buy anything, so I don't see how this company is collecting on a debt. I did not purchase this vehicle. Also, I need whatever proof you have that I lived at these alleged addresses. I will file a complaint with the XXXX and, from there on, with my state attorney general. I don't know how this company has my name as a buyer and not a co-signer on these documents. I didn't buy any vehicle. This is inaccurate information, and I want the whole account removed. I will go as far as possible because this is unfair credit reporting.
12/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33411	Web
I wrote to XXXX ; XXXX and XXXX Credit Reporting Agencies on XX/XX/2018 to challenge the reporting and compliance of a closed account reported reporting under account number XXXX with a balance of {$3200.00}. This information is misleading and is reporting serious factual errors. My identification has been comprised and I am following the instructions of the FTC by thoroughly reviewing my credit and this is when I came across factual errors regarding the account status and account information. The company Exeter Finance is reporting a partial account number, and this partial identification has hindered the completion of this process. This closed account that is reporting incorrect information it one of ( 2 ) accounts with the same account number being reported by Exeter Finance and it is causing confusion and havoc to my credit and needs to be removed.
05/14/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 30080	Web
I sent a letter to Exeter Finance on XX/XX/2022 asking for Debt Validation and full disclosure according to the Truth in Lending Act 15 USC 1631 under disclosure requirements. A letter was mailed back from Exeter but it only included a copy of a contract that was NOT created by Exeter, but by XXXX Used Cars and it was fraudulently signed. The lease does not include a right to rescission 15USC 1635 and it also states that I gave a security interest in purchasing the vehicle, which the debt collector could not properly explain. The letter also included a request to cease and desist all communication while the dispute is in process and they have both still communicated with me and failed to provide me with proper documentation. My credit score is continuing to decline because they are also still reporting incorrect information to all 3 credit bureaus
06/22/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 310XX	Web
First off my balance on my personal credit report states that my balance is {$9700.00} and my highest balance is {$9500.00}. Where did the EXTRA {$210.00} come from being that my contract literally just started unless this company charged over {$200.00} interest just to approve the loan which is illegal??? Out of TWO ON TIME MONTHLY PAYMENTS 0 has been reported to any credit agencies. These numbers are extremely inconsistent to the original financed amount which is shown in the photo provided which is stated by Exeter to be {$9500.00}. Out of TWO ON TIME NEVER A DAY LATE PAYMENTS OF {$290.00} which total to {$580.00} my balance has only decreased by {$61.00}. So where have my payments actually went? Why are inconsistent amounts being reported by Exeter through multiple outlets? I also have recorded conversations of the lies Exeter Finance has told.
07/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MA 023XX	Web
During XXXX of XXXX and XXXX of XXXX I lost my job due to the Covid pandemic. I made several attempts to let them know of the problem. Each time they responded with a generic respond stating they are aware of the lateness, and that they cant do anything. In fact they said they have to submit the remarks to the credit bureaus. In XXXX XXXX XXXX I made a large lump sum payment of XXXX to catch the account up. I have been current since. Since XXXX of XXXX the government released the CARES ACT which states if the consumer cooperates with the lender they will not penalise the consumer and remove any negative remarks. I called several times to let the lender know of the CARES ACT and each time they said its not their policy. This is in-spite of federal law. I would like them to remove these remarks or update these remarks on my report immediately.
03/18/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	TN 377XX	Web	Servicemember
From XX/XX/12 to XX/XX/12 I paid Exeter Finance {$13000.00} dollars which added to about {$5000.00} toward a {$14000.00} car financed at {$21000.00}. I believe that a breach of contract could be brought against Exeter finance, based on the fact that, I paid late XX/XX/XXXX, 60+ days late 8-10 times. Leading me to believe I would be given grace again but instead they brought the shackles. Short of hiring an expert to bring them to court Im not sure there is another choice. If Exeter Finance changes derogatory to paid and drop my debt to {$2000.00} and XXXX. XXXX would please do the same, the current owner of the debt, if the Tennessee Statutes of limitations for this kind of debt. Please consider this proposed request and thank you. I loved that car. Im just asking for a real hand shake in all this mess. Ive never sued anyone, rather not start now.
05/04/2017	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94601	Web
I have contacted this company so many time and I was told to send in paperwork that I have sent in over 5 times an d never gotten a response the account was opened up fraudulently in my name I gave them everything they asked for and heard nothing called so many times no was able to tell me anything until I received something in mail saying they are closing the case because they have n't received papers I know that it 's not the case because a rep said they received it over the phone and I had to wait to do the investigation this company is jerking me around only to find out that this business is not even licensed to do business in my state they have a corporation service company in California but that is it no rights to collect a debt in California they are breaking the law I found this out when I went to the courthouse in my state of California
06/16/2023	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem with paying off the loan	PA 19121	Web
Due to covid i was out of work for some time so i did ask for extension on my loan. As of right now my maturity date has come and Im still paying in this car. I called this company numerous of times to ask them for a a copy of the original lease and i have yet to receive it. One minute the company tells me Im paying until the loan is over then another person tells me to trade the car in. I tried to tease the car in but this company is reporting to the credit bureau as it being late but Im still making my payments on time. One person from Exeter finance says as long as Im paying on the car it wont go into repossession another pardon tells me thats a lie bc it will. At this point i think this company is trying to scam me bc they really will not let me keep paying on the car and they keep reporting it as it being late but i made payments on it
07/11/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	MO 63640	Web
Purchased a vehicle from XXXX. Upon acceptance, Exeter Finance took the loan. After completion of the loan, and receiving documents after possession of the car, it is clear that they manipulated the credit score and created a predatory loan. I contacted Exeter directly and spoke with someone in finance, who told me they took my score which was well over XXXX, and would entitled me to a different lender or apr, and averaged it with my co-signer, which is completely deceitful, as we were told that having a co-signer the loan is based on primary. had they disclosed this " average '' score, which in fact is deceitful and illegal, we would have removed said co-signer as they were just on loan to establish credit. Exeter is now refusing to adjust loan and wants me to return car and reapply which then would add further inquiries and decrease score
02/02/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MD 217XX	Web
I have a loan with Exter Finance. I make double my monthly payments and I have repeatedly asked for the extra payments to be applied to principal only. They say they will and it never is applied to the principal and nobody will actually fix it even though they say they will every time I call. There is also no option to view how my payments are applied until after my statement is released each month so I am unable to verify anything until well after payments are made and applied. When I have spoken to someone with any ounce of compassion who did try to help, I was told that I incur a {$7.00} a day interest fee no matter what and that's why it won't apply. This is 100 % predatory lending and illegal. My initial payment legally goes to my interest & principle, but any additional payment should go to principal only, when requested to do so
11/23/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	IL 60651	Web
Exeter finance, account number XXXX. This account is being reported to my credit profile which I have no knowledge of. I requested this company to provide full account details and permissible signed contracts between me and XXXX. This debt was also sold to another company which is illegal due to consumer law 15 United States Code 6802 ( B-1 ). The owner of this debt is XXXX XXXX which I dont have a contract with. XXXX finance have not giving me notice of anything about this suspicious account in writing and under section 6804 of this title law its a violation of my consumer rights. Whatsoever I havent either received clear written instructions to opt out of whatever this debt might be. I also demanded XXXX company to cease and desist all communication with me which they havent which is a violation of 15 United States Code 1692 ( C-A ).
02/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90044	Web
This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( EXETER FIN ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
06/21/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	AL 359XX	Web
On XX/XX/2013 I was highly pressured into buying an over priced used vehicle with a {$1000.00} down payment on a {$19000.00} installment account from XXXX XXXX XXXX ( Address : XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX ). Shortly after entering the agreement and without warranty I found out that the car in question was on recall for a faulty motor and after paying for repairs I fell behind on the payments causing severe late fees and interest ultimately resulting in repossesion of the vehicle. There was no offer to deduct fees or interest on late payments in an attempt to get the account in a current status. After selling the vehicle to another person, the balance of the sale was charged to me by a collection agency in the amount of {$10000.00}. This has affected my credit score greatly and damaged further attempts to obtain credit.
11/08/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	FL 323XX	Web
My Daughter had a car accident in which the car insurance decided to total the car out, the amount at the time was owed was XXXX XXXX XXXX cut a check in the amount of XXXX and the XXXX coverage sent a check out for XXXX and I just had made a payment of XXXX in XXXX, my total is XXXX within XXXX months. Now they are reporting account as late to credit making a negative report affecting my score it have dropped like XXXX points within XXXX weeks because of them making back to back reports in the same month. I co signed on the car with my Daughter and I am working hard to improve my credit, can they charge me interest on a car that was paid off and report to credit like they are doing. The car was due to be paid off in a couple more years and they got they money in advance due to the car accident and my Daughter is still without a car.
05/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IN 46205	Web
I just looked at my credit report and was shocked to see the numerous amounts of errors you have listed. I am writing to have you remove them immediately. The following INQUIRIES needs to be removed immediately : Creditor Name : EXETER FINANCE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/2022 Reason : this inquiries were made without my knowledge or consent and I would like to be provided proof that I consented to these inquiries via FCRA section 609 and 605 as well as the accuracy of these inquiries via FCRA section 623. If you have no proof of any or one, I would like it removed immediately. By provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who posted them.
06/03/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	IL 60538	Web
On XXXX XXXX at Dealership XXXX XXXX XXXX XXXX XXXX XXXX, Ill XXXX I was call in to finish up a pre approved vehicle loan with a down payment of {$500.00} plus XXXX XXXX they gave me {$1500.00} trade in value After completing the paperwork and license plates and insurance I and XXXX the finance manager sign I was giving the key after the plates were put on. Around 15days later XXXX call me and ask could I come back in to update my address because he put the wrong address and bring in a Utility bill with my current address But when I got there XXXX gave my paperwork to his Co worker to assist me when I went into XXXX XXXX office with him he began to become very verbally and physically aggressive asking me to give the keys back.I said no and try to leave and he became physically Abusive snatched the keys off my finger.causing injuries
01/31/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL XXXXX	Web
I have an erroneous collection account being reported on 2 of my credit reports by XXXX XXXX XXXX. I contacted XXXX XXXX XXXX on XX/XX/2017, by telephone at XXXX and spoke with a senior representative named XXXX. She advised me that she didn't have any information on this account and if I wanted to dispute it I would need to send a letter to their corporate office at XXXX XXXX XXXX XXXX XXXX ; XXXX, Texas XXXX. I sent several letters via certified mail return receipts ( XXXX and XXXX ) to both Exeter Finance as well as the credit bureau reporting the information asking for documentation and method of verification. I have uploaded this letter as supporting documentation. To date, this account is still being reported on my credit reports and I have never received any responses back from Exeter Finance nor the credit reporting agency.
11/15/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	TX 77494	Web
My car loan is financed through Exeter. I experienced a financial hardship that caused me to get behind in my car note {$2000.00} which included late fees. I paid the balance. I got back on track with my payments. I mistakenly double paid my car note which showed as a charge in my online account as opposed to a credit so I called Exeter. Nobody ever mentioned outstanding late fees or that the overpayment could pay any outstanding late fees. I just log in and pay what it shows i owe. I log in and it says I owe {$900.00} instead of {$620.00}. I call on XX/XX/22 and am told a request would be made to have the payments applied to late fees and it would take 72 hours. I follow up on XX/XX/22 told its still not done. I call XX/XX/22 and was told it would be done that evening I call XX/XX/22 and the rep doesnt know what Im talking about.
09/19/2019	Yes	Vehicle loan or lease Loan	Improper use of your report Credit inquiries on your report that you don't recognize	AL 366XX	Web
On XX/XX/XXXX and XX/XX/XXXX my credit was fraudulently ran without my permission or consent. I have been a victim of fraud and Identity Theft. On XX/XX/XXXX I signed up for XXXX XXXX because I have received several letters for credit that I had no knowledge of and to have a better understanding I needed to know what was reporting on my credit file. I immediately called the company phone number listed on the correspondence only to be transferred to and from numerous departments being left on hold and then the phone being disconnected but promised a transfer to someone who I can report this fraud. I am desperately seeking someone to help me with this matter because its obvious they will continue to ping pong with me because it isnt them and they probably could care less because the fraud is not happening to them and its not fair.
09/19/2022	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	IL 60637	Web
According to your response on a previous CFPB complaint response, you said that the previous contract " was not funded ''. However, I never submitted two contracts. I have one contract ( contract # XXXX ). Is this the contract you are referring to? If it is, then you are now saying that the contract is void and holds no value. Seeing how this was an error on your end and the car dealership 's end. This has become a problem for me considering you have been reporting false information to the credit bureaus as I first exclaimed. I hope that you understand the importance of being completely honest regarding federal statutes. Again, there are serious penalties from the federal government for violating TILA. Failing to accurately disclose finance charges, APR charges, and the misapplication of daily interest are shown on contract XXXX.
08/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 70122	Web
Ive made several attempts to try to come up with solutions working with the finance company of my car. When the pandemic hit I was without work awhile until my unemployment started to activate. Exeter Finance approved a 2 month extension on my loan but would call me 3/4 days later asking for a payment, furthermore started reporting me as being late. As early as last week when I called to make a payment on the 19 they informed me I was 93 days passed due when my due date is the 20 and I owed {$2100.00} and three days prior they told me {$1000.00}. As I explained that was inaccurate the rep says Im 4 months behind which is inaccurate. I dont plan on doing business with this company past the end if the year Ive been truly disappointed with the communication and the erroneous information theyve been reporting on my credit worthiness.
09/30/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Problem after you declared or threatened to declare bankruptcy	FL 34234	Web
This is XXXX XXXX XXXX, I filed for Bankruptcy on XX/XX/2023. Im receiving harassment letters from Exeter Finance LLC. Im requesting this company to cease & stop contacting me about a debt I dont owe. Im in pre litigation with XXXX. In the court case or arbitration meeting all matters will be resolved and addressed by my attorney. An automatic stay has been ordered by the petition filing of my bankruptcy. If Exeter Finance LLC continues to contact me I will file harassment charges and a lawsuit against this company. Im not 100 % sure of the contract I signed with Exeter Finance LLC because my signature has been forged on the retail purchase agreement. I have talked with new legal counsel and I will be adding new legal counsel to start the lawsuit and arbitration process against XXXX and Exeter Finance LLC for breach of contract.
02/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WA 98665	Web
I have XXXX late payments on my account because I attempted to pay it online repeatedly and I kept getting kicked off the site because of technical issues. I attempted to make my payment by using my phone and a computer and it locked me out. I then tried calling but was on hold forever and I had to go. By the time I had time to make the payment the payment was late even though I emailed the company to assist me. They also never called or sent me a bill in the mail so I had no other way of paying it. I have tried repeatedly to have the company remove the late pay history since its effecting my score and wasnt really my fault its just a difficult website. I have also contacted the credit bureaus but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not my fault. Thanks
04/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 314XX	Web	Servicemember
I received a notice that I had a late payment on my credit report. I looked up the account and it is one I do not recognize. I filed a police report and reported the account as fraud to the Credit bureaus as well as the financing company. The company Instead of investigating or ceasing reporting of the information they updated their file with the information from my complaint. Where they had my previous name they updated to my married name where they had an Incorrect address they update it to my current address and any other false information provided by the person committing the time its updated as though they were updating a debt owed by me. The credit bureaus refused to update it saying that they had to remain in compliance for the creditors account and not my credit reporting even though they are reporting false information
08/07/2015	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	CO 80301	Web
I visited XXXX in XXXX, CO and was looking at cars. They let me know that they were running a credit report to see what loans I qualified for. I let them know that I only would allow one company to run the report ( XXXX ) and they agreed. They did not tell me that other companies would be running a credit report to give me loans and I specifically told them that I did not want my credit run through finance companies I did not approve of. I was unaware and did not give understandable permission for this company to run a credit check on me. I was pressured into running a credit report when I did not want to because I was a first time car buyer and unaware that when XXXX ran the report it would go through numerous agencies. They did not clarify and tricked me. I think this is unfair in that it affects my credit score negatively.
01/16/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	VA XXXXX	Web
improper disclosure of the amount financed, finance charge, payment schedule, total of payments, annual percentage rate, and security interest disclosures. -This Rescission notice is made Pursuant to 15 U.S. Code 1635 ( 0 ), as I was never told I had 3 days to rescind the agreement. Neither was I given the notice that comes along with all consumer credit transactions. Furthermore, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Virginia XXXX failed to clearly & conspicuously disclose all of my rights as a consumer including but not limited to my right of rescission. XXXX XXXX XXXX XXXX XXXX accepted a CASH down payment of {$2000.00} violating 15 U.S. Code {$1600.00} which clearly states : The finance charge does not include charges of a type payable in a comparable cash transaction. Pursuant to 15 U.S. Code {$1600.00} ( 1 ) ( 3 ) ;
03/20/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 30329	Web
XX/XX/2015 Exeter Finance Corporation debited " all '' of their borrowers accounts " twice ''. My called customer service XX/XX/2015 to pay {$350.00} for my XX/XX/2015 payment. The agent took the payment gave me confirmation & that was it. Days later I realized their were XXXX transactions for a total of {$700.00}. Exeter did not believe me for almost a week. It was 6 days later when they decided to reverse the payments & pushed back XXXX loan payments. Since this event I have been upside down in my loan my LTV is roughly 150 %. For approx. 1 year all of my payments have been going to " interest ''. I have paid roughly {$8000.00} & my Principal balance has only decreased by approx. {$2000.00}. I have called & lodged several complaints as most of all of my payments have been applied to interest even when I send an overage.
01/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	GA 30004	Web	Servicemember
To whom it may concern : This letter is being sent to you in response to a correspondence sent to me. This is not a refusal to pay more rather, an endeavor to validate the alleged claim pursuant to Sec. 809 ( b ) of the Fair Debt Collection Practices Act requires that, the consumer disputes the debt or requests identication of the original creditor in writing and that the collector must cease collection until he veries the debt and mails a response. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verication of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I request the following :
04/13/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60637	Web
Ive tried contacting Exeter and they told me to submit my documents and I did numerous of time. I truly believe Exeter has no respect for the CFPB they disregard my emails and my faxes, every time I call they tell me that they did not receive it, so maybe I have to fax it again, I told the Rep that I faxed it numerous of times, what's the hold up. she then put me on hold and came back 6 minutes later, stating they received my Id but nothing else. Therefore she said call back and see if anything came in I called back two hours later I got a different representative I stated my case, and she put me on hold for about 9 minutes and came back and said that I did not have any faxes at all, so I said the other rep told me that they got my Id, now you're telling me that you don't see nothing, and she said no try back tomorrow.
01/23/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	OH 44125	Web
How are you my name is XXXX XXXX I am trying to dispute this information in regards to exititor finance which I applied for a car loan and I received a loan however I went on my XXXX XXXX credit report and saw that exit or sold my account to another company which I was not aware of and from my understanding I am upset because how can they say on my account with a number company and I didnt provide the company my information for her Social Security number phone number and address its like selling myself which I can not be sold so I think that is very wrong to do that without contacting me to let them know that they are selling my account to another lender again which I have no knowledge of this lender and again Exitir so theyre basically my social birthdate and address which I didnt give that company my information
07/02/2022	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 60177	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX during the XXXX XXXX which caused us to miss several loan payments. Exeter Financial was unwilling to work with us stating that the account was too new to help put a payment to the back of the loan. Unemployment Claims were delayed to the massive spike in claims which delayed our ability to make a payment. I have sent two letters asking for a Goodwill removal. I also stated, that I would be willing to make up any of the late payments to help with the removal of the late payment on my credit report. Exeter Financial unwilling to work out any solution. As a consequence, my credit rating took a XXXX point hit making it harder to get by in these trying economic times. All of our other creditors Placed a " Affected by Natural disaster '' on our report.
11/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 464XX	Web
I Have sent over and also call this company about this matter for about 2 months. I Have accounts as well as an address that does not belong to me but they continue to call it " verified '' in which they have it gave me proper proof that what their saying is " verified ' is not actually really accurate. Having Unverifiable accounts on my credit report is against the law and they still continue to not follow the law in my case. I have file an FTC report and sent it to them with also other documents showing them what I stated is correct to proof what I am saying is correct. They still yet to give me a real investigation on my case. Again those accounts and address do not belong to me and want them situation handle the correct way. I am tired of being treated this way and I have a right to an accurate credit report.
05/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 90057	Web
Hello I filed the compliant XXXX earlier this year and was provided a response from Exeter that the account information would be updated on my credit report being that as stated in the response from them, it was a mistake on their part that this is even reporting incorrectly. Its been over 45 days since the response and the credit reports are still reporting incorrectly and are hindering me from being able to purchase a home because it looks like I haven't paid in months and I have been paying them monthly. This is predatory lending a this point, please have someone help me please! I called and they stated it was updated but it has not been! I have filed separate disputes with the credit agencies directly, as well as contacting Exeter, and they still send it back to the creditors as being late for the 7 months!
01/13/2023	Yes	Vehicle loan or lease Lease	Getting a loan or lease High-pressure sales tactics	TN 38115	Web
The first problem is they pressured me and rushed me into signing the contract and they ran my credit through multiple people when i told them not to then when they found somebody they charged me a down payment and after i sign contract i notice my interest rate was super high they didnt explain none of that to me at all they was just more worried bout the down payment cash and me signing. The second problem is the car loan people which is Exeter Finance LLC the car beggining price on XXXX XXXX XXXX when i got the vehicle it was {$17000.00} and since that date ive made 14 payments that added to {$6300.00} and its XX/XX/XXXX and the remaining amount is about the same as when i first purchased the vehicle which is only {$17000.00} i want to know why it aint went down none and my monthly payments is {$460.00}
02/16/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	CA 90813	Web	Older American
I bought a 2018 XXXX XXXX XXXX from XXXX in XXXX. At XXXX miles the engine went and I found out by looking up recalls that this car had serious recalls on the engine, transmission, tires, electrical ect. I contacted XXXX about the buy back program and they would not take the vehicle back. I contacted an attorney to represent me in a legal case against XXXX for the California Lemon Law and I won they case. To get XXXX to take back the car I had to quit making payments so the would repo it which I did and this has severly impacted my purchasing another vehicle recently. When XXXX got the car back the sold it and put the balance of the loan on my credit. This is fraud I do not owe XXXX any money due to the fact I gave them back the car and it was classified as a lemon and I won my legal case against XXXX
05/04/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 30117	Web	Servicemember
For some reason, when I purchased my XXXX XXXX XXXX, I did not realize that I would be paying almost {$50000.00} for it with all the interest charges and such. This is ridiculous! I have already paid almost {$34000.00} for this vehicle and still owe a remaining balance of {$15000.00}. Loan Companies such as Exeter is why individuals with low income stay poverty stricken. A family member actually noticed the amounts in which I already have paid and felt that I had fell victim to a predatory lender and advised me to reach out to someone before filing for bankruptcy. I currently have XXXX children in my home and am retired military and work a part time job 2 days a week, so paying $ 700+ a month is really a struggle for me. I really need someone to take a look at my situation. Thank so much in advance ...
04/12/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	WA 98498	Web	Servicemember
Exter financial after I contacted them about a XXXX problem in my XXXX XXXX XXXX all they did was kept placing me on hold and phone space! I research recalls on that year XXXX after I was driving and my XXXX would not steer brake when I was coming up to a turn and stlop light at the end of XXXX XXXX XXXX .I went head on into rush hour traffic and hit a XXXX XXXX truck the driver stated to the officer he was wrenching on the steering wheel and XXXX XXXX standing up to get the truck to brake and his face told it all he looked scared and his eyes where big as saucers. I did not get a ticket but I reported it to exter financial and they just blew me off came took the vehicle and still charging me the whole loan after it being repossessed volunteering this is very unprofessional and wrong... XXXX XXXX XXXX
01/24/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30297	Web
EXETER FIN has two charge off accounts listed on my credit reports. One charge off in the amount of {$15000.00} stated Date opened XX/XX/XXXX. The other charge off in the amount of {$7600.00} stated Date opened XX/XX/XXXX. I sent the company two Validation Letters XX/XX/XXXX, but I never received any response. I sent one to XXXX. XXXX XXXX, XXXX, TX XXXX and the other to XXXX XXXX XXXX, XXXX XXXX, MN XXXX. I was given no evidence of my obligation to pay this dept that is not mine. The Fair Credit Reporting Act requires the collection agency to verify the validity within 30 days. EXETER FIN has not followed the laws of the FCRA when they did not respond to my Validation letters sent in XX/XX/XXXX. If the validity can not be verified, they are obligated by Law to remove the debt from my credit file.
08/20/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	OK 74014	Web
I have a car loan with Exeter Finance. They told me that they only recently allowed people to start making payments towards the principal of the loan which is shady customer service. I made an extra XXXX $ payment but because I did it on the website they said they wouldnt put it towards the principal because I did not call it in. Which they never told me I had to call it in. Then on XX/XX/2019 I called in an extra payment towards the principal of my loan for {$100.00} even. And I especially told them I wanted it to go only towards my principal and all they did was apply it to my account and change the date of my next payment. I called them and told them to fix it but it's taken multiple calls, and days to fix a simple issue. I do not trust them and will not be doing business with them in the future.
07/07/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	CT 061XX	Web	Servicemember
I am XXXX XXXX XXXX and I fell behind in payments because of my financial situation with my family. I have gotten to a better place and tried to setup payments to bring my account current and also requested ti move my date yo mid month because of the timing of it being due causing further issues. Exeter finance told me that SCRA means nothing and they put my vehicle on the repo list and when it told them they can not repossess my car without a court order I was ignored. Im locked out of my account to make payments and they wont accept a payment arrangement for the total due to bring my account current. I have been dealing with this companys lies and harassment since I signed the contract. They are ripping people off and I truly want to get out of this contract or have it picked up with someone else.
10/08/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	FL 33020	Web
So basically I had a loan for a car from Exeter Finance and the car was repossessed on XX/XX/XXXX. I had stopped making payments in either XXXX or XXXX of XXXX, they report it as XX/XX/XXXX. This company consistently adds and removes this account from my credit report and then changes the status of the account. It was recently reported to XXXX on XX/XX/XXXX as a delinquent account. this is a repossession and a charged off closed account. Every time they take this off my credit nothing happens to my score but when they re-add with payments being delinquent or missed payments it reduces my score significantly. I have been working vigorously on my credit the last 6 months and I would have easily worked out something with them, but no longer because they are doing this to cause intentional harm to me.
01/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	LA 701XX	Web
Prior complaint # XXXX In an attempt to rectify this deceptive at by the car dealership and lender whose falsified payments being made on a loan for a XXXX XXXX XXXX XXXX which never happened due to uncovering the vehicle had been wrecked and resold multiple times prior to our agreement and was not disclosed to us. The car immediately went into a lawsuit against Exter Finance and XXXX XXXX XXXX. Please see the attached document and responsibility of the vehicle being retracted back to the dealership. Being that my credit report is miscategorized on purpose, it is definitely an intentional act placed by the lender. I want this vehicle immediately removed off of my credit report and my additional signer credit report. We have endured enough with this bad deal. If not, I will seek immediate action.
01/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33313	Web	Servicemember
I am filing this complaint against Exeter Finance and XXXX they are fraudulently reporting an account that is hindering my credit profile. I have contacted these companies about this and there was also a third party company that reporting this account on my profile in error. The third party company eventually deleted this derogatory account on my profile after a complaint was made by me about them. The original debtor refuses to hear my case after multiple attempts by me telling them that I never agreed nor signed documents agreeing to a loan with them. I made a complaint with the FTC and now I am filing this and they still are not responding to me and they are not responding with what I need to get this off of my profile. This is Defamation of character and destroying my polished credit report.
08/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 381XX	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX EXETER FIN XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
07/29/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 32713	Web
I called into Exeter finance and advised them that I felt like my rights were violated based on Florida laws on repossession. I called Exeter Finance and spoke to a rep by the name of XXXX. I requested that she send me documents pertaining to the loan on this vehicle including the contract, account statement, notice of sale, and notice of deficiency balance. During our conversation she advised that she could not provide the notice of sale or notice of deficiency due to " time sensitivity '' I advised her that as a consumer I felt that I have the right to see the notices. I was never in receipt of the notices so I have no knowledge of how the deficiency balance was calculated or when the car was sold and how and where the car was sold. See attached credit reporting for account information.
05/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	TX 782XX	Web
Contacted company a few years back and have tried to dispute this account off from my credit account multiple times. Company is showing as late payment, this car was purchased from another company and hadn't reported the payments that were made toward the account. After months and months of disputing/contacting each company, the account was updated but showed two payments reported as late from my account. I then had the car loan paid and refinanced to another company, but the closed account still shows bad payment history on my file hindering me from further potential opportunity. I contacted this company and was told that they can no longer look into the account or its details after the account had been sold/refinanced to another company to see details regarding the reported information.
05/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95831	Web
In accordance with the Fair Credit Reporting act EXETER FINANCE XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Exeter reported to XXXX that I reside at XXXX XXXX XXXX # XXXX XXXX, Ca XXXX when in fact I do not reside at XXXX XXXX XXXX and the company knows that. I submitted a complaint 78 days ago for the company to be removed from my credit report due to violated multiple federal laws and according to my credit report Exeter finance reported a false address on my report and refused to be removed when I submitted a complaint on XX/XX/. This is a complete violation of my federally protected rights.
12/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OR 97236	Web
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, EXETER FINANCE CORP add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
11/17/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	TX 76028	Web
XX/XX/2023 I am writing to request a reinvestigation for inaccurate reporting by Exeter Finance. I traded in the car on XX/XX/2023. When I tried to refinance Exeter Finance informed XXXX XXXX XXXX that I had too much negative equity. This was a sign that Exeter didnt even want the car. So, I found a lot that had bad weather and could get me a deeper discount and I traded the car in. Once Exeter learned of this trade on XX/XX/2023, I was reported late. These people are low down and dirty. Always trying to keep people under their control. I managed to escape, and they are just upset and trying to damage my credit reputation which according to the XXXX they have done several over XXXX people. Please ask that complete payment details to be sent. This information is not accurate.
09/17/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CA 95337	Web	Servicemember
My spouse and i went to XXXX of XXXX to purchase a new vehicle. We were already low on cash and hi on bills. The duo salesteam talked us into some wrong deal where i was supposed to be the primary and my spouse the secondary because i qualified for the first time buyers credit since our fica scores wouldnt allow the loan. The literally said to us ... let us fudge the numbers. Came back but used my pay on my spouses name to make it go. Then lied and put her as the primary and still used my 1st time buyers credit. Add to that after 4 months repoed car since the XXXX/ month loan we couldnt afford didnt get paid on time. Sold car at auction for XXXX leaving XXXX left due. But placed XXXX left owed on MY credit. Illegal loan to begin with. Loan sharks at best. Exeter finance corp .
09/09/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	MO 64130	Web	Older American
I purchased a car via Exeter Finance in XX/XX/XXXX. The vehicle was purchased for around {$18000.00}. My payments were {$490.00} monthly. I discovered that Exeter was for many months was charging me {$490.00} in interest monthly. So after nearly two years of payments, I still owed almost {$17000.00}! The vehicle was totaled in XX/XX/XXXX. The insurance company paid off a little over {$14000.00} leaving a balance a little over {$2800.00}. I had purchased an extended warranty for the vehicle for {$3000.00} from which I expected a refund. I continued to make payments while waiting for the refund and Exeter was still charging me {$490.00}. XXXX in interest. By the time vehicle was completely paid for, Exeter had charged me almost {$1000.00} in interest on a {$2800.00} balance.
08/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 19134	Web
On XX/XX/XXXX Exeter Finance Corp was suppose to take a schedule payment out for {$260.00}. On XX/XX/XXXX I received an alert on all of my credit monitoring software stating that my account was past due on payment. I was never notified by mail, email or phone that my account payment didnt go through. So I did my own investigation and found that Exeter Finance Corp had technical issues and kept declining my card payments. Because I called my Credit Union and they allowed the payment through but Exeter Finance Corp was declining it. This is the second time this had happened. The first time was on XX/XX/XXXX. I was told last time that there was nothing they can do but these false late payments are dropping my credit score 100+ points while I am in the process of rebuilding it.
01/18/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	GA XXXXX	Web
The vehicle financed with Exeter Finance Corp couple of years ago was voluntarily returned to the bank after discovering the car was sold overprice and with interests increasing on a daily basis. When decided to return the vehicle the bank never provided with additional information of the whereabouts of the vehicle ( i.e. they sell it in an auction, etc. ). After a couple of months, I started receiving calls from multiple collecting agencies which all estimated a different amount to pay off the loan finally. When contacted the collecting agencies they disclaimed not longer being in possession of the account, disclosing Exeter Finance Corp should be contacted for further information. The issue is that every single collector presented a different amount, including the bank.
11/27/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	WI 535XX	Web
I HAVE AN AUTO LOAN WITH EXETER FINANCE. THIS COMPANY 'S WEBSITE HAS BEEN UNUSABLE TO MAKE PAYMENTS FOR A FEW MONTHS NOW AND THEY ARE DOING ABSOLUTELY NOTHING TO FIX IT. WE HAVE NO WAY TO MAKE A PAYMENT ONLINE AND THEY TELL THEIR CUSTOMERS TO JUST MAKE A PAYMENT OVER THE PHONE, THIS IS VERY INCONVENIENT FOR ME AND FOR MANY OTHER PEOPLE. I MAKE PAYMENTS AT DIFFERENT TIMES AND DIFFERENT HOURS OF THE DAY ALL THROUGH THE MONTH & I'M NOT GOING TO CALL THEM EVERY TIME NOR WILL THEY BE AVAILABLE EVERY TIME I AM. I'VE HAD SEVERAL DIFFERENT PROBLEMS WITH THIS COMPANY AND THIS JUST COMPOUNDS ALL THE OTHER ISSUES I'VE HAD WITH THEM. I WANT & NEED TO GIVE THEM MY MONEY TO MAKE PAYMENTS ON MY VEHICLE, AS IRREGULARLY AS IT IS, BUT THEY ARE MAKING IT AS DIFFICULT AS POSSIBLE TO DO SO!
11/17/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Loan opened without my consent or knowledge	AL 352XX	Web
the company came to reposse my vehicle even though i made payments and was told i was making payments on a diffrent account and there is nothing they can do because it was a unknown loan taken out against my name for a vehicle i dont own. i sent company bank statements and confirmation numbers over to try and get this resolved. the vehicle the repossed didnt match the vehicle that i was making payments on without my knowledge. the company basically let someone take out a fradulant loan under my name and didnt even care if i had bank statements and confirmation emeails on the vehicle that i was paying on saying that i was putting it towards someone elses account. Need to get investigation on why my name has a vehicle that i dont even own let alone have in my possession.
01/03/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 31088	Web
I have been unable to drive my vehicle due to Exeter not sending my Title to the Georgia MVA over a year ago. Upon discovering this at the end of XXXX when I attempted to renew my registration, I requested Exeter send the title so I could register my vehicle. It has still not been sent as of today, XX/XX/2017. When I spoke with a representative in XXXX, she agreed to have the payment that was due moved to the end of my total payment cycle. That was not done, and Exeter is reporting me as being 30 days late to the credit bureau for a vehicle I have been unable to drive due to their inaction. Additionally, they have repeatedly sent the wrong document, which I have told them every time it happens. Some of the representatives have been extremely abrasive and unhelpful.
10/11/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	FL 33319	Web
I, XXXX XXXX, entered into a consumer credit transaction with EXETER FINANCE LLC on XXXX I used my credit card as defined under 15 USC 1602 ( l ) and there was a finance charge involved as defined under 15 USC 1605. EXETER FINANCE LLC then took my credit and got a loan and begin to violate 15 USC 1692e because they falsely represent the status of debt. EXETER FINANCE LLC received a Cease & Desist on XX/XX/XXXX and continued to communicate directly and indirectly after that date violating 15 USC 1692c ( c ). EXETER FINANCE LLC is violated 15 USC 1605a finance charge does not include charges of a type payable in comparable cash transaction. EXETER FINANCE LLC also violated 15 USC 1692f ( 6 ) when they to non judicial action and dispossession the property on XX/XX/XXXX.
02/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11210	Web
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit reports. On XXXX XXXX, XXXX, EXETER FINANCE CORP add a hard inquiry on my credit reports. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
10/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77346	Web
This company shared my account with a third-party collection company ( XXXX ) before notifying me via mail of the account. They also have failed to validate this account being mine from me disputing this account since last year. They were reporting the debt as XXXX in XXXX and sold it to XXXX and now XXXX is reporting XXXX which means someone is lying about this account and no one has validated the account with proof of these amounts nor documentation that the account is even mine. I have also filed an FTC report and Police Report last year due to being a victim of identity theft but Exeter disregarded disputes and continues to verify this account with the bureaus. ( I have attached XXXX reporting of the XXXX from exeter and XXXX XXXX & FTC report filed last year. )
06/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75035	Web
On XX/XX/XXXX my credit report was pulled from XXXX financial institutions. Those companies that are reporting on my XXXX Credit report are XXXX XXXX XXXX, XXXX XXXX XXXX Exeter Finance LLC/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As well as XXXX XXXX on XX/XX/XXXX I have received my own financing from my bank XXXX where they gave me a check for the total amount for the car I was purchasing. I never gave XXXX or any other financial institution any access or authorization to run my credit or get any information since I will be able to provide the finances to purchase the vehicle with the help of my bank. Now years later I am seeing all these hard inquires on my credit report without any idea who they were from or why they pulled my credit.
10/17/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CA 94066	Web
I applied for a loan for a car on XX/XX/2020 with XXXX XXXX XXXX, who in turn used Exeter Finance LLC as its assignee to finance the loan. Upon discovery that there was no cash or payment to be owed on my current contract ( as stated on Pg. 4 section 2c bullet points 4 & 5 ) with Exeter Finance LLC they have since denied me my right to cancel the current contract with them for a misleading contract that they are the assignee of, charged off the vehicle, reported the charge off to the credit reporting agencies, attempted to repossess the vehicle, had a private investigator follow me, and denied return of my credits, payments, & title of the vehicle. While calling my allegations fraudulent and ordering me to cease and desist from contacting them about the matter.
09/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60517	Web
When i accessed my credit report today, i found 11 inquiries. Two of this inquiries, which I know nothing about, made by XXXX XXXX! One on XX/XX/2022 and the other on XX/XX/2022. Even if i really did apply for any loans with this company-which i something i do not remember- I would never do it again after 5 days of getting refused! Who would apply for the same company who got refused by after 5 days!???? The second thing is that it is known that if you apply for more than one loan that serves the same purpose, a car loan for instance, in a 14-days period, the credit bureaus considers all credit inquiries one inquiry! So why there is 8 inquiries on my report! Moreover, one of these 8inquiries, which was made by EXETER FINANCE LLCXXXX , i know nothing about.
11/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 93274	Web
On my credit report, Exeter finance keep reporting late payments. I have talked to a person regarding the ability to make payments on a car loan and payment arrangements which I started making with the exception of Exeter finance but they keep reporting late on my credit report its saying also my last payment was made in XX/XX/XXXX of XXXX, which is incorrect because I have made payments I have made XXXX and XX/XX/2023 payments which would be XX/XX/XXXX and XX/XX/2023. I dont get how its saying that my last payment was received XX/XX/XXXX even after we made an agreement that they would put whatever was late at the end of the remaining balance so it will stop showing up on my current report as late payments. This is damaging my credit and I need them to stop.
08/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL XXXXX	Web
I received my credit report in XX/XX/XXXX and noticed inquiries that I do not recognize. I sent the creditor a dispute letter asking for proof of authorization. Their response is as quote : " it is our understanding that ( i ) on or about XX/XX/18 you applied for credit. And ( ii ) the application for credit you completed included a disclaimer and authorization for the dealership to submit the application to other lenders in an attempt to qualify you for financing. This authorization is typically located on the application under the heading " consent to release information. '' This is a direct violation of my rights under FCRA 611. I asked for them to send me proof of authorization not tell me what it is. By not doing so, they're in direct violation of FCRA.
12/22/2017	Yes	Debt collection Auto debt	False statements or representation Indicated you were committing crime by not paying debt	PA 191XX	Web
Both Exeter Finance and XXXX XXXX XXXX, pursued a judgement against me in XXXX XXXX, XXXX, The judgement was n't granted due to : No payment was made from me since XXXX and I acknowledge this in court and the statute of limitations ran out for both companies to pursue a judgement. On my credit report it was dated that Exeter were remove its account in XXXX XXXX, because the 6-7 year reporting time were expired, so far both companies have reported illegally that I 've made payments since XXXX & XXXX, this is n't true and I would like both accounts removed off my credit immediately. Or, I 'm suing them and the credit bureau for consisted inaccuracies, out dated information. I also have documentation from the judge. Thank you, Please Help Me Put An End To This
05/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Received unwanted marketing or advertising	FL XXXXX	Web
Hi, I received a denied auto loan application with an inquiry to my credit report that I did not requested nor apply from Exeter Financial LLC, is like the third time and third agency or company that I received this denied notification and I did not make any auto loan recently with this company nor XXXX XXXX nor American from XXXX. I need that these inquiries be deleted and remove from my credit report I did NOT apply for an auto loan, because I moved to other state and I am working and lived near my work. FOR NOW I am not applyimg to any auto loan someone without my authorization and without my concern is doing this inquiry to harm my credit and when I decide to apply in the future can not apply because of those denied applications and credit inquiry.
11/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	MD 20832	Web
I disputed a charge-off on my credit report. I ask Exeter Finance LLC to send me proof of a contract with my signature as proof that I enter into a contract with them. I sent two letters requesting a proof, one on XX/XX/2021 and another on XX/XX/2021. I have not received anything with proof of my signature on it. The only thing that I received was a letter saying it was frivolous in XXXX. They never mark my credit report as disputed to today which is a voilation. The company did not respond to the first letter that I sent by certified mail that was signed for by someone in the company. I would like to have the charge-off removed if they do not provide me validation showing my signature that I have or ever had some contractual obligation to pay them.
11/06/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32780	Web
I XXXX XXXX have tried for over two years to have a credit tradeline removed from all of my respective credit bureaus. Exeter Finance has maintained a car loan on my three credit reports, even though the register my address in the state of Arizona, a state where I never resided. I even had a conference call with Exeter Finance with m y lawyer a year ago, and they claim that they have no knowledge how the account could be posted on my credit bureaus, even though the note was assigned to a person in Arizona. The current balance shows {$15000.00} with the last payment made XX/XX/2018. I need this account removed permanently and my name and social security number purged from the computer archives that reports to al credit bureaus immediately. XXXX XXXX
09/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MS 391XX	Web
I have tried to contact Exeter Finance, LLC on numerous occasions ( XX/XX/XXXX @ XXXX spoke with a XXXX XXXX and a supervisor XXXX XXXX both forwarded me to credit dispute team member and they asked me to go to exeterfinance.com. ( XX/XX/XXXX @ XXXX spoke with an XXXX XXXX she stated that the dispute team had started a dispute and it would be completed and sent out within 30 days ). As of today, I have not received any information, emails, or calls in regards of a request to remove this account because it is out of the Mississippi Statute of Limitations. In Mississippi, Contracts, oral or written, and Promissory Notes have a statute of limitations of 3 years ( XXXX XXXX, XXXX, and XXXX ). This account was charged off and sold in XX/XX/XXXX.
11/08/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33324	Web
Upon reviewing my credit file I noticed an Auto finance account that was in my name without my knowledge or consent I immediately contacted Exeter Finance.The representatives were understanding over the phone and informed me they did not have a department for what sounded like suspected identity theft.I wrote Exter Finance explaining the discrepancy and was told to supply more information.I proceeded to make an official police report in person to my local police department and later mailed it to Exeter.Exeter then stopped reporting said account to the credit bureaus.It wasnt until I checked my report recently I noticed Exter has started again reporting said account.Said company has also stated they will not stop the reporting of this account.
06/15/2023	Yes	Debt collection Auto debt	False statements or representation Indicated you were committing crime by not paying debt	FL 33647	Web
Exeter finance is not registered to do buisness in Florida. They are based out of Texas and also they are a third party company that did not get my consent to assign my debt over. Also the contract is void because I shouldnt even be in buisness with a company that is not registered to do buisness in Florida in which Florida is were I purchased the car at XXXX XXXX XXXX XXXX XXXX. They also refused to send me the original copy which we know is signed in ink not electronically. This contract that I supposedly am in with these two companies was very deceptive as well as fraud and I have all violation marked and invoiced ready to serve. Also the credit bureaus are inaccurate as well with the info they have up. Which I know is XXXX $ a violation
12/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77469	Web
On XXXX XXXX, XXXX, I was approved for auto financing through XXXX XXXX XXXX. On XXXX XXXX, XXXX, a contract was signed between myself and XXXX XXXX in XXXX Texas and XXXX XXXX XXXX was the financing company. On or about XXXX XXXX, XXXX, I was informed by XXXX XXXX XXXX that XXXX XXXX of XXXX XXXX retracted the contract. When asked why, XXXX stated that my social security number was invalid and he therefore could not sell me the vehicle. However, after I requested that he put it in writing, several inquiries appeared on my credit report for auto financing. I never agreed nor authorized XXXX XXXX to apply for any credit. I was already approved through XXXX XXXX Bank and the contract was signed on XXXX XXXX, XXXX. Please review attached
12/09/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	VA 23518	Web
I was a with EXETER FINANCE customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
12/12/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	IL 60617	Web
Exeter has been denying my several requests for copies of my contract signed with them for my XXXX XXXX XXXX, they have purposely lied to me regarding the legal rights of the second cosigner on the car claiming that she was a " cosigner '' versus a " Coborrower '' which changes the legal possession and dynamics of the law and contract drastically. They have denied every request I have made to be take off the car loan or accept a voluntary surrender of the car. They have refused to provide me with monthly bills as well as accept updated information for address changes. When requesting to speak with supervisors the staff are often argumentative and refuse to transfer to a supervisor or they just simply hang up on me when I ask for a manager.
06/20/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	KS 66102	Web
XXXX XXXX XXXX is a privately held company with 20 employees. We receive multiple calls per day from " Exeter Finance '' with a recording to " hold for an operator '' etc. When we wait for an operator, they will ask to speak to a person not employed with my company. We have told them numerous times to stop calling, no one here by that name, etc., to no avail. This has been going on for 6 months or more. This week alone Exeter Finance called at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. It is a great waste of our company 's time and money to answer the bogus calls from " Exeter Finance ''. I consider the call tactics as harassments because the serve no purpose other than to waste our time.
02/14/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	WA 986XX	Web
My payments for my XXXX XXXX XXXX are XXXX a month. In the month of XXXX I split the payment by paying XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. I received notice around XX/XX/XXXX that the finance company had not received a payment for XX/XX/XXXX. After showing them my bank statements to prove that I did pay and also pointing out that their own website has the 2 transactions that equaled my monthly payment they said they would look into the issue to see why the system wouldnt recognize my payment. I made my XXXX payment in one sum and yet again received a call ( XX/XX/XXXX ) starting I was 16 days past due. During that call I was told that I had missed my XXXX payment and that Exeter Finance believed I still owed for the month of XXXX.
08/27/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	NV 89147	Web
I started my loan with Exeter finance back in XXXX of XXXX since Ive purchased my loan I have the worst experience customer service XXXX I get they are a bank and want there money but XXXX I get so many late fees of XXXX dollars it makes no sense my XXXX statement of account the math is just not mathing I have added and yet I still get charged late fees I am tired of it XXXX alone I paid {$1800.00} for the month of XXXX mind you my car payment per contract is {$820.00} I get my statement for XXXX and I owe {$840.00} how and why am I charged a late fee of {$15.00} when I should be ahead and only owe {$700.00} even I have called and spoke to a manager and I was informed I would get XXXX dollar credit but I dont see it Im tired of this
08/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30518	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
08/18/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78626	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
08/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 08081	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
10/11/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	GA 398XX	Web
I'm very concerned to find out that the company who financed my car told me they charge daily interest.I also believe that finance charges was applied at the time I purchased the vehicle. I've had the vehicle over 2 years and it's only a XXXX XXXX less than what was owed when I got it. When I first got the vehicle after charges and fees it was XXXX, \| called on Friday XX/XX/XXXX to find out that the remaining balance was {$16000.00} and so I replied Ive had this car over 2 years, the payments are {$460.00} a month but I mostly pay {$500.00} a month, how is it this much? They replied well we charge daily interest. In this case the car will never be paid off, this wasnt explained because I wouldve never agreed to this. This is robbery
05/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 89512	Web
Purchased XXXX XXXXXXXX XXXX XXXX XXXX from XXXX, XXXX CA XXXX XXXX. XXXX financed through Exeter Finance, LLC. I have been battling with XXXX over title documents. The dealership has failed to provide necessary title documents to transfer title and lein holder. In XX/XX/XXXX Exeter sold loan back to XXXX. I never missed a payment, or been late. Exeter has reported this account as derogatory. The account is closed paid as agreed. The transfer of this loan has nothing to do with me or my standing under the contract. I have disputed 3 times with XXXX and twice with XXXX XXXX. The payment schedule in my report remains inaccurate as well as remarks and account status. I am on the verge of financial ruin due to Exeters false reporting.
06/30/2017	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	PA 191XX	Web
The company which is pursuant to sue for wage garnishment have not ever spoken to me, notified me of my knowledge by mail or any other form of communication that they were the direct agent assigned to resolve the debt until I received a summons for a wage garnishment lawsuit against me. The company is misleading on my credit reports & in summons that they have a record of constant communication with me concerning my default account. I have spoken to no actual representative at all to resolve anything. Also, the statute of limitations is up for this account. So, far I responded to the summons to go to trial by XXXX XXXX, 2017 and will be sending a sworn denial on XXXX XXXX, 2017 with courts and trying to follow the FCDPA guidelines.
01/17/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	IL 61820	Web
My car was repossessed by Exeter Finance LLC on XX/XX/XXXX and after making contact with them several times, most recently on XX/XX/XXXX by phone, they have refused to give me my possessions that were inside of the vehicle without me paying off a portion or all of the debt first. I also informed them that I never received a notice of redemption or any other legally required notices about the repossession, intent to sell my vehicle, or instructions on how to get my belongings and over a week after informing them of this over the phone ( on XX/XX/XXXX ), over 3 weeks after my car was repossessed and my belongings were stolen, I have still received none of the previously mentioned notices or any physical mail from the company at all.
01/05/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23606	Web
