Sierra Holdings LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
03/07/2020	No	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	TX 75070	Web
I opened a car loan with Sierra Auto Finance back in XX/XX/XXXX for {$14000.00} and my monthly payments were {$350.00}. After making payments for 2 years, I figured I would review the loan balance and add up all of my payments. Per the payment log of all of my emailed receipts, I decided to request a pay off of the loan to see the progress of my payments. I was hoping to pay my car loan off in full or at least refinance the loan to lower my payment since I figured that I paid a good portion of my loan off. I received the pay off amount on XX/XX/XXXX and it was for {$10000.00}. I was shocked at the amount trying to figure out the math and what happened. I then decided to call customer service back to see if there was a mistake. I got the run around and no one could explain to me what was going on. Everyone was extremely rude and I was treated like I was inhumane. I did not think this was fair and could not believe after all of the money that I paid out over the last 2 years that I was being treated the way that I did. Despite the rude and unfair treatment, I decided to keep making my payments as I needed the car. I even paid a little more or sometimes doubled my payments to try and reduce the loan amount at a faster rate. On XX/XX/XXXX, I got into a car accident. The car was still drivable, but the airbags deployed and I was in need of a new car. So I called Sierra Auto Finance to let them know what happened, hoping to resolve the loan balance in full. This way I would be able to apply for another car. The customer service rep stated that I could give the car back since I did not owe that much on the loan and they would sell the car in auction and deduct the amount that the car sold for. Then they would subtract that from my overall balance. I cleaned and vacuumed the car even though it had been wrecked just to show my appreciation and to make things easier for them. A tow truck came and picked that car up and the keys and thanked me for having the car cleaned. I didt here back from Sierra Auto Finance for months. I never got a new loan amount or a price for what the car sold for. Nothing showing my new loan balance after the deductions. So I just figured that maybe the loan was paid off with the money that they received from selling the car in auction. I even made a payment through the portal as I transitioned out of the wrecked car on XX/XX/XXXX. I wanted to show them that I was still trying to take care of the loan without even having the car. I then hired XXXX to reach out to them regarding this matter because I figured something was not right. I was abruptly and swiftly notified by XXXX that Sierra Auto Finance reported the loan on my credit as bad debt/write off and that I owe {$11000.00}!!! It knocked my score down tremendously and made me feel even worse for trusting and investing in this company. I quickly tried to reach out with no response or way in getting in contact with them. I also leaned in the process that they went out of business as I was trying to file a complaint with the XXXX. No wonder they have a 1.8 star rating and a massive amount of complaints about people going through my same situation or worse. I have all of my receipts of payments, pictures of the wrecked car along with the insurance claim, the pay off requests attempts, and my credit report showing the inaccuracies. I want this removed from my credit immediately because this is not fair or is it best business practices.
02/12/2018	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 30297	Web
For the past 3 months, I have been disputing the inquiries listed below for unauthorizations of pulling my credit reports with the credit bureaus and the businesses that have inquired. I have never given permission, written or oral, to any other these companies. I have enclosed documents that I have received in the mail stating that each individual company was unable to locate any information indicating that particular company made an inquiry on my credit file. XXXX XXXX XXXX / XXXX XXXX XXXX, XXXX XXXX / XXXX, TX XXXX / XXXX / Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX, XXXX XXXX / XXXX, CA XXXX / XXXX / Inquiry Date XX/XX/XXXX XXXX XXXX / XXXX XXXX XXXX / XXXX, PA XXXX / XXXX / Inquiry Date XX/XX/XXXX The inquiries listed below have also been in dispute for unauthorizations of pulling my credit reports. I have been disputing them for the last three months. I have disputed with the credit bureaus along with the companies that inquired. During this period, I have yet to get a response in the mail. I have sent certified letters with return receipts proving they accepted the mail. Again, they have yet to respond with written or oral proof of my authorizations. I have enclosed documents of mail receipts and letters I have sent to these businesses. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XXXX, Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XXXX, Inquiry DateXX/XX/XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, XXXX, Inquiry Date XX/XX/XXXX After my own investigation, this business is no longer operating. It shut down months ago. Address listed on credit report is invalid. I received returned mail on the address listed because it was unclaimed. Mail was unable to forward because there was no other address listed to send the letter. Copy of returned mail is enclosed. The listed unverified inquiries have been proven invalid. None of the businesses can provide an original signed agreement or oral recording of my consent giving authorization for them to pull my credit report. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. 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. Please help me delete these inquiries from my credit reports immediately. I am tired of fighting with the bureaus and businesses about these inaccurate inquiries on my credit reports.
11/08/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	PA 19111	Web
I brought a 2009 nissan murano and was sold a lemon and thsi car almost killed my children and i .The sale of defective vehicles has a set of rules known as " lemon laws. '' A " lemon car '' generally means an auto with defects. Given there are about XXXX components in the average auto, include human error on the assembly line and it 's not surprising that a substantial number of " lemon cars '' are produced. The lemon law was established to protect your consumer rights by providing legal recourse after the purchase or lease of a defective new motor vehicle which fails to meet the manufacturer 's warranty after a reasonable number of repair attempts. If a manufacturer refuses or fails to offer a replacement or a refund for your lemon car, you have the legal right to file a civil action in a court of law. When you win a lemon law case, the manufacturer must : Provide a replacement or a refund Pay the consumer 's costs and expenses, including attorney 's fees The manufacturer can also be liable for a " civil penalty '' of up to twice the consumer 's damages ( usually the price of the defective goods ) State and federal rules are in place to protect consumers from auto dealer fraud when they shop for vehicles. Laws are designed to punish dealerships that take advantage of their customers and deal with deception and unfair practices by dealers. Auto dealer fraud law includes the FTC regulations ( the Used Car Rule ), other federal and state consumer protection laws, and the common law tort of fraud. Many car dealers use financial fraud to sell their vehicles. Car dealers can trick you out of a low car loan rate ( APR ) you thought you had committed to. For instance, you purchase a car and sign for a low APR. A week later the dealer phones and says you did n't qualify for that low interest - apparently the loan you thought you signed was " subject to loan approval ''. Then they ask you for more money and increase your payments. To avoid this scam, do n't finance your car at the dealership. Another trick, called the " Straw Purchase '' happens when the dealer says you have a terrible credit score and need a co-signer. However, the dealer knows your credit score is so bad you would never qualify for a loan. He gets you to find a co-signer for the loan, but in the paper shuffle, it ends up that the " co-signer '' is the actual purchaser of the vehicle. Some car dealers can " forget to pay off your trade-in ''. You trade in a car that you still owe payments on, and the dealer is supposed to pay off the loan for you and add the amount to your new purchase. Then the bank calls : the dealer has not paid off the loan, the car is still in your name, the bank is charging late payments to your credit rating and you have no contract to prove that the dealer said he would pay off the loan. I am getting my lawyer intact for this company and XXXX place.
03/17/2020	No	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CA 907XX	Web
I worked with Sierra Financial to apply for a {$1000.00} short term loan, they contacted me and said they worked with a loan broker. My primary complaint is what was disclosed to me over the phone was not the loan contract I signed for, the following deceptive and predatory lending practices were used to enter into a bait and switch loan agreement. Basically the on the phone consultant told me I was signing up for a short term loan that had a high APR of nearly 240 % which I knew was the case and there would be a {$140.00} finance fee added to the loan balance in addition to any accruing interest. I then asked the on the phone consultant to setup the installment payments to pay off the loan balance in 4 months ( 8 installments ). She said that would be setup and I would see the payments of {$250.00} debited from my account on a biweekly basis and that would pay off the loan. Surprisingly I never received any additional disclosures by phone, email, or mail showing the terms, due date, payment schedule or loan amortization chart. I had requested these verbally. The only notification I received was that the loan was funded. Then I noticed {$250.00} auto debited from my checking account at the same time as my pay period, I assumed this was my payment plan I setup. After two months and approximately {$920.00} in payments were made I wanted to see my loan balance online my balance as of XX/XX/20 was {$1200.00}. I immediately called Sierra Financial to talk about my concern, they notified me my payment had only been applied toward the finance fees and loan extension fee which totaled {$250.00} biweekly. I told them I did not request any extension and only the initial fees were disclosed to me ( not the additional {$250.00} finance fee or how the determine those fees ), and I specifically asked for the payments to be setup to payoff the loan. They then got very rude with me and said that they can not help me and the terms and conditions state payments can not be setup and the full balance needs to be paid to resolve the debt, then they hung up while I was still talking. So I would like for the complaint to be handled and investigated because this company is disclosing false information and preventing consumers from getting full information they need to make a decision.The company has a very bad reputation on XXXX and if I would have investigated them I would have never did business with them, but they contacted me and their potential clients marketing themselves as a different company under a different name, through a different referral sources to trick consumers they are doing business with a legitimate company. I'm not question weather I owe them the amount they stated, I'm questioning the validity of the contract since it was not disclosed and me as the consumer did not get to make a decision on the correct information.
11/21/2019	No	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	TX 76006	Web
Unfortunately my lack of knowledge concerning loans and refinancing has me in a car loan that is now upside-down. I paid cash for my car 11 years ago. I was asked on XX/XX/XXXX to co-sign/co-borrow for a XXXX XXXX XXXX XXXX, I told the sales manager I was not comfortable with the amount of the finance charge or the length of the loan. As I am on XXXX, and did not want a debt I would normally not get myself in. Amount financed {$15000.00} which includes {$290.00} for the Gap Addendum Waiver, had I known I could get that on my own instead of adding it to the amount financed I would have not agreed to it. And yes this is a subprime loan but even with a co-signer Sierra Auto Finance charged 20.58 % APR making the finance charge {$11000.00} almost as much as the car! After 72 months the total of payments is {$27000.00} for a used car. The manager assured me the loan could be refinanced without me after a year of on time payments, what he did not say was no one will refinance a car that is 10 years old and it was at the end of 9 years when we signed and 10 by the time I found out. On XX/XX/XXXX we went to a car lot and they ran a report and due to a wreck and potential odometer rollback that we were not told of, they offered {$3000.00}! The payment is {$380.00}, but he did not explain that it is a simple interest contract and the finance charge is charged daily from payment to payment not due date to due date, so if you pay 2 weeks before due date and think your ok until next due date, they are going to be charging you finance charge for XXXX instead of XXXX so basically you are screwed. Earlier in that week of XX/XX/XXXX we had signed a contract for a XXXX XXXX from XXXX XXXX, 60 months and {$5000.00} cheaper but Sierra turned that one down but approved the higher priced one. In my contract that XXXX XXXX XXXX XXXX, the company that is servicing the loan now, the one they sent to CFPB, the dealer section is actually from the XXXX not the XXXX. After I found out about not being able to refinance the car I called Sierra and explained the situation and asked if they would refinance and was told they do not refinance their own loans. I have a copy of the sales contract where XXXX XXXX XXXX XXXX, buyer has same last name as CEO of XXXX XXXX, they bought the car from the auction for {$8700.00}, the finance charge is more than that, and I am paying {$27000.00} for the same one that will be 15 years old by the time it is paid off!