XXXX XXXX XXXX XXXX XXXX had obtain my personal information through identity theft. I never given this company any of my personal information including a social security number. According to the Privacy Act of 1974 which states : " The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records, and sets forth various agency record-keeping requirements. '' XXXX and Exeter Finance violate this act when my information was illegally obtained without my verbal or written consent.
01/14/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	OK 738XX	Web
I have a vehicle loan through Exeter Finance. I am XXXX XXXX and Covid slowed business to almost a halt for a few months. I contacted them and let them know my situation and they gladly deferred two payments to the end of the loan and informed me that they would not show up as late payments since they were deferred and no balance was owed. I am currently in the process of trying to secure a home loan and come to find out, BOTH payments were reported as late. This is the only thing holding back my approval. I have called Exeter to try and reason with them to no avail. I have sent goodwill letters explaining again with no response. My history with them and all of my other accounts is exceptional besides those derogatory remarks.
02/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 76106	Web	Older American
Exeter Finance last XXXX reported me delinquent to all 3 bureaus - i was instructed to send them my insurance check for 2 payments - sent XXXX per their instructions - i hired an attorney who sent them demand letter - they did nothing - although i have a recorded conversation stating exeter was at fault - now i go into XXXX XXXX XXXX - my bank sends them instructions to draft w a letter - they dud not follow it and again reported me delinquent - i now am able to talk - no XXXX / i sent them another payment - this company twice has reported fraudulently to all 3 bureaus - i spent XXXX on attorneys and im a XXXX survivor - XXXX - XXXX - nothing has been done - ill file suit in federal court if this is not resolved in 21 days -
02/05/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 302XX	Web
I financed a vehicle XX/XX/XXXX purchase price of approximately $ XXXX, today XX/XX/XXXX when asking for a payoff amount they are telling me its approximately {$26000.00}, which doesnt make sense since my payments are {$650.00} total paid to date {$7800.00}. While attempting to use car as a trade in to get newer vehicle car lots are having issues because they are saying the payout isnt correct since to date with pay off would be approximately $ XXXX more than what the vehicle was sold for. Im not understanding why the payout is more than the purchase price when I have paid close to $ XXXX this last year. Please help. Exeter claims thats correct however 3 different dealership wont touch the loan or transfer until its corrected.
07/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60605	Web
I was behind on my car note that resulted in a repossession. The car was in their custody for a total of XXXX days. The date was XX/XX/2022. I was instructed to pay a payment of {$2200.00} to retain my vehicle. This was to cover six months of payments that I was late on. I paid it on XX/XX/2022. I received my car back on XX/XX/2022 from the lot. I recognized that balance on the account that is not being reported to the bureau in its current state. I also noticed that my car is currently being reported in a closed status but the car is in my possession. I would like the status of my account to be brought back to a open status and the account balance to reflect the amount that it should be after my payment on all three bureaus.
01/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WY 82901	Web
My loan is with Exeter finance, I just refinanced the loan with another local credit union and they overnighted a check XX/XX/XXXX and payoff was dated XX/XX/XXXX as of the XXXX of XX/XX/XXXX Exeter is claiming they havent received it but I am pretty sure they are holding to avoid refunding a portion. Also my original contract was 72 months and I did an extension for one month to bring the term to 73 when I had XXXX and couldnt work, but my credit report is showing a term of 74 months. Company will not fix this issue. As this will also negatively affect my payoff. They will be getting extra money by fraud and I wonder how many other customers they have done this to. Exeter finance should have everything audited and verified
07/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33025	Web
I have written letters to exeter llc letting them know that this vehicle loan was opened fraudulently and is not mine. This account is showing up on my credit report and is not mine and no credit agency is taking it off no matter what I have told them about account being opened fraudulently. I had advised exeter llc that I request that they provide evidence that I must pay exeter in anything other than appropriate commercial paper should the debt be proven valid because, to my knowledge, the U.S. Congress provided the appropriate solution for me to settle my debts via the remedy in House Joint Resolution ( H.J.R. ) 192 of XX/XX/1933 under the United States, Public Law 73-10, and Public Law 48 stat. 112 ( among others ).
01/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 23606	Web	Servicemember
I have made several attempts to have the late payments removed from my credit report for the year XXXX during COVID. I was granted a payment extension and I Specifically asked would it effect my credit report. I was informed by the representative that the credit report would not be effected because the program will keep my account current. Exeter lied about that and reported the late to my credit report for XX/XX/XXXX and XX/XX/XXXX. The other late payments from the year XXXX were from when I was in a car accident and couldn't work for months. Exeter agreed to have this escalated and has yet to research pr resolve either one of these issues. I have attached copy of initial claim submitted in reference to my car accident
07/21/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 75075	Web
I current have a loan with Exeter Finance Corp. I have a 10 day grace period after due date however they continually call my cell phone and harass me. I 've explained I have been ill and to please not call me continuously back to back however they continue to do so. I have received XXXX calls from them today alone.. When I have specifically asked to not call me again they will call back and hang up on me. How unprofessional is that! My ten day grace is not up yet they call and harass you. You call and ask for help because you just have XXXX but they say ... Sorry your account is not late until ten days after due date so you have to wait till then yet they call you everyday to harass you even after you ask them to stop.
09/29/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	NV 89119	Web
I pulled up my credit report and noticed some inquires that I had no knowledge of. I reached out to the companies to see if this was a mistake and they said it wasnt. So XXXX claiming it as identity theft. I have no accounts associated with any of these creditors. Ive already submitted an identity theft report with the FTC based off these companies that inquired on my report : XXXX on XXXX XXXX. XX/XX/XXXX XXXX XX/XX/XXXX Consumer Portfolio XX/XX/XXXX Deluxe auto Finance XX/XX/XXXX Exeter Finance LLC XX/XX/XXXX Please look into and removed from my credit file immediately. Again I have no credit history or any open accounts with these creditors and it is illegal to tie me to an account XXXX not associated with, by law.
02/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92591	Web
I submitted a dispute to XXXX twice requesting that they change the status of my exeter finance account due to the fact that I received a loan payment extension for the two months that show past due which are XXXX XXXX and XX/XX/XXXX. I received a dispute update on XX/XX/XXXX that showed that XXXX did not contact exeter to verify the information and the status of the account. I also contacted exeter about the issue and was told to dispute the information with credit bureau. I submitted the proof of payment extension to XXXX for them to update my account but they refuse to do it. All I want is for the exeter finance account to be updated to show that there are no late payments and the account is current as of now.
10/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NJ 081XX	Web
Inaccurrence with The Fair Credit Reporting Act XXXX account XXXX EXETER FINANCE LLC has violated my rights 15 USC 1681 section 602a states I have the right to my privacy 15 USC 1681 section 604 a section 2 It also stated to Consumer reporting agency can not furnish an account without my written consent of instructions 15 us code 1681a- definitions rules of construction exclusions except as provided in a paragraph the term Consumer Report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report 15 USC 1666 b a creditor may not treat a payment on a credit card account under an open end Consumer Credit plan as a late for purpose
10/14/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 30093	Web
I financed my car through Exeter that I got from XXXX. And I been paying my note on time with some late payments. I recently went on my Exeter account and seen my APR was an outstanding balance. They told me it will take 72 payments to pay off. But I recently went to my account and seen how much my principal fee is. But I paid so much money, and they only took a grand off. It's been over a year since I had my car. I looked at the reviews and I am not the only person with this problem. My car total is only XXXX. I put XXXX down. And I already paid XXXX. My XXXX XXXX XXXXXXXX XXXX is only worth no more thaXXXX XXXX XXXX and I also calculated how much they are charging me, Which is XXXX x 12 months x 6 years = XXXX.
07/20/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	IL 60188	Web
I have been struggling trying to pay my car notes on time doing the last XXXX months do to me having major XXXX on my neck which caused me of being off work. I have made the monthly payment even though it wasnt on the day it was supposed to be on but they got they money that month I only have to more payment left on my Vehicle which is XXXX I have spoken with someone about my situation at Exter finance company They told me that I owe them XXXX plus which Im not understanding the young lady told me that I have to come up with that amount next month which they are forcing me to return back to work which the doctor havent released me yet. Im already stressing about my other bills that need to be paid. Im not behind.
10/04/2020	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	MS 388XX	Web
I had a car loan with Exeter finance. The car was stolen, so no payments was made. They where aware of the situation. They reported it to the credit bureau and when I called to 1 let them know the situation I was told if/when they got the car back it would be removed from my credit. Months later the car was impounded in a different state where they caught the person who stole it. I called them and arranged for them to go pick up the car even sending the spare key to the impound yard so they could get it. I called and made sure they got it now they are still reporting it. One credit bureau they are reporting {$12000.00} and on another they are reporting {$14000.00}. I want them to keep their word and remove it.
11/04/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 33317	Web
XXXX XXXX XXXX is the lender, XXXX. XXXX XXXX XXXX, TX XXXX, is a preparatory lender and taking advantage me. My car was destroyed during XXXX XXXX and my insurance paid the lender the value of the car. The car was a XXXX XXXX XXXX, I paid the lender approximately {$21000.00} in payments, the insurance company paid the lender {$7600.00} for the vehicle for a total of approximately {$29000.00} for a used car which the original loan amount was {$25000.00} and the value approximately {$17000.00}. The lender states that I still owe {$12000.00}. The total payments for this vehicle would amount to approximately {$41000.00}, over {$18000.00} in interest. This is predatory. See attached payment schedule and pay quote.
09/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	DE 19802	Web
I recently took a look at my consumer report and I was extremely confused. In accordance with the Fair Credit Reporting Act, EXETER FINANCE LLC has violated my rights. - 15 USC 1666b states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. I was never late on this account. Please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my consumer report. -15 USC 1681s-2 ( F ) ( i ) ( II ) states that the covered period for consumers affected by covid started XX/XX/2020 and ends 120 days after the date on which the national emergency concerning COVID-19 outbreak terminates.
07/06/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	VA 243XX	Web
I sold my vehicle to a dealership on XX/XX/2021, the finance company Exeter Finance received the payoff on XX/XX/2021. On XX/XX/2021 I cancelled my extended warranty and was told that the refund of XXXX was being sent to me. On XX/XX/2021, I realized that Exeter had accepted my refund. It is now XX/XX/2021 and every time I call a different supervisor gives me different answers. I still have yet to receive my {$1500.00}. Ive called twelve times and spoken to twenty different people. I want my money! Also, I was told the payoff would have been reported to the credit bureaus on the XXXX of XXXX and this has not occurred. Meanwhile I am without a vehicle due to not being able to finance until this shows paid off.
01/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	GA 312XX	Web
There are a ton of inquiries showing up on my report that I do not recognize. These companies had has not had my written nor verbal permission to access my credit file. I have reached out to each company individually and they have each stated for me to contact the credit bureaus. In doing so, each credit bureau has not addressed this issue in a timely matter. The companies listed did not have my permission to access my credit file. XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
12/15/2023	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	CA 95608	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 925 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
05/28/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	WI 53223	Web
I have a vehicle that I purchased that was totaled. I had to get insurances that were obtaining information to send payments to the finance company. I reached out twice a month to the finance company to make sure I could still make my payments but they advised me to not make the payments due to the gap payments pending. I have contacted them during the Covid epidemic and asked them to use that for 90 days as a grace period while the gap payments were still pending I attempted to make a payment and was denied since they were not able to make payment plans and they wanted me to pay the full amount but they did state that they had received the gap payments but the amounts were not disclosed in the system yet.
11/08/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA XXXXX	Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
06/17/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 30041	Web	Servicemember
Exeter Finance has not applied my most recent payment to my account. I made a payment on XX/XX/2023 for {$230.00} to get my account current. I then made a second payment on XX/XX/2023 of {$62.00} for the late fees. Currently as it stands the payment of {$230.00} has been applied to the past due balance. But the payment of XXXX shows it was processed but it was never applied to my late fees and shows it was applied to interest. This amount also does not reflect the reduced amount on my next payment due on XXXX XXXX. Which is causing me to show a payment due for XX/XX/XXXX of XXXX which include the late fees. Therefore the amount of {$62.00} has disappeared and has not been reflected on my account.
12/02/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	SC 29440	Web
On XX/XX/21 I call Exeter Finance to make arrangements on my vehicle. I told it not possible. If I call on 30 of last month, it would be ok. So I explain that I'm 2days later on making payments arrangements, yall not willing to help. So now I'm being threatened to get my vehicle repossessed because it charged off on their account. In state of SC, I got received letter as attempts to get vehicle. I NEVER received it. I had problems with this company since my loan with them and I'm tired. They charger additional fee if chose make payments by XXXX or other financial vendors. They lies about fees, and when set up payments arrangements to their standard it won't be in your best interest. I need help please
11/26/2023	Yes	Vehicle loan or lease Loan	Repossession Company communicating payment assistance or payment extension options	KY 407XX	Web
they give me until the XXXX and I found out I don't get the loan until the XXXX and I started a new job and don't get paid for 2 weeks .. they want me to pay XXXX dollars then 2 weeks an9ther XXXX then another 2 weeks a XXXX etc.. the same but I need at least until the XXXX when I get the loan... I was suppose to get the loan on the XXXX but I have orientation on Monday the XXXX I need my car for work can u please help me and get an extension until the XXXX r until my first paycheck then I don't care to pay every 2 weeks at a XXXX until I catch up.. they never even told me they were repossession the car.. no letters and no calls... I'm stuck and need help.. thank u sincerely XXXX XXXX XXXX XXXX XXXX
07/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 95116	Web
I have been trying to resolve these issues with Exeter Finance from XXXX. Last time I tried to resolve the issue was just last month XX/XX/XXXX and the Dept of Justice, Mr XXXX 's office rep also tried to send them a letter regarding this issue. Exeter did not correct the problem. Exeter financed a fraudulent loan with XXXX XXXX which I came to be aware of after the Class Action Lawsuit was filed against Exeter. I was misled and was given wrong information about the XXXX employment to secure this loan. Exeter has ruined a lot of people 's credit by practicing unfair Auto Loans. Financing is illegal if lenders do not have a basis for believing that customers will be able to repay loans as scheduled
09/23/2023	Yes	Vehicle loan or lease Loan	Repossession Deficiency balance after repossession	MD 20602	Web
I purchased a vehicle and it was financed with Exeter Finance XX/XX/XXXX. Due to health issues that caused me to be unable to work, I did a voluntary Repossession XX/XX/XXXX. After this was done, I was notified by Exeter Finance that they sold the vehicle at Auction and they received over {$6000.00} for the vehicle. This left a deficit of approximately {$3800.00}. This debt was sold to XXXX XXXX shortly after and XXXX XXXX is showing on my credit report with a balance of {$3800.00}. I have constantly disputed this incorrect information with the 3 credit bureaus. Exeter updated the information on my 3 credit reports and they are stating {$9000.00} was written off. This is completely incorrect.
12/16/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	WA 98058	Web
I have been contacting Exeter Finance regarding the account they are reporting on my credit since XX/XX/XXXX. I have given them my name, address, social, date of birth and even the account number reporting on my credit so they can give me debt validation for this account I do not recall openeing and each time I call they tell me they can not locate an account with my information. Even after admitting they can not locate an account for me they continue to report this on my credit which is against FCRA laws. I have disputed this account with them and the bureaus on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and have not received any response or evidence that this belongs to me.
07/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33009	Web
To Whom May Concern, I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate. I am requesting that the inaccurate items be removed from the report immediately. This letter is formal request to delete the inquiries listed below from my credit report. To my knowledge, I have not signed any documents authorizing the companies listed to view my credit history. XXXXPlease delete the follow inaccurate names : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXETER FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
01/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OR XXXXX	Web
I was a victim of XXXX 's inquiry issue. I called and tried to explain this to them. I have reached out to them in writing and via phone and the companies via in writing to no avail. Inquiries I did not authorize : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX And this month I had multiple inquiries in a one/two day span in which I DID NOT authorize. The salesman at a dealer had me sign a form allowing them to pull credit. I did not authorize them to allow anyone else but THEM to pull my credit. XXXX XXXX XXXX. I had over 13 inquiries over all 3 bureaus pulled. They financed me thru XXXX XXXX. This is criminal. XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Exeter XX/XX/XXXX XXXX XXXX XX/XX/XXXX
11/13/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20782	Web
To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate credit information. I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently which was very stressful for me. The inclusion of this inaccurate information is a mistake on either your, or the reporting creditor 's part and I am formally requesting an investigation into these items. XXXX XXXX XXXX : XXXX The account status is inaccurate, please delete. I expect a timely response from your Credit Bureau regarding my dispute. Thank you for your prompt attention to this matter.
04/29/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	SC 292XX	Web
My vehicle was paid off by the at fault driver 's insurance company following an automobile accident on XXXX XXXX. An overage is due to be refunded to me, as my account balance was paid in full. I have made repeat phone calls to Exeter Finance regarding money they owe me, approximately XXXX. Every time i call, they are reviewing it. A payoff amount and warranty refund was sent over 2 weeks ago, XXXX XXXX, 2016. To date, it 's still being reviewed by a department that no one can speak with. My account is still open and showing that i owe them. They keep assuring me all is fine. It is not until i receive my overage check, my account is closed, and reported to the credit bureaus as paid in full.
06/05/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 38125	Web	Servicemember
Company has performed numerous unfair credit reporting acts to intentionally damage my credit. My attorney stated that Exeter Finance LLC sold this alleged debt to a debt collector, which I am unaware of, and that you Exeter Finance LLC is in violation of fair credit reporting practices. The alleged debt is a closed debt with no balance owed and Exeter Finance LLC has benefited from having sold this alleged debt. Law states that as the original creditor they can not continue to report a balance due if they have sold the account to a collections agency. The only exception in which they can report is if it is in a charge off status which it is not and therefore, they have to delete the item.
10/28/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	IL 60617	Web
Exeter finance has used several hostile formats of communication and purposely left me without excess to my account information for the vehicle they are in charge of financing. I have called multiple times attempting to update my personal contact information as to phone number as well as to receiving bills to my old and new home address. When calling into exeter they have been argumentative and outright refused to update my contact information as well as provide me with the billing and finance details of my car loan. At this point since exeter refuses to obey the federal and state guidelines on this matter I have consulted an attorney and will be proceeding with service in that matter soon.
12/31/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	CA 92019	Web
In XX/XX/2022 I refinanced car loan I had with Exeter through my bank. When I first got vehicle I was told my interest rate was under 20 percent and found out when I made first payment it was over so I refinanced through my bank six months after paying Exeter because my credit rate was good enough to get a loan through my bank for 10 percent less. While at my bank my banker obtained payoff amount for Exeter and we sent a check for that amount. Now Exeter refuses to give my bank the title and they cashed the check and still say I owe them money. Six months later and no title and so now my bank shot my interest rate up 8 percent and XXXX is reporting my loan is late. I paid off the vehicle!
01/11/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	CA 92544	Web	Servicemember
On XX/XX/XXXX at XXXX XXXX, I spoke with a representative that told me I should have received title within 25 days from payoff date, which was XX/XX/XXXX. After the representative looked further into account notes, she stated the title had been requested because it wasn't held in house. As of XX/XX/XXXX, she doesn't know when to expect title, why it wasn't sent ir when I would receive it. When I asked to speak to a manager or someone who could give me an answer, she stated there wasn't anyone. All she fan donis send an email. Exeter finance has taken my money and not sent me my car title. No one can explain to me when I'll receive it, the hold up or where I can complain about this issue.
12/09/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 30041	Web	Servicemember
Inquired with Exeter Finance on changing the due date for my auto loan I have with them. Spoke with a representative from their company via live chat directly from their website. I requested that the due date change from the XXXX of each month to the XXXX, which the agent said would work for my account as I was eligible for that. After the agent put the request through, the agent said it would take two business days to process. I have waited longer than 2 business days and the due date still hasnt changed to the XXXX of each month. Which has caused the account to be 2 days late. Note on the website it says you are allowed to change the due date one time during the life of the loan.
05/22/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA XXXXX	Web
I am writing to dispute the following information in my file. I recently received a copy of my credit report s ( XXXX , XXXX , and XXXX ). The credit report showed credit inquiries that I dont recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all XXXX credit bureau agencies because it is making it very difficult for me to acquire credit. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Please remove these inquiries from my credit reports immediately.
02/06/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	WI 54911	Web	Servicemember
Today on XX/XX/ I am currently in XXXX visiting and woke up to my vehicle missing. I called the police to make a report only to find out that my car had been repossessed. I asked for the contact information of the company that took my vehicle to find out how did they know where I was and why did they take my vehicle. I was informed by XXXX XXXX that they ran my plate ( which was done without my knowledge nor consent ) and seen that it was in repossession status reported to their system by Exeter Finance. I spoke to Exeter asking them to release the car back to me due to an illegal repossession. They have refused and they are requesting over {$7000.00} to release my vehicle back to me.
12/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	UT 84041	Web
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, XXXX XXXX, on XXXX. XXXX, 2020, EXETER FINANCE CORP and on XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiries on my credit reports. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
08/16/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	WI 53208	Web
Last year around XXXX XXXX my vehicle was repossessed. The creditor didnt send me any notices prior to being repossessed. My personal items were damaged that was inside the vehicle once i went to redeem it after calling the police because i thought the truck was stolen. In XXXX of this year I was repossessed again without Notice of default right to cure or notice of sale. I requested documentation on the vehicle and was sent someone elses contract that I do not know. I then reviewed all the documentation the creditor sent and realized they had me unconsciously wave my rights of their wrong doings and other violations thatll lead to me not being responsible for a deficiency balance.
03/14/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	TX 77090	Web
I got the vehicle in XX/XX/XXXX, from XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX. XXXX The rate was 20.61 %, and I believe was to high by Texas law, XXXX XXXX mislead me on finance discussions transferring the car loan to Exeter Finance, knowing that recall matters where not fixed and the car was in Hurrican Harvey according to Vin number reports. In addition Exeter Finance Company has illegally withdrew funds from my account multiples times in XX/XX/XXXX they withdrew {$400.00} and on XX/XX/XXXX {$600.00}, many of these instances has happened Exeter Finances and XXXX XXXX are not keeping monthly statements up to date or accurate due in part to the illegal withdrawal and Finance rates.
02/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30344	Web	Servicemember
I recently received a copy of my XXXX, XXXX, and XXXX credit report. The credit report showed a credit inquiry by the company that I do not recall authorizing. I understand that they shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file. I have sent a letter certified mail because I need a prompt response to this issue and I requested that the company forward me documentation that you have had the unauthorized inquiry removed. If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. The company redirected me back to CFPB.
09/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 923XX	Web
I have had an account with EXETER FINANCE that started in XXXX, XXXX. I made a payment on XXXX/XXXX/XXXX confirmation # XXXX and they never took the money out of my account and then hit my credit with a late mark. I have attached a letter from my bank stating that they never tried to take money out of my account in XXXX of XXXX and that my bank never declined a payment to exeter finance. I never changed account numbers or anything and I made payment from the same account I have saved online. This error is not on my part, it is on exeters online system and I feel it is unfair to hit my credit when it is a mistake on their part. Please remove this mark from my credit immediately.
05/01/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Old information reappears or never goes away	FL 32714	Web
I cosigned for a loan with my daughter in XX/XX/XXXX with Exeter Finance LLC and unfortunately she had to let the car go back in XXXX due to her having problems with her XXXX. The loan has been closed for over 6 years and this company is still reporting on my credit that we still owe them. They have reported this as a charge off and profit and loss debt on my credit report and they are continuing to sell my information to other debt collectors. I have attempted to call them to discuss the matter but they will not remove it from my credit report. I know after 7 years it suppose to fall off but this is really hurting my credit rating. Please help if you can. Thank you for your time.
06/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 326XX	Web
On Tuesday, XX/XX/XXXX a letter was delivered certified mail asking creditor to verify late payments on a joint account. Thirty-one days later after retaining a new copy of credit report, I notified the company they did not contact credit bureaus to have account marked as disputed violating state and federal laws, FCRA section 623 ( a ) ( 3 ) & FDCPA section 807 ( 8 ). On XX/XX/XXXX I received a response from the creditor stating account was verified with no documentation showing so. On Monday, XX/XX/XXXX they received another letter delivered certified mail of all the laws violated by the company and their response was send them any and all documentation I have regarding account.
09/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 381XX	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX EXETER FIN XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
04/20/2018	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	PA 19150	Web	Servicemember
their has been numerous attempts to have company EXETER finance to show proof of if account is mine and the balance owed first attempt was XX/XX/XXXX asking for documentation as it has been reported on my credit report 31 days later they only responded as verified but know proof as my account this has been reporting on my credit report as charge-offs making it difficult for me to obtain employment because of credit score i also sent letters to EXTER finance XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX but i still get same response as this is verified as your account but by law since they did not adhere to law should be delted from my credit report thanks for your help
05/14/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21229	Web
I am in the process of purchasing a home and the lender pulled a mortgage report and unannounced to me was a XXXX XXXX XXXX collecting for Exeter finance. It seems like my entire life i have been having issues with my fathers info reporting on my credit report I called XXXX XXXX who gave me the number to XXXXXXXX XXXX and they dont answer the phone. I then called Exeter who can locate an account of mine but i cant answer any verification questions including address because i never had an account with them i am stuck and dont know if this is id theft or a mistake. I do know it is keeping me from being able to purchase a home and am unsure if its even legal for them to report
03/20/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	NM 87121	Web
My husband and I sent the finance company a final payment for our car and we paid the car off in full on XX/XX/2020. I have called them numerous times and asked them for our pay off letter and our title to the car. They keep telling me that it will be 7 to 10 business days to receive it but it has been almost a month now and we still havent received it. I called them again today XX/XX/2020 and the lady told me that they do not have any record of me calling and asking for it. But I have proof on my phone that I called them to ask for it and my husband is my witness to these phone calls. I am tired of the run around and would just like the pay off letter and title sent to us.
02/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA XXXXX	Web
I sent a written dispute letter to XXXX to have them verify any debt they claim I owe. Letter was submitted XX/XX/2023, I was told to give them 30 days and it has been 31 days and I havent received a response! I talk to a manager name XXXX, she didnt want to provide last name and the number she uses is # XXXX saying I need to write another letter and allow 30 days for response! I requested her to remove the inaccurate information from my report but she states she cant do that only the investigation team and they only work through email and po box not a live person! This information has been on my report for a couple of months now and they are not removing this information!
06/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 46060	Web	Servicemember
My name is XXXX XXXX and I am a U.S. Veteran. my Identity was compromised between XX/XX/XXXX and XX/XX/XXXX. During this time a fraudulent account was opened in my name with Exeter finance. Exeter finance and XXXX are aware of the fraudulent account, however, as of todays date the negative item still remains on my account. A military police report has also been filed and my unit is working with the Federal Trade Commision and the Consumer protection agency to resolve the matter. Please have Exeter remove this from my account immediately as it is causing me economic harm. I have also included a identity theft report from the federal trade commision regarding the complaint.
11/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77450	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX XXXX Balance {$16000.00}. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit Report :
10/01/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	NY 11717	Web
The car was a total loss. Exeter finance continued to charge fees and interest after the pay off amount check was sent by my insurance company. Fees that they can not explain making my refund a lot less smaller. They also stole my Gap insurance money from XXXX XXXXXXXX, claiming the insurance company did not pay the pay off amount which is a lie, they payed over the amount. I been given the run around in regards to my refund check since they claim to have mailed it to me on XXXXI have not received it yet and were in XXXX now. Tired of calling this company and no one can give me accurate information. There customer website never matches what they are saying on the phone.
01/18/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NC 27030	Web
The company that I have my vehicle financed with will call my house, my work & my cell every 30-45 mins & when the answering machine picks up or voice mail starts, they hang up without leaving a message or call back number or anything. This is very annoying, harassing & downright unprofessional to say the least. All of our payments are made online & on time. I do n't know what their problem is but it needs to stop. They 're XXXX companies that I have this problem out of. They are Exeter Finance & XXXX XXXX. I will not recommend these companies to family or friends due to the fact this harrassment is constant, daily & lots of times late into the night whenever they call.
02/06/2019	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	FL 34609	Web
I have disputed the items in question on my credit report with XXXX XXXX XXXX and it's new account owner XXXX XXXX XXXX XXXX. After battling with XXXX to remove these items they in turn updated them with the wrong information. How is it that a company can charge off all debt and still report negatively on said report with no recourse. So I never had debt with XXXX XXXX XXXX XXXX. My debt originated with XXXX XXXX XXXX. therefore they are the loan institution and I have no business or have ever had business with XXXX XXXX XXXX XXXX. I ask that both items be removed from my XXXX report as they carry no active balance and have remained and still remain as a charge-off.
06/07/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	NJ 07304	Web
The company is exeter financial they are charging 24 % rate interest they just allowed for pay the monthly some like 15 days the down payment I did was {$5000.00} they increase the car price {$4000.00} I can't refinance because is higher that the index price I am actually can't pay that much interest my credit score was over 630 the dealer reduce points calling many companies in the first conversation with exeter phone people they offer refinance with a company they knew " XXXX '' was the refinance company name they have confabulation with the sales girl I guess because she promote it to real with no option also she took longer as days to give a copy of the contract
06/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92240	Web
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX You are in direct violation of the Fair Credit Reporting Act ( Exeter is the company and account number is XXXX ) 15 U.S.C 1681 section 602 A. Clearly States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without written consent. 15 U.S.C 1666B : A creditor may not treat a payment on credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payments and update this account immediately as you are in direct violation of several laws under the The Fair Credit Reporting Act.
07/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 90302	Web
I recently paid off a vehicle loan. To my suprise the lending company issued a 60 day delinquency againt my credit report. I have not missed a payment in 5 years. I have not received my vehicle title from loan company. I have atempted to speak to company representative /supervisor but No superior is ever available. Ive called company 3 times to get vehicle title. The company claims title was mailed on XX/XX/XXXX. It is XX/XX/XXXX I attempted to resolve issue with lending company but no resoluton was reached. I sent dispute to three credit reporting companys but issue was not resolved. My credit score dropped over 80 points. My credit score is now in the low 600 's
04/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	HI XXXXX	Web	Servicemember
I did not apply to the following places for a vehicle. I have contacted each one and they said they can't do anything about it, and they blow me off like it's my problem, when they are the ones who looked up my credit. But it shows a negative on my credit report because all these finance companies checked my credit report. I don't live in XXXX. The only two states I have lived in for the last 30 years is XXXX and XXXX XXXX. I have not looked for a car finance company at all. If I did, I would go straight to XXXX, where I know I can get it financed. XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
02/07/2017	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	NC XXXXX	Web
At the inception of my loan, I had great credit ( XXXX or so ). I got the loan from the dealership I went to ( XXXX ), I was not informed of any specific details ( such as loan APR, only length ) when purchasing the car and putting the down payment down. After I did all of that, I was stuck with a super high interest rate ( 18.10 % ). I was also required by XXXX to get " extra protection '' which was a service contract, that I did n't need or want, but I was told I must have in order to get the car. An extra {$1800.00} to the loan. Now I can not continue to afford this car loan, the interest rate is at an astronomical 18.19 %. I need it to be lowered to 4 %.
04/18/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	VT 05401	Web
Company reposed vehicle would not allow any financial loan repayment plan. Did not disclose where the vehicle was taken at time of repossessed never allowed to regain belongings and was only able to locate vehicle when notified it was be up up for auction in Connecticut residential registration address is Vermont creditor has misreported this collection amount as a charge of for full amount of total loan then opened another 3 party debt collection agency to report same debt in the collection amount for the debt amount owed which is never confirmed or verified via noticed of vechicle sold at auction and amount received for payment of vehicle when sold at auction
06/11/2020	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 43081	Web
My loan was extended out one month which showed online on my account for XXXX and I had to pay XXXX. I got a new car so they paid the entire balance before XXXX was over to take care of my extended month payment and my XXXX payment and all the rest of payments. It was paid before the XXXX of XXXX so It shouldnt have even hit my credit at all. After they marked I was behind two months they then put paid in full on good standings so my score dropped for two late payments. I have proof the check was sent to them from the dealership on XX/XX/XXXX but the car was bought on the XXXX! They refuse to even look at the payment of the check and marked me two months late.
04/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 902XX	Web	Servicemember
I have been a victim of fraud for since 2008. Im a XXXX XXXX XXXX XXXX. I served XXXX wars for my country. While XXXX my identity was stolen. Ive written XXXX, XXXX, and XXXX XXXX several times about fraudulent inquiries and fraudulent accounts. Ive disputed these items for years. They still appear on my credit file and its impacting me to be able to get a home and other credit. Please assist. The accounts are as follow : XXXX XXXX, XXXX XXXX, XXXX XXXX, which are all paid in full even though theyre fraudulent accounts. Exeter Finance which is a loan I never opened. And over 20 inquiries which theyre shouldnt be none. Please help me. Sincerely, XXXX XXXX XXXX
07/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	CA 91913	Web
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX legally requested a description of the details of verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply to these regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company.
08/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 20774	Web
I disputed an inquiry that was falsely made by Exeter. This credit inquiry was made on XX/XX/XXXX. I sent a letter to the creditor via certified mail on XX/XX/XXXX which was received on XX/XX/XXXX, After 30 days passed, this company responded to my first letter by sending me a letter stating i should consult with another company on this matter, which doesn't make any sense, This particular company wasn't listed on my credit profile Exeter is. I did not authorize anyone employed by Exeter Finance to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.
11/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33510	Web	Servicemember
Exeter finance LLC, is a big complete fraud! I filed a complaint with the XXXX XXXX XXXX, but unfortunately XXXX closed this companies profile due to numerous consumer complaints. Not only has Exeter charged my account with all sorts of late fees, they're reporting my account late to the credit bureaus stating it was late prior to the due date. I tried to contact the CEO explaining my situation and why I've been late in the past, but the email reply was down right disheartening during these hard and uncertain times. I will be doing a voluntary repossession because I am unable to keep up with the late fees, high interest rate and late payment credit reporting.
10/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 94952	Web
My husband went to XXXX XXXX to view a car. I was not present. XXXX XXXX ran my credit report without my authorization and had 4 companies pull inquiries on my credit. I was not in attendance nor was anything signed. None of this was authorized. Later, I did purchase the car and paid cash. No credit was involved. All happened on XX/XX/XXXX. XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies
05/13/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	OH 45251	Web
2 1/2 years ago I purchased a XXXX Chevy Malibu. 1 month ago the Malibu was rear-ended and totaled out by state farm insurance. At the time of purchase, the XXXX Malibu had XXXX miles on it. I spoke with a rep from Exeter Finance ( my former finance company ) and the rep stated that I still owe {$7100.00}. XXXX XXXX sent Exeter Finance a final payment for the XXXX Chevy Malibu in the amount of XXXX At this time I am satisfied with the final payment to Exeter and I feel that I am NO longer obligated to any cost concerning the XXXX Chevy Malibu. You can reach me at XXXXXXXXXXXX or via phone XXXX to help resolve this matter. Thanking you in advance XXXX XXXX.
11/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 285XX	Web
In XXXX I went to see about a vehicle though XXXX XXXX and I gave them permission to run my credit once. After a week I seen so many hard inquiries and I was calling and writing companys saying I didnt give you all permission to pull my credit. They said well XXXX XXXX said to pull it. I asked them if they could take this off since I didnt ask them to pull my credit and they stated yes. And I have looked and everything is still in there. In may I purchase a car through down XXXX and got approved from there company called allied auto financing. There should be only that and XXXX on my hard inquiries and there is XXXX. Im being hurt by all this credit issues
07/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28311	Web
Exeter Finance & COAF came on my XXXX XX/XX/XXXX as a hard inquiry. I called both companies asking why did they pop up on my Inquires. They stated XXXX ( XXXX , NC ) said I was a cosigner for a car. That 's incorrect, because I have no driver 's license, nor consent to being anybody co signer. I called XXXX they said they had no record of me. Asking to please take these fraudulent Inquires off my credit report hindering me from progressing in life. XXXX ( National Credit Card/ Airlines Are on my XXXX XXXX . Dates are XX/XX/XXXX & XX/XX/XXXX . I 've called and they ca n't find me in their system. I do n't even know who the company is.
08/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33617	Web
I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. If you can not provide any signed documents of me giving authorization to perform this act please remove ALL inquiries from all credit bureaus youre reporting on my credit report immediately! Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for anything with your company. Theres no accounts tied to these inquiries on my credit profile.
02/19/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	FL 33566	Web
I am late on my car payment, that is obvious, but the car company calls daily 6 times, sometimes I will speak with someone and literally 5 minutes later I will get another call from someone else within the same company will call and I will explain that I just spoke with someone, yet they will continue to ask the same questions again, it seems as if they are looking for my reasons to change? They have been verbally asked to stop calling so frequently Additionally I submitted a written request to them through their own internal contact process a copy of this message is attached ; however this has not deterred them at all. The company is Exeter Finance Corp.
05/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 91709	Web
In XX/XX/XXXX, I discovered I never received my title on a car purchased and paid off in XXXX. In addition, I learned Exeter XXXX reported me being late multiple times. I contacted Exeter and was told the payments werent 30 days late but there were late fees that were not paid. I disputed that I had acurred these charges. If I was never late on my actual car payments and paid the car off in XXXX how can Exeter report me being XXXX, XXXX, XXXX and 120 days late XXXX, XXXX, XXXX & XXXX of XXXX? And not release my title. Ive called several times and all they have said is they will send me the history. But this does not correct the issue on my credit report.
08/10/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	OH 44118	Web
I entered a financial loan for an automobile with XXXX XXXX, for appx. XXXX. Since XXXX I have paid ahead on the loan. Ex : XXXX : I made 3 payments instead of 1. In XXXX I made a payment, in XXXX I made 2 payments. I have my billing statement for XXXX and it shows my payments are going to interest, even though I'm continually 1 to 2 months ahead on all my payments since XXXX. Why are they stealing my money? I'm widowed with XXXX children and am trying to pay the loan off early, however : due to my payments being applied to intrest only ; I will have paid XXXX of the loan back by XXXX. However : only 15 % of that has been applied to my principal balance.
12/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29456	Web
I payed it down to XXXX XXXX I voluntarily gave it back because 6 months of ownership it blew and engine and the warranty wouldnt cover! Say I was late and my last payment was in XXXX XXXX XXXX whichs is a lie, we had a plan wit them and they say i didnt pay lied Then how do I get a XXXX dollars balance on my loan when I gave it back to them around XXXX then sold it and made XXXX and before they did that i owe XXXX I ask over and over again to fix it and they dont and they got XXXX XXXX rims and tires I think this finance company is a rip off and should be due for false info towards and making me look like I jsut didnt pay stay away from this XXXX XXXX
01/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WI 53546	Web
The remaining balance with Exeter finance was written off in XX/XX/2018. This company has illegally reported late payments and an open account to XX/XX/XXXX and XX/XX/XXXX twice since XXXX. On XX/XX/XXXX my credit score dropped 20 pts. On XX/XX/XXXX my score dropped another 17 points when they unlawfully reported a late payment on a closed account and the account was re-opened. I will Sue this company and the credit bureaus if this account is not removed from my credit reports under the FCRA. There can not be new missed payments on a 3.5 year old charged off account causing my score to plummet. I have attached documents showing their illegal procedures.
12/13/2019	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 93309	Web
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
07/08/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL XXXXX	Web
I contacted Exeter Finance and XXXX on several occasions in regards to a fraudulent inquiry from XXXX XXXX XXXX dated X/XX/2015. I have supplied them with the police report and identity theft affidavit and they continue to refuse to remove said inquiry. They continue to tell me to contact XXXX XXXX XXXX however they themselves even removed their inquiry after I supplied them with the exact information I provided to Exeter Finance. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy This will be my last attempt before seeking legal counsel.
12/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 290XX	Web
Exter Finance has been disputed and contacted several times for incorrect credit reporting. The account was XXXX. in full for the settlement amount however on each credit bureau it is reflecting incorrect information. For example past due amount, closed account, delinquent, original agreement was account would be paid to delete. After account was P.D. on amount agreed and letter would be sent as proof and account would be removed however account still reflecting not only incorrect information but after terms have been meet still showing on Co owner and my account. After speaking to several representatives and several disputes account still reflecting.
08/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30041	Web
I applied for a loan several months ago which was denied. Since then loan solicitors harass me 20 times per day. I usually hang up. I believe one of them used my info for fraudulent inquiries which I did Not authorize. This is the second time this has happened. The 3 most recent occurred on XX/XX/23 from XXXX XXXX, XXXX XXXX and Exeter finance on XX/XX/23 there were 2 occurrences from XXXX XXXX, and XXXX XXXX I believe all 5 of these inquires are due to solicitors who are upset that I refuse their calls or hang up on them. I am requesting all 5 be removed from my all of my reports and I would also like to file a fraud case pending an investigation
07/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 941XX	Web	Servicemember
Exeter XXXX has been changing account payment history information for the worst since XX/XX/XXXX. They have reported XXXX days late, XXXX days late, and XXXX days late twice on my credit reports since account closure sending my credit score plummeting to the low XXXX from a XXXX, usual credit score. This account has been closed and paid-off since XX/XX/XXXX for the full amount by my insurance carrier, XXXX XXXX XXXX. Account due date they said was on the XXXX of every month.Not even XXXX days after account closure a XXXX days late, XXXX days, and XXXX days late payment in account history has been noted on my account as well as a charge-off status.
09/01/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	NJ 08046	Web
My car is a XXXX XXXX XXXX only 60k miles on it and the car will not operate and the dealer can not find what is wrong with it. This issue is apart of a class action settlement but they will not give me a rental or any assistance for me and my XXXX children. It has been 3 weeks and I am still paying a loan payment of {$660.00} a month so I can not afford a rental or XXXX for the XXXX of us. My car insurance or XXXX said I can not get a rental. XXXX said I have to be in an accident and XXXX said they do not help with this kind of problem unless its a factory part covered under warranty but they do not know the cause to know if its warranty covered
09/28/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 77067	Web
Exeter Finance fraudulently increased my account balance with the credit bureaus without my knowledge three ( 3 ) times in 2 weeks causing a morbid drop in my credit score all while having good payment history and paying as agreed to my contract. When I disputed the charges, Exeter retaliated by increasing my account balance {$200.00} with credit bureaus causing a 105-point drop in my credit score ruining my purchase power. I was never made aware of the {$200.00}. Exeter does not keep accurate records and submits fraudulent information to credit agencies. Exeter Finance has violated their signed agreement as well as the Fair Credit Reporting act.
12/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 334XX	Web
In accordance with the fair credit reporting act Exeter Finance LLC account # XXXX XXXX USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment or a credit card account under an open end consumer credit plan as late for purpose. The company informed me that my due date is on the 29th of every month and they report on the 30th of every month. But when making a payment within my 10 day grace period the reporting cant be changed due to the date of reporting.
12/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 468XX	Web	Servicemember
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604a section 2 also states a consumer reporting agency can not furnish an account without written my written instructions ). Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. My Exeter Finance and XXXX XXXX Credit Card accounts are being reported as late multiple times on my XXXX, XXXX and XXXX reports. Please update as paid as agreed for all late payments on all three accounts.
01/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07202	Web
Inquires on my XXXX credit report direct tied to Identify Theft. Police Report and FTC Affidavit have been submitted sever times over the past year. XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020 XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX, 2020 Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020 XXXX XXXX XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020 Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020 XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020 XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX 2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020 XXXX ( XXXX ) XXXX
12/12/2020	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	FL 338XX	Web
Exeter finance and XXXX XXXX XXXX submitted fraudulent documents through courts and lied about properly serving me at my home when i was out of the city. I send both exeter finance a demand letter and their attorneys to remove all negative courts dockets including court fees and fines and also to remove all negative regarding to do eith this car account from c re dit bureaus. I attached proof showing their illegal tactics and how i forced them to reverse illegal court dockets. This will be my last attempt before i file lawsuit against exeter finance. They need to remove from bureaus exeter finance corp account by XXXX or i will file a lawsuit.
11/28/2017	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	CA 91784	Web
On XX/XX/XXXX a cashiers check for {$11000.00} was mailed to XXXX XXXX XXXX from XXXX XXXX XXXX to payoff my auto loan. They recieved the check and cashed it on XX/XX/XXXX. XX/XX/XXXX an additional payment of {$500.00} was sent from my checking account automatically by XXXX XXXX XXXX. At this time, the loan is paid off, but Exeter has not returned the {$500.00}. I have called the company on several occasions. The company admits they owe me the money, but does not seem to be able to return it to me in a timely manner. The offshore call center customer service is a collection center and is ill equipped to help customers with any other problems.
08/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30338	Web
I have repeatedly sent proper paperwork to have this debt that I did not authorize be removed from my credit report as well as sending proper paperwork including a notarized affidavit, an XXXX XXXX profile, police reports stating that I am a victim of identity theft to the actual creditor which is Exeter finance Corp & the credit bureaus. This said documentation was sent in XXXX XXXX XXXX & now I am reaching out to them again. I am picking up a police report from XXXX XXXX XXXX and will be sending out another affidavit. Id theft report and police report to Exeter finance Corp. and the credit bureaus because this is ridiculous! I have rights!
11/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19134	Web
Recently, I have received my credit report and seen that I had 9 hard inquiries that I have not filed applied for. Which are listed below and all of these are for an auto loan which I did not applied. I tired contacting all companies below with dispute letter, asking them to remove the hard inquiries the companies had added to my credit report and I have not received a answer back or nothing has changed on my credit report. XXXX XXXX XXXX - XX/XX/2017 XXXX XXXX XXXX XXXX - XX/XX/2017 XXXX - XX/XX/2017 XXXX XXXXXXXX XXXX - XX/XX/2017 XXXX XXXX - XX/XX/2017 XXXX - XX/XX/2017 XXXX - XX/XX/2017 EXETER FIN - XX/XX/2017 XXXX XXXX - XX/XX/2017
10/10/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	WA XXXXX	Web
RE : Creditor is falsely and misleading the amount owe on recent balance on my credit report. In a recent dispute with XXXX, Exeter Finance Corp stated the recent balance was updated to {$6400.00}. They also verified that the information they are reporting was verified. How is this possible? You are allowing this company to furnish an incorrect balance. The balance needs to show {$0.00} because this account was paid in full by the asset protection insurance attached to it. Please correct to {$0.00} or delete this account immediately. The account is charged off. This is a false and misleading tactic used by the creditor and is it illegal.
04/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 48091	Web
A company representative from this company informed my that since they received in excess of XXXX by XXXX on my account that I need not send a payment in. I expressed by concern that I had a perfect payment history with them and could not afford to have a derogatory mark posted to my credit report since I am in the midst of having a home built. I was assured that this would not be the case. When they posted the derogatory mark to my credit report, and I called back in to complain, the representative was upset that I was given this information and said this matter could be resolved by someone who has the authority to fix my payment history.
11/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 708XX	Web
Dispute letter have been sent out regarding the debts in question, have received any documentation within the 5 days stated by law. I am a human being my name is XXXX XXXX, I feel totally disrespected bu the credit bureaus. i have a right to privacy. I also have an issue regarding Investigation Consumer Report, once something has been deleted it cant be placed back on my report unless some confirms it as being accurate. So who confirmed the accuracy and whom did the credit bureau speak with concerning the Investigation of Consumer Report. I never authorized the Inquiries on my credit report. My information appears to have been comprised.
06/22/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	MO 63640	Web
On XX/XX/XXXX we went to XXXX, they ran our credit and provided us a loan option from Exeter finance for XXXX percent. They provided our credit scores of XXXX and XXXX for both of us. we took possession of the vehicle. Approximately 1 day later we had found out the scores exeter used to provide the loan were in accurate. We have scores of XXXX, and XXXX from XXXX and XXXX, and received that information on the same date and time of loan request. We contacted exeter who told us to contact XXXX, who in turn told us it was an Exeter issue. Exeter at this time is not responding and is charging a higher apr then it should based on information.
07/02/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	TN 38024	Web
In XXXX, XXXX I financed a XXXX XXXX XXXX with Exeter Finance. I purchased gap insurance through XXXX and maintained full coverage auto insurance on the vehicle. In XXXX of XXXX the vehicle was totaled in an automobile accident. My auto insurance through XXXX paid their amount fairly quickly and left a balance on the loan. The gap insurance through XXXX took over a month to pay and only paid a portion of the remainder balance. The balance remaining is mostly fees and interest. Exeter refuses to work with me on fixing the negative damage this has done to my credit. They immediately changed off the debt which did considerate damage to me.
01/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44129	Web
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, XXXX, EXTER FINANCE and XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
06/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60446	Web
Finance company are false reprting informstion on my credit report. This is the second time and as you can see from my credit report I havent made any payments late. I recently spoke to an associate by the name of XXXX and he had a very unprofessional attitude and immediately after I got off the phone my vredit score reported something negative. I have proof of my payment history and also me not having any late payments but all of a sudden after I contact tbem for a payoff on the vehicle this happens. I kmow that thid is related to my telephone conversation because I received an email alert this morning pertaining to a late payment.
09/18/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	TN 37128	Web
Notice Of Cease & Desist Title 15 U.S. Code 1692c To whom it may concern, this is also a notice to cease & desist. Violating this code is a Violation of the FDCPA. EXETER FINANCE CORPORATION will be civilly liable under Title 15 U.S. Code 1692k if EXETER FINANCE CORPORATION failed to abide by my cease & desist order. Me XXXX XXXX. My Demands : Entire file on me XXXX XXXX All Documentary Evidence on me ( includes all documents, papers, correspondence, books of account, and financial and corporate records. ) Remove inquiry from all credit reporting agencies XXXX XXXX credit application Respectfully XXXX XXXX, Consumer/ Natural Person