01/11/2018	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 60636	Web
I recently purchased a car through a dealership, XXXX XXXX. A few days after purchasing the vehicle the company who financed the vehicle, XXXX XXXX XXXX, called asking about the deal, where I was informed that the down payment XXXX XXXX asked for was double what I was suppose to pay. After clearing up that issue the week continued. After a week of documentations not being handled, returning the car for break issues, coming to the location about 4 times, and calls not being returned, the dealership gave me a call and asked me to come into the location to sign a missing document. When I arrived at the location I was informed that the finance company backed out the deal because of the down payment issue. I was told by the " finance manager '' that it was my fault the company back out because of the down payment issue. After reminding the man that he was the one who told me and my boyfriend, upon signing the contracts, to bring in the additional {$500.00} two weeks later, I asked to speak to a manager in a position over him. He informed me that they ran my credit again without my authorization and I had no choice, but to either pay the new doubled down payment and higher note through another company or give them the car in a few hours. I left the dealership and called the finance company who informed me the truth. The company had backed out the deal because the company sent over a warranty with someone else 's signature not mine. I also declined the warranty upon finalizing contracts when they asked if I wanted the warranty, they still proceeded to add the warranty after I left the dealership, without my knowledge. The finance company did send the warranty part of the contract, with my disclosed information on it. Also, after deciding to go look at other dealerships. I was informed by a few dealerships that XXXX XXXX " shot gun '' my credit everywhere, adding numerous inquiries to my credit. Two dealerships would n't offer to run my credit because of the numerous inquiries. The salesman from XXXX XXXX, then called me and told me to bring in the car his manager is leaving and that " they are doing me a favor. '' The manager would not even speak to me personally when coming in to get a refund. They made me speak to a salesman who never played a part in any of the issues & contracts, who basically tried to make me settle on two more contracts. I denied both contracts and opted to deal with another company.
10/15/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	NC 28214	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX To Whom It May Concern : I am writing this letter regarding Auto Dealer Fraud and Credit Application Fraud for XXXX XXXX XXXX, XXXX located at XXXX XXXX XXXX XXXX, SC XXXX, and XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX. In XXXX of XXXX my sister purchased a vehicle from XXXX XXXX where originally I was going to cosign on the car, however the sales representative decided my credit was stronger and placed the loan in my name unbeknownst to me. I never signed any documentation or even visit the location and had no idea about the loan until XX/XX/XXXX when I received a call regarding late payments. I explained that I had not financed a car through them and that the car belonged to my sister, I never signed anything so how do I get this handled. I was forwarded over to a supervisor by the name of XXXX XXXX who immediately recognized the signed contracts had been forged because all the signatures looked the same, she forward me the contract and advised to have my sister call in to refinance in her name. I spoke with my sister and she assured me everything was taking care of. I happened to pull my credit report and saw a repossession on my report, I called the finance company immediately and was advised even though she still had the car, because it was repossessed and she retrieved it back it would stay on my credit for seven years I advised them the car should have been removed out of my name and placed in hers because I never signed any documents, I was advised that once she completed the payment arrangement and get back in good standing they would refinance the loan in her name. To date that have not occurred and is still reporting negatively on my credit report. I never signed a contract, I never been to that dealership, I was never told about the loan or the terms regarding the contract and the finance company is well aware of the fraudulent act and did nothing to rectify the situation and continue to report negatively to the credit bureaus. I am pleading for your assistance in getting this matter handled. Sincerely, XXXX XXXX
01/03/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 90247	Web
I have contacted Sierra Auto Finance several times over the past year and a half as an attempt to resolve the issue. XXXX representative even went as far as to say, why are you requesting that I send this information? The issue is that none of this was ever received. I have yet to receive any documentation, however whenever I contact for the documentation, Sierra Auto Finance will re age the account and report it as if the account is a new account. They refuse to validate the debt I say I owe. They have yet to produce a contract that shows that I owe them, a full billing and payment history that shows how they arrived at the balance, documentation of who the alleged repossession agency was and licensing, proof that local authorities were located within XXXX hour of recovery, required notice of Deficiency Balance or Notice of Default with timely and proper service for any said repossession, A copy of your notification and proper service of my right to reinstate, prior to the sale of this vehicle/ Notice of Intent to Sale showing proper with timely and proper legal service, Proof that the repossession agency you used contacted me within XXXX hours of the said repossession with proper documentation ( Notice of XXXX ) as well as the inventory list of personal effects, Inventory of items that was in the vehicle at the time of repossession, as well as the manner in which it was disposed i.e. ( proof of disposal ), XXXX. ) Please provide documentation that the vehicle was sold in a commercially reasonable manner. I have asked that this account stop being reported as a new account with updated terms as well. So not only will Sierra Auto Finance not validate the debt. They also are being predatory in their reporting practices. I have also disputed this with XXXX, XXXX and XXXX with no success. Next stop law suit! Contacted this company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This is a case where I am not getting the XXXX validated as required by law. Do I even owe this debt? Why is it being reported. This is my last stop before filing suit against Sierra Auto Finance.