08/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48601	Web
You are in Direct Violation of The Fair Credit Reporting Act ( Exeter Finance # XXXX ) has violated several of my rights. 15 U.S.C 1681 Section 602 A Clearly states that I have the right to privacy. 15 U.S.C. 1681 Section 604b A Section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions. 15U.S.C. 1666 B ; A creditor may not treat a payment on a credit card account under an o open -end consumer credit plan as late for any purpose. Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
03/07/2016	Yes	Credit reporting	Improper use of my credit report Report shared with employer w/o consent	MD 21921	Web
I reported with XXXX that someone used my social and name to try to get a loan in my name. They would n't help me. They said since the loan was not approved that I should n't worry. My credit score is low to begin with and now it dropped even lower. This company is based in XXXX and I live in XXXX. I have never even traveled to XXXX. They only took my name down, did n't take my phone number, or my social. I want to know who is out there using my social and my name. They could do a lot with that information and I 'm very worried due to the fact that I 'm trying to build my credit to get mortgage a house soon. Thank you for your time.
10/12/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Loan sold or transferred to another company	CA 90804	Web
I don't have a contract with Exeter Finance LLC. on XX/XX/2023 I asked for the original contract and an audit trail of all accounting including the source of origination from where the lawful money was taken and given to me, I was not given any type of paperwork that I have requested. I feel there may have been a mistake because they didn't give me anything of value therefore, I don't owe them anything. I wish not to be harassed any longer and I wish that they release any liens from my property ; I was forced to make complaints to the Attorney General, XXXX XXXX XXXX XXXX, the FDIC and the Office of the Comptroller of the Currency.
11/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 44128	Web
On XX/XX/2022 XXXX XXXX XXXXXXXX XXXX ran my credit without my permission. so Now i have inquiries from them that I did not ask for. Also, On XXXX and on XXXX XXXX XXXX XXXX XXXX ran my credit without my permission. Also, on XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX company that ran my credit without my permission. Also, on XXXX XXXX XXXX XXXX ran my credit without my permission. According to the FCRA states that credit inquiries made without " permissible purpose '' can be removed. Additionally, the FCRA states you can sue for damages in the amount of XXXX for each instance a company pulled your credit report without your permission.
05/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 35235	Web
In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USC 1681 Section 602 states i have the right to privacy 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account withouth my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
03/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78665	Web
In 2018 I had an account with Exeter finance and then totaled the car that I had with them my insurance paid most of it but the XXXX XXXX paid the rest and I have the documents to prove that. Also every time I try to dispute it, it comes back updated as if its a current charge off and thats really affecting my credit and my life. I cant get a new car or any loan because of this inaccurate and illegal use of my information. Pursuant to 18 USC 8, owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my infq, pursuant to 15USC 1681 4
06/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL XXXXX	Web
I received an alert on XX/XX/2022 of an inquiry that I did not consent I quickly contacted the company and spoke to someone asking how was an inquiry placed on my credit report without my consent. I was told that I was shopping for a vehicle and I have no understanding on how this inquiry was added to my credit file because I am not shopping for any vehicle loans and havent ever since. This is a fraudulent inquiry and it should be investigated and removed. I have not given my consent digitally verbally or in writing to place inquiries on my consumer report there for that is a violation of my privacy rights and without consent.
08/04/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 33025	Web	Servicemember
Exeter Finance Corp is in violation of my consumer protection rights 15 U.S.C. 1692 ( g ). They were to notify me of this debt in writing 5 days prior, I was not. As the consumer, I feel like they have caused defamation against my credit and my name. This is what this company, Exeter Finance Corp, has done to my credit profile. They auctioned the vehicle for {$20000.00}, they did a tax write-off for {$29000.00} and then they sold the debt to a collection agency by the name of XXXX XXXX XXXX XXXX. exter finance still report updates on my credit file XXXX which on my credit profile the loan was processed XXXX i need you're help
08/30/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Loan opened without my consent or knowledge	MN 55122	Web
Ive done everything in my power to prove this account is and was fraudulently opened a vehicle was obtained in my name as a co-signer I have a police report as well as a identity theft complaint affidavit which I provided however its been denied and theyre coming after me the victim for {$30.00} this is ridiculous Ive NEVER had a loan in my whole XXXX of life but they believe I would wake XXXX day and co-signed for a vehicle for someone else is insane!!! I need help and I need immediately please my children are effected by this we are getting denied housing because my once perfect credit score has been destroyed completely.!!
02/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 324XX	Web
I recentlt reviewed a copy of my credit report and noticed the following information regards inquiries to be an error. According the the fair credit reporting act states what instiutions are allowed to pull credit. The following inquiries are not related one of the allowable purposes as i have reiterated from the fair credit act ; XXXX ) .XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) .Exeter finance LLCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) .XXXX XXXX XXXX XXXX XXXX .XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) .XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) .XXXX XXXX XXXX XXXX
02/21/2020	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	IL 60477	Web
XX/XX/XXXX Exeter finance stole my, XXXX XXXX XXXX XXXX XXXX Automobile out of a driveway in XXXX XXXX, Illinois. I tried to resolve this with the company, but they have threatened and ignored all of notifications. I have sent several notices to Exeter finance regarding the automobile. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have contacted Exeter explaining to them not to steal my property. I requested for them to stop harassing and Threatening me. I sent several notices to them explaining to them they were breaking the federal law and they continued to harass me and my family members.
05/10/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60473	Web	Servicemember
I last made a complaint in reference to consumer finance in XXXX 2017 for complaint # XXXX which exeter finance said they would buy back the loan and report the loan paid and settled sine they never properly notified me of the sale of the vehicle and it is still reporting incorrectly as if i owe the full balance it has been well ov er 45days therefo re it sho I ld be removed for being incompliant and not reporting correctly. I have called them several times about this situation to resolve and they still have not reported correctly. In there last response to cfpb they stated it would be bought back reported correctly.
07/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 331XX	Web
hello this account is invalid because the date of last payment is completely inaccurate XXXX and XXXX say it was on XXXX and XXXX says that the last payment in the account was in XXXX the fair credit reporting act established that all the accounts reported in a credit report have to be 100 % accurate and verifiable if it is not it have to be removed from my credit report EXETER FIN reported this account but the information is completely inaccurate. I have already sent letters to XXXX about this account but I did not have any type of answer from them this is a violation of my rights as a consumer, please removed this account
04/02/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 31069	Web	Servicemember
I purchased this vehicle in XX/XX/2019. The dealership had improperly charged me for gap insurance and a service plan. They eventually refunded the amount directly to the loan company in the amount of {$3400.00}. My account is paid ahead about 8 months and this company is trying to charge me a late fee. They are still making me make payments even though the account is paid ahead. I contacted them and they just tell me they only applied the amount to the principal and made no changes to my monthly payment. Why? Again the account is paid ahead and with all that is going on with the coronavirus this company refuses to help me.
04/24/2023	Yes	Vehicle loan or lease Lease	Getting a loan or lease Fraudulent loan	LA 711XX	Web
I recently pulled my credit report and noticed that a loan was there in my name for an Exeter Finance Company for {$3800.00} which I have never had after contacting the credit bureaus they gave me information on who was reporting this. I disputed the information and gave them my information and was asked for an FTC report for Identity theft which I filed on XXXX then I was asked for a Police report I sent it via certified mail and via email that report number XXXX they called me on XXXX telling me I was responsible for this debt per their investigation. they sent me copy of a contract with an address I have never lived at.
03/03/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	GA 30458	Web
Once again XXXX Finance company had place excessive fees, interest on a vehicle loan that i have been struggling with for nearly 7 years. I recently discovered that XXXX has been excessively adding interest to the same loan that was opened in XX/XX/XXXX. XXXX states that the balance owed on the XXXX XXXX XXXX is XXXX. I have struggled with this high interest loan since XXXX at XXXX monthly. Some payments were missed due to economic inflation. However, XXXX is continuing to add excessive fees and interest on the vehicle loan extended the life of the loan for another 2 years bring a XXXX car to a near XXXX price. Please Help
07/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 76112	Web
I still have hard inquiries that need to be off my credit reports. This is getting ridiculous that I have sent multiple letters. These are old inquiries, please take them off my credit reports. It is making my credit look bad as I'm trying to purchase a home. They should be off by XX/XX/2022, that is XXXX XXXX XXXX. NOT XX/XX/2022. They were also not suppose to even be on my credit report as XXXX XXXX XXXX submitted all these car dealerships/banks without my consent. This is against the law. All I want are these hard inquiries to be deleted like they are suppose to be. I am begging you to have someone delete them! PLEASE.
07/03/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	WI 53142	Web	Servicemember
On XX/XX/2019 i spoke with my auto loan company ( Exeter Finance ) to request that i start receving detailed statement to show how my monthly payments are applied I.E total payment to interest to principal. they stated that they dont offer that type of statement .when i stated that it was a violation of u.s federal law and the banking regulatory act and that i needed to be provided a detailed bill every month. they stated that they will have to look into that and i would have to call every month if i needed something more. which is an inconvenience for me since i am in XXXX and have limited access to internet and phone.
02/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 150XX	Web
Exeter finance had first date of delinquency as XXXX-XXXX then so they could keep this account on my credit report longer they changed it from XX/XX/XXXX to now XX/XX/XXXX. This violates my rights under the fair credit report act as I was late since XXXX-XXXX and Never brought the account current. I did defer some payments after the fact of being charged late fees as my account was still considered late. This company has already ripped me off of charging me 32000 or more and still trying to collect almost {$15000.00}. They are a scam and I want this removed from my report as they cause me damages and have them fined
08/11/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	CA 93313	Web
I contacted Exeter Finance regarding Account # : XXXX on XX/XX/2021 requesting all the documents regarding the repossession they are reporting on my credit report because I never received any documents. I still have not received a response. I have attached a copy of the original letter and proof of delivery. The balance being reported on this alleged debt has been waived by the creditor. The balance should be listed at {$0.00} due to the creditors failure to comply with UCC 9-616. Please correct this information or delete it immediately. It is a violation of the FCRA to knowingly report or furnish false information.
10/15/2017	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	FL XXXXX	Web
Exeter finance has continuously changed the status of a mark they have placed against my credit report from In collections to 180+ days late and back again to the status of In collections in order to consistently damage my credit report. This sequence has been going on for several months and Exeter finance is quick to respond to my credit dispute as if the status is valid with each monthly change. If the debt is in collections please validate the date and mark it with the correlating status. If this pattern continues I will be forced to move towards legal action as this is an unethical tactic from your organization.
12/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77090	Web
According to 12 CFR Part 1026 ( Regulation Z ), the finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. It does not include any charge of a type payable in a comparable cash transaction. The finance charge assessed by the company at the time of signing documents includes any charge payable and imposed. Due to this fact, I any and all late marks found on any of my consumer credit reports by the company should be corrected.
07/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30046	Web
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
12/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11235	Web
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, EXETER FINANCE CORP add a hard inquiry on my credit report per XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
02/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60610	Web
received a credit inquiry on XX/XX/2021, XX/XX/2021, from EXETER FINANCE CORP . I absolutely have no idea who this company is and why they are on my credit report. I have attempted to contacted them via mail on XX/XX/XXXX, XXXX XXXX, 2021 and XXXX XXXX as of today I have not received any response from this company as to who they are and why they thought it was acceptable to attempt to pull my credit or pull my credit. I DO NOT KNOW THIS COMPANY AND I DID NOT GIVE AUTHORIZATION OR PERMISSION TO PULL MY CREDIT. I HAVE ATTACHED A COMPY OF MY POLICE REPORT AS IT APPEARS THAT MY IDENTITY MAY HAVE BEEN COMPROMIZED.
05/24/2018	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	GA XXXXX	Web
The debt collector and the credit agency are in direct violation of the FCRA. The debt collector did not send proper documentation notifying me of the debt or me right to dispute. Several written notices have been forwarded to both the debt collector and the credit agency. The debt collector and the credit agency have failed to show legally DOCUMENTED proof that a notice was sent. In an effort to continue to falsely collect on a debt I do not owe the debt collector and credit agency are reporting erroneous information. Also, the debt collector has violated the FTRA by not properly reporting valid information.
11/29/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85323	Web
I am a victim of identity theft. The inquiries, which appears on my credit report from Exeter Finance datedXX/XX/XXXX/2017 does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted these companies individually and have not received any reply back.
05/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37207	Web
These accounts no longer mine. According to 15 USC 1605 ( 5 ) it states that the insurance protecting the creditor against the obligor 's default or other credit loss, this is clearly violation of the law to to report with profit loss write off. I am formally requesting a copy of any documents, bearing my signature, showing that I have a legal binding contractual obligation to pay you, I am requesting you to sent the wet ink contract bearing my signature to be sent to me upon receiving this letter. ORIGINAL CONTRACT PAYOFF DISCLOSURE INTEREST RATE DISCLOSURE BALANCE HISTORY PAYMENT HISTORY CREDIT INSURANCE
12/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33884	Web
On XX/XX/2018, Exeter Fin. pulled my credit report without my permission. I tried and tried to resolve this issue with XXXX and Exeter Fin. but they are blaming each other but not resolving the issue of removing the inquiry. The dealership also tried to reach out to them about this unauthorized inquiry but they never responded. Attached is a copy of the letter from the dealership stating that the unauthorized inquiry is done without my permission. They allowed one of my family member fill out a application with my name, social security number and date of birth without my authorization and Driver License.
12/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91367	Web
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, EXETER FINANCE add a hard inquiry on my credit report. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
10/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75149	Web
I Received my credit report showing a inquiry from Exeter Fin on XX/XX/18 showing I applied for a Car loan. 3 years ago, I was a victim of identity where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any Car loan, and this remark on my credit is causing many issues for me applying for a home which is affecting my score. I did not give this company permission to run my credit for any means necessary. I do not have any means of applying for a car loan as I am a single mom and could not afford and other dept The item is inaccurate, misleading, or incomplete, may have violated federal law..
07/18/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NY 130XX	Web
XX/XX/XXXX I financed a car through Exeter finance company XXXX XXXX XXXX XXXX miles Percentage rate 23.11 % Finance charge amount XXXX Amount financed XXXX Amount of at end of term XXXX The itemized account statement shows 4 months of XXXX going toward the principal Each amount going to principal is different XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX At some point they said I pd XXXX NEVER did they alert me via Mail or phone they have charged me 5 months with late fees of XXXX I called to get an explanation of this and they talked in circles I asked for management to call me and yet no call ever received
09/23/2019	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	LA 70118	Web
On XX/XX/XXXX, I disputed XXXX XXXX XXXX in the amout of {$11000.00} and XXXX EXETER FINANCE is the Original creditor. As a result they listed the date that I disputed the account as the day the account was opened. In order for them to keep this on my ports for the next seven years or more. XXXX XXXX XXXX Last reported XX/XX/XXXX {$11000.00} Open balance XXXX EXETER FINANCE Original creditor XXXX Opened XX/XX/XXXX ( 1 yrs, 10 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX EXETER FINANCE
06/20/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	GA 310XX	Web
My family and I have made on time payments every single month. These payments which total to {$290.00} per month have not in any way affected our overall balance EXCEPT by {$63.00}! Out of {$580.00} only {$63.00} has been put towards the actual balance. With an original amount financed which proof is included in the photo of {$9500.00} out of {$580.00} our balance is {$9500.00}. I have attempted to talk to these people Exeter Finance and refuse to deal with the ignorant misleading and predatory lending company that this is. I have read NUMEROUS reviews on this company regarding the exact same issues.
02/12/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	TX 75006	Web
Loan was refinanced away from Exeter finance to my own private credit union, XXXX XXXX. Exeter sent a letter to the dealership directing them to send my refunds for both gap insurance which was for {$790.00} and XXXX XXXX insurance in the amount of XXXX be sent directly to them. They from the gap insurance refund deducted {$82.00} from that check which they sent out to me and from the XXXX XXXX insurance deducted {$36.00} from that check and for no good reason holding that check until XX/XX/2021 in case as they say something else come in on the account even though the account is closed and paid off.
03/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30101	Web	Servicemember
Exeter finance placed a fraudulent account on my credit report, I demand Exeter finance remove this account immediately, this account is not mine I am sending a letter of demand to remove this account or i will seek legal action Exeter finance for violation my my consumer rights, im filing this complaint against Exeter finance because Exeter finance has used my information to establish a fraudulent account in my name, in future reference I will sue Exeter finance in arbitration and will demand arbitration to resolve this matter if ignored, this account is not mine so remove this and close this matter
08/22/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	IN 46256	Web
I have spoken with the company and they have deferred the loan for me which just extends out the time also its more of a predatory lender situation due to damaged credit, of course my score is my fault but to be taken advantage of by high rates and payments to know now Ive paid way over the value of the loan its self with fees and such. They dont try to refinance or lower monthly payments Ive asked in the past. Its Exeter Finance and if I had known how they would effect me I dont think I would have allowed myself to even get the car. Its been years my car should now be paid off and its far from that.
11/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 10562	Web
Hello, good evening, I want to inform that there are several companies that are reviewing my credit history, I have called each of those companies but nobody answers me, I had to call XXXX so that they can cancel and start an investigation but they ask me for this certificate that I am doing it. Now please I do not authorize anyone to review my credit bureau and they are doing it only in one day they have reviewed about 10 times and I do not authorize any of those companies like XXXX XXXX XXXX and some others. They started asking for my credit history from the XXXX and today the XXXX of XX/XX/2020.
10/28/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	WI 54481	Web
I was originally financed for a vehicle through a company called Exeter Finance. I recently refinanced with XXXX XXXX XXXX XXXX. XXXX XXXX sent the check out XX/XX/2021. It was cashed and deposited XX/XX/XXXX XXXXExeter is saying they have not received the check. It has clearly been cashed by their company. We sent it to the correct address made out to Exeter Finance. The cashed copy shows that the check was not tampered with. Customer Service has been unhelpful and unwilling to let me talk to management. My account with them remains open even though they have recieved {$13000.00} for the payoff.
03/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19149	Web
The following inquiries are on my Credit report, I have not made these inquiries and are requesting them to be removed. I have sent 4 letters for removal to XXXX, XXXX and XXXX and these have not been removed.This is hindering my ability to gain approval for a home and relocate my family to safer area : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX EXETER FIN XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
07/20/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33647	Web
We currently cant come to and agreement due to the contract fraud that XXXX XXXX XXXX XXXX XXXX provided to me, so call on the behalf of Exeter finance.Deceptively just coming into the knowledge of contract I realized the car was payed for through my signature as well as my social.I also investigated the fact that there is no date where they randomly appear on the so call contract They also send a police to a civil matter while trying to pull a repossession in which the police even realized they were wrong because they breach the piece of my home with neighbors all watching.which is illegal
01/09/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94549	Web
I was a victim of an identity theft ring who broke into my storage unit in 2015. Shortly after they created multiple shadow identities and secured a loan through XXXX XXXX. When I checked my credit after a notice of charge off I immediately researched and they had a copy of my ID and all my information from files stolen in that unit.They leased an apartment in my name and opened multiple credit cards. I have been attempting to resolve this collection filing complaints with all three credit bureaus and filing two police reports. There has been no cooperation from Exeter at all on this matter.
11/09/2021	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77450	Web
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports I have been patiently waiting on the Credit Bureaus response to the written requests I sent regarding EXETER FIN. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
06/12/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	OH 441XX	Web
I have notified this debt collector of the illegal actions they have been taking in regards to my installment credit sale I created on XX/XX/XXXX. This company is still falsely reporting to my consumer reports thru XXXX, XXXX and XXXX derogatory information which is hurting me in finding a new home. I have sent a debt validation letter XX/XX/XXXX, XXXX in which they failed to send the correct validation of this alleged debt. On XX/XX/XXXX after over 90 days of them still inaccurately reporting I asked for the name and address of the ORIGINAL CREDITOR and have not heard anything back yet.
10/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WI 53546	Web
I am writing in regards to reporting issues with this closed account on my credit reports. There are serious errors in reporting on each bureau that clearly shows different payment history on each report which has directly affected my credit standing. This has been challenged multiple times and continues to not be updated by the bureaus despite being sent the reports of the inaccuracies. Per the FCRA this is a clear violation in reporting accuracy. I want this account removed immediately from my credit reports due to inaccurate reporting and the decline of my score that has came with it.
03/01/2017	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	TX 75219	Web
This company made inquiries to my credit report. I did not authorized the dealership to contact this company for credit approval. in many cases the dealership was told in writing not to do so. These companies were sent letters disputing the inquiries and told me to contact dealer. I disputed with credit reporting company and they told me to contact the credit company who requested my credit report. Either way this company should not have pulled my credit report and have over XXXX inquires on all XXXX credit reports. I want their inquires removed. SSN : : XXXX DOB : XX/XX/XXXX1970
04/06/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	OH 44118	Web
XXXX paid XXXX towards principal XXXX talked to Exeter representative XXXX paid {$550.00} towards principal XXXX paid XXXX monthly payment due the 14th day of each month XXXX Spoke to Exeter representative XXXX XXXX I spoke to numerous Exeter representatives about my account to make sure my payments were applied right, as I could see on my account they were not. XXXX paid XXXX monthly payment. XXXX Spoke to Exeter representative asking for a valid invoice from XXXX, as I had not received a billing invoice that shows my payments & how they were applied to my loan. I am being robbed!
04/08/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 77338	Web
Exeter Finance is my loan company. I made a payment of {$1000.00} on XXXX and wanted it applied to principal only, aside from my payment that was due on XX/XX/30, that was paid on time as well. I called on XXXX to make another {$1000.00} payment and again asked for it to be applied to principal only, again, aside from my regular payment due on XX/XX/30. This finance company refuses to take my additional payments and post to principal only. They say they are obligated to take this as a regular payment and only a portion with be applied to principal just as the regular payments are done.
12/13/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30106	Web
XXXX is reporting a charged off account whose first delinquency was XX/XX/XXXX. They have not indicated on my report when the account will be removed yet the two other credit bureaus are removing the account in XX/XX/XXXX. At the latest this account should be deleted by XX/XX/XXXX. Ive disputed multiple times and XXXX continues to report inaccurately. The date of Status is from XX/XX/XXXX so I dont believe that they are contacting Exeter regarding my disputed. Usually when a dispute is submitted, the date of status is current. The date of status they are reporting is from 2 years ago.
08/27/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	AZ 85015	Web
( 15 U.S.C 1635 ) DID NOT give full understanding DISCLOSURE, I FEEL THEY TOOK COMPLETE ADVANTAGE OF MY SITUATION KNOWING I HAD A SIMILAR EXPERIENCE AT ANOTHER DEALERSHIP A WEEK BEFORE COMING TO THEIR DEALERSHIP NO DISCLOSURE VIOLATIONS SUM OF ALL CHARGES INCLUDES 1 ) CAR VALUE ( DID NOT INCLUDE ) 3 ) INSURANCE : allowed me to drive off the lot with no insurance 4 ) WARRANTY ___________________________________________ 5 ) HAD TO PAY OUT OF POCKET FOR SERVICES ON THE CAR ( OIL CHANGE ECT. ) 6 ) {$500.00} DOWN IN THE CAR XXXX ) SIGNATURES AND DATES ON BOTH COPY AND ORIGINAL DON'T MATCH
08/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Received unsolicited financial product or insurance offers after opting out	CA 90250	Web
Regarding inaccurate Hard Inquiries that had been run into my credit report without my acknowledge or permission. I have Identified herein the items that I am disputing ( Identify as Disputed items ) here is the company name. I never signed or had a record voice given my permission to run my credit and affect my credit with a Hard Inquiries causing my to reject me to any application for a loan or a credit card application. My Credit profile is clear and As personal statement ( ALERT : FRAUDULENT APPLICATION CALL BEFORE RUNING THE CREDIT. ATTACHED YOU FIND A COPY OF MY STATEMENT.
10/22/2015	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	VA 22408	Web	Servicemember
XXXX/XXXX/2015XXXX XXXX XXXX XXXX VA XXXXRe : Unauthorized Credit InquiryDear Creditor, I recently received a copy of my XXXX and XXXX and XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from both credit files because it is making it very difficult for me to acquire credit. Send us written authorization that gave you access to our credit files. SS # XXXX XXXX XXXXSS # XXXX XXXX XXXX
12/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29360	Web
I had a car with Exeter Financial Corp that had a remaining balance. I contacted them and they gave me their debt collector information, XXXX. They agreed on a settlement amount of {$1000.00} and the debt would be resolved and removed from reports. I paid the settlement in full XX/XX/2020 and was told it would be updated 30 days. However, the account from Exeter is still showing delinquent on all 3 credit reports. This account is hurting my good credit standings tremendously. I've reached out to them several times to update this information but still have not received any updates.
07/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA XXXXX	Web	Servicemember
I requested and reviewed my credit reports from all 3 credit bureaus. I found that all 3 credit bureaus are reporting my car loan balance to be incorrect. I contacted my loan company and we both verified what the correct balance should be. I disputed the inaccurate information twice and twice the credit bureaus are not updating my consumer credit reports with the correct information. All 3 credit bureaus are reporting that my Exeter Finance balance is {$27000.00}. I contacted Exeter Finance by phone and the representative and I agree that the balance on my account is {$27000.00}
03/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 48221	Web	Servicemember
I traded in my XXXX XXXX to XXXX XXXX of XXXX XXXX, MI in XX/XX/XXXX. They requested a payoff from Exeter and issued a check and I recieved my new vehicle. For some odd reason 2 years later my credit is being terrorized with 30 & 120 Day lates. Each time Ive called them they admitted to the mistake and said it would be corrected in 30 days to no avail. They have damaged my credit profile and reputation. Each time I've attempted to dispute it via Credit Reporting Agencies it comes back as accurate. This is my last attempt at resolve before taking legal matters into my own hands.
07/25/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77034	Web
Inquiries are showing more than once on my credit. Some of which I do not recognized. XXXX Inquiry from XX/XX/XXXX Exeter Fin Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX
10/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60440	Web
I've sent letters to all XXXX credit bureaus asking them to verify debts and accounts on my credit report due to inaccuracies i noticed. XXXX weeks later I received letters stating they've verified my credit reports and the accounts however there are still inaccuracies showing on my reports. the following accounts are Exeter Finance XXXX XXXX XXXX XXXX bank and according to the 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
09/21/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	OR 97504	Web
On XX/XX/XXXX purchased a XXXX XXXX XXXX for {$14000.00} Exeter Finance is the lender, payments of {$370.00} per month Had total of 6 months deferred payments since XXXX. Shows late fees for this year of {$25.00}. Balance still due is {$5400.00}. Was given a 10 day payoff on XX/XX/XXXX for amount of {$5700.00}, since XX/XX/XXXX made {$900.00} in payments, that only reduces pay off by {$340.00}. This account is at its mature of the loan .... Interest 23.99 % I feel there are additional fees that I am unaware of and that if that is the case they exceed the federal limit of 18 %
05/28/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	AL 354XX	Web
EXETER FINANCE XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account # XXXX Date Opened XX/XX/2019 Charge Off Amount {$8600.00} My account with Exeter is showing as being charged off with a balance. The vehicle was voluntarily surrendered back to the dealership after it was found that the vehicle was in need of a transmission. I spoke with the sales person explaining my findings about the vehicle, I was instructed to surrender the vehicle and at that time the loan will be closed. I have tried disputing the account several times but haven't received any response from EXETER FINANCE.
11/12/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	GA 30741	Web	Servicemember
I have a vehicle through Exeter finance and I have had bad experiences with the company. The company is very poor at customer service. I had an issue with my car it got reprocessed. They sent the car to XXXX Georgia for auction not even a day after reprocessing it. I called and I paid up to {$3000.00} to get my car back and still had to travel 4 hours to get my vehicle. I called today about my payment for Friday, the first thing the rep brings up is the broken promises on my account. It has just been a negative experience dealing with their customer service and their company.
05/30/2018	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	MI 48911	Web
I never received correspondence from Exeter Finance after the repossession of the vehicle on how to get the car back before it was sold at an auction. I was never given proper chance to get the vehicle back in my possession. It took over two months to retrieve my belongings that were in the vehicle. I then later start receiving calls about the balance of vehicle, which were different amounts. Then I receive correspondence from XXXX XXXX sent a letter stating a {$5300.00} was owed on the vehicle, but is Exeter Finance reporting to CB that over $ 8k is still owed on account.
11/07/2019	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	MS 392XX	Web	Servicemember
XX/XX/2019 I received a threatening call from XXXX XXXX. The representative asked where the vehicle is located? I explained this is an ongoing dispute with Exeter Finance and I have sent a letter advising only written communications. The representative then stated she does not have any records or document from Exeter Finance referring this and then raised her voice and kept asking where is the vehicle? The second call, the representative left a voicemail stating this is an insurance matter for me to return the call, after I stated do not call me only written communications.
08/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30315	Web
As a federal protected consumer these fraudulent accounts arouse from my credit card. This information is incorrect. Persuant 15 usc 1602 ( 1 ) a any card plates coupon book or other credit devices existing for the purpose of obtaining money property labor or services or credit. These accounts are fraudulent as it should be no debt that arouse from my credit account and persuant to 15 usc 1681 a ( 2 ) no factual should be included in my consumer report. As I did not authorize nor give consent. The theft report is attached please look at the dates as they are on the report.
05/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WA 98031	Web
I went to look at cars XX/XX/2019, I sat down spoke with the salesman and discussed my option. They appraised my car and ended up pulling credit. Before I allowed them to pull my credit I asked the salesman how many lenders would be obtaining a copy of my credit report he said 2 or 3 it ended up being 6 or 7 the three credit bureaus. He also stated that if I didnt purchase a car the inquires would be removed after 45 days. I also reached out to the lenders directly to get this resolved and they told me to reach out to XXXX directly and when I did they refused to remove it
05/10/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	SC 29640	Web
We purchased a 2018 XXXX XXXX XXXX XXXX On XX/XX/XXXX for XXXX and being charged a 26.59 % interest rate due to low credit score. Payments are XXXX a month for 72 months and will have paid XXXX XXXX dollars for this car when its paid in full. Outrageous interest rates for subprime borrowers should be illegal and its predatory since neither of our credit scores were that good but this is highway robbery. Even in 2 years we will still owe more than the car is worth and this particular lending company has been sued for predatory lending already. What recourses do we have?
08/02/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	FL 34116	Web
Vehicle was leased from XXXX in XX/XX/2020 for {$16000.00}. Down payment was {$2700.00} been paying {$450.00} a month since almost 3 years try to refinance through company Exeter finance they stated they don't refinance and i have to go through the car lot where the car came from. Ive been getting mislead back and forth thried trading the car in 2 weeks ago car is only worth XXXX then but i still owe {$13000.00} on the car after almost 3 yrs interest rate is 27 % and no car lots will accept the trad in because of the loan and this week the vehicle is worth {$4300.00}.
08/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30135	Web	Servicemember
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
09/09/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NY 146XX	Web
Exeter Finance has reported 16 late payments along with charging a late fee when I have been paying on time since XXXX XXXX XXXX. Ive reached via email as well as by telephone and every time I ask to the rep to speak a Supervisor they say the supervisor is busy or state they cant hear me during the telephone conversation. The late payments stem from payment extension arrangements that send the car note to the back of the auto loan which in return should not report the loan as late. I do have paperwork supporting it should you need more I will be able to provide such.
12/10/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	LA 711XX	Web
This company did not follow XXXX repossessions laws when picking up my vehicle. The vehicle was taken from my home without my consent. The car was taken after payment was made on previous notice and I basically walked out my house with no car and was not given any notice to make arrangements to gather my personal property from the vehicle. I was given no information as to what tow company picked my vehicle up or how I could contact them. My license plate was also taken and not given back. And I haven't received any information on the amount that the car resold for.
05/26/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	LA 707XX	Web
On XX/XX/XXXX, I contacted Exeter Finance to receive a lien release statement bc my title is no longer in my possession and a document is needed from the DMV. The DMV will not create a duplicate unless a lien release document is provided. EF stated that would submit the request for the document and I would receive in 24-48 hours. Here we are on XXXX I have not received any documents. I call them again to receive an update and now they are saying they do not have to provide this to me. My account is paid off and Exeter Finance refuses to provide this document to me.
03/31/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	IL 605XX	Web
Yesterday I called Exeter Financial to request help in suspending car payment this month and adding it back on to end of the loan-to extend the loan longer. During this covid outbreak, I am the only person in my household able to pay bills. They arent helping people out at all. Only waiving late fees. That really isnt helpful as I just need a break for the length that everything is shut down. My roommate/partners business is closed. I am the only one able to pay for anything. I have 3 kids. They have no policy in place to work with us who have loans through them.
02/11/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	DE 19808	Web
EXETER FIANCE HAS VIOLATED MANY OF MY FCRA & FDCPA RIGHTS!!! I HAVE SEVERAL VIOLATIONS I PLAN TO TAKE ACTION UPON!!! NOT ONLY HAVE I BEEN VIOLATED & TAKEN ADVANTAGE OF BY THIS COMPANY. THEY ARE UNLAWFULLY REPORTING & RUINING MY REPUTATION!! VIOLATIONS - DELETING FROM 1 REPORTING AGENCY & NOT ALL - REPORTING NEGATIVE REPORTS TO CREDIT BUREAU - HARSSING COMMUNICATION TACTICS- VIOLATION IN FIANCE CHARGES - THYE ARE NOT THE ORIGINAL CREDITOR " I '' AM - SEZIED PROPERTY NEVER NOTIFIED OF MY RIGHT OF RECESSION - UNLAWFUL SEIZE & SELL OF PROPERTY THE LIST GOES ON!
08/04/2021	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 33313	Web
I always have 100 % payment history I had a car long time ago from XX/XX/XXXXand they repo the car and I was willing to pay to get my car back and exeiter told me its too late but they put it on my credit at first for XXXX $ and after I paid them XXXX XXXX XXXX PUT IT ON MY CREDIT after that and its hurting me really bad I know my right and base on act 616 and 617 if the company close an account they should not put it under my name ever again please remove all DEROGATORY MARKS FOR THIS ACCOUNT this is my last warning OR I will have MY LAWYER take the extra step
09/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33311	Web
In late XXXX XXXX i commenced a dispute of the contract between me and Exeter finance LLC Via an inquiry directly with said company At which point I was under the impression that negative reporting would cease for 30 or at least until There was proper validation of the obligation however XXXX and XXXX immediately reported negative information during this time and they refuse to rectify this mistake after I have reached out to both of them and provided all pertinent documentation of this dispute. Exeter is also refusing to amend the report after several request
10/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 314XX	Web
these inquiries are unauthorized, and they are not related to any transaction made by me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
09/13/2021	No	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MA 02780	Web
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
06/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AZ 85210	Web
XX/XX/2021 I called Exeter Finance and spoke with XXXX with badge # XXXX. I spoke with her about an account and credit inquiry not found in there company database. I asked for an explanation on how the credit inquiry was placed and she could not verify any information with me, but tried to obtain all my personal information to place on file. I asked to dispute the inquiry and to receive a full copy of contract bearing my signature as required by law, but she stated there was no information nor account with my information. XXXX credit report states otherwise.
04/08/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32746	Web
This is the second time XXXX XXXX has reported that I owe a debt to Exeter Finance. I disputed this last year and it was deleted for lack of verification and now it is back on my credit reports with a new date of opening of XX/XX/2018. I have contacted this company twice by phone at XXXX and once by certified letter sent to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, MN XXXXXXXX. It was finally deleted off all 3 credit reports and now it's showing back up as a new debt again. I have never had an account or owed anything to a company called Exeter Finance.
05/27/2016	Yes	Debt collection Auto	Taking/threatening an illegal action Threatened to sue on too old debt	CA 92545	Web	Older American, Servicemember
Exeter repossessed a 2008 ford fusion sold it at auto auction and expects me to pay the total amount of the loan no discount for selling the car. Exeter sold this account for pennies of the dollar to XXXX XXXX XXXX of XXXX New York acct # XXXX wo called me at home atd told me I was a Fn flake who skipped out on my debts. This is n unscrupouls collection agency who has no business calling me. Exeter did not have any business trying to collect the whole amount without any discount they are both recording as a negative on my credit report. only one but not both
04/09/2021	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MA 02780	Web
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
08/03/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	OH 44128	Web
Request signature from Exeter due to telling them account doesnt belong to me. Exeter sent a Truth in Lending act with signatures that are not mine. Due to the issue ive taking possession of the vehicle from my XXXX XXXX due to correcting issue with Exeter due to the attempted to repossess the car after telling them intent to pay if provided loan paperwork. Because I asked from loan paper work they attempted to get a quick fix instead of handling problem civilly or verbally. Repeatedly Ive told representatives to provide paperwork so we can settle amicably.
10/26/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	IL 60901	Web
I have a car loan that had a 6 year term and an interest rate over 22 %. The loan 's maturity date was XX/XX/2023. I have been paying my normal monthly payment by the due date, but most recently XXXX XXXX has stopped taking my payments and said that they will no longer accept " partial '' payments, and want me to pay the remaining balance within 27 days or they are going to default me on the loan. There is approx {$2500.00} left on the loan. In addition, it seems like based on the statements and payments made, it seems like I may have overpaid on the loan.
05/20/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	NJ 07112	Web
I financed a SUV that was originally {$14000.00} but was told that it should have been {$17000.00}. Then because of my credit score ( XXXX ) I was approved by Exeter Finance for {$20000.00} at 28 % for 72 months ( {$620.00} ). This is a total cost of {$45000.00}. Even though I signed was this legal or was this usury?? The dealership is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX. Salesman : XXXX XXXX. ( XXXX ) XXXX XXXX. Maintenance agreement doesn't state specifics. I guess arbitration will be needed!! I don't even have a loan contract number!
04/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	KY 42103	Web
Ive filed a dispute with XXXX, but the company Exeter LLC mailed me that I owed {$9100.00} which on the phone I was told by a sales representative that I owed {$8400.00}. Im contacting the Consumer Finance being that its incorrect information on my credit report. Along, with me never even having knowledge that there was a car under my name until it was completely totaled being that someone used my information to obtain this car. Id hopefully like to get this issue resolved without having to seek out an attorney, but Im filing a complaint for this reason.
03/31/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MO 63139	Web
On XX/XX/XXXX & XX/XX/XXXX, my identity was stolen. Someone tried to get a car in my name, resulting in multiple inquiries being made and affecting my credit score. I contacted the credit bureaus and they put a security hold on my credit report. I also tried to contact the companies that made the hard inquiries on my credit report, but they acted like they couldn't help a victim. My last resort is filing a complaint with every company that pulled my credit information. Please delete the inquiry. I did not AUTHORIZE it/them, and would like them removed.
09/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75287	Web
I have proof that the company I work for made a banking error in our payments and I get paid every XXXX and XXXX of the month. XXXX XXXX was not only given a letter to revoke security interest and liens and repo but I explained to them that I would have made a payment on the XXXX if I had been paid but my job made a mistake. Instead they reported that my account was 30 days delinquent and it is not! I have to move at the end of the month and I need this correct ASAP. Please remove this delinquency as soon as possible. Its not supposed to be on there.
07/12/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	GA 30252	Web	Servicemember
I have been a costumer of Exeter Finance since XXXX. The auto loan company submitted 6 late payments during the year of XXXX that was inaccurate due to my contacting them and making them aware of the late payments due to unemployment because of the COVID pandemic. I was advised on a recorded line that they would accept payments late without reporting it as such to the credit bureaus because of the extenuating circumstances at the time. After bringing this to the companies attention they still have not correct the information submitted to the bureaus.
07/10/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30106	Web
On XXXX XXXX I went to a car dealership for an auto loan, I asked specifically if they would shop it around and was told probably depending on if that lot could secure the loan. I said I did not want it shopped around because my credit score was already low and I had been taking small steps in fixing it myself. needless to say I start getting denial letters afterwards. I called and was told these inquires would n't affect my score but of course found out they did. I also went to a car lot around XXXX XXXX of 2017 as well and the same issue as before.
03/11/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CO 80134	Web
Exeter Finance received an insurance check to be applied to the principal balance of my loan XX/XX/XXXX. The check was cashed on XXXX XXXX 2016 and as of today XXXX XXXX 2016, has yet to be applied to the principal balance of my loan and everyone claimed the check is not able to be located and payment denied. The company continues to charge my account interest based on the former principal balance. I have attempted to resolve this for several weeks, spoken to supervisors and sent a copy of the paid check to Exeter Finance for review and confirmation.
12/23/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	FL 33610	Web
I sent a debt Validation letter, cease and desist letter, affidavit of truth and an invoice to Exeter finance and gave them 30 days to come up with a solution. The contract was fradulent and void. Exeter finanace forged themselves onto a contract between XXXX XXXXXXXX XXXX XXXX XXXX and I. They made the contract void because they use my information without my consent and forged signatures onto the contract. I have a copy of all the violations that were committed by Exeter XXXX and I do have your po box that I will be sending all this information to.
08/05/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	TX 79928	Web
Exeter fiance has only been putting XXXX towards my car payment I pay XXXX a month my payment hasn't even moved in order for me to even see movement I had to put XXXX since XXXX it hasn't even changed the amount I been owing the same amount for 2 years they never have someone to speak to or no answers I'm getting robbed so many people have said the same thing when I saw the reviews I'll never pay off my car they never added the XXXX made multiple times payments I have made at a time no where in my payment history is it shown where is my money going
04/12/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	NY 10466	Web
Contrary to the records held by Exeter Finance, I, natural person XXXX XXXX XXXX, am the original creditor for the transaction involving the XXXX XXXX XXXX on XX/XX/XXXX. Exeter Finance received the authority to be a creditor by extending my open-end consumer credit plan via my credit card. As the card issuer, I issued my credit card to Exeter Finance, where this organization became the cardholder, for the purpose of obtaining property. As the original creditor, the vehicle has already been paid in full by I, XXXX XXXX XXXX, via the finance charge.
05/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 91913	Web	Servicemember
In accordance with the fair credit reporting act, these accounts violated my rights as a tax payer. 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written permission and instructions. 15 USC 1666B states that a creditor may not treat any payment on a credit card account under an open end consumer credit plan as late for purpose. Companies were contacted and refused to fix discrepancies due to dates being pass 2-years.
12/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60617	Web
I sent out two letters to this company stating that there was an hard inquiry on my credit report and need it be removed immediately. The company wrote with the same letter twice and said that XXXX XXXX XXXX XXXX pulled my credit. I called XXXX XXXX XXXX XXXX and ask them to get it remove but no one is willing to remove the hard inquiry. I ask them for proof of my bearing signature of me signing any type of application with this company. Exeter date of inquiry : XXXX, XXXX XXXX XXXX date of inquiry : XXXX, XXXX XXXX date of inquiry : XXXX, XXXX
07/25/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 78641	Web
Late loan payment contact efforts at harassment level. Every day, including XXXX, calls from various agents demanding payment. Up to 6 calls per day and messages left on most of those calls. i.e. XX/XX/22, 6 calls starting at XXXX until last call at XXXX. So, in 3 hours, 6 calls! In one week, 15 calls. Already previously spoken with agents requesting less calls and informing them when the payment would be sent. Absolutely unnecessary and harassing to call that many times per day and far exceeding the legally allowable number of contacts per week.
04/01/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	VA 24401	Web	Servicemember
After reviewing my account it appears that I have made {$5800.00} in payments to Exeter finance. The original amount financed was {$10000.00} my current balance is showing {$10000.00} today. There must be some mistake. A customer made {$5800.00} in payments and the loan decreased {$950.00}. Should I contact the FTC or the attorney general? How many other customers have experienced this type of " lending ''? You will be happy to know that not all of your customers are poor. Some can actually hire an attorney. Please correct my account immediately.
12/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30274	Web
I am writing to dispute the following information in my file. I recently received a copy of my credit report and noticed there is an unauthorized credit inquiry made by the company EXETER FINANCE LLXXXX XX/XX/2022 XXXX To my knowledge, i have not signed any documents authorizing the company in question to view my credit report. this listed inquiry was without authorization, and for no legitimate business reason. Finally, I am requesting that it will be removed immediately from my credit report according to the provisions of 612 ( 15 USC 1681 ).
09/30/2019	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	MS 392XX	Web	Servicemember
I purchase a vehicle from Exeter Finance in XX/XX/XXXX. The loan was for 72 months on approximate {$25000.00} with a 16.9 %. I have been late and had 8 deferred the payments. The loan will mature on XX/XX/XXXX. The company states I still owe {$10000.00}. I do not see how this is possible. I asked for a hardship and to settle the loan but the company refused. I notice over the life of the loan some of my payments {$0.00} was paid toward the balance only interest payments. I do not believe I owe {$10000.00} on a {$25000.00} vehicle 6.5 years later.
07/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33426	Web
Exeter Finance is reporting an account in the amount of XXXX to credit bureaus. The account was charged off in XX/XX/XXXX with a balance of {$13000.00}. The vehicle was sold for XXXX. The cost of repossession was approximately {$1100.00}. The company starting charging interest on the account after it was charged off and closed with out sending me any detailed statements about the interest. The company reported this account in XX/XX/XXXX with an amount of {$9100.00}. They kept charging interest until XX/XX/XXXX when the amount reached {$10000.00}.
01/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MO 63146	Web
I haven't authorized this financial institute personally or a consent. I have requested the lender to investigate and remove hard inquiry from the report. They failed to do that. They have responded that they recieved application from XXXX XXXX. I have clearly stated not to authorize this financial institue to obtain my report. Regardless they have obtained my report and this is seriously causing damage to my credit score and reports. I demand them to remove this hard inquiry which I havent authorized. Inquiry was made on XX/XX/2019 from XXXX.
05/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76112	Web
XXXX XXXX ran my credit with several banks on XXXX. EXETER financial will not take the hard inquiry off my credit report, I sent the letter from XXXX XXXX to them showing that they were not suppose to run my credit, they did not have authorization to do this. Exeter financial sent me the letter attached and told me to contact the dealership, I already have, the dealership wrote a letter and said to send it to exeter financial and the other banks. They wont take it off and I have proof they need to. This is unacceptable and fraud at this point.
12/19/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	OR 97402	Web
Exeter finance gave me a loan when I bought car in 2020 then when XXXX hit everyone was out of work there was no government help and as a 1099 entertainment company there was no immediate help they refused my request for lower payments they refuse to offer any help and I Miss XXXX and XXXX payment they repossessed my car which I've only had a matter of months refuse to work anything out with me even though we were in a complete natural disaster and the car was sold at auction yet they're stating that I owe them like {$7000.00} and I don't
12/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33142	Web
in accordance with fair credit reporting act EXETER FINANCE LLC Account number : XXXX has violated my rights. 15 USC 1681 SECTION 602 STATE I HAVE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE. 15 USC 1681 SECTION 602 AI STATES INFORMATION SOLEY AS TRANSACTIONS BETWEEN CONSUMER AND PERSON ONLY.
03/04/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TN 38128	Web
I made a payment of XXXX to go toward my principle of my vehicle. My car has high interest rate 22 %. I called and made payment of the XXXX and they only applied XXXX toward principle and paid my car note up two months. I specifically told the manger to apply to principle. Now I am calling everyday trying to get them to apply my XXXX to my principle of my vehicle, and they will not adjust my account or apply the XXXX to principle. No response or action done over two weeks now. Everyday my account is cumulative XXXX dollars for interest.
08/14/2015	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	NY 89102	Web
Repeatedly calling XXXX times every day even if they payment have n't been payed XXXX hours after due date and have n't exceeded grays period of XXXX days. Calls are made on Saturdays to even Sundays sometimes. No voicemail nothing just harassing non stop calls non stop its out of limits. Please no one ever accept financing from this company its a rip off i had XXXX credit and they charging me 20 % APR they tricked me they sold me their warranty and made my life miserable. Cant wait to get out of this deal. Stay away from EXETER finance
09/28/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	CA 90804	Web
I XXXX XXXX have been being harassed my Exeter Finance LLC. Exeter Finance sent me a statement in the mail stating that I owe them money on the XXXX of every month for a loan that they gave me. It is a fact that I do not owe Exeter Finance anything. I feel there has been a mistake because they didn't give me anything of value therefore, I do not owe them anything. I demand Exeter Finance to send me the original contract and an audit trail of all accounting including the source of origination from where the lawful money was sent to me.
06/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 770XX	Web
As of XXXX XXXX XXXX, I noticed several fraudulent inquires on my credit report. I have called all 3 credit bureaus to dispute these inquires. Company names are as follow ; XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Exeter Finance, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I have not authorized these companies to run my credit. I was approved through XXXX on XX/XX/2021 for an auto and I made my first payment on XX/XX/2021. I would like for these inquires to be removed immediately, thanks in advance.
04/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78245	Web
I sent this company an identity theft police report from XXXX XXXX County Police Department showing that my information was used for fraud in starting a fraudulent auto loan. The police have arrested the perpetrator XXXX XXXX and shown this proof to XXXX XXXX. Even with proof and a police report stating that my name was used for fraud to start an auto loan, this company refuses to delete this account from my XXXX, XXXX and XXXX credit reports. At this point its defamation and a complete violation of my rights and the FCRA sec 605-609
11/16/2018	Yes	Vehicle loan or lease Loan	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33884	Web
In the past couple months this company allowed someone to use my credit without my permission. I received alert stating that I tried to apply for new credit, which is not true. I tried to dispute with all three bureaus and this company multiple time to resolve this matter about this inquiry. Each every time they stated that it was verified, not true. They cant provide with any voiceover, my Driver License or signature authorizing this inquiry. They are breaking the law and putting a hardship on me and my family with these negativity.
08/04/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	OH 43123	Web	Servicemember
After the vehicle was deemed a total loss resulting from an accident Exeter finance continued to report late payments to the credit bureaus for over 90 days. All payments from the insurance company were made with 30 days. The GAP insurance covered the remainder of the balance after 45 days. Exeter continues to charge me interest and fees they claim I owed after all payments were made. I sent them another {$450.00} and a signed statement document on XX/XX/XXXX. The continue to hold the payment until it reported at being 90 days late.
10/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 616XX	Web
I decide to purchase a vehicle for my wife but found that my information was misused by the credit finance company Exeter Finance LLC. I disputed the information with all 3 credit agencies. Still there has been no change. Im a twin but the information that was used belongs to me. I called this auto finance company twice trying to work the situation out but it didnt work. I even went to the car company XXXX XXXX located in XXXX, Illinois they wont nothing to do with the situation. They also told my twin it needed to be refinanced.
04/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78245	Web