09/22/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NY 141XX	Web
I have a car loan with XXXX XXXX XXXX. Admittedly, on occasion, I am late on my payments, usually by no more than 2-5 days, maximum. On several occasions, I have received numerous calls attempting to collect the debt owed. I understand they have the right to call as collections, but excessively? Calling me 18 times in a day, while I 'm at work, is utterly unacceptable after being 1 day past due. This is harassment. On top of the harassment on my own phone line, they began calling my references. I also understand this is the purpose of a reference, however, when calling a reference and leaving a voicemail, in no way, shape, or form should voicemails be left that state, " Hello, this is so and so from XXXX XXXX XXXX calling to get in contact with XXXX XXXX regarding her auto loan with us. Please have her return our call or make a payment at her earliest convenience. Thank you. '' These are REFERENCES, not consigners!! It is against the law for them to inform anyone not financially responsible on this loan that I have an account with them, let alone that I am late on my payment. Once again, this is illegal. The media will be contacted to advise of these unethical and malicious collection practices to steer everyone away from using this company. This has caused extreme emotional distress on my part as I am constantly concerned about how they will depict my image to my references when they 're spilling all of the details of my payments. I am a human. We have all been late on something before, and we have all struggled at one point or another. Why would they want to smear the image of a customer? I feel sufficient compensation for this extreme inconvenience and horrible practices would be to forgive one loan payment. Once again, I will take every method possible to expose this company for these malicious practices to steer anyone from doing business with them if they do not find a way to rectify the stress they have put me under.
03/08/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	TX 761XX	Web
XXXX XXXX XXXX has been a big pain!. I've never experienced a negative credit hit and i'm always relatively on time and serious with my payments! My loan has been open since XX/XX/XXXX and each month my bill comes due on the XXXX. Every month I either call in my payment using a checking account or via web to take advantage of a of the free option.On XX/XX/XXXX I logged into their website to make a monthly payment. XXXX XXXX XXXX only provides two ways to 3 ways to make a payment without charging a fee ( i.e. ACH, by mail, and auto pay ) For some odd reason online it kept forcing me to pay a now {$6.00} fee to make a payment using my checking info ( ACH payment ). After several failed attempts to make a free payment i decided to wait til the next day so i can speak with someone about the issues that i was having. On XX/XX/XXXX I contacted XXXX XXXX XXXX to see why I couldn't make a payment for free like I had done the entire time. I spoke with an agent who advised me as of XX/XX/XXXX there is no way to pay free unless its auto pay or by mail. The representative also advised me that management told them to inform us consumers that a letter and email was sent out regarding the update. I advised the representative and spoke with a manager to inform them that they failed to inform their consumers regarding a significant update. I was charged 10 days worth of interest due to me having to mail in a check to take care of my payment. If I had been properly notified, this issue would be unheard of. After speaking with manager, the only thing they could do was apologized for the " inconvenience ''. I have provided proof that on XX/XX/XXXX there website still showed paying ACH as a free option. this financial institution failed to properly notify their consumers of new fees and payment methods. You can not penalize the consumer for this improper conduct
09/10/2017	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
XX/XX/XXXX I financed a blackXX/XX/XXXX XXXX XXXX through Sierra Auto Finance InXX/XX/XXXX, my car was wrecked. After my car was being repaired, I was waiting for rental car reimbursement from insurance company ; the repair shop placed a mechanic lien on the vehicle. During the time, I was waiting for reimbursement from insurance company, I was still making payments to Sierra Auto Finance so I did not think it was an issue. Once I received reimbursement check I went to pick up my car & was told it was picked up by dealership after mechanic lien. I called Sierra Auto Finance to get my car and pay for repair expense, I spoke with someone named XXXX & was told that he did n't know exactly where my car was because it was on it 's way to an auction ; he would try to locate it & call me back. I never heard anything from anyone @ Sierra Auto Finance ever again. I never received anything in the mail via USPS regular mail nor certified letter notifying me of anything such as a deficiency balance letter, Notice of Sale & Right to Redeem, Reinstate Information for Repossession Agency, Notice of Seizure/Inventory List Vehicle Condition Report Proceeds or Sale documentation. Initially it was listed as a repossession on my XXXX credit report, after I disputed the information it was changed to a charge off with a balance of {$XXXX}. XXXX and XXXX are still reporting repossession. I have requested validation through all 3 credit bureaus without resolve.
10/26/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	PA 164XX	Web
I bought my car through XXXX XXXX XXXX In XX/XX/XXXX. On XX/XX/XXXX I made a payment of {$200.00}. I owed {$190.00} plus late fees for XXXX payment, and XXXX payment of {$190.00}, I call them and told them the payment was made. They said it was alright and when could I make another payment. I told them another payment would be made on XX/XX/XXXX and that was good with them.Nothing was mentioned to me, and I never received anything in the mail being repo On XX/XX/XXXX they had my car repossessed, when I called them and asked about it, '' They were not very helpful and would not try to explain the reason for this ''. All they would tell me is to pay {$500.00} dollars and I could get the car back. After they told me that making a payment next week would be fine. I called and ask to speak with a supervisor they would not get one, so I talked to XXXX, I got the same thing from her saying pay the {$500.00} to get the car back. She told me {$200.00} was for past due and {$300.00} for repo fee. I also have to send proof of insurance,2 check stubs, and a utility bill in my name for proof of address. I have always made payment arrangements with them in the past when behind and always got it caught back up as fast as I was able. I was also told when I called at XXXX XXXX on XX/XX/XXXX that I had call and told them I wanted it repo.
10/20/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	PA 187XX	Web
Sierra Auto Finance has been calling me at my place of employment for over a year now. I was ( without my knowledge or consent ) put down as a reference on a loan by an individual that worked with me briefly. I have contacted the company four times to request that they not call me at my place of employment. They have continued to call looking to get a message to this individual. Today I called in reference to their last call ( XXXX/XXXX/15 ) where their agent left a voice message on my work voice mail. When I called and asked for their corporate address the rep I spoke with, XXXX, refused to disclose this information and instead repeatedly asked for my information which I repeatedly told him he was not going to get. I was then transferred to XXXX, a manager, who disclosed the company address but refused to disclose who the current CEO of the company is. I finally gave my work number and explained the situation and she stated she would add the number to filter so they would n't call again. However this is exactly the same thing I was told last time I had to call this organization XXXX XXXX of 2015 ). I find their unwillingness to disclose publicly available information discourteous at best, and at worst fraudulent and deceptive.
01/11/2017	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	MI 483XX	Web
I was approved by Sierra Auto Finance, XXXX, TX for a vehicle loan in XXXX 2016. I found vehicle at XXXX XXXX XXXX, XXXX, MI-signed applicable documents, paid my down payment and took possession of said vehicle. XXXXfour days later, I received a telephone call from Law Auto Sales explaining that Sierra is unwilling to fund my purchase because Sierra can not verify my income after both Sierra and Law Auto Sales verified such income prior to me signing the " Retail Installment Sale Contract '' and taking possession of my vehicle. To date, I have yet to receive a letter of denial of credit from Sierra Auto Finance or Law Auto Sales. In lue of all this confusion, Law Auto Sales instructed me to pay them my monthly payment until further notice. I have been paying Law Auto Sales each month on time for the last four months. Law Auto Sales are refusing to report my credit history to the XXXX or any credit bureau. I have had numerous conversations and over XXXX e-mails requesting that my data get properly reported to credit bureaus and to date, I have no response of satisfaction nor reporting to credit bureaus. It is my hope that you will be able to assist me with this most urgent matter. Thank you.
04/08/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	SC 29154	Web
On XX/XX/19 I obtained a copy of my credit report from the three bureaus, listed on the report was a charged off auto loan listed by XXXX XXXX XXXX. I asked them to validate the debt because I know the account had been paid by the co-signer and removed from the co-signers account. I did not receive validation of the debt from XXXX XXXX XXXX. I went on to their website on XX/XX/2019 to find that they have transferred all of their accounts to a new company, XXXX XXXX XXXX XXXX ( XXXX ). I contacted XXXX and was advised by both a representative and manager that they have no record of the account and was given an email address to contact XXXX XXXX because they no longer have a telephone number. The email address I was given was faulty and not accurate. I have no way of contacting the creditor, XXXX XXXX XXXX, who has listed the account on my report, leaving me with no possible way to remove the item from my 3 credit reports. I have sent certified letters, emails, numerous phone calls with no response. I contacted the bureaus and was advised to do exactly what I have already done for the last 40 days.
10/28/2018	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	TX 761XX	Web
I sent payoff to my finance company which cleared my bank on XX/XX/18. It is now XX/XX/2018 and I have yet to receive a title, paid in full letter, nor release of lien. I have contacted the job several occasions just to get told the same thing, its already been sent out in XXXX. I have XXXX had an issue with receiving mail from this company and AFTER my check was received, Ive not only received a XXXX monthly statement ( even tho it showed {$0.00} owed ) since then, but also a refund of about {$13.00} in which XXXX claims all documents were sent out together with refund and it confirms that I have no issue receiving mail. They are continuously giving me the run around about my title and paid in full/ release of lien even tho I have requested on multiple occasions to have it resent or to send it to my email. This is ultimately the worse finance company Ive ever did business with considering this is my 2nd CFBP complaint within a year!
08/02/2016	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	MN 55106	Web
We had our ca payment in the bank that was the amount due on the car. They failed to take out thr money saying it was an error in there system. My brother in law had just recently passed away and we notified them about it and were going to pay them this friday the XXXX of XXXX. They have been calling more than 3 times a day sometimes up to 7 times a day. We had notified them that what they are doing is harrasement and i dont think it will stop. Me and my wife both work but we have been going thru personal issues as well and they dont seem to understand that. I have been recieving phone calls sonce last week they were even calling on the days of the wake, the funeral and the memorial service me and my wife were attending for her brother. I just feel like they are harrassing they are also harrasing my references.
02/03/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 90247	Web
As a result of previous complaint Sierra Auto Finance agreed to remove negative listings on my credit report. Which the item was removed from my XXXX XXXX and XXXX reports as the company agreed. Sierra Auto Finance then reported this as a new item to my XXXX report on after they agreed to remove it. This item showed up on my report today. I have attached the copy of my credit report where this item was reported as well as the previous complaint where Sierra Auto Finance said that they would not report the negative item anymore. Why would you agree to remove it to report it to another credit reporting agency. This is malicious, to agree to remove the item and to report it to another agency.
04/13/2021	No	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	PA 15235	Web