This account is fraudulent. I was told multiple times by collection managers that this account would be deleted after me sending in the police report and FTC identity theft report. My name was used in a fraudulent identity theft crime. This account needs to be permanently deleted and I need to be deleted off of this database, I have been lied to multiple times and told this would be deleted and never reported again. The company deleted this account multiple times and keeps adding back to my credit. This is defamation and negligence
11/17/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with signing the paperwork	KY 42701	Web	Servicemember
In this situation, the signature on the auto contract doesn't match mine, suggesting it might be a forgery. This brings into question the legitimacy of the account tied to this contract, as there isn't a valid contract with my authentic signature. A contract is void if it has a forged signature since it's missing the necessary consent from the parties involved. Therefore, I assert that I no longer own this account because there's no valid contract with my signature. This issue raises serious concerns under Georgia 's forgery laws.
07/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA XXXXX	Web
There are several companies multiple times in a short time period ( Im talking days ) that have pulled my credit without my written consent I have reached out to these companies, called, sent letters and they can not provide me with the accurate information of me giving them consent to fun my credit once let alone multiple times. XXXX pulled my credit on XXXX, XXXX, XXXX, XXXX Exeter fin pulled my credit on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX pulled my credit on XXXX, XXXX XXXX pulled my credit on XXXX, XXXX, XXXX
03/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 35601	Web
The credit bureau is refusing to remove inquiries that were obtained without my permission, I have sent them numerous requests asking to remove them and they have not ; so I am filing this compliant against them for unfair credit reporting Unauthorized inquiries listed on my report : : Exter Finance XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
12/01/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TX 75056	Web
On XX/XX//2021 I submitted a complaint against Exeter Finance ( # XXXX ). I received an answer on XXXX/XXXX/2021, however, it did not satisfy the request sent to this company via cease and desist as well as debt validation. The consumer credit transaction is false and misleading as I was not given the proper disclosures pursuant to 15 USC 1635 which is a violation. As I reviewed the negotiable instrument again, I noticed that my signature is the only signature on the paperwork given to me on XX/XX//2021. ( See attachments ).
07/07/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	AR XXXXX	Web
On XX/XX/2018 Exeter Finance Corp were paid in full by XXXX and the cap protection for a auto loan. EXETER Finance promise to report the loan as paid in full. Exeter Finance Corp is still reporting a balance of XXXX owed. Exeter Finance has recently sent an overpayment refund check in the amount of {$220.00} approximately. I have documented proof from Exeter Finance that the debt has been paid in full. On XX/XX/2018 this account is showing open with a balance after being closed with XXXX balance on all three credit reports.
11/11/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	GA XXXXX	Web
I XXXX XXXX XXXX entered into a consumer credit transaction with EXETER FINANCE CORP on XX/XX/2022. A consumer credit transaction in which a finance charge as well as cash down payment was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, however EXETER FINANCE CORP took cash which is in violation of 15 usc 1662. The finance charge is supposed to include insurance, but EXETER FINANCE CORP made me purchase insurance separately.
01/24/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	CA 91748	Web
Last year of XX/XX/2020 my car disabled and I dont know whats wrong so I decided to fix it and spend a XXXX of money and I found out that they put a tracking device to disable the car without my notice and evading my privacy. They repossessed my car and the two repo has no mask while they talking to me last two week and no papers to provide. I paid {$500.00} to my loan last XXXX and I miss payments on XXXX coz of covid. Im about to make payments on XXXX but they repo my car on the XXXX and my due date is on XXXX XX/XX/XXXX.
11/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 231XX	Web
Exeter was incorrectly reporting late payment for XX/XX/XXXX and I previously submitted a CPFB complaint regarding the handling of that dispute ( see attachment ) .The CPFB complaint was resolved and the company did remove the late payment from the payment history on my reports, however, on my transunion report the payment status is still showing 30 days late. It says 30 days late for amount of XXXX. Please look at this again and correct the payment status on XXXX. Account was paid in full on XX/XX/XXXX and was never late.
12/17/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	NV 89166	Web	Servicemember
I spoke with multiple representative 's to return or exchange the vehicle and I was forced to stay in the contract, i also spoke with my financing company in regards to being unhappy with my purchase and nothing was done. from what i know the contract is illegal as I Stated in the previous complaint, Exeter Finance and XXXX broke my consumer rights ( 15 US Code 1602 H, 15 US Code 1602 F, 15 US Code 1635 B, and 15 US Code 1692 ). Lies and Deceit by Forcing me into this Retail installment contract and maintenance Contract.
03/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 08075	Web
In accordance with the Fair Credit Reporting Act this creditor, has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an openend consumer credit plan as late for any purpose. Please remove any latte payments from my credit report for the following : XXXX XXXX
11/24/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	PA 19132	Web
I purchased the XXXX XXXX XX/XX/2022, XXXX XXXX at XXXX XXXX XXXX lied on my application stating I get {$2300.00} from XXXX I only get {$1400.00}. He also lied about my rent he put {$300.00}. My rent is {$650.00}. Im XXXX and he took advantage of me being a woman. The screen that the contract was on was far away. I signed electronically. The tag was fictitious they gave me. I was stopped by police & issued a ticket. I dont have a registration card. I contacted XXXX XXXXXXXX police trooper XXXX a XXXX vehicle fraud unit.
01/31/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 77379	Web
I have been reaching out to Exeter Finance for a few weeks, i called 5 times last week XXXX XXXX XXXX regarding information on my loan with them. They have been giving me the run around, and keep failing to send the requested information. After all the phone calls they sent a link that isnt accessible. I have tried multiple times to logon, but has not been successful. Even requested it to be resent. They stated that it takes 24-48 for me to receive a email. I have not received any of the emails/ information requested.
02/24/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	IL 60638	Web
I was in a car accident/collision in XX/XX/2020 in which my car was deemed " totaled '' because my parked car was hit by a drunk driver. My car insurance company, XXXX XXXX, and Exeter Finance LLC were in communication with each other and I was told that I wouldn't have to make my monthly payments anymore because it was being paid off in full by my insurance company. Exeret was unresponsive with myself and XXXX XXXX and as a result received the insurance proceeds late - which was no fault of my own. XXXX XXXX # XXXX
07/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 93063	Web
On XX/XX/XXXX I sent a letter to Exter Finance to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing Exter Finance to pull my credit on XX/XX/XXXX, if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately. They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX XXXX XXXX as of XX/XX/XXXX.
02/18/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	MI 488XX	Web
My Mother In Law and my husband have an outstanding debt for a vehicle. However, the company calls from Exeter Finance phone numbers and from XXXX XXXX 's all day long. They call about every 30 minutes starting at XXXX until XXXX. I feel as if this is a form of harassment. If the company were to call a few times a day, I could understand. They are collecting a debt. I get it, but to call repeatedly throughout the day is unwarranted. I 'd like the excessive calls to end. And, for a reasonable amount of calls to resume.
11/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	FL 328XX	Web
I received notice that Exeter Finance LLC was pulled my credit report without my authorization. They clam they received my personal information from an auto dealership that I did not authorize to review my credit report. This is the third time Exeter Finance has accessed my credit report in 6 weeks. I have contacted them and demanded they stop, but they continue to access my credit report without my permission. I asked them for proof I signed a credit application with their client or them. They have not produced one.
08/01/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	GA 30058	Web
Exeter Finance discharged the debt associated with my loan via the IRS XXXX process for the full amount. I have also sent in several payments to pay the full amount of the vehicle, and Exeter kept all payments and refused to add the payments to my account. Instead they sent a repossession company to my home at XXXX. They are attempting a repossession, on a debt they discharged and I paid XXXX. It is illegal to collect on paid and discharged debt, however they continue to try and collect from me and take my vehicle.
06/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 647XX	Web
There are 2 hard inquires on my credit report which i never authorized. I authorized XXXX XXXX XXXX XXXX XXXX MO to do a hard inquiry for a car loan. They did. Then they sent my information to XXXX other credit agencies, XXXX XXXX XXXX, EXETER FINANCE CORP, and XXXX XXXX XXXX XXXX. XXXX XXXX approved me, but the issue is I did not authorize them or the other two companies to preform a hard inquiry. Only XXXX XXXX. I found this on my credit report ( XXXX and XXXX ) The 3 offending credit inquiries only show on XXXX.
05/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70815	Web
I've recently checked my 3 credit reports and the negative information found is not accurate.I have disputed these items. But without accurate and fair resolution. The items on my report in question are from " XXXX XXXX '' " Exeter Finiance LLC '' " XXXX '' " XXXX XXXX XXXX '' 15 U.S.C 1681 section 602 A. Rights to Privacy 15 U.S.C 1681 section 604 A. Consumer Reporting Agency can not furnish reports without my consent. 15 U.S.C 1681 ( a ) Accuracy and fairness of credit reporting and ( b ) Reasonable procedures
09/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75180	Web
It was reported to the credit bureaus that I was late on my auto loan for various months, however it was agreed upon with the company that these " late payments '' were protected under the Cares Act due to COVID-19 and therefore would not report. I paid my loan as agreement and they still reported the late payments. I sent a goodwill letter explaining this to them, however they wrote back stating they do not accept " goodwill '' letters but promised not to report the hardship I was undergoing by loosing my job!!
07/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 91739	Web
I sent over a letter to Exeter Finance because the amount showing on my credit report does not appear to be accurate. I sent the letter on XX/XX/26 and have not gotten any response. This was only after I called in two months before and was told that I would be emailed out information. The company is reporting false information and will not comply with the law by providing me the documentation that I have requested both in writing an over the phone to show the account information as reported on my credit reports.
01/16/2020	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 294XX	Web
I spoken with them several times in a year. An in XXXX they informed me yes they sold my information to a third party without my knowledge. Also, I told them that I dont owe them anything because my car was paid off by insurance XXXX an Gap an they said no. I also informed them that constantly calling me an telling me that my credit score would be damage was inappropriate. But on my credit they written several negative things. An I didnt give Exeter financial Corp no authority to sell my information to XXXX XXXX
12/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CO 809XX	Web	Servicemember
XXXX is reporting fraudulent Credit inquiries on my credit. I am writing to request the removal of fraudulent credit inquiries on my transunion report. My latest credit report shows six inquiries that I did not authorize. I am writing to dispute the inquiries and ask for their removal from my credit report immediately. Please have these fraudulent inquiries removed from my report within 30 days as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once it is resolved.
11/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 24017	Web	Servicemember
I noticed these fraudulent inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Exeter Finance Corp XX/XX/XXXX XXXX XX/XX/XXXX
11/16/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	KY 422XX	Web
I called about our vehicles cause we was couple months behind but I've been paying what I could. So I called to see if they could help me set it up where we can do a cheaper payment plan instead of one lump sum, we were a little over 700 dollars behind and I tried to explain to her what's been going on, they wouldn't even acknowledge the situation and told me I have to bring the current balance back to standards before they would help us on our situation, they were being rude and very disrespectful. Thank you.
09/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 707XX	Web
Exeter Finance is reporting inaccurate information on my credit report. I agreed to pay a settlement amount on a past due balance for deletion or positive reporting. However, it has been 4 months since I have paid off the account, and it is being reported negatively on my credit reports. The status shows delinquent and is reporting as " failed to pay '' during the months I actively paid off the balance. I paid XXXX weekly from XX/XX/2018 to XX/XX/2018 to collection agency XXXX XXXX on behalf of Exeter Finance.
12/19/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	WI 53218	Web
Exeter finance. Predatory unfair contract with late fees that are charged well before grace period policy. High monthly payments and a fluxuating over 20 % apr rate making it almost impossible to build equity. Company did not add down payment to loan and delays payments to charge maximum interest. Company also harrasses immediately buy using XXXX calling multiple times daily to collect payments. There are lawsuits and thousands of complaints on exeter finance for fraud and unfair loan terms as well as usury.
08/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IN 46311	Web	Servicemember
here are inquires that i dont recognize nor did i give approval to look into my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Exeter Finance Corp XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Auto Finance XX/XX/XXXX XXXX XXXX Auto Finance XX/XX/XXXX XXXX Card XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
12/03/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	GA 304XX	Web	Servicemember
I PURCHASED A CAR AT AROUND {$16000.00} AND I HAVE BEEN PAYING ON IT FOR 2 YEARS 10 MONTHS AND WHEN I ASKED THEM FOR THE PAYOFF THEY SAY IT IS ROUND {$16000.00}. I ASKED FOR PROOF SEVERAL TIMES AND I GOT NOTHING. I WENT THROUGH XXXX XXXX XXXX GA AND WAS NOT TOLD ABOUT THE AMOUNT OF INTEREST THEY WERE PUTTING ON ME. I MAKE MY PAYMENTS THROUGH EXETER FINANCE. THEY KEEP STATING THAT I ONLY BEEN PAYING ON THE INTEREST FOR ALMOST 3 YEARS. SO I AM PAYING FOR 2 CARS REALLY WITH THE AMOUNT THEY ADDED ON TO MY LOAN.
01/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60616	Web
I received a credit inquiry on XX/XX/2021, XX/XX/2021, from EXETER FINANCE CORP . I absolutely have no idea who this company is and why they are on my credit report. I have attempted to contacted them via mail on XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX as of today I have not received any response from this company as to who they are and why they thought it was acceptable to attempt to pull my credit or pull my credit. I DO NOT KNOW THIS COMPANY AND I DID NOT GIVE AUTHORIZATION OR PERMISSION TO PULL MY CREDIT.
09/30/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	TX 782XX	Web	Servicemember
I mailed a certified letter to Exeter Finance, LLC on XX/XX/2020, certified mail receipt # XXXX XXXX XXXX XXXX XXXX and it still has not been delivered to date, last date reflecting XX/XX/2020 per the USPS tracking website. I have verified that the address listed on the credit report and where it was mailed to is correct, unless the company has provided the incorrect address information on the credit report. Regardless, I need the company to provide me supporting documentation that this debt belongs to me.
04/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48221	Web	Servicemember
This company has been a complete Nightmare. I traded in my XXXX XXXX XXXX into the XXXX Dealership for a new Vehicle XX/XX/XXXX. It was paid off and transferred from my name by XXXX XXXX to XXXX XXXX. Over the years I've contacted Exeter Financial about the late remarks and continued bad errors. The have refused to remove them. I called them to ask for the removals and they retaliated and added 2 More. Please investigate and reprimand this company for tarnishing the reputation of my credit worthiness.
09/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AE XXXXX	Web	Servicemember
According to 15 USC 1681a ( d ) consumer report, ( 2 ) exclusions. the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and person making the report. Further, it explains more in detail on the US Code provided, also stated in my original report about exeter finance. They provided me with a contract between XXXX and myself, not with exeter finance and myself. once again 15 USC 1681 Section 602 A, section 604A Section 2.
11/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 338XX	Web
I have loan that was closed by Exeter finance i was in jail and this finance company 's collection agency filed fraudulent judgements saying they served me but i was incarcerated and no one in my family ever heard from exeter finance nor collections agency. I sent demand letter to exeter finance collection agency demanding thia account to be removed because of fraud charges and they have removed judgement but exeter is still reporting negative If this account is not removed i will move forward to lawsuit
09/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 303XX	Web
After being drastically impacted by the XXXX XXXXXXXX pandemic. I reached out to Exeter regarding my auto loan. They offered to place me on a payment plan which I honored. However the system still reported me as late to the credit bureau 's. After speaking with Exeter they advised me this was systematic understanding my concerns but stating that nothing could be done. This is a violation of the Fair Credit Reporting Act. Therefore I'm seeking the removal of the following late payments XXXX & XX/XX/2021.
03/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IN 46201	Web
I checked my report and it there came to be 14 hard inquiries on my report that I did not authorized or give permission for. I tried contacted these companies and couldn't get a respond. these companies are : XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
11/05/2016	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	NH 038XX	Web	Servicemember
Automobile loan which had gap insurance coverage iwhere loan should of been paid off with the gap insurance due to the death of the loan holder ( XXXX date of death XX/XX/XXXX. The car was also repossessed and resold which also was for more than the loan amount. I also never received any letters or documentation from EXETER Financial regarding amount left on loan or that they were seeking collections. I also did provide Exeter Financial a death certificate and Gap insurance would if paid off the loan.
06/14/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	MI 48314	Web
I had an auto loan closed out before the maturity date, without notice and sent to a 3rd party collections. I was unaware and made regular payments to the finance company until I was made aware. Subsequently I paid a settlement debt to the 3rd party. It has been since XX/XX/XXXX since I had made to settlement and still have not had the account closed, even after providing proof of the settlement. No date is set for the closing nor I can not get a straight answer when I will recieve the title in my name
09/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	MO 647XX	Web
A {$30000.00} car loan was taken out in my name by a woman in CA. I have lived my entire life in MO, a fact that is easily verified on my credit report. The lein holder, Exeter Finance requires that I submit a copy of my driver 's license and social security card ( among other documents ) to po box . This allows no delivery confirmation or certified mail. I've been trying for 2 years to get this resolved. There is no contact information for their fraud department, and no way to hand deliver documents.
03/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48091	Web
XXXX XXXX XXXX reported a 30 late payment on my account after the car was paid off via a insurance claim. Exeter Finance claimed that the check that arrived before my payment due date went towards principal and interest when the check paid off the entire balance before my payment was past due. Exeter acknowledged this fact, but refused to remove the late status even though the payment arrived prior to the due date for XXXX. This paid the entire principal and should not have resulted in a late payment.
12/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MA 02048	Web
On XX/XX/2022 EXETER FINANCE LLCXXXX has accessed my credit report from XXXX. I have never contacted or seek to get any kind of financial product from the company nor have I heard of them before. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit hence a flagrant violation of my rights.
12/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	LA 70592	Web	Servicemember
Violation of sec 609 ( correct inaccuracies ) Failure to complete proper investigations XX/XX/18 I received 2nd notice of ACCOUNT VERIFIED for account creditor-XXXX XXXX XXXX, from XXXX I have disputed inaccuracies with this account, twice. The account balance and terms reported are inaccurate, according to my original contract. Terms are higher. Balance is not calculated accurately, based on number of payments made. Last payment Made : XX/XX/2018 No payment amount listed for this last payment.
01/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30083	Web
The following hard inquiries are on my XXXX report & I have made multiple request to have these inquiries removed. The credit report agencies have not fully investigated properly and the inquires continue to hinder my ability to obtain a home loan. The following hard inquiries are not authorized and need to be removed : Exeter Finance - XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX Case XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
06/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29445	Web
I have made several attempts to requested proof of the debts and its late payments and non ownership of the debt and have not received any response from the collectors! I have submitted request to remove this collection items off my account that have 100 percent proof of ownership across the board! I have submitted letters of missing information missed spelling errors of my name and address that I have not been associated with and Im requesting these things be removed off of my consumer reports
10/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AL XXXXX	Web
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
09/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11434	Web
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies : 1. Identity Theft EXETER FIN Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
11/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33169	Web
It may be a companies policy to report late payments to your consumer report. However according to 15 US code 1681 a paragraph 2 title exclusions sub chapter A 9 Transactions are not included in the consumer report. A late payment is a form of transitional history, therefore it is a form of transaction. So by reporting this to my consumer reports violates this law. So you are in violation of the Fair Quarter Reporting Act.. Please update late payments to paid or further actions will accrue
04/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 074XX	Web
XXXX XXXX on XX/XX/22 sold me a lemon. When they approved me. They only told me they were going through the bank XXXX XXXX. But they shopped around banks to get them selves the best finance rate where I would be paying XXXX a month. I returned the vehicle the next day and received XXXX percent of my down payment back. XXXX XXXX XXXX, Exeter bank, And numerous other banks got my information. My social security and Id have been recently compromised. So Im just trying to stay on top of my credit
12/08/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	GA 30341	Web
Exeter Finance is continuing to show that my car that was paid off by XXXX XXXX is delinquent and/or charged off due to non-payment. I filed a claim through the credit reporting agencies, which came back saying that the information was true based on the information reported from XXXX XXXX. XXXX XXXX paid my car loan off completely in XX/XX/2020, when I purchased a new car through them. But, again it's showing up on my credit report as a charge off and or delinquent account. I want it removed.
09/05/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 360XX	Web
I have refinanced my auto loan from exerter finance in the amount of XXXX and it 's still showing on my credit report. I have refinanced the vehicle through XXXX in order to get a lower interest rate in the amount of XXXX and with this taking place it has lowered my credit store drastically of about 100 points because it 's saying I have roughly XXXX in auto loans which is not true because I just refinanced and I was wanting to know how to fix this and get my credit score back to what it was
10/30/2015	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt was paid	NY 11720	Web
I had a car loan financed with Exeter bank. On XXXX XXXX 2015 the car was totaled. The insurance company and Gap paid the car off. Exeter bank has been reporting that my account is late from XXXX to XXXX. I have been trying to resolve this issue since XXXX. They are reporting the deficiency balance which they can not collect in the state of New York along with interest and XX/XX/XXXX payment which was due at the time the car was totaled however, the insurance check from XXXX paid for XXXX.
08/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30296	Web
In accordance to fair credit reporting act my privacy have been violated 15 U.S.C 1681 Section 602 A states I have the right to privacy 15 U.S.C 1681 Section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
12/13/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	CT 06051	Web
I contacted exeter finance at XXXX at this point is daily. This company owes me about XXXX for a overage in payments sent in XXXX separate checks. They have told me check was sent XX/XX/XXXX then XX/XX/XXXX then XX/XX/XXXX now XX/XX/XXXX. Each time I requested proof checks were sent. I was told no that isn't allowed or I was told give us XXXX to XXXX hours but never given any information. They received payments on timely manner and are now withholding money that does not pertain to them.
12/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 17603	Web
This company furnished my auto, which that auto was totaled and this loan was paid by the insurance company. This company has inflated fees and cost, I have asked the company several times to provide me with original contract, with my signature and consent, and a breakdown of payments and what the insurance company paid them, and they keep responding to my dispute as verified as accurate. Ive asked them to also provide me with how they verified the information, Ive received no response.
04/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 390XX	Web
I recently received a copy of my credit report and saw that there is a hard pull on my credit from your company. I do not recall giving anyone at your company permission to pull my credit. I have not applied for credit with your company. Therefore, I believe that I am a victim of Identity Theft. Please contact the credit bureau at once and have this had inquiry removed. Please send me confirmation that my request has been honored. Thank you for your cooperation in this matter.
11/23/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	GA 30906	Web
Credit is defined by 15 USC 1602 ( e ), as the right granted by a creditor to defer payment or to incur debt and defer payment. As a consumer, 15 USC 1602 ( h ), and creditor, 15 USC 1602 ( f ), I issued my credit card over the phone to XXXX XXXX XXXX XXXX representative XXXX XX/XX/2022, a consumer credit transaction was completed via Exeter Financial Services and Exeter denied me credit. The denial discriminates against my rights as a creditor and it violates 15 USC 1691 ( a ) ( 3 ).
02/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MA 02780	Web
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
10/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	GA 30344	Web
A Gas south charge off for a fraudulent account and an settlement offer with Exeter financial. These companies are intentionally holding my credit growth up and I want it taken off all my credit reports immediately. I feel like this is racially motivated to AA from having good credit I dont need a hand out but a hand up I pay my bills on time even when Im struggling through this pandemic. Please review my reports from all agencies and kindly have them to remove immediately. Thank you
08/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TN 38118	Web
The account is EXETER FINANCE. I have been disputing for a year and on XX/XX/XXXX, I sent out another letters regarding this account disputing the accuracy and how the amounts are are reported differently, the dates opened are different and recorded on each bureau, and the dates last active are all reported wrong. While one account is closed on one bureau, while they are still being reported on the other 2 bureaus. It is closed on XXXX But it is still being reported to XXXX and XXXX.
12/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	CA 95111	Web
On XX/XX/2019 I had someone try to apply a XXXX XXXX credit card under my name and it was put under as a hard inquiry. I talked to XXXX XXXX about this and they told me it would take 60 days for it to be gone but it has been over 60 days. There was also another one on XX/XX/2019 an inquiry for Exeter Fin which I did not approve either. Apparently on XX/XX/2019 someone took my Uncle 's check and put down my name for {$2300.00} dollars on a XXXX XXXX check and wired it to XXXX XXXX.
07/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 338XX	Web
In 2020 during the start of Covid I lost my wallet and it took about 3 days before I received it back. It somehow appeared back at the location at the counter. I did not file a complaint because I ended up finding it. Ever since then I kept seeing random inquiries populate on my credit report. Ive tried to dispute them but Im not getting any feedback or help. This has been so stressful as its damaging my credit. If you guys need the accounts that I do not recognize I can list them.
04/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60649	Web
I reviewed a copy of my credit report and I noticed that the same accounts that I previously submitted a complaint about is still on my credit report. I am a victim of identity theft and the items listed are the results of someone stealing my identity. The discrepencies that are on my credit report is effecting my personal life in a negative way. This has been a stressful and overwhelming process to get my life back so I am asking for this matter to be resolved as soon as possible.
09/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30349	Web
I contacted company on numerous occassions from the months of XX/XX/XXXX until XX/XX/XXXX in regards to removing unauithorized inquires from my report. However their customer service would not help and take care of the negative inquiries reporting to my credit report. I recieved no help even though I was informed they were going to be removed within 10 days. XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX-XX/XX/XXXX Exeter Fin XX/XX/XXXX and XX/XX/XXXX
02/21/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33023	Web
I requested documented proof that a loan from Exeter Financial was mine and I received a letter advising they were able to validate the debt but never sent me proof it was validated. My consumer reports were frozen as of XXXX XXXX, XXXX however I received the letter advising it was validated on XXXX XXXX, XXXX so it was impossible for them to validate. From my understanding it is unlawful to lie like this and have something on my credit reports that they do not have validation for.
12/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	SC 29223	Web
In accordance with the Fair Credit Reporting act ( EXETER FINANCE ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT # XXXX has violated my rights. 15 U.S.C 1681 section 602 A.States I have the right to privacy. 15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
02/04/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 33068	Web
I was unable to pay the total monthly payments from XX/XX/2020 - XX/XX/2020 the agent assured me that if I made a partial payment that the car would not be repossessed which was made at the time or a few days after, however, the vehicle was removed from my parking spot, and was towed to an impound lot where I was informed that in order to get the car back I would have to make a payment of XXXX + which I could not provide at the time. and thus I was forced to surrender the vehicle.
02/12/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 782XX	Web
I have been contacted multiple times over the last nine months by Exeter Finance Corp of XXXX Texas about a debt I do not owe to them. They have me confused with a person with a similar name. I have been in contact with them on five occasions and each time they assure me they have solved the problem and I will no longer be contacted. I have filed XXXX complaints and have XXXX emails from this company indicating that their harassment of me will stop and can provide them if desired.
09/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MI 48185	Web	Servicemember
I did not apply for any credit with these companies, nor did I authorize these hard inquiries. These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I believe these hard inquiries may be the result of identity theft or a mistake on the part of the creditor. I have not applied for any new credit or loans recently, and I am concerned that my personal information may have been used without my consent.
03/06/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	VA 230XX	Web	Servicemember
I have emailed and called many times to explain that Im an overseas military subject to scra rights. Exeter repossessed my car even though I was told Id here back from them by many representatives which lead to my car being XXXX with over XXXX of military gear inside vehicle. I was unable to retrieve my coworkers property though third party because of slow property release by Exeter and non communication I am seeking reimbursement for the missing property that doesnt belong to me
07/13/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	IL 624XX	Web
I am financing a vehicle through Exeter Finance Corp., the loan started XXXX @ XXXX a month for 6 years i financed XXXX for a XX/XX/XXXX XXXX XXXX, i noticed the balance was not going down after XXXX XXXX yrs of payments so when i started to inquire on why that is, in a course of approx 2 months i was told because i pay late they are charging a daily interest rate which is why the principal is not being applied, there is a late fee of 5 % interest on the contract and that is all.
07/05/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	FL 334XX	Web
I received all the loan information from an attorney ; my sale, the sale Exeter Financial made when they sold my car, the addition funds from XXXX XXXX used to pay for the vehicle, and the amount XXXX XXXX XXXX XXXX I owe fails to leave out what Gap Insurance paid. They added the amount prior to what was owed, and I will be submitting all of the paperwork, Installment Sale Agreement ( with XXXX Provisions ). It is clearly written out in the contract, itemized ; detail by detail.
12/23/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TN 38122	Web
A late fee was applied last month. I paid the late fee with the note on XXXX XXXX. My next note is due XX/XX/XXXX, however a late fee is still included for the month. My interest rate balloons upward of 27 %. I've had the car two years and only about XXXX went to the principal. I have called several times to address both. They say the money will be applied properly and it normally takes two or more calls for them to make corrective action. I was also told they do not refinance.
05/22/2020	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	OR 97006	Web
The original price for this XXXX XXXX XXXX is about {$14000.00}. The car was leased around XXXX and up to date the balance is around {$11000.00}. So far I think I have paid over {$28000.00} for this car. Something is not right. I want a thorough investigation on this. Even when I just paid about {$2000.00} few days ago to get my car back the amount still remain the same. I want all records of payments. No late fee will amount to almost {$20000.00}. Something is not right here.
05/24/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30331	Web
I have contact ed Exeter Finance sev eral times with regards to the inaccurate late reportings that they are reporting on my credit file for XXXX , XXXX , and XXXX 2017 . Exeter Finance ha s refused to remove these inaccurate reporting on my credit file with XXXX , XXXX , and XXXX . This account was paid in full on XXXX XXXX , 2017 by XXXX XXXX XXXX . My due date is the XXXX of each month. Please see the attachment that shows the account was paid in full.
09/29/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	GA 30331	Web
i never received any information about the car they never told me whether they sold the car or left it in impound i need proof of this and i let them know where the car was so for them to leave it at the XXXX dealership was not my fault it was their responsibility to get the vehicle of XXXX property. also where is the vehicle mow and i never received any information about that also. Did you investigate or just took what Exeter responded and closed the case out, I need proof
08/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77065	Web	Servicemember
In accordance with the fair credit reporting act EXETER FINANCE LLC XXXX XXXX XXXX XXXX XXXX XXXX bank Account Number : XXXX XXXX XXXX XXXX 15 USC 1681 SECTION 602 states that I have the right to privacy 15 USC 1681 section 604 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
07/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	FL 32713	Web
It has been well over 30 days and I have not received any results of an investigation of this account that I requested on XX/XX/XXXX to the credit bureau 's in regards to the difference of date of last payments reflected on my credit report for Exeter Finance. XXXX does not reflect a date of last payment while XXXX reports a date of last payment of XX/XX/XXXX and XX/XX/XXXX on XXXX. Please see the attached credit reporting and letters submitted to the credit bureau 's.
06/02/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CA 91326	Web
I have a loan with EXETER FI. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and EXETER FI with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
02/19/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NJ 08054	Web
I am CONSTANTLY contacted by XXXX about a debt from over 12 years ago. It started in XX/XX/2022 and the most recent call Ive received was Sunday XXXXXXXX. I have asked them to stop calling me. They threatened to contact my employer, garnish my wages, sue me, have me arrested, and report this debt to the credit agencies. I do not owe this debt. They just want me to go to a website and start making payments. The harrassment is unbearable. Please help me stop this abuse.
09/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 751XX	Web
I recently reviewed my credit report and noticed a lot of inquires that werent done by me. Its a defamation of character under law 15 USC1681. I asked for the credit bureau to verify this information they stated they couldnt and I had to reach out to the companies. I reached out to the XXXX XXXXXXXX they stated the same that they couldnt and for me to reach out to the credit bureau to get them removed. Still nothing has been done and this has went on for over a month.
02/05/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 30309	Web
On XX/XX/XXXX, I opened an account with Exeter Finance for a car loan. Exeter Finance violated federal laws detailed in the attached letter. Exeter Finance has violated several of my consumer rights since the inception of this consumer transaction. Right of Rescission Notice was never provided to me and the company used deceptive practices to enter into a consumer transaction. I requested information via certified mail and no response was provided by Exeter Finance.
05/18/2019	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	TX 75070	Web	Servicemember
During the month of XX/XX/XXXX, I approached my lender about not receiving my car title. After several days I was told that I had a balance. But as far as I'm concerned I don't. Prior to my bankruptcy discharge those with a secured interest were sent notice whereby they could advise if I had a balance and this company did not.object. I followed up and sent Exeter a certified return receipt correspondence on XX/XX/XXXX and still no reply. Return receipt number XXXX
01/03/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	IL 60637	Web
As I was looking over my files, I do not see a contract between myself, XXXX XXXX and the company : Exeter Finance. Can you please produce a contract that you- Exeter Finance and I, XXXX have signed that states you offered me anything and that there were securities and goods exchanged? Also, on a contract that I received from XXXX XXXX, it states that a contract was given over to Exeter Finance Corp. Can you elaborate on what is your company 's correct name please?
04/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60473	Web
I have requested a bankruptcy on my credit report be verified and validated, and if it can not it must be deleted. I got notification that it had been verified but I also received a letter from US bankruptcy court that they do not verify and information with credit reporting agencies. So I was given false information as to the validity of this item knowingly and willingly ruining my credit report and character. It is against the law to report unverified information.
09/16/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	OH 441XX	Web
I have a Auto loan with EXETER FIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and EXETER FIN with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never lates in XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX.
08/05/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 78731	Web	Servicemember
On XXXX XXXX, 2016, we received notice regarding your complaint filed against Exeter Finance Corp. ( " Exeter '' ) through the Consumer Financial Protection Bureau ( " CFPB '' ). Exeter is committed to providing best in class customer service, Today is XXXX XXXX 2016 still not updated or correct for 13 Months now I am Demanding the Exeter Finance remove this from all XXXX Credit Bureaus. Before Legal Action is Taken against Exeter Finance and all XXXX Credit Bureaus
08/27/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 32210	Web
I send a 1099-A 1099-C 1099-OLD I call them in XX/XX/2023 they said they had not received it yet and when it come the will be send me my title to my car that never happened on last Monday they call my dad and said they was looking for my car so i call them they said they never received the info so i told them they have a billing error they said they didnt know what a billing error was this is what i send to them its not letting me send forms so they are in the mail
01/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31406	Web
XXXX credit bureau is reporting inaccurate information on my credit report.I have resolved the issue with XXXX and XXXX. The accounts are listed below : 1 ) EXETER FINANCE LLC Account number XXXX XXXX ) XXXX XXXX Account number XXXX 3 ) XXXX XXXX XXXX Account number XXXX 4 ) XXXX XXXX Account number XXXX XXXX is also reporting multiple inquiries that don't belong to me. 1 ) XXXX XXXX XXXX XX/XX/2020 2 ) XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020
07/08/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	TX XXXXX	Web
Fraudulent account. Part of attached identity theft official report. Account removed from XXXX but put back on. Amount owed regularly changes from XXXX to XXXX, from open to closed and the account number continues to change. They 've done this on all XXXX reports. This was a fraudulent account and per the FACT aclt, itl clantl be put back on my credit reports once it is removed. Furthermore, they continue to report information while investigations are in progress.
11/11/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 78665	Web
I refinanced my XXXX with my local credit union and payed off account # XXXX with exeter finance on XX/XX/XXXX. I was told the account would show as closed with 30-45 days. This account shows as open with all XXXX credit bureaus still and because of this my credit score has taken a beating. I own XXXX cars with XXXX vehicle loans now which affects my debt to income ratio. Exeter needs to get it together and close this account immediately. Please assist. Thank you.
09/08/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	FL 34234	Web
Exeter Finance LLC forged my signature on the Truth in Lending Disclosures. I received in the mail. My name is XXXX XXXX XXXX. I never signed or agreed to nothing on the Truth in Lending Disclosures. XX/XX/XXXX I requested the TILA information in person with the Finance Manager. Now Exeter Finance LLC has forged a signature of XXXX XXXX and I never saw this contract about TILA. I always sign any documents with my government issued ID name XXXX XXXX XXXX.
06/19/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	NC 28105	Web	Servicemember
I, XXXX XXXX entered into a consumer credit transaction with XXXX XXXXExeter Finance on XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXXExeter Finance took cash. The finance charge is suppose to include insurance, but XXXX XXXXExeter Finance made me purchase insurance separately.
09/09/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	IL 604XX	Web	Servicemember
I called the company ( Exeter Finance ) about sending me supporting documents as to the balance owed in writing specifically, I was told they would be sending that information to me. I have not received anything nor any correspondence as to my request. On an entirely different request I requested the company apply more of my payment to the principle again I was told " they don't do that ''. I am trying to keep up with records and such so I may have good credit.
09/25/2016	Yes	Debt collection Auto	False statements or representation Attempted to collect wrong amount	LA 70809	Web
I had an auto repossession on XXXX from Exeter Finance Corp due to my illness with XXXX XXXX. Exeter sold the account to XXXX XXXX XXXX. When I had my credit report pulled XXXX XXXX is reporting the date placed for collection as XXXX/XXXX/XXXX, which is not the original date the account was placed for collection. I disputed the date with XXXX, and XXXX did not update the " date placed for collection '' which was in XXXX. I need this updated as soon as possible.
08/07/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	IL 60623	Web
Back in XXXX or XXXX I was approved for an extension on my loan to bring my loan current. However, as of today the loan has still went through system updates. I have called several times over the last few weeks very XXXX and everyone says they see the extension and that they will escalate. However nothing has been completed. This has made my health go backwards. I deal with XXXX and XXXX. And I have been sick for the last weeks trying to deal with this stress.
03/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32210	Web
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C 1681 section 602 says " I have the right to Privacy ''. 15 U.S.C 1681 section 604 A section 2 " It also states a consumer reporting agency can not furnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as a late payment for any purpose '.
05/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 700XX	Web
Exeter Finance has accepted arrangements for my car loan payments for XXXX, XXXX and XXXX of 2020. Under Section 4021 of the CARES Act, Exeter is to not report a payment on my account as late after agreeing to accommodations. They refused to stop reporting these payments even though I made all the payments according to the accommodation. All attempts to dispute this information through XXXX have resulted in the information continuing to appear in the account.
04/01/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	GA 30122	Web
Over the past year, I've written to both Exeter Finance and XXXX collections, asking them to prove that they complied with Georgia state law. Neither has responded with any documentation. All XXXX could send was a statement. Not any of the 21 items I should've been provided according to state law. Therefore. Continuing to report the account by both companies is wrong! Continuing to attempt to collect the debt seems to be an FDCPA violation on XXXX XXXX part.
08/17/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	AL 35806	Web
I took out an auto loan in XX/XX/2019 with a high APR of 25.51 %. With only one late payment and 3 extensions, my account shows that I've only paid off {$600.00} of my financed amount of {$16000.00}. I called the company to explain the breakdown and requested my original contract, but they disconnected the line. She did try to explain before the disconnection that it depends on when I pay it every month? I've paid every month on time, but one. Is this legal?
07/07/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	NC 27517	Web
Exeter Financed called several times each day for several weeks looking for someone that is not attached to my phone number. I had asked very nicely several times to stop calling that they were calling a company cell phone. The calls did not stop. I would receive up to 8 calls in one business day. I spoke with a manager on XXXX occasions and the calls have not stopped. They are trying to collect a debt from someone, but will not accept that person is not me.
07/20/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	AZ 85021	Web
I told the finance company Exeter that the contract they have is different than the one the dealership gave me it's a contradiction and the attorney general has closed the dealership where I got my car I cant get my warranties my oil change or my tires. Exeter wants me to pay but the car doesnt have active warranties because of the fraudulent things the dealership has done. I called exeter to see if I can have an extension because I have to pay for repairs
12/07/2022	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	MI 48167	Web
In at least XXXX different multiple instances my wife is receiving collection calls from Exeter Finance for a debt on a XXXX product. We have repeatedly advised to not call her. We don't own a XXXX and have never financed anything with Exeter Finance. In fact, none of the data matches what they are trying to collect on. Repeatedly we have requested to be removed from their phone system. My wife 's name is XXXX XXXX. We live at XXXX XXXX XXXX XXXX MI XXXX.
03/24/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	FL 32826	Web
I bought a car from Exeter Finance that was repossessed and I settled the debt with a third party as they promised to remove the hard inquiry after the settlement which has not happened yet. I need the inquiry to be removed immediately due to an unfulfilled promise. The inquiry in my credit should be deleted due to the fact that I've paid the remainder of what I owed on the car with a third-party debt collector to which Exeter Finance has sold the debt.
05/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 65401	Web	Servicemember
In accordance with the fair credit Reporting act XXXX XXXX, Exeter Finance, XXXX have violated my rights. XXXX5 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for gi. *k purpose. 270
05/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75069	Web
in accordance with the fair credit reporting act XXXX XXXX XXXX - XXXX, Exeter Finance XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
02/17/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	MD 217XX	Web
I traded in my vehicle on my loan for another used vehicle and switched financing companies. Exeter is still showing my old car, my old loan balance, and stating I have a payment due at the end of the month. Upon calling multiple times, I was met with resistance and told I need to call my new lender, which I did, and they said it is Exeter 's responsibility to get a hold of my new lender to get this resolved yet no one at Exeter willing to help fix this.
03/14/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	VA 23233	Web
I lost my car in an accident on XX/XX/2015. My primary insurance paid about 90 % of the financed balance. It took over a year for my gap insurance company to pay what supposed to be the remainder. Meanwhile the finance company charged off my account even-though they were aware that I 'm waiting on gap insurance payment. I have talked to exeter Finance so many times and each time I have been given a different answer. Please help me to resolve this matter.
11/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77090	Web
TO WHOM IT MAY CONCERN : MY NAME IS XXXX XXXX. I CHECKED MY CREDIT REPORT XX/XX/XXXX AND NOTICED THESE HARD INQUIRIES ON MY ACCOUNT. THESE ARE NOT PERMITTED BY ME. I HAVE NO KNOWLEDGE OF THESE INQUIRIES. I REQUEST TO HAVE THESE INQUIRIES REMOVED IMMEDIATELY UNDER 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX EXETER FINANCE LLCXXXX XX/XX/XXXX THANK YOU
12/07/2022	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	MI 48167	Web
In at least 3 different multiple instances my wife is receiving collection calls from Exeter Finance for a debt on a XXXX product. We have repeatedly advised to not call her. We don't own a XXXX and have never financed anything with Exeter Finance. In fact, none of the data matches what they are trying to collect on. Repeatedly we have requested to be removed from their phone system. My wife 's name is XXXX XXXX. We live at XXXX XXXX XXXX XXXX MI XXXX.
08/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30506	Web
Back in XX/XX/2020 I applied for a loan for a vehicle with XXXX. I had set up to even look at a car. I never went and never got a vehicle out with the company. They dinged my report with a XXXX loan. We discussed this would be about the car price as well. However nothing was taken out from the company. No loan or anything of this matter should be on my report. I have attempted to dispute this matter and they keep coming back with this is a legit report
12/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28056	Web
ON XX/XX/2018 I WENT INTO XXXX XXXX XXXX TO TRY TO PURCHASE AN CAR.I WAS VERY PACIFIC TO NOT RUN MY CREDIT MORE THAN TWICE TO FIND OUT THE NEXT DAY THAT MY CEDIT WAS RAN 8 TIMES. I WAS APPROVED THROUGH ONE LENDER XXXX XXXX BUT THREE WEEKS LATER THE LENDER DECIDED TO DECLINE THE LOAN. THEN WHILE I WAS AT WORK UNAWARE WHAT WAS GOING ON XXXX XXXX XXXX DECIDED TO RUN MY CREDIT THREE MORE TIMES WITHOUT MY CONSENT. THIS HAS DAMAGED MY CREDIT SCORE SOME MORE.
10/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70403	Web
In accordance with the fair credit Reporting Act XXXX Account # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account and or loan account under an open end consumer credit plan as late for any purpose.
08/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30228	Web
From XXXX XXXX to XXXX XXXX, XX/XX/XXXX, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.
04/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91915	Web	Servicemember
I am a consumer and natural person. I have reached out to XXXX XXXX XXXX XXXX XXXX XXXX XXXX also known as XXXX XXXX XXXX XXXX XX/XX/2022 and they have failed to show proof & record of a credit application or my written authorization to review my credit files XX/XX/2022. I am receiving adverse action letters and 8 hard inquiries on my credit report from various financial institutions. Who have also showed no proof and direct me back to the dealership.
11/06/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	MS 391XX	Web	Servicemember
Exeter finance is a money hungry organization ... they have no regards to others. Especially during this pandemic ... I have been having financial hardships lately with me about to deploy to XXXX in a few months. They recently charged me XXXX dollars for having a payment that was 2 days late. Others have also said that they were repossessed during the pandemic. This company needs to be shut down. And as a American XXXX member I am highly disappointed!
12/06/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 33142	Web
I had a loan for a XXXX XXXX XXXX XXXXXXXX, of the amount of {$18000.00} and monthly payments of {$480.00} on XX/XX/XXXX XXXX weeks later the vehicle transmission broke down. and I returned the car to the dealer and told them that I don't want this car anymore and then I called the bank and explained to them what happened and that I didn't want the loan anymore. now I am being charged incorrect amount and we don't even have the car since XX/XX/XXXX.
01/25/2022	Yes	Vehicle loan or lease Lease	Getting a loan or lease Credit denial	PA 19023	Web
EXETER FINANCE You've committed " FRAUD '' It has been brought to my attention 15 usc 1692 ( a ) ( i ) you have reported my personal/private information with third party agencies with out direct consent from me the original " CREDITOR '' Pursuant to usc 1605 the finance charge is the sum of charges with insurance included Pursuant to 15 usc following 15 usc 1635 Rights of Recission I demand you remove these neagative items off of my consumer report!
03/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30120	Web
XXXX id number Im sending more information on this account..XXXX send me a Dispute update on this account which was reported XXXX information in the historical account Section is in accurate and false information..I asked them to send me contracts between me and his company also the payments amount in the balance and date of last payment is faults.. I want this account removed from my report, This false information is hurting me from buying a home.
09/08/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28278	Web
XXXX XXXX inquiry XX/XX/XXXX did not authorize Exeter Fin inquiry XX/XX/XXXX did not authorize XXXX XXXX inquiry XX/XX/XXXX did not authorize XXXX inquiry XX/XX/XXXX did not authorize XXXX inquiries XX/XX/XXXX and XX/XX/XXXX did not authorize XXXX XXXX inquiries XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX did not authorize XXXX/XXXX inquiry XX/XX/XXXX did not authorize XXXX XXXX - XX/XX/XXXX inquiry was not authorized XXXX XXXX XX/XX/XXXX did not authorize
06/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76011	Web
The account in question is reported to have a derogatory rating, which is greatly concerning to me. I am worried about the impact it may have on my credit, as I have recently been denied a loan and my existing credit accounts have experienced increased interest rates. I want to emphasize that this negative rating has caused significant financial distress for me, and if left unresolved, it will continue to affect me both financially and emotionally.
06/05/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	CA 90503	Web
Exeter finance charge off account I have been trying to get this account off my credit because I believe the bank didnt report a lot of payments I made on time which I paid 26 percent of this loan. I also made 49 percent of my payment on time but it doesnt show that I made any payment on time!. Under the fair credit act, section 604 this a violation. I request for this account be removed from my account. Also affecting me from applying for credit.
02/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 152XX	Web
I recognized a few hard inquiries on my credit report I have no idea on how they got on there. I did not give permission to search my credit report because I have a vehicle I am already financing and I did not need any other banks looking at my account. The hard inquiries are messing up my credit score and I am trying to buy a house for my family. So if you can find it in your hearts to remove the inquiries that would really be helpful Thank You!
05/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 08028	Web
Hello, I received in XX/XX/2016 a late remarks on my credit report with Exeter bank and I didnt own the vehicle. I traded it in and XXXX XXXX owned the vehicle. They still reported it to my credit report. I called multiple times and they refuse to do anything. I submitted disputes and nothing. I did not own this vehicle it was traded in and if XXXX owed them its beyond my control. I would like this take off my credit report or I will sue them!!!
10/31/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NH 03038	Web
Bought a car in XX/XX/XXXX, defaulted in XX/XX/XXXX, got repossessed in XX/XX/XXXX. My last payment was on XX/XX/XXXX, over 7 years ago. I 've had the entry removed from my XXXX but XXXX/XXXX reply within minutes of filing my dispute saying that it ca n't be removed until XX/XX/XXXX. The credit reporting laws put the 7 year time-frame to begin at my last payment so I do n't know how they 're getting away with this. The company is Exeter Finance.
08/16/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30338	Web
I've reached out to Exeter finance Corp on several occasions as well as all 3 credit bureaus to advice this account with Exeter is fraudulent and was open under identity theft. I've sent in numerous police reports and notarized affidavits for over a few years now! This a violation of the fair reporting act! XXXX and XXXX XXXX have complied and removed the erroneous account, but Exeter and XXXX haven't which has put a major hindrance on my life!
11/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	IL 62221	Web
I have been trying to get in contact with this company for months. I have not received a response back or anything displaying this account is in dispute when viewing my credit profile. I have sent letters to them on XX/XX/2021, XX/XX/2021, and XX/XX/2021. The company has not responded nor has the bureaus verified the account accurately, The account has not been updated reflecting that I have been disputing, Why is this account still reflecting?
05/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77057	Web	Servicemember
In accordance with the Fair Reporting Act, this creditor ( Exeter Finance Acct # XXXX ) has violated my rights under 15 USC 1681 Section 602. I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor can not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
10/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 31792	Web	Servicemember
I have reached out to your company personally about the issues prior to and also made calls to the company itself. My identity was bought through a " blacklist '' over the internet several times and more and more inquiries and purchases are being done. I have attempted almost a year ago to freeze my identity and credit. I was also informed by my consult that this company has added inquiries to my report due to some lash or glitch in the system
04/24/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 33065	Web
The statute of limitations for debt in Florida is five years. A creditor has five years to sue you for the money you owe. Most debts are based on written agreements and the statute of limitations period for contract actions is five years. This particular company has been harassing me for a car that was given back to them and also its been more than 5 years. I need the company Exeter Finance LLC to follow the accounting principles of the GAAP.
05/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29456	Web
In accordance with the Fair Credit Reporting act Exeter XXXX Account XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have the rights to privacy. 15 U.S.C 1681 Section 604 a Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1668b A Creditor May not treat a payment on a credit card account under an open and consumer credit plan as late for any reason
08/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75243	Web
In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 section A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
11/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 19134	Web
This was a car loan that I made, however, when I was unable to pay for the car loan they reposes the car. the total amount for the original loan was {$17000.00} upon selling the car for {$8000.00} I should have a less amount reported on my credit report which it should be {$9100.00}. But Exeter Finance XXXX continues to report {$17000.00} instead of the {$9100.00} I have made several attempts to get this fix but so far they have not done so.
03/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48235	Web
In accordance with the fair credit Reporting act Exter Finance Acct # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. XXXX
04/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90745	Web
PLEASE REMOVE ALL FRAUDULENT ACCOUNTS AS I HAVE NO KNOWLEDGE OF ANY OF THESE ACCOUNTS DUE TO THE XXXX DATA BREACH. ALL OF IT IS BEING INVESTIGATED BY THE FTC. ACCORDING TO FCRA XXXX THIS INFORMATION MUST BE BLOCKED IMMEDIATELY UNTIL INVESTIGATION IS OVER. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ) - {$2200.00} NO KNOWLEDGE OF THIS ACCOUNT EXETER FINANCE LLC XXXX OPEN ( XX/XX/XXXX ) - {$21000.00} NO KNOWLEDGE OF THIS ACCOUNT
04/05/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	DC 20018	Web
On or about XX/XX/XXXX, representatives of Exeter Finance contacted me via telephone in an attempt to collect a debt. The debt was allegedly opened in XXXX of XXXX and was soon after written off as a charge-off. The company also failed to provide me with information regarding the validity of the loan, contract, promissory note, and/or any other documentation that legally binds me to the debt. I have no knowledge of this debt and/or account.
11/01/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	CA 92505	Web
Exeter Finance XXXX XXXX XXXX XXXX TX XXXX I have had this XXXX removed from my credit reports legally through the administrative process however, this company has re-opened an account on my XXXX report claiming I am Past Due {$17000.00} on a car I actually have the pink slip for. I have also not received a 1099 C from aforementioned company which alludes to tax fraud. The payment history is non existent and the information is inaccurate.
09/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30341	Web
In accordance with the fair credit reporting act Exeter account # XXXX has violated my rights. 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
06/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 441XX	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for XXXX purpose. XXXX
05/24/2023	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	TX 76006	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, with Exeter Finance has violated my rights. 15 USC 1681 section 602 States I have a right to privacy 15 USC 1681 section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a car loan under an open end consumer credit plan as late for any purpose.
12/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 300XX	Web
EXETER FINANCE CORP has inquire about a vehicle on my report that i did not ask for nor was i looking to purchase a vehicle. i'm asking that this be removed and i'm attached a police report stating that time of this inquires i wasn't able to talk nor write nor drive so its FRAUDULENT and i would like it REMOVED IN 5 days or a Lawsuit will be filed against this company for stealing my information without my consent. Police report attached
05/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 207XX	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXX XXXX : A creditor XXXX not treat payment on a credit card account under XXXXXXXX open end consumer credit plan as late for ar purpose.
11/13/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	FL 33884	Web
Exeter Finance repo this vehicle with my ex-wife. After being repo from her they stated that I will given a chances to keep the vehicle in 10 days. Exeter Finance violated the Fair Credit Reporting Act because they did not send a certified letter within 10 days of the vehicle being repo. I never received any documents on these vehicle sell date or auction date. I was never given a chances to buy back this vehicle or pay the past balance.
11/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30906	Web
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose. 438
10/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60617	Web
In accordance with the fair credit reporting act this creditor ( Exeter finance ) violated my rights. Under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose
04/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77373	Web
In accordance with the fair credit reporting act XXXX XXXXXXXX account number XXXX has violated my rights 15 US C1681 section 602 states I have the right to privacy. 15 USC 1681 section 60 for a section 2 ; is it also states of consumer report agency can not furnish an account without my written instructions. 15 US C1666B : A creditor may not treat a payment on an account under an open and consumer credit plan as late for any purpose.
10/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21222	Web
In accordance with the fair credit reporting act, this creditor has violated my rights. under 15 USC 1681 SECTION 602 States I have the right to privacy. 15 USC 1681 Section 604A section 2 it also states that consumer reporter agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
07/05/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	FL 33133	Web
Exeter Finance opened an auto loan on my behalf using my personal information on XX/XX/XXXX. I already called this company ( XXXX ) XXXX and spoke with the supervisor named XXXX with ID # : XXXX and filed this as a fraud account. It is under investigation by them. Also I'm trying to file a police report. Exeter Finance sold this account to XXXX XXXX XXXX XXXX on XX/XX/XXXX being reported as a collection account to the Credit Bureaus.
06/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29505	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
05/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 631XX	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
03/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	DC 20020	Web
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an a open end consumer credit plan as late for any purpose.
04/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23455	Web
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
11/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77042	Web
These are the companies that I found on my credit file. These were done fraudulently without my consent. I dont know how my information was used to make these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXETER FINANCE LLCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
09/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76011	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
08/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76011	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
08/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33185	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
05/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WA 98059	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 section 604 A section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
08/30/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	NC XXXXX	Web
I reached out to this company and credit bureaus to inform them all know that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent the XXXX a copy of my police report, ID Thief Affidavit, ID, and my social security card. The company has not responded to any of letter directly, which is a direct violation of the fair credit reporting act.
03/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 121XX	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.15 USC 1681 Section 602 States I have the right to privacy.15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.XXXX XXXX
09/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 705XX	Web
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has vbiolated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
05/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 380XX	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose. 1
09/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TN 380XX	Web
I recently noticed an inquiry on my credit profile from Exeter Finance LLC/XXXX. Ive never applied for any services with them. Ive contacted the company directly 4 times asking them to remove this inquiry but they just give me the run around. Theyre not able to verify that I applied. I asked them to provide the IP address for the computer/mobile device used the day of the alleged inquiry from me and they were unable to provide one.
01/24/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	FL 32210	Web
I was in car accident back in XXXX XXXX and the other driver insurance company XXXX XXXX totaled out my car an gave almost the amount of payoff and GAP insurance took care of the rest.Also company listed wrong last of payment on my credit report of XXXX which is causing issues in my credit due to false reporting.But the last payment they recieved was from Gap that paid off car.The company also re aged debt with the credit bureaus
12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 750XX	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat o payment on a credit card account under an open end consumer credit plan as late for Purpose.
09/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 283XX	Web	Servicemember
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 12 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late on purpose.
08/20/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	AZ 853XX	Web	Older American
Paid {$6000.00} to Exeter for interest and principal. Exeter paid the fees instead. In addition, th credit bureau is reporting XXXX + is still owed. XX/XX/2021 XX/XX/2021 Fee Payment Applied Undefined - Undefined - {$50.00} XX/XX/2021 XX/XX/2021 Fee Payment Applied Undefined - Undefined - {$390.00} XX/XX/2021 XX/XX/2021 Payment Applied Agent - ACH - {$2500.00} XXXX XX/XX/2021 XX/XX/2021 Payment Applied Agent - ACH - {$3000.00}
04/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 18015	Web
I have 29 hard inquiries on my report by dealership that I. Didnt consent too and I spoke to a credit adviser that I can get all or some of them off the dates are XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX those are multiple inquiries on my credit report that I didnt consent too and would like to remove them please thanks
01/08/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	NJ 08003	Web
I purchased a used XXXX XXXX XXXX paid off on XX/2017and I never received the title of the car. EXETER FINANCE claimed that the car title was sent to a secondary address, which never was received. I Called and requested the car title to be sent to my primary address and I never received, either. EXETER FINANCE explained that was sent several weeks ago, before the holiday season started. But, I am still waiting for the car title.
04/18/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	IL 605XX	Web
I have been with Exeter Finance for about XXXX years now and they have been told over a year ago, not to call my work place. They were compliant until XXXX XXXX when I got a call on my phone at work from them. I have the call in my call log at work and if need be I can see if I can get a print out from the main computer that hosts our phones. This is a violation of my rights as a consumer and something needs to be done about it.
11/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	CO 80017	Web
I had previously filed a complaint with CFPB in regards to Exeter finance. Exeter. Responded to CFPB that they would remove a late payment reported to the credit bureaus.. I have had to file another dispute because my credit report was updated, however, Exeter responded to the dispute again on XX/XX/XXXX XXXX while they did report the account as being paid off, they did not remove the XXXX late payment as agreed and in writing.
12/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NV 89148	Web	Servicemember
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
05/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 352XX	Web
Earlier this month, I pulled my credit report and discovered multiple inaccurate accounts reporting. I have filed countless reports and disputes with the companies included in this complaint. The credit Bureaus have failed to remove these accounts as well. This is prohibiting me from purchasing a home. I was a victim of identity theft and reported it to all the parties involved. I have yet to see these items removed or blocked.
12/15/2020	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	FL 33137	Web
I received a letter in the mail from a new Collection agency called XXXX XXXX XXXX XXXX. I previously sent in a complaint against Exeter Finance who also had XXXX XXXX XXXX sending letters requesting a different amount that is reflecting on my credit report. I would like this account to be deleted with all credit bureaus. The amount that is being reported is {$6700.00} but now the new Collection agency is asking for {$3600.00}.
09/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 17013	Web
After receiving my consumer report from the credit bureaus, I notice a fraudulent inquiry from Exeter Finance on XX/XX/21. I notified the credit bureaus through CFPB and the inquiry was deleted. Exeter Finance violated federal law. see 15 USC 1681b A2. I did not give Exeter Finance Written instruction to furnish anything on my report. They are civilly liable for this issue. I recently tried to apply for housing and was denied.
02/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77067	Web
For the past 60 days I sent you a dispute for hard inquires I didn't authorize with a FTC report stating I been a victim of identity theft, I send out another FTC report 2 weeks ago which they said they didn't received it, I also called and they couldn't help this matter. I have filed a dispute in regards to incorrect items on my credit report, it has been well over 30 days and I haven't received any investigations results.
09/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19140	Web
In accordance with the fair credit reporting act XXXX account has violated my rights. 15 USC 1681 section 602 States I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A credit or may not treat a payment on a credit card account under an open and consumer credit plan as a late of any purpose
02/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	CA 92507	Web	Servicemember
I just received notification of a 30 day late payment on my credit report. I helped out my daughter with getting a car, and I co-signed for her, and she was 30 days late. My issue is the company took XXXX points off of my credit for a 30 day late. This is beyond crazy, and overexert authority of this company. I understand XXXX maybe XXXX points for my daughter not paying on time, but almost XXXX points. I strongly disagree.
08/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 283XX	Web	Servicemember
In accordance with the fair credit reporting act Exeter Finance LLC account # XXXX, has violated my rights. 15 USC 681 section 602 states I have a right to privacy. 15 USC 681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instruction. 15 USC 1666B A creditor may not treat a payment on a account under a open end consumer credit plan as late for any purpose.
03/24/2019	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	IL 60901	Web
XX/XX/XXXX I sent a dispute for debt. 30 business days later on XX/XX/XXXX I sent a request for verification of debt to be sent to me and it came back from all 3 credit bureaus that the debt was validated without documentation. Also, there was a {$19.00} payment that was made unknowingly by who after I sent my 1st dispute in, seems as if it was an attempt to keep activity on the account. The company is Exeter Finance Corp .
07/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33185	Web
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
12/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35215	Web
There has been a complete Error this vehicle never belonged to me and was wrongfully put into my name using my social I have filled for identity theft and this has been more than a clerical error and has been on my credit report for years. I never authorized any vehicle repo or the vehicle at all and no one has responded to my case from these car companies. Please remove this from my credit report as this is not me at all.
08/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 62221	Web
In accordance to the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under a open end consumer credit plan as late for any purpose.
05/09/2023	Yes	Vehicle loan or lease Lease	Improper use of your report Reporting company used your report improperly	LA 70506	Web
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy 15usc1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b A creditor may not treat a payment on a credit account under an open end consumer credit card plan as late for any purpose
12/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89032	Web
In accordance to the fair credit reporting act Exeter, finance LL. Has violated my rights 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states, a consumer reporting agency, can not furnish my account without my written instructions 15 USC 1616 B : a creditor can not treat a payment on a credit card/open credit account under an open end consumer plan as a late purpose
11/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 386XX	Web
XXXXXXXX XXXX XXXX Exeter Finance LLC # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Exeter Finance Corp N Accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
01/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27455	Web
2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX and XXXX credit bureaus are reporting late payments which is Illegal. I have copy and pasted the Federal law 1681s-3 the Exclusion section.
08/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or missing disclosures	OH 44129	Web
In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
07/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11706	Web
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft EXETER FINANCE LLC Account Number : XXXX This is not mine. 2. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 3. Identity Theft U S DEPT OF ED/XXXX Account Number : XXXX This is not mine.
04/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30097	Web	Servicemember
Account NameEXETER FINANCE XXXX Account Number680681XXXXXXXXXXX Account TypeAuto Loan ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$22000.00} written off. {$13000.00} past due as of XX/XX/XXXX. Status UpdatedXXXX Balance {$13000.00} Balance UpdatedXXXX Recent Payment {$1400.00} Monthly Payment {$0.00} Original Balance {$21000.00} Highest Balance {$0.00} TermsXXXX Months On Record UntilXXXX XXXX
11/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 544XX	Web	Servicemember
In Accordance with the fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCs 1666B a creditor may not treat a payment on a credit card under open end consumer credit plan as late for any purpose.
04/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 757XX	Web
In accordance with the fair credit Fair act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account un open end consumer credit plan As late for any purposes.
06/22/2017	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	GA XXXXX	Web
I have had my car for over or almost 2 years and the original loan amount was {$19.00}, XXXX I make monthly payment in the amount of {$480.00}. I just do n't understand how I still have {$16.00}, XXXX remaining. As a XXXX XXXX XXXX and worker it is already a struggle to manage my payments in addition to th e 3 la te payments being reported which is also causing an additional hardship to my financial situation.
02/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11201	Web
I have recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.
08/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	FL 33810	Web
This company has been investigating a complaint filed regarding a forged auto loan contract that they own period other issues within the contract, such as the loan company, having a completely different contract than what the dealership provided us has been brought to their attention and not rectified period meanwhile, they are continuing collections during their investigation and reporting delinquencies to my bureau.
09/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30083	Web
The latest credit report I checked still shows that this account is being reported incompletely and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.
08/31/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60435	Web
An ex girlfriend of mine ran my credit in order to damage my credit. She was shopping for a car and decided to give my information to a few car dealers ... They then forwarded it to car finance companies ... ALL in ALL, 10 different companies pulled my credit on XX/XX/2018. I did not provide authorization. She did this without my consent. I wrote a letter to each company however they yet to remove it from my account.
02/14/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	PA 19013	Web
Exeter Finance sold my loan to XXXX XXXX XXXX and only got a letter in XX/XX/XXXX from Exeter Finance and XXXX XXXX XXXX place my account on credit bureaus with out mailing me anything no letter nothing by law I have 30 days to dispute the amount or the situation of the loan. Exeter Finance has bought back the loan and by law broke a lot of my rights with this loan and has yet to clear them up in a timely matter.
08/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60615	Web
Im accordance with the fair credit reporting act these accounts have violated my rights under 15 USC 1681 section 602 states I have a right to privacy. Under 15 USC 1681 604 A section 2 a consumer reporting agency can not furnish an account without written instructions. Under 15 USC 1666 B a creditor can not treat a payment on a credit card account under an open consumer credit plan as a late payment for any purpose
10/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92886	Web
Per my XXXX credit report it states that a company called Exter finance is an open account. I have never heard of such company, then I called that company and asked a few question. It turns out they are a automobile finance company. Only car finance I have is from XXXX. They search on my social security and as I thought there is no account under my name. I have no Idea how they have got into my account. Please fix
05/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 71202	Web
I have reached out to this Company numerous of times about the unauthorized inquiry. I have a freeze on all 3 credit bureaus. I have called the Agency and the credit bureau and each time I keep getting told to call back the other. I am in the process of purchasing a home and this has become frustrating. I am advised of my rights as a consumer and i have yet to get a solution. The inquiry was placed XX/XX/2017 2017
01/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29506	Web
In accordance to the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the rights to privacy. 15 USC 1681section 604 a section 2 also states a consumer reporting agency can not furnish account without my written instructions. Under 15 USCS 166b, a creditor may not treat a payment on a auto loan under an open end consumer credit plan as late for any purpose.
03/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA XXXXX	Web
I have a loan with EXETER FIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and EXETER FIN with no successful resolution. XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
12/03/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	NV 89081	Web
I have a loan with EXETER FINANCE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both ( Bureau ) and ( Account Name ) with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
02/23/2017	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	TX 76132	Web
Exeter Finance allowed my signature to be forged on documents for a vehicle without my consent and without me being there in attendance. When I approached them they suggested that I submit Identity theft report, I did that, and Exeter Finance deemed my claim frivolous. I 'm demanding justice in this matter. This is my final attempt before pursuing legal action. This is not a request for validation or verification.
03/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37167	Web	Servicemember
The reason for this complaint is to dispute an unauthorized inquiry on my credit report. On XX/XX/2022, I retrieved a copy of my credit report via XXXX XXXX and discovered an inquiry that I have no knowledge of. I did not apply for credit with Exeter FinancialCorp ( finance ) nor did they have my permission to use my information. I have also reached out asking that they remove the inquiry from my credit profile.
01/02/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	GA 30213	Web
XXXX has been non-compliant with removing the unverified account EXETER FIN XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that EXETER FIN was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
08/24/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 339XX	Web	Servicemember
This account has been disputed and despite my case the company has been unreasonable in correcting the accuracy of data but have instead added more inaccurate data. There has even been an offer to pay it off completely by having my bank take over the loan so as to not have continued issues with credit bureau reporting, and provide an agreement to update the data accordingly, but communications have been ignored.
03/29/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	NJ 07106	Web
On XXXX XXXX the salesman assisted me with the purchase of XXXX XXXX XXXX at Exter Finance and/or XXXX intentionally withheld pertinent information to complete the sales. There are many fees within the given finance charge that are a violation of 15 USC 1605. Exter Finance and/or XXXX falsely and illegally obtained XXXX. I sent letters to both companies on XX/XX/XXXX disputing but have not heard back as of yet.
04/29/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TX 77040	Web
On XX/XX/2021 I purchased a used vehicle from XXXX XXXX In XXXX, tx. As agreed I paid {$3000.00} down in cash not credit. On my contract paperwork in the total sales price column it states that the {$3000.00} I put down in cash, was somehow turned into credit. Im not sure why my paperwork shows this but to my knowledge that is considered a fraudulent contract, because I paid cash not credit for my down payment.
11/10/2021	Yes	Vehicle loan or lease Title loan	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	SC 29607	Web
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on EXETER FIN. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
07/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60647	Web
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). Exeter Finance Corp violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), and 15 usc 1681e ( b ).
02/14/2018	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	PA 19013	Web
XXXX XXXX XXXX never mailed me anything to this account all I ever received was from a letter from Exeter Finance saying it was been transferred to XXXX XXXX XXXX. XXXX XXXX XXXX never contacted me nor mailed a letter by law. I did not even have the right to dispute the debt that is on my credit report. Exeter Finance bought this account back from XXXX XXXX XXXX This account does not belong to XXXX XXXX XXXX
12/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28078	Web
In accordance with the fair credit reporting act XXXX account # XXXX violated my rights 15 USC 1681 Section 602 states i have the right to privacy 15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC 1666B A creditor my not treat a payment on a credit card account under a open end consumer credit plan as late for purpose
07/15/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	GA 30281	Web
Exeter finance place a debt on my credit roper for roughly 10k and sold the account to XXXX XXXX while still trying to collect the debt under the original account holder which is Exeter. I settled the account with XXXX XXXX whose in charge of the debt and had the account deleted once paid. Exeter than updated the account to a balance owed of XXXX when it was already sold to XXXX and handled in a timely matter
12/02/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	NV 89166	Web	Servicemember
on XXXX XXXX i was basically for into this contract with lies and deceit which include High finance charges, lies about vehicle conditions, the amount of monthly income was higher than what i made, Dealership add XXXX XXXX in which i declined, as of late XXXX i recognize there is fraud in my Contract that breaks my rights as a consumer, being overcharged and co horsed to be in the retail installment contract.
03/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 236XX	Web
Account # XXXX Exeter Financial still reporting a past due balance and late payments on my credit report after they have sold it to XXXX XXXX XXXX XXXX collection agency ). It is against violations to continue to report a past due balance on a charge-off debt and sold to a collection agency. In violation of FCRA Section 611 ( 5a ) ( 15 U.S.C section 1681 ) : Treatment of Inaccurate or Unverifiable information
08/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32713	Web
A detailed look at my credit report I found that the reported balances are inaccurately reporting {$22000.00} ( XXXX ), {$22000.00} ( XXXX ), {$14000.00} ( XXXX ) when I reviewed the information presented reflects that The original balance was XXXX. The deficiency balance was reported as {$7300.00} but on the account statement it reflects that the balance is {$5200.00}. Clearly the reporting is inaccurate.
11/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 65201	Web
I purchased a car from XXXX XXXX XXXX. XXXX XXXX later my XXXX XXXX. I voluntarily repossessed the car back to XXXX XXXX. We negotiated a settlement of XXXX. This was paid in full. At that point this account should've been closed. I was shocked to see it was ruining my credit. XXXX I add the car had under XXXX put on it total and was returned in the same condition as when purchased. All this occurred in XXXX
05/12/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with signing the paperwork	IL 60411	Web
I financed a vehicle with Exeter at a XXXX location in XXXX, Indiana on XX/XX/22. My fianc and I put down a downpayment of {$4000.00} and was told that itll be applied to the overall car. We traded in a XXXX which had negative equity of about XXXX. Looking over the contract, I do not show this being deducted from the pricing of the cars value itself. This is now resulting in the contract being null and void.
04/29/2021	Yes	Vehicle loan or lease Lease	Incorrect information on your report Account information incorrect	HI 96818	Web	Servicemember
Attempted to trade in my 2010 XXXX XXXX XXXX that is financed through Exeter Finance. I have had consistent payments throughout my contract. When the dealership ran my credit, on my credit report it said Exeter finance 90 days past due and it said my car was up for repossession. Even on the website for Exeter finance it shows I made payments and I have been consistent with 20 payments since Ive had this car.
05/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 757XX	Web	Older American
I called XXXX XXXX to ask them why I got numerous denials from loan companies I did not even fill out any forms with this company at all. The lady on line said she would have to check into it she put me on hold and after about 10 minutes hung up on me. Also I got a denial from a car dealership in Utah. I live in Texas. they said they would check into it and get back to me ... .never have heard back from them
01/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35007	Web
In accordance with the fair credit report act this creditor has violated my rights.under 15 u s code 1681 section 602 states I have the right to privacy, 15 1681 section 604 ( a ) section 2 a consumer reporting agency can not furnish a account without written instructions Under 15 us code 1666 ( b ) a creditor may not treat a payment on a account under a open end consumer credit plan as late for any purpose
12/18/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	AL 35805	Web
I want to check that the daily finance charges that are being applied to my account based on my payment dates are calculated and applied accurately to my owed balanced. I requested the records of how finance charges have been assessed and applied to my account and was told that I could not request this service online. I called the 1-800 number provided to me and was unable to reach an operator three times.
08/29/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	SC 29073	Web	Older American
The XXXX ( XXXX ) XXXX XXXX was giving me mechanical issues several times throughout the duration of usage. Causing financial distress and hardship. I am totally XXXX, and could not afford to pay for loan and repairs due to a lemon. The automobile has been in the repair shop since XX/XX/XXXX. Its been out of service several times and I have been having difficulties getting to my Doctors appointments, etc.
11/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OR 97838	Web	Servicemember
Although I had experienced identity theft, and had been communicating with Exeter Finance and have been unable to successfully come to a common ground. Rather, they just keep saying the account has been verified and have not taken time to respond with anything other than that. I realize that these companies make money from making bad reports and this is not fair to my family and I especially at this time.
08/07/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	GA 30102	Web
XX/XX/2020, payment of XXXX. Me and a partner have been trying to make a payment when they called and take XXXX each week. Turns out, they haven't been taken out the money from my partners account and now it is 37 days late when we asked to take out XXXX each week. We just paid XXXX today and made sure they actually did it. They kept saying payment received but turns out they never took out any payments.
12/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 390XX	Web	Servicemember
On XXXX XXXX, 2021 while browsing cars on XXXX, the preapproval option was given. No where in the writing did it notate that the preapproval would be a hard pull and on top o that my credit was also pulled by Exeter Finance as well as XXXX XXXX, without my knowledge or consent. Therefore this did cause my credit score to drop. I ask that these inquiries be removed immediately from my XXXX credit report.
01/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11368	Web
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. EXETER FINANCE CORP Inquiry : XXXX. XXXX, 2020, XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2020, XXXX XXXX Inquired on XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
07/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 44124	Web
Exeter Fin obtained a copy of my credit report on XX/XX/2021 - without my permission. The FCRA states that inquires made without " permissible purpose '' can be removed. Additionally, the FCRA states I can sue for damages up to {$1000.00} for pulling my credit report without my permission. Upon contacting XXXX, they were unable to provide proof of my signed approval for them to pull my credit report.
02/21/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 94601	Web
I checked my credit report only to find out that my identity was stolen XXXX auto loans from Exeter finance and XXXX and a loan from XXXX bank. I contacted each XXXX of these places and made them aware that these accounts was fraudulent opened in my name. I made a police report and submitted to each company and all XXXX credit bureaus and it 's been well over 30days and I have not received a response
03/25/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NJ 07860	Web
Today XX/XX/2020 I XXXX XXXX called Exeter finance to try and push some payments towards the back of the loan due to the pandemic currently happening. Without any consideration my bank refused to put payment to the back of the loan and expects me to do payment plans when I dont have a job what so ever and my unemployment date isnt for another 12 weeks. Can someone please help me with this situation.
11/08/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 273XX	Web	Servicemember
This company accessed my credit file with XXXX XXXX on XX/XX/2016, placing an inquiry on my file. I have attempted to dispute this item with the Credit Reporting Agency and with the company, requesting documentation to support their permissible purpose in accessing my file. They have failed to provide such documentation. Accordingly, pursuant to the FCRA, this inquiry should be removed from my file.
04/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	RI 02904	Web
Exeter finance continues to contact me regarding someone else 's debt even after being repeatedly told that I am not the person. The person they are looking for is XXXX XXXX. XXXX is a former resident of a home I purchased. There is no association between me and XXXX. I do not have contact with this person. Exeter should not be contacting me simply because my name is associated with that address.
03/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30213	Web
The loan was never 30 day late. Spoke with several managers and representatives and they all stated that account balance would be updated and it would not be reported to credit bureaus as late. When it reported late I disputed with credit bureaus and sent email to company as directed by customer service reps to get this corrected. It reported correctly for 1 month and went back reported late again.
01/27/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TN 38115	Web
I just seen a statement that i never seen before from car loan people which is exeter finance llc and it show that all my monthly payments went toward interest i told two different people in the beggining that i want my payments to go toward principle so can you please correct that and put my past payments toward principle its too much thats being done wrong with exeter finance and XXXX XXXX XXXX.
09/06/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	FL 344XX	Web
I made a purchase on a vehicle XX/XX/2021 put down XXXX on XXXX XXXX XXXX with XXXX miles thought I had a good deal car was listed at XXXX none of my money ive put down or payments Ive paid over this year have made an impact on my car loan seems like & Ive been having problems after problem with this car now my transmission is out & I still have to pay that & XXXX a month not including insurance
07/11/2019	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	CA 95336	Web
I have a bout 2 late payments with EXETER FINANCE on my credit report. The reason why I have the bad history is because I was not aware of the last 2 months payments after my car accident in XXXX of XXXX. During that time I was shopping for a new car and dealing with the other person involved in the accident. I am already demonstrating better behavior with my new car financing company XXXX XXXX.
12/04/2016	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	OR 97601	Web
I previously filed a report for Identity Theft with FTC. I have placed alerts on the XXXX credit reporting agencies. I am asking for immediate remove the of the credit inquiry, due to failure to follow procedure with Identity Theft and they have refused, and will not remove their inquiry. I simply would like to have their inquiry removed, they failed to follow procedure, therefore it is invalid.
03/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX XXXXX	Web
On XX/XX/2019 I sent a letter to this company requesting removal of their inquiry on my credit report. I have no knowledge of applying for this company. I asked them to please remove the inquiry unless they have my permissible written copy with my hand writing as per the FCRA. This company is NOT being complaint with the FCRA, they told me they would not remove the inquire. This is a violation.
11/29/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 35215	Web
XXXX is reporting inquiries on my credit report that I do not recognize nor did I approve. Listed are ; XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX is reporting inquiries on my credit report that I do not recognize nor did I approve. Listed are ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
01/06/2017	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	IL 60188	Web
The loan terms for my 2011 XXXX. I have made over XXXX payments of XXXX for this car and have yet to reduce my loan amount ( XXXX ) due to my interest being sky higher ever then I truly understood or agreed to. I have contacted Exeter Finance and they refuse to renegotiate my terms. I am stuck in a contract that should have been paid for already. Plus the late fees that was n't explained to me.
05/28/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	MA 02324	Web
I was going through my credit and noticed a vehicle that was repossessed several years ago is still reporting with several inaccuracies, such as balance, original balance, date of last activity, status, etc. Plus I had a Gap insurance on that vehicle and I never received and documentation after the repo. It shows charged-off with wrong balance, and it's definitely violations of FCRA and MVISA.
07/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 44035	Web
I applied for a credit loan through XXXX online. They had multiple companies including Exter Fin from XXXX, TX run my credit without my permission. This happened on XX/XX/2019. I never gave permission for XXXX to give my information to other banks to run my credit without my permission and I did not go through with a purchase from them so I want the hard inquiry taken off of my credit report.
03/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32244	Web	Servicemember
On XX/XX/XXXX and XXXX my credit was ran through several auto financing companies, They were only to check my credit through my current auto company which was XXXX XXXX XXXX to see if they would give me a new loan. Instead they ran through several companies. I told them when I was there I did not want them running my credit through anywhere besides XXXX. I have Called XXXX with no response.
06/13/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	GA 30906	Web
I communicated with XXXX on XX/XX/XXXX regarding a consumer credit transaction without a down payment for XXXX XXXX XXXX . I asked representative XXXX XXXX does XXXX participate in the Truth in Lending Act and after verifying, she confirmed yes. Afterwards, she stated that a down payment of {$12000.00} would be required to be financed by Exeter ( violation of 15 USC 1601 and 15 USC 1662 ).
07/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11427	Web
I CHECK MY CREDIT SCORE AND SAW SO MANY INQUIRES THAT I DONT KNOW AND DIDN'T AUTHORIES IT. I TRY CALLING THE COMPANY FROM WHERE THE INQUIRE WAS COMING FROM THEY TOLD ME THAT THEY DONT KNOW HOW IT END UP ON MY CREDIT CAUSE. THAT THEY CAN'T REMOVE IT BECAUSE THEY DON'T HAVE ANY INFORMATION OF MINE. THAT I HAVE TO CONTACT THE CFPB THEY MIGHT HELP. DATES FROM XX/XX/XXXX THROUGH XX/XX/2019 2019
11/14/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	TX 78232	Web
My rights have been violated, pursuant to 15 USC 1692 G. I traded in this vehicle on XX/XX/2022 and have documentation stating it was paid in full by the dealership. I have disputed this twice via email with the lender with the last date being XX/XX/2022. The lender ( Exeter Finance ) claims they have no dispute on file and have reported late payments and a debt still on my credit report.
09/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60402	Web
According to XXXX last checked ( XX/XX/2022 ), Exeter XXXX XXXX has violated my rights pursuant to 15 USC 1681b ( c ) ( c ) and unlawfully furnished my report and was not initiated by me. Also 15 usc 6208 ( b ) and did not inform me of the opting out. Furthermore 15 usc 1692 ( c ) ( c ) is my right and I am exercising it. The experian website is showing late payments from 5/2021-09/2021.
06/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	FL 33025	Web
THIS COMPANY HAD NO PERMISSION TO ACCESS MY CREDIT FILE. NOR DID THEY HAVE PERMISSION TO REPORT THIS BY LAW. I DISPUTED WITH THIS COMPANY AND SHOWED THEM WHERE THEY VAILED THE Fair Credit Reporting Act " FCRA '' AND DEMANDED THAT THEY DELETE THE INACCURATE AND INCOMPLETE INFORMATION OFF MY CREDIT FILE AND DEMANDED THAT THEY PROVIDE COMPENSATION BASED ON THE " FCRA '' IN CIVIL LIABILITY.
09/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30331	Web
CFPB In accordance with Fair Credit Report Act XXXX Acct # XXXX has violated my rights 15USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 Section 804 # 2 consumer reporting agency can not form a account without my written instructions. 15 USC 1666 B a creditor may not feed a payment on a credit card act under an open end consumer credit plan as late for any purpose
03/27/2020	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Lender trying to repossess or disable the vehicle	WI 53216	Web
I was a co signer on my husband car with XXXX that got hit andin front of our house park on the street we told them to come in pick the car but never did than XXXX of 2019 they came to get it and then sent a letter in the mail trying to sue me I called them and all they keep saying is your have contact the financial company I did that and all they keep doing is giving me the run around.
11/14/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	TX 78232	Web
My rights have been violated, pursuant to 15 USC 1692 G. I traded in this vehicle on XX/XX/2022 and have documentation stating it was paid in full by the dealership. I have disputed this twice via email with the lender with the last date being XX/XX/2022. The lender ( Exeter XXXX ) claims they have no dispute on file and have reported late payments and a debt still on my credit report.
03/01/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NV 89149	Web
I have tried several times to dispute the lates that are reporting on all 3 of my credit bureaus and also with Exeter. They state that they are correct but I always signed up with them for extensions and now they wont talk to me since they are paid off. I just would like my reports to have no negative effect since I paid them on time all the time. They also have my wifes address wrong.
12/20/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MI 48340	Web	Servicemember
I was at a auto dealer on behalf of my brother as a cosigner. I ask the Salesperson to do not inquire my credit by more than one financial service ( creditor ). He agreed but I have three inquires on my credit report - XXXX XXXX, XXXX. In XXXX of XXXX I called the XXXX ( XXXX ) and asked why he did not follow our agreement and he 's response was that it was not him, it was his manager.
02/18/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 949XX	Web	Servicemember
I have a loan for a XXXX XXXX XXXX with Exeter finance. I have found a payment of XXXX dollars dated XXXX XXXX for which my account was not credited. Also I am not able to ever get a breakdown on how much of a payment went toward principle, it is very difficult to get answers from their Customer Service I have in times past spent hours trying to determine why my payoff remains so high.
09/11/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	FL 33023	Web
I am a XXXX XXXX who was out of work due to illness. I let this company know and even pushed my payments back. A friend made payments on my behalf that was reversed later down the line. I was not aware of the reversal until weeks later where I proceeded to make a payment to get caught up. This company is reporting that I am 60 Days late on my payment which Can not be accurate at all.
05/09/2020	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NC 28590	Web	Servicemember
Exeter Finance XXXX XXXX XXXX XXXX, TX closed my vehicle loan and reposted vehicle account during Pandemic COVID-19 situation. I had informed them about my employment was interrupted due to COVID-19. The finance company refused to take a flexible approach that would assist me and my account that would allowed me to remain current on this account and maintain the account to be opened.
12/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33311	Web
I Reached out to the creditor to have the fraudulent inquiries removed. I have never applied for any lines of credit or gave anyone authorization to obtain any lines of credit on my behalf. and they notified me that the information was sent over to the credit bureaus to be removed and its been well over 60 days and I have yet to receive and update for removal from my credit report.
02/02/2023	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 77429	Web
I started speaking with the company early XXXX of 2022, mentioned my situation an told them I would reach out when I was ready to resolve debt after that Ive received frequent calls every following week sometime multiple times in a day, I finally answered an told the agency to stop reaching & theyre still contacting me every other day & company has never sent documents I asked for
05/19/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	IL 60617	Web
Exter Finance LLC repossessed the car from me XXXX XXXX, 2020. According to the credit report, they're reporting that they never received a payment that isn't true. They ended up selling the car for {$10000.00} and sent me a letter that after the reappraisal of the car. I owed {$0.00} and it would be cleared from my credit. I notice they keep updating negatively which isn't true.
04/06/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CO 80918	Web	Servicemember
The vehicle in question the finance company is saying that I own the loan but in fact I do not, somebody else got the loan in my name therefore leaving me with a bill that doesn't belong to me which I've been the victim of identity theft. Request the finance company of Exeter finance remove it from my credit report immediately and excuse it from my name and social security number
06/16/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	TX 77075	Web
I was in a major accident and my vehicle was deemed a total loss. Ultimately the other driver was at fault and their insurance company paid out a large settlement to Exeter Finance. I also had Gap insurance which paid out and a refund should've been processed for the remainder of my extended warranty. This was not done resulting in me having a negative remark on my credit report.
10/13/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	GA 30008	Web
I was XXXX XXXX XXXX and didnt understand how credit works. I was a co signer to my aunt who passed away due to XXXX. She was admitted to a hospital in a different state the car company wouldnt let me get the vehicle because I didnt have a license. She paid every month on time intel she passed away in XXXX. By the time I received a letter it was already too late to save the car.
11/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 75060	Web
Exeter finance has reported late payments to credit bureau during pandemic. I have reached out and asked constantly to have resolved. Was told it would be removed from my credit report and has not been done. Due to pandemic I was unable to make payments on time. Although they were not on time I still paid best to my ability and have numerous payments ahead of schedule as of now.
04/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 704XX	Web
Exeter Finance added 120 day late to an account that was 6 years old. This account is hindering me from getting a new home and car. This account was paid with an agreeable to remove the late payment due to the fact that the car was totaled out and the insurance paid for the vehicle I did not have any knowledge that there was a balance and no communication was sent or provided.
05/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MS 38637	Web
There is a discrepancy of a late payment for my Exeter account. For my XXXX and XXXX account, it is stating that I was 30 days late only in XXXX. However, for XXXX, it is stating that I was late 30 days in XXXX only. Also, there is a discrepancy in the balance of my loan amount. For XXXX and XXXX, it is showing a balance of {$19000.00}, but for XXXX the balance {$19000.00}.
02/15/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	IL 60617	Web
Exeter finance has continued to refuse to provide me with copies of my billing statements for the XXXX XXXX XXXX my mother and I are financing through them. They provided one copy of one statement per my last complaint against them but have still refused to mail me my actual billing statement. My mother and I have different addresses and I am not getting anything from Exeter.
06/10/2016	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt was paid	TX 75067	Web	Servicemember
I have disputed this account with both XXXX and exeter finance company about them report inaccurately on my credit report and both have been giving me the run around and neither wants to update as settled. this is not I paid the settlement and neither has reported it to the credit reporting agencies. it reflect as not paid or settled on my credit report for all XXXX agencies.
06/25/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	FL 32771	Web
I went to dealership got approved for a car financed the car paid a down payment on car got my own insurance all to find out I was never suppose to pay a down payment for this car per consumer law code 15 us 1605 finance charge all that was suppose to be include in my fincance charge 15 usc code 1662 state down payments are illegal 15 is code 1635 I have the right to rescind
12/07/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	SC 290XX	Web
Purchased XXXX of XXXX. Paid through XX/XX/XXXX. The loan matured and the only option given was to pay all or surrender. I voluntarily Surrendered the vehicle.It is now showing on me and my wife 's credit report as a charge off with a balance of {$10000.00} when the original loan amount was {$16000.00} after paying on this vehicle for 7 years. The company is Exeter Finance.
11/11/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	GA 310XX	Web
In XX/XX/2020, company known as " Exeter Finance '' charged off an account in the amount of {$15000.00} on my credit report. The company sold the vehicle to another individual and is still trying to force me to make payments. I disputed the debt through credit bureaus because I am no longer responsible for making payments on an automobile that belongs to another individual.
07/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 33311	Web
Re : Exeter Finance Corp XXXX. XXXX XXXX XXXX, Tx XXXX Re : Letter to remove inaccurate inquiry credit information. To Whom It May Concern : I received a copy of my credit report and found the following item to be errors. Here as followed are the item in error. The following inquire needs to be removed immediately : Creditor Name : Exeter Finance Corp Date : XX/XX/2018
06/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 10030	Web
I do not drive. Own a car. I have an identical twin sister, who purchased a car. The following companies have performed hard inquires on my credit report. Our social security number is very similar. However XXXX continues fail with resolution. When I contact these company they claim they do not have record of my account. And can not do anything further and its XXXX fault.
11/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32218	Web
To whom this concern, I am in the process of buying a home, and during that process of getting prepared for the process, I realized I had some damages on my credit report. I have no knowledge of these hard inquires that has been reported to my account. According to the 15 USC 1681 Law there should not be any damages on my credit report, as its a defamation to my character.
08/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 21122	Web
XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
04/17/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 21117	Web
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
01/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WI 53209	Web
I have disputed the account balance with the credit bureaus. Exeter refuses to update the correct balance. My Exeter account # XXXX is being handle by XXXX XXXX XXXX ( acct # XXXX ) for which I pay on every two weeks and payments are submitted to Exeter. My current balance is {$6500.00}. Exeter continues to report the credit bureaus that my current balance is {$9500.00}.
06/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	LA 70058	Web
Exeter Finance is saying I owe them XXXX dollars but I have never purchased anything from them. They put this is in here in XX/XX/2020. It's also saying the bill is late. I don't know who they got this information from but this is not me. They are messing my credit up and I am trying to get it straight. Can you please contact me as soon as possible regarding this matter.
11/22/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77545	Web
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
09/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 36869	Web
I was never late on this paid off account please show me documentation showing proof of transactions showing where I was ever late to support youe inaccurate reporting on my account.if you can not supply this please delete alleged late payments from my credit report per 15 usc1666B a creator may not treat a payment on a credit card as a open ended consumer report plan.
12/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 77301	Web
On XX/XX/XXXX, I contacted Exeter finance concerning a paid off account since XX/XX/XXXX. I was told that there is nothing they can do about it and they can't take it off my credit report. I can't get a mortgage loan due to this account. The company could not help me with this unfair situation. Right now the account is paid off and they can't still do nothing about it.
10/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32218	Web
In XX/XX/2020, I submitted letters to all three credit bureau 's as well as submitted a complaint through Consumer Finance and was advised to contact the companies directly to have the inquiries removed. I did not submit an inquiry to have my credit run for any auto loan and now I have several inquires posted on my credit report nor did I authorize my credit to be run.
03/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TN 37013	Web
I the natural person did not authorize OR granted my permissible written consent to your company to pull my consumer report and neither did you provide me a consumer financial product or service pursuant to Title 12, United States Code, section 5841 ( 15 ). I demand your company immediately purge and delete the unauthorized inquiry from my credit file before ligation.
09/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33181	Web
i called the company on XX/XX/2019 to ask why they pulled my credit report they told me that i do not have an account with them i gave them my information and they could not tell me why. i never ask for credit from them or sign anything to have them pull my report. please have them delete this inquire they could not help me XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
09/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IN 467XX	Web
XXXX XXXX alleges a debt of {$770.00}. My Current Balance as of XX/XX/XXXX is {$430.00}. Exeter Finance alleges a debt of {$11000.00}. FDCPA, FCRA, RISA, MVISA Violations. XXXX XXXXXXXX XXXX XXXX XXXX allege a debt over {$17000.00}. FDCPA, FCRA VIOLATIONS! Misleading, Character Assassination Failing to Credit Account when XXXX XXXX was an ABSENTEE PARENT in XXXX!
05/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 71105	Web	Servicemember
In accordance with the Fair Credit Reporting act XXXX Account # XXXX Exeter Fin, Account # XXXXXXXX XXXX, and Account # XXXX Child Supp has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
06/23/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA XXXXX	Web
XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX I have multiple inquiries from this company showing up on my credit report from the days listed below. I did not authorize these inquiries. XXXX has sent out letters on my behalf to request removal on two occasions. I am a victim of identity theft and I need these inquiries removed as it is messing up my credit worthiness.
08/18/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	LA 70360	Web
My interest rate on this loan is over 31 percent According to title 9, title12 of loan, chapter 1 of section 9:35 00 under the rate of interest can not exceed 12 percent per annum. Pursuant section 9:35 01, any contract agreed between the parties for the payment of usurious interest will result in forfeiture of the entire interested so contacted. Louisiana usury law
04/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IN 46217	Web
on XX/XX/2023 I applied online for XXXX XXXX auto loan for a pre-approval this was disclosed to me that it was a " soft inquiry '' but it was not XXXX sent me a notice of a hard inquiry it clearly states on the website they would not pull a Hard Copy but it was done and has lowered my credit score a called to get removed but nothing but a run around for over 45 mins
06/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90802	Web
During the pandemic it seems that my credit was ran to try to obtain a car. I do not have any open accounts for a car in the last year. I have been calling to get the inquires removed as this is a reflection on my three major consumer reports. Also the information does not match across all three reports and due to that information alone the inquires must be removed.
10/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	CA 91739	Web
the company will not send the documents that have been requested in order to report accurate information on y credit report. I filed a complaint previously and assumed it was resolved when someone form Exeter Finance called and stated they would resend an email that would contain the full account history but that was never sent and I have waited at least two months.
09/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 43615	Web
There is a fraudulent inquiry on my credit report from your company and according to the Fair Credit Act, they will be removed immediately. All needed documentation for this action to take place will be placed in the XXXX below as we have done before. If you guys would read any of the documentation I provide you can see that I've been the victim of identity theft.
11/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32811	Web
On XX/XX/2022, I notice an unauthorized inquiry on my consumer report from ( EXETER FINANCE LLC/XXXX XXXX company. I requested that they send me the written " Permissible Purposes '' document, with no response. I suffered injury to my consumer report and credit score. 15 USC 1681b states that written Permissible Purposes must be given by the consumer and no other.
09/02/2023	Yes	Vehicle loan or lease Loan	Repossession Deficiency balance after repossession	PA 19121	Web
Exeter finance reposed the car XX/XX/2023. They added a slate fee charge of XXXX on top of the balance. They said they put the car up for auction instead of just letting me pay the car off monthly with another payment plan. They need to stop adding late fees when they already have the car. They pack on fees every day but they are not telling that to the customers.
03/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75056	Web
I have reached out too these companies back in XX/XX/2022 in regards too these inquiries on my credit report I have called an they have not been able too provide me with a explanation as too why they are on my credit report so under FCRA 611 ( a ) ( 7 ) I would like for these companies submit verification of signature where I gave them permission to run my credit.
10/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WA 984XX	Web	Servicemember
XX/XX/XXXX My information was used, did not allow my information to be shared, theres no open account Exeter Fin XXXX, TX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX avenue My information was used, did not allow my information to be shared, theres no open account XX/XX/XXXX XXXX My information was used, did not allow my information to be shared, theres no open account
03/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	OH 44077	Web
I have disputed with all 3 credit bureaus a old account that was closed in 2015 with negative information. They fell off and my credit score jumped 60 points. The following month they reappeared and my credit score dropped 60 plus points. This has been going on for months. Ive called the company that issued the car loan, XXXX XXXX etc and nothing. Please help me.
01/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77090	Web
I sent in letters to remove inaccurate credit information With the help of The Federal Trade Commission enforcing The Fair Credit Reporting Act ( FCRA ), which promotes the accuracy of information in the files of the nations credit reporting agencies, we have the power to challenge every questionable negative item on your behalf. we challenged on XX/XX/2021
07/04/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	GA 310XX	Web
This company has charged off the original balance of the vehicle of {$27000.00} but yet reporting a past due balance of {$4100.00}. Every month this company is reporting a balance to my credit report of {$4100.00} to a charged off account. I would like the also like the original contract that I signed with this company that is reporting to the credit bureaus.
02/20/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL XXXXX	Web
On XX/XX/18, XXXX XXXX XXXX tried to validate a debt I am disputing ownership of by sending me a copy of a contract. I do not agree with and have reason to believe I do not owe this debt because the contract provided has someone elses name and address on it. The contract says its with XXXX not Exeter and I have never owned the vehicles listed on the contract.
02/03/2022	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 30117	Web
Company names is Exeter finance I have been harassed for three years for a debt thats not mines I need this company deleted off my credit report immediately I Have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX I may presume that no proof of the alleged debt, nor therefore any such debt in fact exist.
10/22/2020	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	LA 70805	Web
I contacted Exeter to get a small settlement amount on the account and I haven't received a call back. The car was flooded in XX/XX/XXXX, I was still paying on the car, then I stopped because I couldn't afford it. They retrieved the car and resold the flooded car and is asking for the same price according to my credit report. I really want this removed. XXXX
08/14/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Problem after you declared or threatened to declare bankruptcy	GA XXXXX	Web