The credit card company has an obligation as Trustee of the account to file all of the IRS Tax forms related to the account in order to follow all of the GAAP -General Accounting Accepted Practices. I am asking for receipts of those filings. Also it has been established by an Act of Congress, abolishing debt peonage according to public laws attached to the documents below. PUBLIC LAW -Thirty Ninth Congress Sess II Ch 187, 188 1867 Pg. 546. March 2 1867, CHAP XXXVIL. This company contacted XXXX, XXXX XXXX a private citizen concerning a debt that was purchased from another company. There is no wet ink signature contract with this company. There are deceptive practices occuring.
05/10/2017	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	TX XXXXX	Web
I am writing to dispute the following information in my file. I recently received a copy of my credit reports. The credit report showed credit inquiries that I dont 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 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 T he following credit inquiries are related to none of the aforementioned permissible sierra finance XXXX / XXXX / 2017
09/23/2015	Yes	Debt collection Auto	Improper contact or sharing of info Contacted me after I asked not to	AZ 850XX	Web
I previously filed a complaint against Sierra Auto Finance for harassing me in regards to an account for my brother, CFPB Complaint # XXXX ( XXXX XXXX, 2015 ) The complaint was responded to by XXXX XXXX - VP Collections. He had said at that time that a permanent block had been placed on my phone number. I received another call on XXXX XXXX again apologizing for the call but still asking if I can get a message to my brother. This seems like a polite way to continue to break the law. I contacted an attorney after I received the call. My attorney sent a demand letter to their address XXXX XXXX XXXX XXXX XXXX, Texas XXXX. No response was ever received to the attached letter.
11/21/2018	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	IL 60647	Web
The company XXXX XXXX appeared on my XXXX credit report on XX/XX/2017. It appears to be finance and personal under business type. When I contacted the company, they informed me that my social security number and other identifying information was used in an attempt to acquire a car loan. I informed the company that I have not submitted any form of application for auto financing and that this inquiry was initiated without my consent or knowledge or permission. The company said they will document the issue and contact me back with further instruction. I have yet to hear back from the company and each time i contact them further, I am told the same thing.
08/25/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	PA 19050	Web
Sierra auto charges their customers over {$100.00} a month if they are over 10 days late ( contrary to how their contract reads ). Their payment system processes their payments as cash. Most major credit cards have a cash limit that does not meet the price of the monthly payment. By having this in place and not working with their clients to change their due date, Sierra is forcing people to pay way more than originally agreed upon. I am over XXXX into a XXXX loan that has an additional XXXX in financing charges. My payoff is close to XXXX and a supervisor has not called me back in three months to give a decent resolution.
04/26/2016	No	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 77083	Web
Sierra Finances calls my relatives every single day. Each time disclosing all my personal business. They call my XXXX year old grandmother everyday and try and scare her into giving them my number, which they already have. Hey called me on yesterday at my jib4 times in a row. I have already told them I am not allowed calls and to cease and desist. I told her again yesterday and she over talented me and told me that is irrelevant. She just kept talking on the line that my manager was on listening to my personal business. She also talked to XXXX different people before me and was told I can not receive personal calls.
12/12/2019	No	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	TX 75231	Web
I bought my car in XX/XX/2017 and was told by XXXX XXXX this car would rebuild my credit. I paid on tune for over a year and during hard ships they never allowed payment plans. They completely scammed. Me to get me in the car with a higher car note I wAs told I could trade it in and was never allowed to. I recently lost my job and paid half of the note and was never behind or show a history of constantly missing a payment. They didnt work with me at all as a single mom and I lost my car. I have gotten 2 cars from XXXX XXXX both were processed wrong. Sierra finance ( XXXX ) XXXX
12/30/2017	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	IL 60620	Web
I have several unauthorized inquiries and its affecting me getting a loan for my daughter college education. I have several inquiries from XXXX XXXX, XXXX XX/XX/17 XXXX and XX/XX/17, XXXX XXXX XXXX, XXXX XXXX XX/XX/17, XXXX XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XXXX XXXX XX/XX/17, XXXX XXXX XXXX XX/XX/17, XXXX XX/XX/17, XX/XX/17, XX/XX/17,XX/XX/17,XX/XX/17,XX/XX/17, XXXX XX/XX/17, XXXX XXXX XX/XX/17, XXXX XX/XX/17, XXXX XX/XX/17, XXXX XXXX XX/XX/17, XXXX XXXX I contacted all these places and customer service would not take care of the negative inquiries on my report
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.
12/21/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NY 11207	Web
My name is XXXX XXXX. The XXXX XXXX was towed by the city of New York. I had to pay the tickets so I could not continue to make the monthly payments. XXXX XXXX finance got the car from the XXXX, and when I tried to take the car back and to make payments, the customer service tech refused to lower the fees and deposits in order for me to get the car back. If you look at my payment history, it will show payments for about a year. Therefore, I would the account to be removed from my credit reports immediately. SS # XXXX.
06/04/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CA 92336	Web	Servicemember
Around XX/XX/2015, I notified XXXX XXXX XXXX that I was a member of the United States XXXX and I was being XXXX and could no longer pay on this very high interest car loan. On 10 occasions I called or emailed the company to try to figure out a alternative payment arrangement, the company never responded. I also requested relief using The Servicemembers Civil Relief Act ( SCRA ), the company never responded, which is a clear violation of the SCRA. I finally requested for the car to be picked up voluntarily.
09/13/2019	No	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	TN 38116	Web