After the bank ruptcy was filed, it begin to be too expensive. Therefore the car was repossessed and it's no longer in my possession. I would like for the harassment to stop towards myself and my co-signer, we are in the process of trying to rebuild our credit in a proper manner. Not only that my information has also been in the security breach back in 2017.
02/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AL 350XX	Web	Servicemember
I have provided documentation from the car dealership that the car was sold to them before the payment was due. Exeter also provided letter to XXXX STATING I never had a late payment. XXXX REFUSES TO FIX THIS PROBLEM. I have contacted a lawyer and he told me to try this one more time before we filed suit. The Exeter account was never late I need that fixed
12/30/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	NC 283XX	Web	Servicemember
the message is for exeter finance. i was the victim of fraud and id theft and i called the company about this so that they were aware. i explained to them that i want the account closed due to this. they refuse to do so, and i will be getting the NC DOJ involved sooner or later. i sent them a copy of the ftc id theft report and a copy of the police report.
03/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 95206	Web
Recently, I received a copy of my credit report which showed inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it. The Fair Credit Reporting Act states that any Infor motion that is maintained on an individual 's credit report must be accurate. This includes unauthorized inquiries
03/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33936	Web
Opened an auto loan account. Been making the payments timely and the balance has went down. The company has never reported the accurate balance since opening the account. I advised of this, dispute with the Credit Reporting Agency XXXX, and it still has not been updated. Spoke with representatives from the company, and still not being accurately reported.
10/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 91739	Web
They never respond to me and continually report wrong information on all 3 of my reports, I have submitted paperwork asking them to remove it from my report, this company Exeter finance has been reported to the XXXX XXXX XXXX for there unsavory practices to the consumer, they have had many complaints filed against them from consumers to the XXXX XXXX XXXX
08/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 37209	Web
EXTER FINANCIAL FINANCE ARE CAR THAT WAS TOTALED AND PAID OFF WITH INSURANCE CHECK. THEY AGREED TO ACCEPT PAYMENT CLOSE ACCOUNT I DON'T OWE THEM ANY DEBT AND THEY SOLD A CLOSED ACCOUNT TO A 3 PARTY VENDOR AFTER ACCEPTING INSURANCE PAYMENT FOR TOTALED VEHICLE I WANT THIS ACCOUNT REMOVED FROM REPORT I DONT OWE THIS DEBT OR HAVE A ACCOUNT WITH THIS BUSINESS
04/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 91406	Web
I noticed multiple hard inquiries on my credit report from the specific date of XX/XX/22. I did not authorize any of these hard inquiries, nor do I hold an account with any of these companies. My credit score dropped XXXX points because of this. Not acceptable! I have already tried calling each company listed from XX/XX/22 individually to investigate.
02/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NJ 07017	Web
I have wrote a certified to the furnisher EXETER ... .I have filed a CFPB complaint and on each occasion EXETER has fail to provide a sign application for credit thats sign by me giving consent to a credit inquiry. There should be no issues with providing such documentation if this inquiry is absolutely factual as the credit bureaus and EXETER persist.
01/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 601XX	Web
I would like to get these Unauthorized Inquiries off of my XXXX credit report, Please XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Customer service at XXXX would not help correct my file by deleting the unauthorized inquiries reported to my credit report.
12/15/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	TN XXXXX	Web	Servicemember
This incompetent company continues to report my balance incorrectly to the credit bureaus. I DO NOT owe the {$20000.00} that they are reporting. This is another example of a terrible company taking advantage of a consumer. This is also another example to validate all the horrible and terrible reviews that you see about this company online. Unacceptable.
06/06/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	CA 94590	Web
I have became a victim of identity there The accounts are XXXX XXXX accounts it was opened on XX/XX/XXXX these are not my accounts And another one was opened on XX/XX/XXXX for the same company XXXX XXXX it was another account that was open Open ExEter finance It was open XX/XX/XXXX These are not my account they were opened up By someone using my name.
11/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 91324	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company, EXETER FINANCE, is reporting late, yet it is closed and the balance is XXXX as reported. Lets remove this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor remove this complaints.
05/20/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	CA 949XX	Web
We requested just XXXX form Exeter Crop, but Exeter refused to proved us with XXXX form. We need the a XXXX so we can refinance at with lower rate with XXXX XXXX. Because we not happy with hight interest rate which is 14.7 % when have much lower interest rate with XXXX. We do have above average credit. A XXXX Form is a common request between companies.
07/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23464	Web
There has been unauthorized Inquiries on credit account I do not recognize. These accounts fall under the statute of limitations or are misreporting on my credit report. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
09/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Problem with personal statement of dispute	PA 17013	Web
I 'm getting another letter from Exeter Finance saying my paying car off was a trivial matter. They wont take the issue off the XXXX XXXX. I submitted a dispute. The payment in full $ 12,000+ was received from the car dealership and the creditor recorded it as late. It is lowering my credit score and they wo n't take the derog off the report. XXXX
02/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	WI 53216	Web
Exeter Finance has granted deferred payments on this account and they say that they didn't process the paper work on time so that made it late. They say that they record phone calls so the proof will be there that we were never late on this account and yet they refuse to fix it and they will not let consumers talk to the credit department personally.
07/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60616	Web
I recognize that XXXX XXXX submitted unauthorized inquiries on my credit for financing 16 times on XX/XX/2018. Exeter Finance is one of the companies that was solicited. I contacted XXXX XXXX and spoke with XXXX, who identified himself as the Manager. He refused to help. It is unfair that they did that. It lowered my credit score by 200 points.
05/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77469	Web
I asked that you investigate and remove the unauthorized inquiry on my credit report. Exeter Fin Inquiry from XX/XX/XXXX Exeter Fin Inquiry from XX/XX/XXXX Exeter Fin Inquiry from XX/XX/XXXX I checked my report recently and noticed that you did not remove it. Why is that? It appears to me that you don't care about my rights and my creditworthiness.
11/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	DC 20020	Web
I am very upset with this issue. I sent a letter to the Creditors and Collections agency regarding inaccurate accounts on my report. It is now XXXX days and I have not received a repsonse. I did my research and I am for sure that they have XXXX XXXXays to reply back and they have not. I know that failure to respond is grounds for immediate removal.
11/06/2019	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	MI 48076	Web
This company is ruining my life. They have me in this loan with an inflated rate. The car was also totaled out and im willing to pay my balance off because i understand i am still responsible. i was told by one of their employees that i could settle for XXXX i signed documents and called the next day to confirm and they said the agreement was void.
06/30/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	FL 33409	Web
I have a loan on the amount of {$17000.00} I have been making payments for {$480.00} per month for 19 months now and I still have an outstanding balance of {$16000.00}, my money has been going to only interest, if I keep on making this payments I will never pay off my car, advertising was very misleading and the sales process itself was not legit.
09/30/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NY 105XX	Web
Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/XXXX2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.
04/10/2019	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	FL 330XX	Web
Exeter reclaimed a car that was nearly paid off. Only {$500.00} was left to pay for teh car. And the car was also sold at an auction which wiped out the debt. Yet exeter is trying to collect {$XXXX} from me. They are also reporting that account as open on my credit file, which it is not. It os a closed charge off. And the past due amount is wrong
04/27/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	IL 604XX	Web
Im trying to buy a house and purchase a new car, And this is causing deformation to my character and livelihood, Its holding me back from reestablishing myself, This account is more than XXXX or XXXX years old and there still reporting late payments and innacuarate amount, debt has been sold or closed but is still reporting to my credit reports
06/08/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MO 65201	Web	Servicemember
I have repeatedly requested a full accounting of all payments and charges for this account from its Inception to verify the amount owed is correct the company has refused to respond for over 9 months now. The next step is to file a civil lawsuit in small claims court in XXXX Missouri against all board members and directors for the above company
04/11/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	AL 367XX	Web
Exeter Finance LLC I asked them to come pick up the vehicle from the shop because the vehicle kept flooding they refused to pick the car up now the shop wants {$4500.00} for storage and the Exeter Finance still want XXXX on XXXX XXXX. I have reach out to them no solution yet, They now have turn my account over to a third party collection agency
01/06/2016	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	CA 902XX	Web
I applied for an auto loan. Unfortunately, Exeter Financial wanted to charge me an interest rate of 15.4 % which is absurdly high. Exeter Financial has a reputation for charging XXXX and XXXX customers higher interest rates than XXXX borrower applicants. They were trying to charge me an absurdly high interest rate because of my national origin.
05/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 312XX	Web
Please cease and desist all inaccurate reported information on closed account with external finance there are several payments that are reported as bring late with no provided proof of said late payments which are violations of fcra section 609 account had been paid in full and there were no Payments ever made late this violates 15 usc 1681c2
04/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AR 71603	Web
Exeter finance is stating i had an account opened XX/XX/2020 and it is a derogatory account. They they have changed the on time payment amount 2 or 3 times in the past month which has caused me to lose over XXXX points on my credit profile. i have previously disputed this account and sent a method of varication and they never got back to me.
11/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 309XX	Web
I purchased a vehicle In XX/XX/2019 and later filed for bankruptcy. This vehicle was listed on the bankruptcy and during that time I was involved in an accident where the car was totaled however the vehicle is listed as a repossession and late payment even though it was paid in full by the insurance company. This is through Exeter Financial
09/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60640	Web
I noticed unauthorized inquiries on my credit report that I did not authorize, I would like those inquiries to be removed. According to the FCRA these unverified and unauthorized items must be removed. Heres a couple inquiries I do not recognize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXETER FINANCE LLCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
11/09/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	CA 94303	Web
The XXXX is no longer in me or my mothers name. We sold the car to XXXX XXXX of XXXX, CA. Remove or mark as paid in full. We are no longer liable for the XXXX XXXX XXXX. See attached for release of liability. Date of Sale XX/XX/XXXX. All calls should've been stopped, as we are not the owners anymore or liable for the car loan anymore!
06/24/2019	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	OH 44128	Web
Exeter Finance didnt provide any proof of said claim. Exeter stated they reviewed the calls. They even stated the extended. They didnt say it was applied. Exeter Finance is using stall tactics to attemp to reprocess the vehicle during the pending situation. Ive taken steps to prevent that from happening. Until matter is formally handled
05/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 701XX	Web
On XX/XX/2019, Its auto services on my XXXX report. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX On XX/XX/2019, on my XXXX report also hard pulls, XXXX XXXX twice, Exeter Fin, XXXX XXXX I dont understand how they get on my credit report I never approved or signed anything I dont have nothing from these people saying they running my credit
03/30/2023	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NC 27107	Web
Exterer Financial called stated they will be sale my vehicle never received any documents they reported a balance of XXXX dollars on my credit report ask them to provide documentation Report it the the credit bureau to investigate the credit update and have them to provide documents. No documents but still reporting to my credit report
07/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 44102	Web
These inquiries on my report are unauthorized. In accordance with the fair credit Reporting Act XXXX Account, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
07/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60169	Web
Exeter finance still has my car information on my credit report. It was paid off by my insurance company They also have a repossession on my report when in actuality my car was totaled. They also reported 30 and 60 day lates on my credit report while i was in the hospital. After I told them that my car was totaled. They were paid off
03/25/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	GA 30097	Web	Servicemember
The vehicle was in Hurricane Harvey I have paid on the car to save my credit however I can no longer afford 2 cars the car was to be paid off by the insurance company in which I was told my coverage had lapsed at the time. I'm need this corrected on my credit report as a natural disaster so I can keep the little credit I have intact.
07/22/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	DC 20001	Web
Yes I already filed a complaint against Exeter finance and would like all my payments returned bc the vehicle is sold and I refuse to satisfy payments I have already satisfied and wasnt supposed to be returned and I do not owe them anything and refuse to pay this wen they let someone scam me and return all my payments makes no sense
09/14/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	VA 23504	Web
Lost my job due to covid. They wouldnt let me defer payments or lower my payments. I have unable to get unemployment. Just received my backpay and they repossessed my car. Told me I have to pay what I owe in full plus interest and late fees and repossession fees. Theyve been calling me 100 times a day non stop back to back everyday.
03/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94603	Web
Exeter is reporting my account balance as over 20k but on their website it shows remaining balance as {$18000.00}. I've disputed this incorrect information several times but there has been no changes. My report also shows on one part not current but my account is in good standings. This is misleading to anyone who access my report.
12/09/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CA 90301	Web
I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
09/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	TX 77380	Web
At the time of the late payment XX/XX/2020 I was severely impacted by COVID-19. And my job went on furlough and the Texas unemployment had me on hold while they verified with my employer. I incurred a late payment from the finance company on my credit report. The late payment was not a good indicator of my actual credit worthiness.
05/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 90057	Web
I submitted a complaint of the balance that was currently on my account. I was told that it was correct it when I open my credit report on today, I see that Exeter finance has went back on their word and changed the reporting on my credit report back to negative remarks and not the information they stated that would be changed to.
12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77067	Web
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
09/20/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	GA 30458	Web
The car loan that I have is held by Exeter Finance LLC. I've had the loan for approximately 5 years. The loan was for XXXX as of today my balance is nearly XXXX. This is surely an illegal business operation. I have tried to contact upper management about current situation at hand. The vehicle is a XXXX XXXX XXXX purchased in XXXX.
02/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WA 98058	Web
I have been disputing this account since XX/XX/2020 and I have been asking for verification documents to show that this account does in fact belong to me and they have not responded in writing with any information. When I contact these companies by phone they are not even able to locate my account with my name, social and address.
03/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 95242	Web
XX/XX/2017, I took my niece to the car dealership to look at some cars. They ran her credit and said she needed a co-signer. I was told by the salesperson that I would be able to co-sign for her vehicle after he ran my credit with the bank. I discovered later that he ran my credit 4 times with 4 different banks without my consent.
07/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60169	Web
Exeter finance still has my car information on my credit report. It was paid off by my insurance company They also have a repossession on my report when in actuality my car was totaled. They also reported 30 and 60 day lates on my credit report while i was in the XXXX After I told them that my car was totaled. They were paid off
05/20/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	PA 19401	Web
I purchased and vehicle on XX/XX/16 for XXXX @ interest rate of XXXX - my monthly payments are XXXX Recently went on my account to determine my pay-off balance as well as the contractual terms.In doing so, I could not find my PRINCIPAL balance. I ask the loan personnel for a copy of my PRINCIPAL ONLY balance but was not given it.
09/16/2023	Yes	Vehicle loan or lease Loan	Repossession Company explaining amount owed	FL 32819	Web
When making a payment I was told that I could set up arrangements after wards once I paid they said arrangements didnt exist theres was lack in communication they would only call doing my work hours I had precession of my phone never received letter of reprocession car gone is in there custody and still telling different charges
08/22/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	GA 31210	Web
The original creditor is exeter finance which the debt was in the amount of {$10000.00} on a car loan. exeter has reported my debt as a charge off and i never recieve a 1099-c form. After exeter put my debt as a charge off They sent my debt to XXXX management and they are illegally coming after me for a debt that been paid off.
07/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32244	Web
I sent a certified letter to the company multiple times and tried to call the company to remove the inquiry from my credit report and was informed to contact the company that did the inquiry to have them remove the inquiry from credit report. I contacted the company and was informed by the company to contact the credit bureau.
06/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Didn't receive services that were advertised	GA 30297	Web
1 regional XXXX addr XXXX XXXX XXXX XXXX nc XXXX i didnt have anything is sv with this company or anything .but i fine out is in my transunion credit report 2 exeter fin XXXX XXXX XXXX tx XXXX XXXX i have call this 2 company up and tell them take of my tranunions report but they still not do anything i belifive idennity teft
08/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NC 27028	Web	Servicemember
Exeter Finance refuses to supply the REQUIRED documents for account # XXXX. Ive requested the legal notices that were sent to me as proof of the date and time of the resell also Exeter refused to send legal copies showing the amount they received after the sale Exeter has not provide copies of the legal notices for anything.
08/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90016	Web
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
07/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60649	Web
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
10/09/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	IL 60153	Web
My promissory note is what paid for this consumer transaction, I don't see how I owe you when promissory notes turn into negotiable instruments. Please provide the documents I asked for in my debt validation, cease and desist, and Debt Declaration. Also, please respond to my Affidavit with an Affidavit. Account number : XXXX
10/08/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	IL 60647	Web
My promissory note is what paid for this consumer transaction, I don't see how I owe you when promissory notes turn into negotiable instruments. Please provide the documents I asked for in my debt validation, cease and desist, and Debt Declaration. Also, please respond to my Affidavit with an Affidavit. Account number : XXXX
11/25/2023	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	IL 604XX	Web
Someone from company keeps calling and sending letters for unpaid debt after Ive asked not to from Exeter finance and they have called multiple people around which has me guessing how did they receive that persons phone number or anything I feel harassed by this and they are steady reporting to my report I want this to stop
05/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92551	Web
I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XX/XX/XXXX Balance : {$18000.00} EXETER FIN XX/XX/XXXX Balance : {$22000.00} XXXX XXXX XXXXXX/XX/XXXX Balance : {$560.00} XXXX XXXX XX/XX/XXXX Balance : {$12000.00}
05/11/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	CA 91910	Web	Servicemember
Exeter finance has refused to repay {$7000.00} in overcharged interest to myself after invoking my SCRA rights. they are instead set on putting that towards the principal of the loan, violating federal SCRA. i have tried to contact them regarding this and explaining that is in violation and i am repeatedly told it is policy
05/23/2022	Yes	Debt collection Auto debt	False statements or representation Told you not to respond to a lawsuit they filed against you	GA 30117	Web
Exeter finance has been threatened me with lawyers and call plenty of times to get resolve this a fraudently account they opend more then XXXX account in my name non consent withought my persmission now I work to get them off two credit agency so the are still trynabreport to equifax illegally and and open a nother account.
11/08/2021	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MD 21133	Web
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. EXETER FIN is reporting late as reported in my Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
06/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	MD 21009	Web
I noticed multiple hard inquiries on my credit reports that I didn't authorize nor did I benefit from the inquiries. The date was XX/XX/209. I have reached out to each of these companies on multiple occasions letting them know that didn't have permissible purpose but they have not removed these unauthorized hard inquiries.
02/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	WI 53216	Web
Exeter finance has my credit reporting XXXX, and XX/XX/XXXX these dates are showing 30 days and 60 days late on my credit report. XXXX and XXXX haven't properly investigated my complaint because I have attached proof and they totally disregarded the proof I sent. Some of the late remarks were in deferment and I have proof.
09/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29414	Web	Older American
Exeter finance states that on XX/XX/2017 I applied for a loan which I never did. There are hard inquiries on my credit reports with XXXX XXXX, XXXX and XXXX. I called Exeter finance and they stated there were no accounts under my name and they wouldn't take this fraudulent hard inquirie information off my credit reports.
06/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	MD 21207	Web
XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from EXETER FINANCE CORXXXX located at XXXX XXXX XXXX XXXX, TX XXXX showed on my XXXX credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.
08/14/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28208	Web
I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times. Ssn XXXX
06/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 27604	Web
I have filed disputes with XXXX for my Exeter Vehicle loan account with the last XXXX of the account # XXXX. I paid this account in full on XX/XX/2023. On XX/XX/XXXX XXXX reported this account past due with a balance. Also the date of first delinquency is incorrect. XXXX is blatantly reporting erroneous information.
12/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 15212	Web	Servicemember
Per FCRA 604A 15 US CODE 1681 B, there never was written consent to report anything and 605A 15 US CODE 1681 C1 without written consent is identity theft. However, the account is paid off and is reporting as both paid on one credit report and derogatory on another. Also it states it a charge off so it can't be all three
09/10/2019	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	TX 77088	Web
Between the dates of XXXX - XXXX & XXXX - XXXX it has my credit report saying that i was late. I called them to have it fixed but they said they would not change it on my credit report even though i am up to date and have not been late since XXXX of XXXX because of the downturn of the economy in the oil and gas sector.
06/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	KS 673XX	Web
I looked up my credit and I have lots of auto loan places that checked my credit without my permission I never once talked to them or even seen them in person to give them permission for anything. The only place that I have a loan with is XXXX XXXX and that should and would be the only place I would have on my credit.
08/22/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	CA 95628	Web
Called to get a deferment on the loan due to hardship caused by COVID. ( We were unemployment ) was told by this company they werent offering them unless payment was late. Traded the vehicle in the dealership was late on paying the old vehicle off. We called loan company they told us there was nothing they could do.
09/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 398XX	Web
I want these inquiries deleted because I did not authorize these companies to run my credit. I have two inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Exeter Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
04/04/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	MN XXXXX	Web
I made a payment to what I have left of the loan. I just ask for a statement that says Everything is paid off and there telling me different dates and Exeter Finance say they will send it repeatedly. I have called them more than 10 times to ask for a payoff statement or paid statement and they do not send anything.
03/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 318XX	Web
I mailed the companies a hard inquiry removal letter on XX/XX/2020 with companies that I did not recognize on my credit report and when I call the companies to see if the have received the letters they stated they did not receive them. I believe this to be false and would like to your company to file a report also.
12/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33324	Web
So Exeter finance is reporting different information on each reporting agency, because of the incorrect information it is reporting they have already removed from XXXX and i am trying to get them to follow suit with the other reporting agencies. no help from the company to my numerous attempts. please can you help
08/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92377	Web
Exeter finance is my auto loan company, they have XXXX, XXXX and XXXX marked at XXXX days late. However, I have made proper arrangements with them to defer payments to the end of my loan as well as made payments to keep my loan in good standing. I sent a letter of validation to them in which they did not respond.
04/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32244	Web
In accordance with the Fair Credit Reporting Act Exeter Finance LLC Account # XXXX, has violated my rights. 15 U.S.C. 1681 Section 602 A states I have a right to privacy. 15 U.S.C. 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an account without my written instructions
11/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30311	Web
XXXX Accordance with the fair credit reporting act XXXX XXXX XXXX XXXX Exeter Fianc has failed my rights XXXX XXXX XXXXXXXX XXXX A states I have the right to privacy XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : it also states XXXX consumer reporting agency can not furnish a account without my my written instructions
03/29/2015	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	IL 61820	Web
got me on a computer calling machine after I talk to a representative off this company they continue to call me XXXX times a day, I have already made payments for automatic withdraw from my checking account, and they still harass me, I also told them not to call me on the XXXX and yet I recieved XXXX calls today.
07/30/2019	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	SC 29841	Web
Exeter Finance calls repeatedly from different numbers after Ive requested a legal signed documentation for said debt. Exeter continues to say go to dealership but in order to report or collect a debt they must have a legal signed documentation with my name on it. Ive requested that from them but never received.
08/13/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28208	Web
I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times.
06/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92284	Web	Servicemember
In accordance with the Fair Credit Reporting act, Exeter Finance LLC acount # XXXX violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
08/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21014	Web
There is an Inquiry on my Credit report that should not be there from a company called Exeter Finance XXXX that should not be on my credit report. My name is XXXX XXXX XXXX. The person the inquiry is for is someone named XXXX XXXX XXXX!!! I would like this Inquiry removed as soon as possible please! Thank You
05/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 91762	Web
An inquiry was placed on my credit report on XX/XX/XXXX in which I personally never applied for from this Company. Nor have I ever heard of this organization. I reached out to this company on XX/XX/XXXX and was told inquiry would be handled. I never received any documentation and inquiry is still on my report.
08/02/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	NY 146XX	Web
EXETER FINANCE is report account as current and also as I charge off/collection account how can an account be current and a charge off. also reporting different open dates and last date of payment. this company is reporting inaccurate Information and hurting my credit rating PLEASE REMOVE ACCOUNT IMMEDIATELY
08/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 31907	Web	Servicemember
My information is being use to attempt to open accounts XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XX/XX/2019
11/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30060	Web
There are inquiries on my credit report from companies that I've never heard of. I tried to reach out to find out who they were and who authorized them. I've had difficulty. I tried disputing as well and it's still on my credit report. These companies were not authorized to access my personal credit report.
06/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	GA 30122	Web
These debt collectors engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
09/12/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	AL 36605	Web
This company has a fraudulent inquiry reporting on my credit file and I have called the company several times only to be left on hold or someone acts as if they will help me and then the phone mysteriously disconnects. All I want is a fair investigation as described in the Federal Fair Credit Reporting Act.
10/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30331	Web
This is concerning Exeter finance. This Is not my account. The name is spelled differently and social is different and also address. I sent in my social security card copy, ID and they promised to remove it and never did so. I need the account to be blocked and removed from three credit bureaus. Thank you.
06/14/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	NY 117XX	Web
I received a letter from XXXX XXXX about an attempt to collect. I responded to said letter with a request on proof of verification, which has yet to be responded by from XXXX XXXX. I sent the letter by Certified mail, tracking # XXXX XXXX XXXX XXXX XXXX confirming they did in fact receive this on XX/XX/21.
10/21/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TN XXXXX	Web	Servicemember
This company REFUSES to let me make principal only payments. After being told several times that once my loan was paid 3-months ahead that all payments would be 100 % applied to principal ; this has not happened. My loan is 3 months ahead and I continue to get the run around on the phone with this company!
07/27/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI XXXXX	Web
I would like to make arrangements to settle the above referenced matter. Please provide me with your statement of the amount owing as of XX/XX/2018, together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form.
11/14/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 32503	Web
The Car was at auto shop getting an estimate to get repaired. The mechanic talked to XXXX at Exter finance company. He ( mechanic, ) stated the transmission and motor car was damaged which caused the repairs to be expensive therefore XXXX at Exter said that they will write it off per say the loan company.
05/28/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	MO 65202	Web
15 U.S. Code 1605 - Determination of finance charge States that I should not be paying a down payment for a car loan. In my case during Covid Exeter Finance had us trade in our car for {$500.00} and also had us put {$500.00} in cash down. We also couldnt get the vehicle off the lot without car insurance.
12/02/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	LA 70115	Web
Exeter Finance is sending me emails related to one of their account holders " XXXX XXXX '' - I am not XXXX XXXX and do not know any XXXX XXXX. I emailed them. I also called them. When I tried to explain this to the account representative, he advised that they can not delete my email from their account.
05/30/2019	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	NC 28216	Web
I've had numerous conversations with this creditor and advised that I can not receive calls at my job regarding this matter. Creditor has my personal contact information and despite me advising that i can not receive these calls they've still attempted to contact me at work as recent as today XX/XX/2019.
09/15/2020	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	GA 30342	Web
In accordance with Georgia Law, specifically Code Section 10-1-36 of the Official Code of Georgia, Please provide the following documentation : -Proof of repossession -A copy of the notice of the seller 's or holder 's intention to pursue a deficiency claim against the buyer - Letter of sale at auction
04/17/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CA 90250	Web	Servicemember
I told the company I wanted to voluntarily turn my car back in. Once they received it, it was reported as a involuntary repossession. I have not received anything in writing stating the final sell price of the vehicle, or anything about what was due after the car was received by the company last year.
09/12/2023	Yes	Vehicle loan or lease Lease	Repossession Account reinstatement or redemption after repossession	SC 29456	Web
I became XXXX and was XXXX and XXXX XXXX I informed the company after sometime they came to get my car and it wasnt at the location it broke down I told them exactly where the car was and all this was 9 years ago and its still on my credit and recently in XX/XX/2023 there is a new inquiry from them
07/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30344	Web
I want to emphasize that I have not applied for any credit or services offered this company nor have I granted permission for them to access my credit information. Therefore, the inquiry ( s ) made by this company are unauthorized and potentially damaging to my credit score and financial reputation.
07/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 330XX	Web
Exeter Finance Company took the car after receiving a payment that month - by coming onto private property without Police. They claimed that Pennsylvania does not required it. To date- they are reporting the vehicle debt as new and regularly report late payments when the car was taken in XX/XX/2017.
04/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90047	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX reported on behalf of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dates : XX/XX/2016 XX/XX/2016 XX/XX/2016 and ... XXXX XXXX reported on behalf of : Exeter Finance XXXX XXXX XXXX # XXXX XXXX, TX XXXX this information is false. Please have it removed.
10/22/2023	Yes	Vehicle loan or lease Loan	Repossession Loan balance remaining after the vehicle is repossessed and sold	PA 19121	Web
Exeter finance charged off this account as a bad debt. They have yet to send me a 1099c form and also a proof of sale XXXX they sold the vehicle. They added all these charges on the account after they charged it off in XXXX and also after they sold the car for XXXX and it was worth more than XXXX.
10/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48228	Web
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states i have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
11/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30291	Web
My information was stolen fraud was committed credit cards was opened cars was leased {$5000.00} Exeter finance {$1000.00} XXXX XXXX XXXX {$630.00} XXXX XXXXXXXX {$470.00} XXXX XXXX XXXXXXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$4700.00} XXXXXXXX XXXX {$580.00} XXXX XXXX {$4300.00} XXXX XXXX XXXX
10/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 308XX	Web
In accordance with the XXXXair Credit act EXETER FINANCE Acct # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
02/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30291	Web	Servicemember
The finance company allowed 4 deferred payments and it has been stated that we have to ask for a hardship removal when I actually was allowed deferred payments put at the end of my car loan. I have disputed and nothing has happen and trying to pre qualify for a home my score has dropped 100 points
02/15/2021	Yes	Vehicle loan or lease Lease	Getting a loan or lease Confusing or misleading advertising	FL 32548	Web
On XX/XX/2021 a vehicle was purchased at XXXX XXXX in XXXX, Alabama. The amount advertised was {$18000.00} and the amount financed is {$19000.00}. By the time I will be done paying for the vehicle, I would have paid {$38000.00}. I have reached out to the company via mail to get the issue resolved.
04/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11553	Web
CREDITOR NAME : EXETER FINANCE LLC AMOUNT : {$29000.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX XXXX XXXX AMOUNT : {$320.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX XXXX - AMOUNT : {$560.00} - DATE OPENED : XX/XX/XXXX - ACCOUNT NUMBER : XXXX
05/16/2019	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	NC XXXXX	Web
I get behind on my payments due to lack of work and repairing the vehicle. I already paid the initial price for the car, {$16000.00}, and Exeter finance always call and harrass me..they disrespects me and threatened me to take my car ... interest rate is high and they won't refinance my vehicle.
05/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 301XX	Web
In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 15 usc 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
09/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30120	Web
I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
12/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29349	Web
Why is XXXX reporting account closure information on XXXX A. not all account closures have anything to do with me. It was a bank error regardless it looks bad for me. XXXX. XXXX is this secondary company to compile information? EXETER FINANCE CORP XXXX XXXX XXXX XXXX XXXX XXXX. MN XXXX XXXX
04/10/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	CA 920XX	Web
I sent Exeter Finance XXXX an instrument for full satisfaction of the claim and was accepted. Exeter continued to send me a presentment/bill for payment, an account of which was satisfied. They reposess the vehicle dishonoring the amended contract and now is a negative mark on my credit report
04/14/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	OH 441XX	Web
I do not owe this account or the money I have previously filed a complaint with exter and XXXX and have not heard anything from them or you regarding this negavite report I would like a validation of this account and the amount this company is reporting I 've already provided the documentation
06/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30318	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
07/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28348	Web
In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
05/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 290XX	Web
Please see identity theft report. I have consistently disputer fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
10/29/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NC 28027	Web
XX/XX/2023 Amount : XXXX Acquisition or Abandonment of secure property 1099-A ( It has been over 30 since I sent my approved 1099-A to Exeter Finance Corp located at XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX phone Number XXXX. I never received a letter nor a call back in reference to my 1099-A.
07/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 231XX	Web
In accordance with the fair credit reporting act Exeter Finance has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions.
08/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC XXXXX	Web	Servicemember
i paid my account in full with XXXX XXXX and exeter finance. i would like for those XXXX companies to have the credit bureaus delete the account information from my credit report. for some reason on XXXX and i believe on XXXX, the accounts are still showing on there after i paid them off.
07/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 231XX	Web
In accordance with the fair credit reporting act Exeter Finance has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions.
01/13/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 704XX	Web
The only time a consumer reporting agency may furnish a consumer report are under the following circumstances and no other : ( o ) In accordance with the written instructions of the consumer to whom it relates. I Did NOT give you written instructions to furnish this on my credit report!!
12/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90034	Web
I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and XXXX XXXX XXXX to have the inquiry removed from my XXXX account on. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/2021
05/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 483XX	Web
Date : On XX/XX/2017. Someone stole my information and applied for loans. Now i have 6 inquiries on my credit report. I never applied for, co-sign, or gave any of my information to XXXX, XXXX XXXX XXXX, XXXX XXXX, Exeter Fin, and XXXX XXXX. Please help my get these off my credit report.
11/25/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 30318	Web
In XXXX of XXXXI entered a consumer transaction with XXXX of XXXX XXXX in XXXX. Exeter Finance is in violation of 15 USC 1605. The finance charge is the sum of all charges however I was charged additional fees totaling XXXX. All alleged debt is confusing, deceptive and and misleading.
04/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37207	Web
This account is no longer mine. This is a notice pursuant to FDCPA 15 USC 1692g stating your claim is disputed and validation is requested. FDCPA Section 807 ( 8 ) states if you can not validate this debt you must request that all credit reporting agencies delete the entry IMMEDIATELY!
07/03/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 95307	Web
Exeter XXXX keeps calling my cell number and work trying to get me to payan outstanding balance of {$360.00} they say I owe for a late payment that theycant tell me what month exactly it is that was not paid. Their are also showingnegative info. on my credit report due to this problem.
09/22/2022	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	TX 762XX	Web
I sent a cease and desist letter to the debt collector Exeter Finance that was received in their office on XX/XX/2022. They contacted me today, XX/XX/2022, via telephone in regards to the debt and informed me they had received the letter but did not note that it was a cease & desist.
08/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60639	Web
I been asking Exeter to provide me more information on a account that they been reporting on my account for 6 years Been asking and calling since XXXX 2020. With no response. Was asking for contract. Payment history and what the vehicle was sold at a auction. Paper work from auction.
03/24/2022	No	Vehicle loan or lease Loan	Struggling to pay your loan Problem after you declared or threatened to declare bankruptcy	VA 22309	Web
I CALLED AND EMAILED EXETER FINANCE ABOUT REPOSSESSING MY XXXX XXXX XXXX. THEY WAS SUPPOSED TO PICK IT UP SEVERAL MONTHS AGO AND NEVER DID. I DIDN'T RECEIVE ANY NOTIFICATION, MAIL OR EMAIL. NOW MY LICENSE IS SUSPENDED DUE TO THEM NOT GETTING BACK IN TOUCH WITH ME IN A TIMELY MANNER.
10/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 89128	Web
I have contacted Exeter Finance LLC, over the phone four times, over last several months and once via certified letter, asking for a complete copy of my original loan agreement. The loan was paid as agreed and paid off prior to them transferring the loan. Exeter has not responded?
10/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 89128	Web
I have contacted Exeter Finance LLC, over the phone four times, over last several months and once via certified letter, asking for a complete copy of my original loan agreement. The loan was paid as agreed and paid off prior to them transferring the loan. Exeter has not responded?
10/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA XXXXX	Web
I am writing to dispute the following information in my file. My credit report showed credit inquiries that I don't recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file. Please remove this inquiry from my credit report. XXXX XXXX : XX/XX/2018
01/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	SC 29406	Web
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
04/24/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	OH 447XX	Web
I paid off the loan and they claimed it was paid late reflecting on my credit report for the last two years Ive contacted them theres been no efforts to help with this problem. I made every payment on time as contractually agreed yet still they say the last payment was paid late.
12/09/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 30093	Web
My car payment is {$610.00} I have paid a total of 7 payments, All of which are paid prior to the due date. Not only have I not be given ANY CREDIT AT ALL for the {$4300.00} that ive paid. This morning they reported to XXXX that my total loan amount just increased by {$420.00}??
11/22/2020	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	FL 33137	Web
XXXX XXXX XXXX Act. # XXXX {$6700.00} There is also a collection agency by the name of " XXXX XXXX XXXX '' that is also trying to collect a debit at different amount. There are big discrepancies There is a soft pull on my credit file please delete this account from credit report.
06/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32073	Web
On XX/XX/2020 XXXX finance stated I was 30 days late when I hear checked my credit report. I was not 30 days late, 30 days late would have been on XX/XX/2020 and on XX/XX/2020 I made my FULL payment so I was never late. I called asking them to remove it but stated they would not.
11/27/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	NV 89110	Web
Exeter Finance LLC is reporting an auto loan as a joint owner to my credit report. I have not sign or given my authorization to get any vehicle under my name as primary or co-signer. This vehicle begin reported in my credit report is affecting my finance reputation notability.
05/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	TX 78664	Web
I have been a victim of identify theft yet again with XXXX. I have no knowledge of this account with Exeter Finance LLC/XXXX which has opened an account with my social security number and card. I am unaware about any of this and the FTC already has an investigation in motion.
05/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 303XX	Web
I sent a factual dispute of my 3-bureau credit report directly with Exeter Finance and they found that their records were accurate. That is IMPOSSIBLE with all the errors I found on the accounts I have with them. I will attach supporting documentation to support my position.
06/24/2019	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	PA 171XX	Web	Servicemember
XXXX XXXX XXXX I voluntary repossession to this creditor resulted in the car being sold far below market value the value I owed with interest is about {$12000.00} they sold the car at auction for {$800.00} they had my new address failed to inform me of any details or options
12/21/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	PA 18411	Web
I made my XXXX payment to Exeter Finance Corp by check and it was not credited to my account. I have faxed and emailed a copy of the check that cleared my bank weeks ago and they are still calling me 4 -5 times per day for the payment and are threatening to repossess my car.
02/19/2020	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NY 130XX	Web
On XX/XX/XXXX, I initiated a dispute in regards to a negative remark on my credit report. However, Exeter Finance is reporting an old unpaid debt on my credit report. This debt was settled with XXXX XXXX and Exeter refuses to update to paid or remove account from my report.
03/20/2016	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	VA 22408	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX dob XXXX/XXXX/XXXX SS # XXXX EXETER one has agreed to remove the unauthorized inquires from my XXXX report. I did not apply and have no credit with these people. EXETER XXXX/XXXX/XXXX my id is attached please verify my signature
01/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 620XX	Web
I spoke with a repersentive at XXXX to report a numerous amount of hard inquires that Im unaware of. They refuse to remove the inquires and directed me to the creditors in which theyve also denied my request to remove them. It was bacially like a back and forth situation.
05/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MO 640XX	Web
They reported a loan payment as late when it was actually paid up ahead, it caused my credit score to go down 60+ points. It was fixed on the consumers report but not mine. I am a co-signer of this loan and the company never even contacted me in regards to the payments.
10/20/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 76227	Web
It has been since long time ago, about XXXX to 4 years ago that i have submitted inquiries to get removed from my credit report without my authorization and none of the creditors had taken action and my credit score it is really bad due to the crazy amount of inquiries.
01/12/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	NY 14450	Web
XXXX 2017 I purchased a car from XXXX XXXX in XXXX NY. I put the money down and drove the car for 3 weeks when XXXX XXXX decided they cancelled the loan. However I never received a letter to that effect. So I been driving the car but no finaning. Its insured and legal.
11/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33444	Web
I was checking my credit report i've seen a lot of hard inquiries, on my report which i did not make on my own. I think they may have been fraudulent, i want them to be removed as soon as possible. Thank you. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
12/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 704XX	Web
I did not give any of these companies my permission to use my information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
01/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	GA 30092	Web
Sent out verification form, no one every sent verification of account back over... The information under the accounts dont match the open date, the late payments date dont match, the high credit amounts dont match, the report date and last active dates are no match
02/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 39157	Web
Exeter finance lender money for car sum of approximately {$21000.00} XX/XX/2012 with agreement of 72 month payment plan upon completion of 72 payment plan a sum of approximately {$12000.00} was still owed on vehicle therefore vehicle was forfeited to finance agency
04/17/2017	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	OK 74133	Web
My loan is not correct. Exeter Finance will not even attempt to assist. I have a contract from XXXX that has a loan financed amount and payment amount. Exeter says my payment is over {$300.00} more per month and says I owe way more that I financed. They are crooks.
01/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AL 35242	Web
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
12/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 320XX	Web
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
04/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	RI 02879	Web
Between XX/XX/2017 and XX/XX/2017 I received a lot of hard inquires from auto financing companies that were not authorized by me. I wanted these removed since they have significantly lowered my score and I did not request them but these companies will not remove.
11/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	PA 19121	Web
Exeter finance deleted from XXXX but did not delete from XXXX or XXXX Once an account gets charged off you can not keep that on my credit report for that is income to the irs once they send the 1099c cancellation of debt form from that creditor. 15 usc code 1681
11/09/2023	Yes	Vehicle loan or lease Loan	Repossession Notice to repossess	HI 96797	Web
I SPOKE THE COMPANY FRAUD DEPT! THE AGENT TOLD ME TO WRITE MY SIGNATURE 5x AND SEND IT BACK ON THE EMAIL ADDRESS AND DID NOT GET BACK TO THE COMSUMER! THEY NEVER FIXED ANY OF THE PROBLEM AND IF THEY DO NOT FIX IT I WILL SUE EXETER FINANCE LLC TERRRIBLE BANK LOAN
11/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30013	Web
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
08/12/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	NV 89149	Web
Exeter Finance has hired someone who is contacting many people that are related to my fianc and asking for my address and information stating that they were hired to do a service for my upcoming wedding and need to get in contact with me regarding the service.
01/07/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	NY 10031	Web	Servicemember
i have notified EXETER finance on several occasion that the account does not belong to me and its fraud on my account, which they have chosen not to remove from my credit report. its in charge of status on my credit report and the past due amount is {$9000.00}
12/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 283XX	Web
I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ). ANOTHER METHOD PEOPLE DO IS JUST FILE AN FTC REPORT WITH ALL THE ACCOUNTS LISTED
05/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Didn't receive services that were advertised	AL 351XX	Web
I went to get a car from XXXX and ran my credit a total of 30 times, I have them {$2000.00} in cash as a down payment. Three days later I had to bring the car back because the lender that agreed to do the loan reverse their decision and turn down the loan.
08/07/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 90044	Web
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
05/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27704	Web	Servicemember
I sent XXXX and XXXX Police report and Ftc report on the XXXX of last month showing this account is not mine and to please at least verify me with proof that ist mine and they just said verified. I would like this deleted from my XXXX and Transunion file.
04/03/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with signing the paperwork	GA 30144	Web
I had purchased a XXXX XXXX XXXX from a dealership in XXXX. Approved me for financing. Then 6 days later, issues with paperwork. Because they could not decipher the income. Also they do not use unemployment or any business that's self employed as income.
07/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 22191	Web
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
04/30/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	GA 312XX	Web	Servicemember
the account was open XX/XX/XXXX the original amount {$13.00}, XXXX this account is supposed to be charged off on XX/XX/XXXX the lender was only to us me a creditor at the time causing my credit score drop. if you can please remove lender from my credit.
10/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	OH 44077	Web
I have filed a dispute and info still has not fallen off. I filed a complaint with the CFPB and finally got a response in XXXX. They responded to the complaint by stating that it would be removed in XXXX. Its still on there. Refer back to complaint XXXX
02/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	WI 53216	Web
XXXX and XXXX both were sent documents that showed I was never late on Exeter Finance and they refuse to view my documents and fix the error. The company say that they use the day they process and not the actual day they receive payments and paper work.
01/17/2023	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Contacted your employer	CA 93703	Web
The car was deemed total loss and being taken care of by XXXX. Exeter finance then contacted my employer and gave them personal information. I called the company previously and asked them to not contact my employer in regards to my personal auto loan.
10/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 773XX	Web
There are Multiple accounts that are fraudulent on my credit report and I have reached out to the Creditors and Credit bureaus to supply with all supporting Documation on many different occations and nothing was removed or the issue wasn't resolved.
07/23/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 78218	Web	Servicemember
Exeter Finance has continued to report my account late to the credit bureaus for the last year. Yet I have made my payments on time and have been up to date. They keep saying it is not them but it is the way they are reporting to the credit bureaus.
02/18/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 32826	Web
I have an issue with Exeter Finance not removing the hard inquiry due to the fact that I have paid the remainder of the debt to the third party they have sold the debt to. Under the CFPB, I demand this hard inquiry be removed from my credit report.
07/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WA 98059	Web
I was working XXXX day on XX/XX/2018 closing shift and got a notification with a lot of inquire I did not apply for I called and asked the representative to remove them off my credit report and customer service was rude and wouldn't take care of it
11/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	UT 84041	Web
1. On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 2. On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 3. On XX/XX/2020, EXETER FINANCE CORP add a hard inquiry on my credit report per XXXX.
03/15/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	LA 708XX	Web
Due to a recent repossession in 2016 I should be no longer in debt to the finance company since vehicle was confiscated which means I am no longer in debt to finance company and should not be reporting negatively on all XXXX of my credit reports.
12/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33063	Web
Had a XXXX XXXX XXXX XXXX and it was a voluntary repo with Exeter finance and they are reporting the account incorrectly and it was sold via auction. Reached out to company I no longer owe balance and report correctly but they will not respond.
08/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30083	Web
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.
08/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CT 06902	Web
I am currently experiencing a problem with my credit report which involves my report being delinquent with late payments.I WANT SUCH LATE PAYMENTS TO BE REMOVED FROM MY ACCOUNT IMMEDIATELY AND PERMANENTLY. XXXX XXXX XXXX AND EXETER FINANCE LLC
06/01/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	NJ 080XX	Web
AROUND XXXX I NOTICED SOME INFRACTIONS WITH MY LOAN SO ON XXXX I SENT A CEASE AND DESIST LETTER PLUS A AFFIDAVIT ALONG WITH A DEBT VALIDATION LETTER TO ADRESS MY CONCERN NO ONE EVER RESPONSE TO MY LETTERS THEY ONLY SENT THREATS I HAVE THE PROOF
03/23/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	GA 301XX	Web
I bought a car on XX/XX/2022 at XXXX. I had to return and re buy it again XX/XX/2022 due to the salesman did not include the extended warranty. The lienholder Exeter Finance only shows one loan. However, all three credit bureaus show two loans.
05/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TN XXXXX	Web
On or about XX/XX/2018 a XXXX inquiry showed up on my credit report from Exeter Finance Group. I do not know who this is. I have never applied for any gpods or services from them and have never authorized any inquiries into my credit from them.
07/25/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30013	Web
XXXX XXXX 2016, an hard inquiry pull was made on my credit report. To my knowledge of this unknown agency who I DID NOT give con sent to, I will like see valid validation of my consent and signature to have my credit pull from this company.
07/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77084	Web
I XXXX XXXX Did not authorize Exter Finance to run a report on my credit report. This is unauthorized and should be removed immediately. Exter Finance ran these inquiries on XXXX XXXX without permissible purpose, or my written authorization.
11/24/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	WA 98034	Web
this company called XXXX XXXX is a riff company paying car bills for alost 3years failed to provide gap when i bought the and over charging me i was giving the chance to go throu the loan and for me and the interest. amount remaining blc XXXX
06/05/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX XXXXX	Web
I did not authorize this company to check my credit. I do not have any agreements with them so the inquiry on my report needs to be remove. They are saying someone else requested but it was a pull from there company. Please remove immediately
11/30/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with additional products or services purchased with the loan	VA XXXXX	Web
I am requesting proof that a check was sent in my name to XXXX XXXX, please provide me with proof that I actually owe a debt, you are reporting incorrect information on my credit reports! Please remove until investigation has been completed.
04/29/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	LA 705XX	Web
XXXX XXXX XXXX XXXX la XXXX I gave a down payment for my used XXXX XXXX XXXX {$3000.00} cash on XX/XX/XXXX Upon reviewing my contract it states a credit Which is a violation 15 usc 1605 ( a ) ( c ) This contract is now considered fraudulent
05/31/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	TX 75605	Web
I had car XXXX XXXX XXXX with them I had the car accident in it the car someone hit me the gap insurance an d their insurance paid the rest and they want remove it off my credit Exeter fianc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX
02/16/2017	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt resulted from identity theft	PA 190XX	Web
I filed a report of identity theft with Identitytheft.gov and with the XXXX police department. I have repeatedly informed Exeter of the fraud but, hey refuse to investigate and will not take the fraudulent account off of my credit report.
10/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33319	Web
I have late payment entries that have been recorded on XXXX, XXXX ; XX/XX/2019 ; XX/XX/2019. I have a solid track record of making on-time payments for this account. Therefore, I have reason to believe that this reporting is inaccurate.
09/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MD 20774	Web
XX/XX/2021 The account with Exeter XXXX was charged off this truck total {$14000.00}. Leaving me very inconvenienced. I tried contacting the company no information on my account and I need to have this removed from all 3 credit bureaus.
10/07/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TN XXXXX	Web	Servicemember
Month after month I call this incompetent company to stop paper statements from being mailed to my house with no results. I have checked the option on their 1980 style website and they still send me paper statements. WHY IS THIS SO HARD?
01/15/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TX 752XX	Web
Exeter will not allow me to make payments on my loan. They want to repossess it and continue to charge fees in extreme access. They refuse payments and want the balance in full after paying over {$12000.00} over 4 years. This is unfair.
07/03/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	GA 30132	Web
Inaccurate account on my credit report, XXXX XXXX XXXX has canceled debt reported as debt, no 1099C received, violating 15 USC 1681eb. Delete XXXX XXXX account now. Vital for my well-being and livelihood, ensure accurate credit report
04/06/2017	Yes	Credit reporting	Incorrect information on credit report Account status	NY 10029	Web
Exeter Finance Corp is reporting to all XXXX bureaus that I have a balance in the amount of {$11000.00}. However, this account has been sold to a collection agency months ago and they are stating that I only owe a balance of {$4900.00}.
10/26/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	FL 33032	Web
I have other insurance that was reimbursed toward my payments some how they took it plus vehicle was total loss I have gap plus my insurance was covered it they are over charged me while they getting their money and sent to collections
04/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60502	Web	Servicemember
Exeter Finance is reporting a chargeoff on my credit report, which means theyve written it off on their taxes and have sent me a 1099 which they have not. They have stated that I owe a balance and the insurance company has paid it off.
09/15/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	NJ 08046	Web
Due to inflation after Covid I asked for late fees to be removed from my account and inquired on what I could do to lower my monthly payment. They said they had no available options but the would look into the late fees but never did.
07/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OK 74012	Web
Exeter finance has written off my account as bad debt. I have yet to receive a 1099c and the amounts they are showing as written off do not match. They are in violation of my FCRA rights by not properly reporting accurate information.
11/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30350	Web
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
06/20/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	SC 29150	Web
Exeter Financial Service is trying to collect a debt on credit account I dispute the debt and ask if The promise note can be sent to me I havnt been sent anything This is a violation Please remove Exeter Financial off my credit report
01/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30024	Web
I did not authorize a hard credit pull of my credit. I only authorized a soft pull. Any hard pull of my credit is to be reduced to a soft pull or removed altogether. No authorization was given to have a hard pull of my credit file.
06/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AL 352XX	Web	Servicemember
On XX/XX/XXXX we traded in a vehicle to XXXX XXXX. They pay off for the vehicle wasnt revived until XXXX cause Exeter Finance doesnt not have a physical address. My credit report is showing a late payment which needs to be removed
05/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37207	Web
This is in response to your recent claim that the Account # XXXX is belong to me that is my account, Yet you have failed sending the Wet Ink contract bearing my signature and an agreement showing I have legal obligation to pay you.
01/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60440	Web
I have requested a copy of the document I signed giving them the right to check my Credit. They have refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull my credit
11/10/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	LA 70816	Web
Company was fully paid by XX/XX/2016 yet fraudulently added interest charges to my account which were not proven to be owed. They now report my account as a charge off every month when they received full pay off value for my car
09/09/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	NV 89113	Web
Disputed with credit reporting agencies and to no avail. Exeter Finance repossessed the car over three months ago. I received no paperwork about auction and sale of vehicle. Debt is still illegally amounted on credit reports
09/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 174XX	Web	Servicemember
Exeter Fin is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
10/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60629	Web
I purchased a car from XXXX XXXX XXXX for a cash price. after the purchase was completed I received letters in the mail about financing a car. I never financed a car and I also did not give anyone permission to use my credit
07/13/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30083	Web
I pulled my XXXX credit report and it disclosed 6 accounts in derogatory status. I recently discharged from a chapter XXXX bankruptcy on XXXX XXXX 2017. I contacted the debtors whom advised me to make a complaint with CFPB.
12/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	DC 20018	Web
I just received my new credit report for XXXX and I found quite few auto Account Review Inquiries on my credit file that wasn't authorized by me. This is the list of them. EXETER FINANCE XXXX XXXX XXXX XXXX XXXX XXXX
04/19/2017	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	NE 68111	Web
The company pulled my credit without my authorization. The inquiry is reflecting on my XXXX and XXXX Credit report. I have never done business with this bank before nor have I sought any of their products or services.
11/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32303	Web
Exeter Finance is reporting my Date of First delinquency as XX/XX/XXXX but the date is incorrect. It was first delinquent in XXXX and this account should be deleted off all 3 bureaus due it being past the reporting date.
09/22/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	TN 37128	Web
I fill out an credit application with XXXX and the credit application got sent to Exeter. I need Exeter to send me a audit trail of my credit application, all documentary evidence with my name and social security number.
01/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94565	Web
I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.
08/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 21218	Web
XX/XX/2019 there was an inquiry on my credit report from Exeter Financial. I had no idea where it came from. Ive sent letters to ask them to remove this. They respond saying it's accurate. I never heard of this company.
03/22/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA XXXXX	Web	Servicemember
Im refusing to pay this debt because of billing error and because of fraud and false deception of agreements and non didclosure and also no notice of right to recision of retail installment agreement dated XX/XX/2023.
10/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27616	Web	Servicemember
Company states account was not written off nor closed account. However account is being reported on my credit report as a charged off account. Company states the account is open and was never written off as tax debt.
08/23/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	LA 701XX	Web
Please see the occurrence report attached. My documents are about 100 pages long. I'll upload a few here and furnish the rest in an email. I've been so unfairly just with these companies. I want action against them!
09/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 27540	Web
I was alerted of hard credit inquiries which I did not authorize and no knowledge of. I was advised by companies to dispute with credit bureaus as they could not remove. Credit Bureau explained FTC filing is needed.
06/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29150	Web
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation.
12/26/2018	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NJ 07017	Web
this was a car loan made which i was a co signor. The car was later repossessed. it was then sold, and the company which is exeter finance removed it from my wifes credit but not my own after disputing many times.
06/03/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	AL 35124	Web
I recently checked my credit score for the first time. I noticed there was an auto loan that didnt belong to me. It said I signed for a loan for someone else but I never did that . Exeter Finance LLC OPENED XXXX
10/10/2019	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	IN 46970	Web
Payment was A little late Made the arrangements And they Still Call me 7 times a day from Different Area Codes Every day is Getting Me and My Wife Really upset About this i had Never seen Such thing like this ...
05/05/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MO XXXXX	Web
I had problems with this company reporting negative thing to my credit report about the balance, how much I owed and other negative things.I requested them to verify the debt was mine but i never got a response.
12/14/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	AL 36116	Web
I XXXX XXXX entered a consumer credit transaction with Exeter Finance LLC on XXXX XXXX, 2019. I requested Validation of this debt, and Exeter Finance LLC failed to provide it. This is violation of 15 USC 1692g.
01/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44146	Web
Ive reached out to EXETER FINANCE LLC about the false reporting and haven't received a reply its been 30 day and i still haven't heard anything this is highly illegal and i dont own an account with this company
09/13/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	PA 184XX	Web
I have a monthly car note with XXXX XXXX XXXX of {$500.00} with a past due balance of {$980.00}. I would like full validation of the loan to prove I owe anything. And If it can not be proven to be paid in full.
03/18/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 30058	Web
Exeter Finance will not allow me to pay extra money towards my principle balance. If money is paid it only reduces the next months payment. I called to speak with a representative and was told this information.
10/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 300XX	Web
i have this on my XXXX report that i requested a inquire but i was in a XXXX and its not mine i have never applied for credit with this company and need this inquire to be removed ASAP its effecting my report
01/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AL 350XX	Web	Servicemember
XXXX has not updated my report like Exeter requested them to last year. The company reached out to me and stated they have sent updated info to the credit bureau. My account was never late was paid as agreed.
06/08/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	TX XXXXX	Web	Older American
I voluntarily surrendered the vehicle in XX/XX/2021. The XXXX XXXX company still has it up to now XXXX. I would like to know when the vehicle will be going to auction so that the delinquency can dealt with.
05/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33023	Web
I'm not sure how but I believe someone has been trying to use my identity to apply for new credit lines. I reached out to EXETER FINANCE CORP to get the inquire removed but, they haven't resolved the matter.
11/07/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TX 77080	Web	Servicemember
I want all proof showing that i signed they lied about amounts and is invalid. They did not include information from Gap insurance. By FCRA requires that all information is 100 % information and verified.
08/25/2022	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	AZ 85016	Web
My Credit soon have been poor because Accounts have been opening up in my name that I have never opened addresses that I have never lived at right now i can't do nothing because of identity theft in my name
08/15/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 33126	Web
I saw my credit report and I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. Evaluate and investigate those account that is not 100 % accurate.
11/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 91942	Web
XX/XX/18 Exeter Fin made an unauthorized fraudulent hard inquiry to my XXXX report. XXXX has instructed me to contact each company making fraudulent inquiry individually. Attaching relevant police report.
05/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78245	Web
Violation of FCRA Sec 604. Improper use of my credit report without my authorization. This company is reporting a fraudulent hard credit inquiry on my credit report. This is a violation of the FCRA Sec 604
06/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CA 91702	Web
Hi all these inquiries have reappeared back on my report again you guys helped me erase them I was or am a victim of identity theft from a ex who runs my social security number to the group please help me
02/21/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 91325	Web	Older American, Servicemember
I have contacted Exeter Finance LLC about the bill ariving after the due date. Some times as much as 15 days late and get told tuff luck pay the bill and penalty. They are rude and threatining about it.
02/05/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	GA 303XX	Web
I sent the attached letter to XXXX certified on XX/XX/XXXX and have yet to receive a response. The company is required to send me a signed contract with the signature matching my ID to validate the debt.
01/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AL 360XX	Web
My identity has been compromised by somebody that I do not know. My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.
07/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 151XX	Web
XXXX XXXX XXXX XX/XX/2019 Exeter Fin XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 I dont recognize these inquiries and did not authorize none of these companies to run my credit.
07/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	LA 70360	Web
I have requested that Exeter Finance to remove my payment history off my consumer reports. According to ( 15 U.S. Code 1681 A ) they are not allowed to report my payment history on my consumer reports.
04/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29506	Web
I have written to the CEO, disputed the late payments, and as a result late payments keep coming off and on my report. In according to the FCRA they have violated my rights under 15 usc 1681section 602
09/11/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	GA XXXXX	Web
Numerous telephone numbers and accounts that I have no knowledge they existed. Attempts to collect debt have been attempted on accounts that have been cleared or have previous judgment to be satisfied.
02/06/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	MI 49686	Web
I settled an auto loan with Exeter financial llc. It still show open and per the agreement it would be settled for less than the full amount. And they would not update the loan status as a charge off
01/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30152	Web
I was trying to get this off my credit since the Balance Is XXXX, I Am Having Problems Getting The Paperwork, To Prove That My Balance Is XXXX, Because I Am Trying To Get This Account Off My Credit.
11/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85202	Web	Servicemember
XXXX XXXX pulled my XXXX XXXX credit report on XX/XX/2018 without my authorization or permission. The credit inquiry is fraudulent and unauthorized. I never applied for an auto loan from XXXX XXXX.
12/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 761XX	Web
XXXX XXXX and other companies fraudulently pulled my credit report without my authorization. These unquurues were not authorized and are fraudulent : XXXX Exeter XXXX XXXX XXXX XXXX XXXX XXXX XXXX
04/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28205	Web
I have filed a dispute in regards to the inquiries on my credit report that i do not recognize nor did i authorized. It has been well over 30 days and i haven't received any investigation results.
02/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33169	Web
To whom this concerns, I carefully viewed my credit report and seen that your company ran my credit without my knowledge. I would like for this inquiry to be removed from my credit report swiftly.
03/20/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	IL 60637	Web
My brother stole my identity to co sign a car for my step daughter. Without my knowledge. My brother is a thief and career criminal, please help This complaint is tied in with Exeter finance LLC
10/07/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	SD 57201	Web
I have multiple hard inquiries that I did not authorize.i want them to be deleted, and their customer service would not help and take care of the negative inquiries reporting on my credit report.
03/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31707	Web
I went to a car dealership to look for a vehicle to purchase and the dealer stated that he was only pulling one hard inquiry. More than one hard inquiry was pulled unlike what was stated to me.
05/02/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	AL 352XX	Web
Signed for a car loan. The car loan that I signed for has the incorrect vin number on contract. Neither party has attempted to correct this issue but keep charging me for the incorrect vehicle
04/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AL 352XX	Web
The car payment was paid off and it shows we were late. When the car was traded in we werent late on the Payment. The company sais they would fix my score but they havent. Its been over a year
04/23/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	DE 19966	Web	Older American
Paid off Exeter finance car loan with a refinance loan at a much better rate in XXXX of 2021 with XXXX XXXX XXXX Exeter is reporting this as paid off through bankruptcy which is totally false
11/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11218	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX My Account was closed by XXXX EXETER FINANCE LLC then reopened with XXXX XXXX, My payment history is incorrect, therefore damaging my credit score
05/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA XXXXX	Web
Made several attempts to resolve with company. Company failed to make contact with original party. Made contact with original Party and no return information within the 30 day response rule.
02/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 940XX	Web
Someone applied for multiple credit cards under my name, which resulted in 10+ hard inquiries to my credit report. Also, a XXXX XXXX exists in XXXX Georgia under my name and it is not mine.
01/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	GA 30294	Web
The inquiry was make on XX/XX/2018. I am unsure of the loan amount or why this inquiry was made. Not sure of what the loan would have been for. I wrote a letter to have the inquiry removed.
07/19/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	FL 33155	Web
XXXX XXXX XXXX is reporting my account to all 3 credit companies as closed charge-off and late payments ... I paid my account in full and on time since XX/XX/2012 until the end of the loan.
07/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30035	Web
I noticed a inquiry on my credit reports from XXXX XXXX showing a credit card. I XXXX XXXX did not apply for a credit card. And I wish that its removed from my credit report due to fraud.
08/07/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA XXXXX	Web
I called the company on XXXX XXXX 2017 to inquire about this on my credit report. I was sent a response on XXXX XXXX, 2017 saying they needed more information to proceed with the request.
12/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44108	Web
XXXX XXXX shared my personal information to a third party without my consent. That third party is Exeter Finance which has bought/sold my personal information without my consent as well.
03/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19135	Web
( 4 ) XXXX XXXX ( 1 ) XXXX XXXX ( 2 ) Exeter fin ( 1 ) XXXX XXXX XXXX XXXX ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX ( 2 ) XXXX XXXX ( 1 ) XXXX XXXX All hard inquiries showing on my credit report
11/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28226	Web
I've reached out to these companies letting them know this is a violation of FCRA which ensures the accuracy and fairness and privacy of the information in consumer credit bureau files.
01/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 363XX	Web	Servicemember
This complaint is to remove multiple inquiries that I did not approve or initiate. XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EXETER FIN XX/XX/XXXX AND XX/XX/XXXX
06/21/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	PA 19082	Web
Currently the vehicle was taken into custody due to police investigation. Property will not be returned. This is a case of mistaken identity and I will be exonerated from all charges.
12/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NJ 07017	Web
I wrote a letter to this company on the XX/XX/XXXX via certified mail on the XX/XX/XXXX and it was received. This company made a unauthorized inquiry on my report without my consent.
05/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 91205	Web
There were two hard inquires that I did not authorize. I do not know how these inquires were made and why. One was from XXXX XXXX - XX/XX/2018 Another one was from XXXX- XX/XX/2018
03/14/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	AL 36869	Web
Please give me the wet ink signature where I signed the contract Copy of arbitration agreement Copy of any documents I signed A clarifying statement of your role in this transaction
01/03/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TN XXXXX	Web	Servicemember
This company continues to call me and sent me overnight mail, which causes the delivery person to ring my doorbell and disrupt my household. Unacceptable. This harassment must stop!
11/28/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	TN 37160	Web
I returned the car in the discretion and I didnt recall any of this debt being added to my credit reports so I would like to dispute the charges and incorrect on my credit report.
04/27/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	NJ 086XX	Web
XXXX XXXX from parking spot when I was at a Park. I sent a debt variation letter never sent proper paperwork.. please release my vehicle from impound and remove lien off vehicle.
05/30/2021	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MA 02780	Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
10/20/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	TN 374XX	Web
My loan with this company has been paid off and ( despite countless phone calls ) they REFUSE to a ) send me the title and b ) report the loan as paid off to the credit bureaus.
02/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 130XX	Web
I complained about a negative account listed on my report in XX/XX/2020, however when I complained the company pulled my credit report without my consent and leaving an inquiry.
12/14/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 704XX	Web
Car was wrecked and was suppose to been covered with XXXX coverage. A payment was never missed. Only had vehicle for about a month. Information on credit report is not accurate.
02/21/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	FL 344XX	Web
EXETER Finance denied me credit after running my social security number. They are in violation of the Equal Opportunity Act, 15 USC 1691c. 15 USC 1642, and 12 CFR 1002.7 ( a ).
10/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32738	Web
Ive never heard of this company nor did I authorize them to run my credit. I have not applied for anything! This company improperly obtained my credit without my authorization!
04/16/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	NY 14216	Web
Original company was with Exeter finance company on or about XX/XX/2015 and now owned by XXXX XXXX balance of {$9900.00} was changed off. The Debt is to old to Legally collect.
01/03/2021	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	FL 328XX	Web
Harassing phones calls this debt is over 7 years old. They are now reporting it as a new debt which is completely false. They call all day leaving very threatening voicemails.
01/07/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94115	Web
This collection company has been served a cease and desist letter and has not complied and continues to report this on my credit report and i do not owe this debt to no one.
11/09/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	SC 29229	Web
Since XX/XX/2022 Ive been disputing this account that is not mine with no resolution. I was a victim of identity theft, my wallet was stolen, I've provided a police report.
06/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90744	Web
This Auto loan company showed up on my report and I asked both XXXX and them to remove the hard inquiry and did not get a response. I also asked for proof of my signature.
10/10/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NY XXXXX	Web
There us an account added to my credit report from Exeter finance. This account does n't belong to me. I want it removed. Please verify social security number. My ss # XXXX
12/02/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AR 724XX	Web
Auto finance companies use the shot XXXX approach on my credit report Now I have several hard damaging inquires on my report cause me to be denied for anything I apply for
06/10/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	CA 90717	Web
My interest rate is extremely high, they wont let me refinance or offer me any options and Im struggling to make the payments and my balance is twice the value of the car
04/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30331	Web
XXXX and XX/XX/2019 payments were reported late, but they were not. Disputed actions several times, and I have not heard anything back from them or the 3 credit bureaus.
12/04/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	OH 45414	Web
15 usc 1605 was violated. 15 usc 1662 was violated. 15 usc 1635 violated. the company is exter fiance. once we get in contact i will have more info. for you guys thanks.
10/12/2016	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	GA 30016	Web
So far this morning they called me at XXXX, XXXX, and XXXX. I am currently at work and unable to answer the call and as I am typing this at XXXX, they are calling again.
10/20/2022	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	PA 19133	Web
This account was a fraudulent account on my credit it was not a authorized purchase my identity was stolen and use to purchase this is reporting improperly on my credit
09/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90044	Web	Servicemember
these accounts are fraudulent! I've been disputing for about a year and they yet to provide sufficient evidence of these accounts. please remove them. and late payments
02/14/2018	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	PA 19013	Web
XXXX has XXXX XXXX XXXX on my credit file and I don't owe or had any loan or debt with this company and have nor ever received any letter or nothing from this XXXX XXXX
09/06/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	TX 76013	Web
This account is ran as a charge off but I never received any of the 1099 cancellation of debt form and because of that this account is inaccurate and has to be removed
03/09/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 92882	Web
I got a 30 day late XX/XX/2017 and it 's reported on my credit report that payment was made on XX/XX/2017 when it was actually made on XX/XX/2017. Please see attached.
04/15/2016	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	GA 30008	Web
The company calls me more than 3 times in an hour and more than 12 times in a day. Even after I have spoken with someone the day before, the calls continue to come in.
07/25/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 307XX	Web
I have tried calling and emailing this company to get my payment book or to set up my online to pay on this loan but I keep getting hung up on or the call is dropped.
12/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35244	Web
On XX/XX/2019 EXTER FINANCE LLC pulled my credit without my authorization even though I have a fraud alert which is to prevent unauthorized access to my credit file.
06/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 088XX	Web
Based on fair credit reporting act 609, I am requesting XXXX to provide original signed documents to validate my Exeter finance account which is fraudulent account.
03/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48091	Web
My daughter is using my name to try and get approved for a car, we share the same birth month and date. she had my credit ran five times in one day. XXXX XXXX 2020
10/19/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	NV 89121	Web
EXETER FINANCIAL HAS SOLD THIS DEBT TO XXXX XXXX WHEN MY INSURANCE PAID EXETER FINANCIAL AND THEY ACCEPTED PAYMENT AS PAID IN FULL DO TO A TOTAL LOST OF THE VEHICLE
10/18/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	NC 28715	Web
My step father co signed on a vehicle with me, but shortly after, his health declined. He ended up in a XXXX home, where he remained until his death on XX/XX/2022.
02/26/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	TN 38018	Web
The auto with Exeter finance was cover with full insurance and gap insurance.. there shouldnt be a balance.. I was carjacked and the carjackers totaled the vehicle
07/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 19145	Web
I have contacted the bureaus and creditor about this account and provided them details on how it's being reported inaccurately, but nothing has changed since then.
02/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75701	Web
I have inquiries on my credit report that I didnt authorized. Some inquiries are duplicates too. These are damaging my credit report and I would like them removed.
03/21/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	TX 78209	Web
Fraudulent Inquires were made on my reports. I did not authorize this. I sent certified letters with no response or action return. Please remove from my reports.
01/30/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 328XX	Web
This original debt was from XXXX.With Exeter finance . It is now reporting as debt with XXXX XXXX as a debt that is from XXXX this false and all is inaccurate.
07/27/2022	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Denied request to lower payments	MI 48236	Web
got into a XXXX XXXX and told them i wasnt able to keep up with my payments told them to come and get the car never came and got all they did was take pictures
06/25/2022	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	CT 06790	Web
There are some inconsistencies with this account among each credit bureaus. Including, The amount, the date of last payment and the date that the credit opened.
10/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AL 36605	Web
I demand proof of how you dealt with the information that you indicated in my credit report. Please provide me with all instruments used to report this account.
08/14/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	SC 299XX	Web
Exeter finance is deleted off my XXXX report but they did not deleted off my XXXX or XXXX report cause if the account was valid they wouldnt had deleted off
04/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95628	Web
Exeter Finace LLC violated my rights on XX/XX/2022. The viloated laws were 15 U.S.C 1681 section 602 A, 15 U.S.C 1681 Section 604 A Section 2, 15 U.S.C 1692c
06/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AR 72761	Web
I TIED TO BUY CAR AT XXXX, THEY GOT APPROVAL FROM XXXX XXXX XXXX XXXX WHICH ENDED A A LIE. THEY ALSO, PULLED MANY OTHERS I DID NT AGREED TO. SOLF PULLS ONLY
09/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92404	Web
XX/XX/2023 contacted XXXX XXXX XXXX No information can be located Possible mistake System doesnt go back that far. I was told to dispute and the will approve
02/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 60628	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
11/30/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 30331	Web
Exeter Finance calls repeatedly about a debt. I don't have any business with this company and never have. I want this company to stop calling me immediately.
07/19/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	SC 291XX	Web
I noticed This account on my credit report that does not belong to me. I requested verification of this debt however I received no physical proof of any debt
08/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33137	Web
Exeter Finance LLC is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ). All corresponding documents are attached to this complaint
08/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33137	Web
Exeter Finance LLC is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ). All corresponding documents are attached to this complaint
06/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30083	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
03/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 60620	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
03/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 43615	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
08/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 39402	Web
My rights to privacy were infringed upon pursuant to 1681 ( a ) ( 4 ) Also, I never have permissible purpose or written instruction 15usc 1681b ( a ) ( 2 )
08/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 76544	Web	Servicemember
My credit report shows a hard inquiry from Exeter XXXX on XX/XX/2020 that I do not recognize. I would like this removed from my credit report. Thank you.
05/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 750XX	Web
Hello, There are several recent hard inquiries on my credit report that were not made by me : - XXXX XXXX XXXX - EXETER FINANCE LLCXXXX XXXX XXXXXXXX XXXX
12/25/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	LA 70809	Web
I gave filled a dispute in regards to incorrect items on my credit report. it has been well over 30 days and I haven't received any investigation results.
05/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 70592	Web
I have filed a dispute in regards with the incorrect items on my credit report. Its been well over 30 days & i haven't received any investigation results.
01/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 35007	Web
XX/XX/2023 Exeter Finance llc Information is being reported inaccurately and has disputed the report and still appears XXXX balance but reported negative
04/20/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30345	Web
I have filed a dispute in regards to incorrect items on my credit report.It has been well over 30 days and i have not received any investigation results.
03/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33161	Web
I have filed dispute in regards to incorrect items on my credit report. It's been well over 30 days and I still haven't receive my investigation results.
03/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	SC 29803	Web
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
01/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 78626	Web
I filed a dispute in regards to the incorrect items on my credit reports, it has been well over 30 days and I haven't received any investigation results.
11/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 302XX	Web
Ive filed a dispute in regards to the incorrect items on my Credit report it has been well over 30 days and I havent received any investigation results.
03/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MD 20707	Web
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
02/17/2017	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt resulted from identity theft	PA 190XX	Web
I was a victim of identity theft. XXXX XXXX XXXX are trying to collect a debt that I do not owe. XXXX received my information from Exeter Finance Corp.
11/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30349	Web
I filed a dispute in regards to incorrect items on my credit reports, it has been well over 30 days and i have not received any investigation results.
04/27/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	GA 31406	Web
Exeter Finance is reporting to my credit company that I owe a debt to them that was paid off with insurance and XXXX claims. This is from XX/XX/2017.
08/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	UT 84047	Web	Servicemember
XXXX XXXX requested my credit 8 times in 10 months. 4 times in one month alone. I have no idea who this is or why they are accessing my credit report
03/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX XXXXX	Web
I am trying to close on a home, and I checked my personal credit report on XX/XX/ 2019 and I noticed many unauthorized hard inquiries had been made.
04/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	MI 48601	Web
Collections are on my credit report, and I never had a contract with the company, I NEVER authorized this company to have my personal information.
09/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 78213	Web
XXXX XXXX Inquiry on XX/XX/2017. unauthorized inquiry had been made on my credit report, I did not authorize this company to run my credit report.
05/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33624	Web	Older American
Account is closed and paid so it needs to be removed from my report please. Confirmation of closed is # XXXX XXXX XXXX took payment to close this
10/17/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	TX 76105	Web
I purchased this car in XXXX, a XXXX Model XXXX XXXX} I have paid XXXX payments at {XXXX}. This comes out to XXXX My balance to this day is {XXXX
09/01/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75043	Web
I do not recognize nor did I authorize the following inquiries to be made : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXXExeter Fin XX/XX/XXXX
08/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 76039	Web
I sent letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of 2023 requesting documented proof of the credit inquiries listed on my credit report.
12/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19124	Web
Did not give written consent to Inn Exeter Finance to obtain my XXXX credit report on XXXX. I did not ever apply for credit with Exeter Finance.
01/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	DE 19802	Web
Ive filled out a dispute in regard to incorrect items on my credit report. Its been over 30 days and I havent received any investigation results
02/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19134	Web
On XX/XX/2017 I never gave permission to that company to check my XXXX XXXX, And they did Hard inquiries XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
03/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KY 40601	Web
as I checked my credit report, I noticed some of inaccuracy with the late payments and this is completely an FCDA false reporting Violation.
09/14/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	IN 46307	Web	Servicemember
On XX/XX/2020 someone without my authorization ran my credit to get a car loan and I tried calling XXXX to fix this and they would not help
12/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 31907	Web
I have contacted the credit company advising of the information reporting on my credit report this issue has been going on since XX/XX/XXXX
03/22/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 310XX	Web
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.
03/12/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 310XX	Web
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.
08/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33897	Web
I had a hard credit inquiry done by XXXX without my permission and knowledge, please remove this off my credit. It was done on XX/XX/2017.
04/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	GA 30093	Web	Servicemember
EXETER FINANCIAL LLC opened XX/XX/2021, remaining balance is {$1700.00} which was under GAP INSURANCE within the company! Not my insurer.
01/22/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	MS 39443	Web
Im the main driver of the vehicle that is in wifes name, soon to be ex, Ive been trying to work with finance company but they want budge.
10/21/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	NC 28314	Web	Servicemember
I have a hard inquiry from a Exeter Finance on XX/XX/2021 And I do not recognize it. Could you contact this company and get that removed.
02/17/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	GA 30906	Web
i have XXXX hard inquires from this company that i never applied for and the credit bureaus are giving me a hard time about removing them
08/12/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	XXXXX	Web
Exeter Finance LLC Account XXXX XXXXXXXX The account was opened XXXX During this period of time I have been a victim of identity theft.
03/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 76107	Web
accounts are old and no longer valid on my report as well as a few where ran with out my consent when shopping for home loands and cards
08/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92780	Web
Exter Fin pulled a hard inquiry on XX/XX/2017. I am unaware of the company and what they do. I did not give permission to pull my credit
09/30/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29710	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
09/05/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29229	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
03/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77521	Web
I have filed a dispute in regards of my credit report. It has been well over 30 days and I haven't received any investigation results.
07/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC XXXXX	Web
Account information showing as a Charge Off but I never received a 1099c and the company is still attempting to collect on the debt.
10/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77077	Web
Exeter Finance XXXX pulled my credit with my consent or knowledge. XXXX XXXX XXXX pulled my credit without my consent or knowledge.
07/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 94559	Web
Applied for XXXX financing online. Recieved an inquiry. Then 3 days later recieved another two inquiries that were not authorized.
09/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60636	Web
Exeter finance Charge off account The amount is XXXX The company have reported it as a open account and I never had a account with.
07/10/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	GA 310XX	Web	Servicemember
The vehicle was repoed and sold after about 3 months of missed payment. I tried to work out a payment plan but they wouldnt accept.
03/11/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30117	Web
I sent in multiple reports still no cooperation. They refuse to remove this from my report have filed police report and ftc report.
10/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27030	Web
Rate shopping improperly reflected as multiple hard inquiries. I did not authorize this inquiry. I do not recognize this inquiry.
10/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32210	Web
I live in Florida and because of the pandemic I lost 30 % + of my income starting in XXXX when the Stay at Home order was enforced.
08/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	UT 84115	Web
I have no idea who this company or why they pulled my credit. This hard inquiry has negatively affected my credit and credit score.
09/18/2015	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	IN 46201	Web
Between XX/XX/XXXX and XXXX 2015 they called me 7 days a week 5-7 times a day for a total of about 300 calls within a 45 day period
09/29/2023	No	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	CO 80004	Web
I have asked numerous times when they call to remove my # and NOT call me again. I have no business with this company now or never
05/05/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	TN 38016	Web
I would like to get the hard credit pull on behalf of Exter Financial in XXXX TX removed from my credit reports all three reports.
01/11/2016	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	AZ 85142	Web
they call at least 6 times per day and sometimes even while im on the call with the company they are calling me on the other line.
11/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60419	Web
I have multiple inquiries from car loans and one inquiry for a mortgage loan that I did not authorize. I submitted an FTC report.
04/12/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 310XX	Web
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.
05/12/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	NC 283XX	Web	Servicemember
Exeter finance is trying to scam me out of money i do not owe them for a car that they repossessed and sold already at a auction
02/14/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	TN 38125	Web
During COVID-19 I was XXXX for couple of weeks. And my job shut down I'm a XXXX so every hotel 's and every restaurant was down.
10/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33169	Web
I see I have late payments on my credit report which is unlawful under code 15u.s.c1681a ( 2 ) ( B ) and need them removed asap.
12/22/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33606	Web
I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I do not recall authorizing.
12/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA XXXXX	Web
i see alot of mistakes on my credit report on all 3 credit bureaus an i will like them accounts removed from my credit report.
08/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 38701	Web
Sold me a lemon car I didnt have one month this csr started acting up they pick this car up at the hostipal one day I was sick
04/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	SC 29150	Web
I did not consent to, or authorize nor benefit from this account. Block and remove it. XXXX XXXX XXXX Balance : {$13000.00}
09/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33023	Web
Exeter Finance LLC falsely reporting my name as an inquiry that I do not acknowledge neither consented to anything with them
02/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30328	Web
Several attempts made to remove uknown or authorized inquiries on my credit file to these companies listed with no progress.
01/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30318	Web
My information was leaked in a data breach. These are fraudulent accounts and i would like to have them removed immediately.
09/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19018	Web
I, XXXX XXXX do not recognize this company and I did not provide personal info such as address or my social security number
03/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33993	Web
I have credit inquiries on my XXXX XXXX that I don recognized everything on my credit from XXXX to XXXX I havent authorized
11/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33611	Web
On XX/XX/2020 The following account was verified as accurate EXETER FINANCE LLC. Please provide the method of verification.
07/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 441XX	Web
Exeter finance did not report the GAP Insurance company XXXX prorated payment of {$650.00} and received the check by mail.
07/24/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 33161	Web
XX/XX/2023 sold {$15000.00} amount due {$7000.00} called over ten times no response agents gives the run around every time
02/09/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	IL 60621	Web
SOMETIME AROUND XXXX OF 2013 A AUTO LOAN WAS OPENED IN MY NAME WITHOUT MY CONSENT ... I WAS A VICTIM OF IDENTITY THEFT ...
10/07/2023	Yes	Vehicle loan or lease Loan	Repossession Loan balance remaining after the vehicle is repossessed and sold	OH 44094	Web
The vehicle was in the possession of the co-owner. I was not aware of the debt accumulated on the vehicle due to divorce.
01/03/2023	Yes	Vehicle loan or lease Loan	Problem with fraud alerts or security freezes	IL 60827	Web
My credit was fraudulently used to get a car loan form Exeter fin this was not me please look into it as soon as possible
04/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WI 53150	Web
Checked my credit reports and noticed the inquiry. I have not done business with the company. They will not remove it.
04/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19140	Web
Hi I see 5 hard inquiries that dont belong to me They are unauthorized this is not my account I had lost my license..
02/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77494	Web
Recently disputed incorrect accounts on my credit report. its be over 30 plus days and i havent received any results.
04/26/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NH 037XX	Web
On XXXX/XXXX/2015 Exeter Finance XXXX XXXX XXXX XXXX made an inquiry of my credit file with XXXX without my concent.
10/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TN 38141	Web
UNKNOWN INQUIRES MADE ON MY CREDIT REPORT, I CONTACTED THE COMPANY AND THEY ARE NOT WILLING TO REMOVE THE INQUIRES.
10/15/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	CA XXXXX	Web
I have asked Exeter finance to rearrange loan or lower the rate. I have been sick and they do not want to help me.
06/23/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with a trade-in	FL 33130	Web
trade in didn't happened. Please delete inquiry EXETER FINANCE XXXX XXXXI didnt apply for this company for a loan.
06/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 088XX	Web
Request to remove fraudulent account from credit report. Exeter finance is fraudulent account in my credit report
11/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33169	Web
Old late payments keep popping up which wasnt late auto loan. XXXX is reporting negative and its not my account.
06/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 76013	Web
I done paid collections and theyre still on there. I also have inquiries on my credit that I have no idea about.
06/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 76013	Web
I done paid collections and theyre still on there. I also have inquiries on my credit that I have no idea about.
08/25/2022	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	IL 60502	Web	Servicemember
Exter Finance have reported inaccurate balances to my credit report causing adverse effects to my credit report
05/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60625	Web
Exeter Finance has reported delinquent, negative accounts on my credit file that's an open, revolving account..
04/30/2018	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Contacted your employer	NC 27332	Web	Servicemember
Exeter Finance sent a debt collector to my place of work and spoke with my supervisor in an attempt to collect.
03/31/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	AL 360XX	Web
Car was repoee with 13 days delinquent and would n't allow recovery unless full loan amount paid EXETOR FINANCE
09/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TN 38119	Web
I have inquiries that I do not recognize for these companies that I do not have a open or closed accounts with
01/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77449	Web
My name is XXXX XXXX and I am submitting this complaint without any influence for any third party or agency.
05/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48167	Web
Fraud going on with my credit Improper use of my credit. I have no authorization to the following companies
09/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AZ 863XX	Web
I DID NOT authorize this inquiry. I did not give permission for my social to be used to obtain this inquiry.
07/29/2022	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	SC 29229	Web	Older American
Company did not agree to resolve the amount for less than owed and resold the collection to another company
03/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 390XX	Web
I have hard inquiries that dates back from XXXX, that i didnt authorize. No one seems to want to help me.
07/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 641XX	Web
My name and information were used fraudulently with Exeter finance the account was opened on XX/XX/2016.
06/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 71112	Web
customer service would not help and take care of the negative inquiries reporting to your credit report.
11/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	NY 10469	Web
I have no knowledge of the item I tried numerous times to dispute this inquiry as XX/XX/21 to this date
01/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77090	Web
A LETTER TO REMOVE ALL INACCURATE INQUIRIES FROM REPORTS WAS SENT TO XXXX, XXXX AND XXXX ON XX/XX/2021.
11/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 94585	Web
Inquires on my credit report thy does not belong to me, I been a victim of identity theft in the past.
01/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 94806	Web
Last date was XX/XX/2021, the amount was for {$16000.00} and I have filed 2 disputes with no results.
05/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 71118	Web
Exeter Finance received a copy of my credit report on XX/XX/2022 and I do not recognize who that is.
07/05/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	TX 760XX	Web
DISPUTED THIS DEBT NUMEROUS TIMES PER : Title IV of the Consumer Credit Protection Act. Section 401.
06/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	DE 19808	Web
I filled a dispute in regards to the in the inaccuracies on my report it has been well over 30 days!
11/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	GA 312XX	Web
I did not give this company permission to view my consumer report. EXETER FINANCE XXXX XX/XX/2021
08/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75241	Web
Applied for car loan with one finance institution and application was sent to several institutions.
10/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48089	Web
Applied for one car loan and the dealership ran my credit through several banks without my consent
05/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AR 722XX	Web
{$11000.00} has been written off, and the account is still displaying the obligation as past due.
07/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 794XX	Web
EXTER FINANCE LLC WAS PAID IN FULL IN THE AMOUNT OF {$24000.00} ACCT # XXXX DATE OPEN XX/XX/2014.
03/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 317XX	Web
These credit inquiries are unauthorized and need to be removed from my credit report immediately.
04/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85705	Web
My indentity was stolen and now I have hard inquiries on my credit report that werent authorized.
01/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30294	Web
My sons mother XXXX XXXX stole my information to get a car in my name that I never co-signed for
12/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31404	Web
MY IDENTITY HAS BEEN COMPROMISED THERE IS ITEMS ON MY CREDIT REPORT THAT SHOULD NOT BE THER
02/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 070XX	Web
Exeter finance is reporting my charge off monthly after closed and charged off inaccurately
05/08/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	OH 43228	Web
Im trying set up a payment plan but they told me they cant because My aunt filed backruoyt
04/29/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	GA 30241	Web	Servicemember
I paid down payment using cash but was listed as credit Violations : USC 1605 ( A ) ( C )
01/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77077	Web
I never authorized this inquiry. Never heard of the company. Never gave a written consent
10/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19151	Web
I WAS A VICTUM OF FRAUD ON MANY INQUIRES ON MY CREDIT REPORT IN WHICH I DID NOT AUTHORIZE
09/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30083	Web
GOT A PREAPPROVAL FOR CARD YET MY CREDIT WAS STILL RAN GIVING ME MULTIPLE HARD INQUIRIES.
11/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NJ 08021	Web
ON XXXX XXXX, 2017 HARD INQUIRY ON CREDIT REPORT THAT I DID NOT AUTHORIZE, PLEASE REMOVE
12/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 23324	Web
There are Inquiries that are reflecting on my credit report that I have not authorized.
08/11/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	NC 27597	Web
I lost information and someone is using it to apply for new auto loans and credit loans
11/22/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	OR 97305	Web
Paid extra and it did not affect on payment statement and the balance was not correct.
04/29/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	IN 46312	Web
I put down a {$5000.00} down payment cash on my car but it says credit on my contract!
04/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77095	Web
I didnt authorize anyone to pull my credit and it was well over 45 inquiries in total
04/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	XXXXX	Web
These inquires on my report weren't initiated by me. Customer service would not help.
12/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77545	Web
I did Not authorize inquiries. I did Not give anyone permission to perform inquiries
05/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60620	Web
i checked my credit report and noticed these accounts that i didnt open or authorize
04/09/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	MO 631XX	Web
Defamation of character and reporting false and inaccurate information on my credit
06/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76513	Web	Servicemember
XXXX XXXX XXXX XX/XX/2020 {$2200.00} unknown charge on account Exeter finance llc
01/17/2017	Yes	Credit reporting	Improper use of my credit report Report shared with employer w/o consent	CA 91977	Web
I never requested credit form this company. I want this HARD INQUIRY DELETED ASAP
02/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	CA 92345	Web
Exter finance account number # XXXX is claiming 4 late payments on credit report
11/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30052	Web
There are several inquiries on my credict report that was not submitted by me!!
04/04/2018	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with the interest rate	MS 39206	Web
The company that is handling my loan has hiked up interest rate I have a 26.7 %
03/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44122	Web
I have no relationship with this company and I did not authorize this inquiry.
09/07/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 32839	Web
COMPENY HAS FILE TO CORECT A REPORTING PROBLEM TO CREDIT REPORTING ANGENCIES
12/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL XXXXX	Web
I recently checked my credit report and noticed some unauthorized accounts.
04/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WI 53220	Web
I do not recognize this company and is on my report twice within to month
12/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 306XX	Web
Hard inquiries that I would like to please remove from my credit report.
10/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 95838	Web
This account is Fraud, I never give anyone permission to pull my report.
07/25/2019	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	GA 30126	Web
the insurance company payed the truck off supposed to remove from credit
02/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 46410	Web
I have no knowledge of this account nor have I authorized any of this!
12/31/2022	Yes	Vehicle loan or lease Lease	Getting a loan or lease Credit denial	AR 721XX	Web
discrimination and violation due to using third party to seek decision
04/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48188	Web
Please remove all the inquiries I have not applied for any new credit.
09/10/2023	Yes	Vehicle loan or lease Lease	Getting a loan or lease Loan opened without my consent or knowledge	PA 17013	Web
XXXX $ in car loan debt that I have not authorized anyone to do so.
07/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 314XX	Web
Ive paid that loan off we came to an agreement but it still showing
01/10/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	GA 30093	Web
Notice of Dispute Provide the original contract for Account # XXXX.
07/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77583	Web	Servicemember
Exeter Financial LLC : XX/XX/2022. This inquiry wasn't authorized.
08/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32211	Web
Tried disputing over a year ago but did not get anything resolved.
07/26/2017	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	SC 29506	Web
I reached out to the company about removing this, no action taken.
10/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 23225	Web
Car loan is paid in full but showing closed wrote off as bad debt
08/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 71202	Web
XXXX XXXX XXXX, XX/XX/2019 No information available Hard Inquiry
12/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30311	Web
XX/XX/2019 XXXX XXXX I have no idea what this is XXXX XXXX XXXX
09/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NJ 086XX	Web
My credit has been pulled fraudulently. Please remove inquiry
09/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 94706	Web
My credit has been pulled fraudulently. Please remove inquiry
07/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 78148	Web
Have no knowledge of these company running my credit report.
03/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	VA 23224	Web
I have inquiries on my XXXX report that doesnt belong to me
09/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44102	Web
I have a lot of hard inquiries that I didn't give permission
05/27/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	WA 98003	Web
EXETER Finance Did An ILLEAGAL REPO in my car with no notice
02/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	TX 77498	Web
I did not authorize, and I do not acknowledge that inquiry
01/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AZ XXXXX	Web	Servicemember
I did not solicit this company for any product or service.
03/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60624	Web
There were accounts put in my name that dont belong to me
04/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	FL 342XX	Web
I have a hard inquiry that I didnt submit/was unaware of
08/15/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	FL 33314	Web
Company said I was late on a payment but was never late
11/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30052	Web
There are unauthorized businesses on my credit report.
01/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75104	Web
I didnt not authorize this company to run my credit.
04/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	DE 19977	Web
XXXX XXXX XX/XX/2022 CREDIT REPORT INQUIRE NOT MINE
11/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 320XX	Web
I didnt authorize these companies to run my credit
11/04/2022	Yes	Vehicle loan or lease Lease	Getting a loan or lease Fraudulent loan	AR XXXXX	Web	Servicemember
Messed up my whole account and credit please help
08/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IN 461XX	Web
XXXX XXXXXXXXhard inquiry that I never did myself
11/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30305	Web
Company was unauthorized when running my credit.
05/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19139	Web
Someone was suppose to remove these inquiries.
05/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19139	Web
Someone was suppose to handle the situation.
02/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MO 63121	Web	Servicemember
Unauthorized inquiries on my credit report.
10/03/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	TN 37076	Web
XXXX XXXX XXXX Unaware of this hard inquiry
03/20/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA XXXXX	Web	Servicemember
UnAuthorized Inqueries on my credit report
12/08/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	TX 789XX	Web
Usury interest rates 23.30 % on auto loan
12/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 36869	Web
Remove all late payment status to current
05/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33065	Web
Inaccurate information on credit report.
03/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48331	Web
I have inquiries that I didnt request..
04/18/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	VA 220XX	Web
Reporting deliquent before 30days is up
04/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 441XX	Web
Using information with out permission
04/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 441XX	Web
Running my credit with out permission
12/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30126	Web
This account payment history is wrong
01/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30260	Web	Servicemember
Inquiries were not authorized by me.
07/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 21122	Web
I have no knowledge of this inquiry
04/25/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	GA 30008	Web
the debt is not mine Please remove
10/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	DE 19901	Web
I did not contact these companies
10/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30058	Web
I did not authorize this inquiry
10/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 38671	Web
Remove the hard or soft inquiry
09/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 23435	Web
Dont recognize these inquiries
07/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77038	Web
RAN CREDIT WITHOUT PERMISSION
07/18/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29414	Web
I do not own this account
03/11/2023	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Termination fees or other problem when ending the lease early	GA 31768	Web
Delete from credit report
04/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30458	Web
unauthrzed hard inqurit
03/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	IL 60659	Web
Unauthorized inquiry
08/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NJ 08234	Web
false inquires
02/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92236	Web