On XXXX/XXXX/19, a man from Sierra XXXXXXXX called and left a message on my managers office number threatening to take action if I did not call before XXXX XXXX. I called and advised the company that I filed a chapter XXXX bankruptcy and they would receive payment that way. The man started talking to me in a disrespectful tone. I asked for the mailing address so that they could receive the filing information and was told they do not have a mailing address and I need to pay the money back.
06/19/2017	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 76006	Web	Servicemember
I had fraudulent charges and my credit ran in my name and I called every single one of the places I 'm about to name about the the inquiries I have from these places and they took my number down telling me they would get back to me and I have n't heard from anyone. I have unauthorized inquires from the following : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
05/02/2018	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	IL 622XX	Web
I contacted XXXX XXXX XXXX to provide me with proof that I authorize a hard inquiry on my credit report they failed to do so therefore they are in violation of the Fair Credit Reporting Act section 1681 if they don't remove my hard inquiry I want {$1000.00} dollars. They sent me a letter telling me to contact another company but XXXX XXXX XXXX name is on my credit as a hard inquiry it is there job to provide me with proof I authorized
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 XXXX XXXX XXXX ( creditor ). He agreed but I have three inquires on my credit report - XXXX XXXX, XXXX. In XXXX of XXXX I called the salesman ( XXXX ) and asked why he did not follow our agreement and he 's response was that it was not him, it was his manager.
08/18/2017	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 48036	Web
Tried contacting, no luck. No help with customer service. Need this taken off credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX,2016 XXXX XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX,2016 Sierra Auto Finance XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX,2016
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.
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	NC 27604	Web
On XX/XX/2019 I reported my Vehicle as paid off from XXXX XXXX company formerly Sierra finance. This information was given to XXXX and XXXX via an upload of document mailed to me by the creditor and a case for dispute opened. XXXX reported the case as resolved stating this will remain on my credit file.
08/07/2017	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	PA 19136	Web
someone opened an account as defined in the FCRA without my authorization causing a debtor status to be placed upon me. Now this negative information is reflected in my credit file. SIERRA AUTO FINANCE LLC ACCOUNT # - XXXX alleged balance XXXX SIERRA AUTO FINANCE LLC ACCOUNT # - XXXX alleged balance XXXX
04/09/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	WV 254XX	Web
The auto loan is currently XXXX days past due, and the finance company has begun to call references, and release sensitive information about the loan, and delinquency ( past due status, days past due, past due amount ) to these references. as of right now, it has been XXXX.
06/13/2018	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	IL 60612	Web
I have been unable to obtain accurate account info and balance info regarding this account. Account number and balance are both incorrect on my credit report. For debt to be legitimate report to any bureaus it must be accurate, verifiable, and true.
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	TX 79705	Web	Servicemember
I spoke with the creditors and I also called XXXX XXXX and I was given false information from both parties concerning ways of getting this problem resolved. I was told in the past XXXX XXXX were experiencing problem with this situation.
02/19/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	PA 190XX	Web
I purchased a XXXX XXXX XXXX in XXXX XXXX. I have made 2 payments so far but Sierra is reporting an increase in my original balance. My original balance was {$16000.00} but Sierra reported an increase to {$16000.00} on my credit reports
07/27/2016	Yes	Debt collection Auto	Improper contact or sharing of info Contacted me after I asked not to	TX 75253	Web
I have ask the company to not contact me in regards of my account informed me they will still call me after I ask them not to then threat to repo the car. They are very rude and disrespectful I ca n't believe company like this exits.
09/02/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	MD 206XX	Web
I filed bankruptcy because I have XXXX and could not work anymore to afford the payments. I surrendered the vehicle and I was told that it would come off my credit. They told me that it would be removed and it has not.
02/28/2018	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	IN 478XX	Web
I was checking my XXXX XXXX report and noticed hard credit checks for places I've never been. Places states away and I do not understand why they are there? I attached pictures with all that info.
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
XXXX is continuing to report my identical twin sisters information on my credit report. After removing information two accounts inaccurately reported. They refuse to remove the inquiries.
09/24/2023	No	Vehicle loan or lease Loan	Credit monitoring or identity theft protection services Problem with product or service terms changing	TX 78207	Web	Servicemember
As this is unverifiable FCRA Sect 611 Requires this account be deleted immediately.Mistaken identity the truck got towed, misleading information. XXXX XXXX ( XXXX ) XXXX
04/16/2020	No	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	FL 33069	Web
I have asked the caller twice not call me at work. My boss has stated this is violation of the company 's policy of personal time during working hours
08/31/2019	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	VA 23236	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.
11/10/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	GA XXXXX	Web
SIERRA AUTO FINANCE ... XXXX REPORTING ID FRAUD ACCOUNT, NOT MY ACCOUNT NEVER DONE BUSINESS WITH COMPANY AND NEVER HAD AUTO LOAN
08/10/2017	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	WV 254XX	Web
On XXXX XXXX, 2017 i received notification that Sierra Auto Financing pulled my credit for an auto loan that did not authorize.
02/21/2018	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	MO 63118	Web
I have inquires on my report inwhich I have No knowledge of all these inquires occurred on XX/XX/2017 XX/XX/2017
09/15/2020	No	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	IN 46307	Web	Servicemember
On XX/XX/2020 someone using my personal info tried getting a payday loan in my name. XXXX was no help
01/06/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	MN 55408	Web
Unauthorized inquiry and/or unknown company
01/11/2024	No	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	TX 787XX	Web	Servicemember

11/05/2022	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 95838	Web

10/03/2022	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 Their investigation did not fix an error on your report	AL 36618	Web

11/16/2021	No	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	MO 64138	Web

10/08/2021	No	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43302	Web

12/13/2020	No	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TN 38118	Web

09/03/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85016	Web

05/01/2020	No	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect		Phone	Older American

08/16/2019	No	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	PA 15235	Web

08/04/2019	No	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	TX 75050	Web

04/18/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	NY 10314	Postal mail	Older American, Servicemember

04/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 44137	Web

03/05/2019	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		Phone	Servicemember

03/05/2019	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		Phone	Servicemember

03/01/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 30021	Web	Servicemember

11/27/2018	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt		Phone

10/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect		Phone

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	IL 60620	Web

07/12/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	PR 00765	Phone

06/20/2018	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	TX 76002	Web

06/15/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TX 76002	Web

06/09/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TX 76002	Web

04/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28215	Web

02/24/2018	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	MN 55113	Web

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	TX 76087	Web

01/21/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	IN 46319	Web

01/10/2018	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	MO 63136	Web

01/03/2018	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	FL 32255	Web

12/23/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 64870	Web

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	TX 75104	Web

11/05/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	GA 31406	Web

11/01/2017	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 77089	Web

10/03/2017	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	CT 06851	Web

10/02/2017	Yes	Vehicle loan or lease Loan	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30353	Web

08/17/2017	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	IL 62088	Web

06/24/2017	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	DE 19720	Web

06/20/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 75085	Web

05/26/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle		Phone

03/24/2017	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	TX 75050	Web

03/20/2017	Yes	Credit reporting	Incorrect information on credit report Reinserted previously deleted info	MI 48214	Web

11/18/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AZ 85204	Web

11/04/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 75043	Web

08/03/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 75428	Phone

07/26/2016	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	MO 65202	Web

07/11/2016	No	Consumer Loan Vehicle loan	Managing the loan or lease	NC 28001	Web

05/04/2016	No	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 76006	Web

04/07/2016	No	Consumer Loan Vehicle loan	Shopping for a loan or lease	GA 30034	Web

02/09/2016	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	GA 30096	Phone

11/09/2015	Yes	Debt collection Auto	Improper contact or sharing of info Contacted me after I asked not to	OH 44870	Web	Servicemember

06/18/2015	No	Debt collection Auto	Cont'd attempts collect debt not owed Debt is not mine	TX 75126	Web

06/02/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	OH 43569	Phone	Servicemember

05/14/2015	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt is not mine	TX 75126	Web

03/04/2015	Yes	Debt collection Auto	Improper contact or sharing of info Contacted me after I asked not to	AZ 85028	Web

12/29/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	IL 60804	Phone

11/25/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	MO 65807	Web

11/10/2014	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	IL 61234	Web

09/18/2014	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt is not mine		Phone	Older American, Servicemember

06/26/2014	No	Consumer Loan Vehicle loan	Managing the loan or lease	NY 11219	Web

04/29/2014	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	MO 65807	Web

01/21/2014	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	SC 29690	Web

01/07/2014	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	NJ 08873	Web