02/03/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 24015	Web

02/01/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11704	Web

01/30/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78745	Web

01/30/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 604XX	Web

01/29/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 94621	Web

01/29/2024	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MD 20720	Web

01/28/2024	Yes	Vehicle loan or lease Loan	Repossession Company communicating payment assistance or payment extension options	TX 77380	Web

01/28/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	ME 042XX	Web

01/28/2024	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70816	Web

01/28/2024	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70791	Web

01/28/2024	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	GA 30016	Web

01/28/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60644	Web

01/27/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44128	Web

01/26/2024	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	NY 12550	Web

01/26/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	OH 456XX	Web

01/26/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CO 805XX	Web

01/25/2024	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	IL XXXXX	Web

01/25/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30180	Web

01/24/2024	Yes	Vehicle loan or lease Loan	Repossession Damage caused or loss of personal items in vehicle during the actual repossession	PA 19121	Web

01/24/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75248	Web

01/24/2024	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	TX 75023	Web

01/24/2024	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	CA 92392	Web

01/24/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 63011	Web

01/23/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 70791	Web

01/23/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90007	Web

01/22/2024	Yes	Vehicle loan or lease Loan	Getting a loan or lease Loan opened without my consent or knowledge	GA 31088	Web

01/22/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 39046	Web

01/21/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	GA 30316	Web

01/21/2024	Yes	Vehicle loan or lease Loan	Repossession Deficiency balance after repossession	OH 43201	Web

01/21/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19341	Web	Servicemember

01/19/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NV 89149	Web

01/19/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	KY 40701	Web

01/19/2024	Yes	Money transfer, virtual currency, or money service Money order, traveler's check or cashier's check	Confusing or misleading advertising or marketing	GA 30144	Web

01/18/2024	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Denied request to lower payments	GA 30655	Web

01/18/2024	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	MD 21921	Web

01/18/2024	Yes	Vehicle loan or lease Loan	Repossession Notice to repossess	FL 33060	Web

01/18/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31313	Web

01/18/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	MI XXXXX	Web

01/17/2024	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	GA 30022	Web

01/16/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32216	Web

01/15/2024	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	AR XXXXX	Web

01/13/2024	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	NY 121XX	Web

01/11/2024	Yes	Vehicle loan or lease Loan	Getting a loan or lease Loan opened without my consent or knowledge	GA 310XX	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28110	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77380	Web

01/11/2024	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	GA 30291	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 191XX	Web

01/10/2024	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	SC 29303	Web

01/10/2024	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	NC 27401	Web	Older American

01/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 14607	Web

01/09/2024	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	NC 28466	Web

01/09/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL XXXXX	Web

01/09/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60476	Web

01/09/2024	Yes	Credit card Store credit card	Improper use of your report Reporting company used your report improperly	CA 93552	Web

01/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30318	Web

01/08/2024	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	IL 62239	Referral

01/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90746	Web

01/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60804	Web

01/07/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77030	Web

01/07/2024	Yes	Vehicle loan or lease Lease	Incorrect information on your report Account status incorrect	SC 29445	Web

01/06/2024	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	GA 30305	Web

01/06/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60409	Web

01/06/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44105	Web

01/05/2024	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Vehicle was repossessed or sold the vehicle	GA 30318	Web

01/05/2024	Yes	Vehicle loan or lease Loan	Getting a loan or lease Loan opened without my consent or knowledge	CA 93033	Web

01/05/2024	Yes	Vehicle loan or lease Loan	Repossession Company communicating payment assistance or payment extension options	CA 90250	Web

01/04/2024	Yes	Vehicle loan or lease Loan	Repossession Damage caused or loss of personal items in vehicle during the actual repossession	GA 30331	Web

01/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60651	Web

01/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	AL 35244	Web

01/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	NC 27587	Web	Servicemember

01/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23834	Web

01/01/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA XXXXX	Web

12/31/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Was not notified of investigation status or results	TX 78673	Web

12/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33060	Web

12/29/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	TX 77433	Web

12/27/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	GA 30058	Web

12/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	DE 19810	Web

12/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27810	Web

12/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	TX 76011	Web

12/26/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	GA 30066	Web

12/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31087	Web

12/23/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	IN 46205	Web

12/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75070	Web

12/22/2023	Yes	Vehicle loan or lease Loan	Repossession Loan balance remaining after the vehicle is repossessed and sold	FL 33127	Web

12/21/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TN 38305	Web

12/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91601	Web

12/21/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	CA XXXXX	Web

12/20/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	MI 49316	Web

12/20/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	OK 74014	Web

12/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30328	Web

12/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29209	Web	Servicemember

12/19/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	GA 30324	Web

12/19/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	PA 19143	Web

12/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23462	Web	Servicemember

12/19/2023	Yes	Vehicle loan or lease Loan	Repossession Company explaining amount owed	MS 389XX	Web

12/17/2023	Yes	Vehicle loan or lease Loan	Repossession Loan balance remaining after the vehicle is repossessed and sold	SC 29690	Web

12/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NJ 070XX	Web

12/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33068	Web

12/14/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	IL 60181	Web

12/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33032	Web

12/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60617	Web

12/12/2023	Yes	Vehicle loan or lease Loan	Repossession Loan balance remaining after the vehicle is repossessed and sold	GA 30058	Web

12/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 95758	Web

12/08/2023	Yes	Vehicle loan or lease Loan	Repossession Voluntary repossession	FL 33810	Web

12/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 082XX	Web	Older American

12/06/2023	Yes	Vehicle loan or lease Lease	Getting a loan or lease High-pressure sales tactics	IL 60619	Web

12/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60098	Web

12/02/2023	Yes	Debt collection Auto debt	Electronic communications Used obscene, profane, or other abusive language	IL 60624	Web

12/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 38115	Web

12/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	FL 33033	Web

11/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30127	Web

11/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 19123	Web

11/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75038	Web

11/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28304	Web

11/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75104	Web

11/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	TX 76011	Web

11/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MI 48204	Web

11/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	MS 39402	Web

11/22/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	CA 95758	Web

11/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30294	Web

11/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33607	Web

11/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92057	Web	Servicemember

11/18/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	OH 44320	Web

11/17/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33607	Web

11/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33993	Web

11/17/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	FL 33313	Web

11/17/2023	Yes	Vehicle loan or lease Loan	Repossession Loan balance remaining after the vehicle is repossessed and sold	GA 30253	Web

11/16/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33617	Web

11/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 19123	Web

11/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 93041	Web

11/12/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	UT 84057	Web

11/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43223	Web

11/11/2023	Yes	Vehicle loan or lease Loan	Repossession Voluntary repossession	TX 77070	Web

11/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60406	Web

11/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92411	Web

11/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 33009	Web

11/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 95815	Web

11/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30012	Web

11/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77003	Web

11/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 78717	Web

11/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 78717	Web

11/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TN 37363	Web

11/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 46342	Web

11/01/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	NV 89169	Phone

10/31/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33033	Web

10/30/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	AL 36108	Web

10/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 95835	Web

10/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33179	Web

10/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60628	Web

10/27/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	PA 19144	Web

10/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	NY 11575	Web

10/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60642	Web	Servicemember

10/25/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TN 38305	Web

10/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29414	Web

10/24/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Loan opened without my consent or knowledge	OH 44004	Web	Servicemember

10/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75216	Web

10/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33321	Web

10/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MI 48116	Web

10/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28216	Web

10/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 23228	Web

10/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19138	Web

10/18/2023	Yes	Vehicle loan or lease Loan	Repossession Deficiency balance after repossession	GA 31407	Web

10/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19018	Web

10/17/2023	Yes	Vehicle loan or lease Lease	Repossession Company communicating payment assistance or payment extension options	WI 53144	Web

10/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60636	Web

10/17/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29229	Web

10/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75068	Web

10/16/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	LA 71105	Web

10/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28144	Web

10/13/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with additional products or services purchased with the loan	CA 90804	Web

10/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	DE 19702	Web

10/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60526	Web

10/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77032	Web

10/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19129	Web

10/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46113	Web

10/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Didn't receive services that were advertised	HI 96797	Web

10/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19138	Web

10/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AZ 85298	Web

10/10/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	GA 30032	Web

10/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OK 73120	Web	Servicemember

10/10/2023	Yes	Vehicle loan or lease Loan	Repossession Loan balance remaining after the vehicle is repossessed and sold	NC 28215	Web

10/09/2023	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	TX 76106	Web

10/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 35215	Web

10/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29505	Web

10/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	GA 30038	Web

10/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 39211	Web

10/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30315	Web

10/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 78621	Web

10/03/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	AZ 85032	Web

09/30/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	GA 30041	Web	Servicemember

09/29/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	IL 60471	Web

09/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89012	Web

09/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30024	Web

09/28/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	TN 38305	Web

09/27/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	GA 30228	Web	Servicemember

09/27/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	GA 30228	Web	Servicemember

09/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08863	Web

09/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37919	Web

09/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32808	Web

09/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MO 63118	Web	Servicemember

09/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19027	Web

09/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77096	Web

09/22/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NY 14228	Web

09/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IN 46224	Web

09/21/2023	Yes	Vehicle loan or lease Loan	Repossession Deficiency balance after repossession	GA 31206	Web

09/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 19150	Web

09/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 07103	Web

09/21/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Investigation took more than 30 days	FL 33147	Web

09/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 08084	Web

09/19/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 92620	Web

09/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30519	Web

09/18/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	FL 33647	Web

09/18/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	LA 70116	Web

09/17/2023	Yes	Vehicle loan or lease Loan	Repossession Company communicating payment assistance or payment extension options	FL 32210	Web

09/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44052	Web

09/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 23503	Web	Servicemember

09/15/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	PA 19104	Phone

09/15/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	LA 70634	Web

09/15/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	GA 30401	Postal mail	Older American

09/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32206	Web

09/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MO 650XX	Web

09/11/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	GA 30144	Web

09/09/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	MI 48236	Web

09/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92019	Web

09/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35242	Web

09/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11434	Web

09/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08863	Web

09/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85041	Web

09/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Problem with personal statement of dispute	TX 77045	Web

09/06/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	MD 21214	Web

09/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98466	Web

09/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07103	Web

08/31/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Loan opened without my consent or knowledge	TX 77489	Web

08/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08863	Web

08/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 94123	Web

08/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 39180	Web

08/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33068	Web

08/27/2023	Yes	Vehicle loan or lease Loan	Repossession Lender trying to repossess or disable the vehicle	VA 23223	Web

08/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	KY 40212	Web

08/26/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	GA 30315	Web

08/25/2023	Yes	Vehicle loan or lease Loan	Repossession Loan balance remaining after the vehicle is repossessed and sold	IN 46122	Web

08/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30024	Web

08/23/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 30024	Web

08/23/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	OH 44105	Web

08/22/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	OH 44122	Web

08/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60644	Web	Servicemember

08/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27589	Web

08/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27330	Web

08/17/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	SC 29378	Phone

08/16/2023	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	VA 23350	Postal mail

08/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27610	Web

08/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92703	Web

08/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AZ 85295	Web

08/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30035	Web

08/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60443	Web

08/11/2023	Yes	Vehicle loan or lease Lease	Getting a loan or lease Fraudulent loan	IN 46122	Web

08/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11553	Web

08/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	GA 30024	Web

08/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31071	Web

08/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WA 98007	Web

08/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 27616	Web

08/10/2023	Yes	Vehicle loan or lease Loan	Improper use of your report Credit inquiries on your report that you don't recognize	NY 13088	Phone

08/10/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	AL 36618	Web

08/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19131	Web

08/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30024	Web

08/08/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CA 93720	Web

08/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30331	Web

08/05/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	MI 48244	Web

08/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92392	Web

08/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	DE 19720	Web

08/04/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	CA 91730	Web

08/03/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	NC 28266	Web

08/03/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	NJ 08863	Web

08/02/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	VA 23225	Web

08/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60426	Web

08/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77056	Web

07/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44052	Web

07/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07304	Web

07/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	DC 20001	Web

07/28/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	GA 31204	Web

07/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44101	Web

07/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	IN 47714	Web

07/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30097	Web

07/23/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	OH 44105	Web

07/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60458	Web

07/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35080	Web

07/21/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28390	Web