Stellantis Financial Services US Corp. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
12/30/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75237	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. FIRST INV SC bal. {$4600.00} 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
12/20/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76014	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 TXXXX 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. FIRST INV SC 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
07/22/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	NC 28715	Web
Harassment by Debt Collectors Is Illegal The Fair Debt Collection Practices Act ( FDCPA ) prohibits a number of harassing behaviors used by many unscrupulous debt collectors. While some people call these actions offensive or obnoxious, they are unlawful if they cross the line between legal and not allowed under the law. However, its important to note that the FDCPA only applies to debt collectors. Debt collectors include collection agencies or attorneys working on their behalf, but it does not cover banks or original creditors trying to collect debts you owe them. Harassing behaviors are prohibited if they take place while a debt collector is attempting to collect a debt from you. The following are examples of harassing behavior by debt collectors : Calling repeatedly with the intent to annoy you or harass you, including calling before XXXX in the XXXX or after XXXX at XXXX ; Withholding your mail from you or opening your mail without permission ; Contacting others about your debt, including family members, friends, co-workers, and neighbors ; Making false statements about the amount owed or the status of the debt ; Threatening you or your family with violence or use of a weapon ; Using obscene language ; Communicating with you by postcard, letter, fax, email, or other non-traditional forms of communication beyond phone calls ; Taking your belongings without permission ; Calling a consumers place of employment Notice that most conduct listed is not harassing if it makes an individual aware they have a legal obligation to pay money. It becomes harassing when used to annoy, pester or intimidate someone into paying money they dont think is owed. Under the FDCPA, Section 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. If you are being harassed by a debt collector who works for a company collecting debts related to medical bills, student loans owned by the U.S. Department of Education, old mobile phone accounts owned by XXXX or XXXX XXXX XXXX, or the IRS, you may also wish to contact the original creditor or government agency directly. Beware of Debt Collector Scams Although the federal government has created laws to protect you from harassment by debt collectors, some companies and individuals out there try to take advantage of consumers and use deceptive practices to collect debts that arent owed. If a company or individual contacts you about a debt but can not provide you with proper identification or refuses to verify your account information when asked, we suggest immediately contacting your states consumer protection division for assistance. Connect with our law firm immediately to learn about how we can help you fight back against these illegal or scam attempts to get you to pay debts. Exact situation as XXXX testimony on your website.. I purchased a vehicle with XXXX and later refinanced through XXXX XXXX XXXX. I though this process would lower my monthly payment, and it did '' about XXXX bucks '. The process required a ton of documentation, and I was never told that XXXX Investors would be the creditor. The majority of my payments go toward the astronomical interest. The loan feels like it is designed to skim as much interest as possible before the remaining amount is place toward the principle. I called customer service and asked about an interest rate reduction, '' but all I got was rude treatment informing me that I am obligated in the loan until XXXX ''. After the shock wore off, I filed a better business bureau complaint to ask about the interest reduction again, '' my complaint was never answered ''. I understand the process of Arbitration since I am also a paralegal, and I would like to challenge XXXX investors. My credit score has increased XXXX points, XXXX investors will not even discuss a rate reduction, I am unable to trade my vehicle for a new car due to the interest being charged, and the principle that doesn't seem to go down. Asking about a reduced interest rate doesn't raise any eyebrows, '' so I am considering a voluntary surrender after I get a new vehicle ''. These people are predators working with a spiderweb company called XXXXXXXX XXXX.
08/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 94518	Web
As a consumer I have researched and discovered that there have been multiple reporting violations to not only my privacy but accuracy of information. This has causes hinderance in my daily life as a consumer as I have tried to resolve these reporting issues plenty of time only to receive denial and rejection of every attempt when removing inaccurate items from my credit report. I have attached a letter directed to 3 main financial institutions and 3 main Credit reporting agencies that have hindered my progress as a consumer and created great hardship and mental strain. Please refer to the attached letter for further details of this situation. I have noticed multiple inaccuracies and unfair consumer reporting practices amongst XXXX, XXXX, and XXXX along with XXXX XXXX XXXX XXXX, Stellantis, and XXXX XXXX which are financial institutions that have negatively impacted my credit report. They are in direct violation of the Fair Credit Reporting Act 15 USC 1681 section 602 a which states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX. 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 this rule is mentioned in 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. " XXXX XXXX XXXX XXXX, Stellantis, and XXXX XXXX are all financial institutions by definition under that title. 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. XXXX XXXX XXXX XXXX, Stellantis, and XXXX XXXX, the financial institutions and the Consumer reporting agencies XXXX, 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, XXXX, XXXX XXXX XXXX XXXX, Stellantis, and XXXX XXXX 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 XXXX, Stellantis, and 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, 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, XXXX XXXX XXXX, am opting out of your reporting services. Any and all reports that have previously unlawfully reported must be removed upon notice of this letter.
07/20/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	CA 95687	Web
I recently went to a dealership and was discriminated against, and denied an extension of my credit as the dealership initiated transactions and I was given no benefit, but to be a as precise as possible I will send the letter I sent to them. Explaining precisely what was done. During the time of the transaction at the dealership when the credit extension was initiated, I informed them of my knowledge of the laws and how the consumer credit transaction is supposed to take place and the general manager should clear indication of agreement and then Mocked me out of the dealership refusing to comply and inform the banks of my consumer rights and laws. Purposely he refused to follow through after running my credit. XXXX XXXX, XXXX, XXXX of XXXX. Precisely this is what occurred and also the letter that was sent to them. In Pursuance of 15 usc 1602 L the term credit card was used to initiate a consumer credit transaction. The term credit card means any card, plate, coupon book or other credit devices existing for the purpose of obtaining money, property, labor or services on credit. I am also the cardholder and holder in due course. So in pursuance of 15 usc 1602n I am the one who came in with the credit card to initiate the transaction, it is not possible to get denied with something I came in with. The term adverse action never mentions anything to do with the consumer getting denied credit because it is impossible to get denied in something that Im granting to your corporation, the right to extend credit. So in pursuance of 15 usc 1602 the term credit means the right granted by a creditor to a debtor to defer payments of debt or to incur debt and defer its payments. Credit is my right and Im the one who regularly extends credits in the connection with loans in pursuance of 15 usc 1602G. I am the original creditor and I am well aware of my rights. I know that reporting to the consumer reporting agency is voluntary. This is a private transaction and this an unfavorable situation to me the consumer. No where in the term adverse action defined within the FCRA does it mention that a natural person can be denied credit. So as an original creditor it is not lawful to be denied my right to grant credit, furthermore my credit was used and I received no benefit from the use of my credit. An inquire popped up on my consumer report which is a receipt of the transaction meaning someone got paid off my credit and I received no benefit at all. In fact damages were done to the denial of my rights mentally and financially. As used in section 1643 of the title the means of a credit card by a person other than that, The cardholder who does not have actual implied or apparent authority or such use from the cardholder which receives no benefit. Ive been discriminated against as there are no federal laws that state a credit score can deny me my right to extend credit. Ive, in good faith exercised my right, and I, the natural person, have been discriminated against in pursuance of 15 usc 1691. So it shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction. For the damages that have been done to my mental distress and financial reputation, as I take my consumer report and life seriously, I will take this to a federal level if my request to open the account in which adverse action has taken place is not met. Im aware of my open end credit plan my right to contract unlimited without being denied. I demand your company reinvestigate this matter, abide by federal law and open up the accounts in which Ive extended credit.
10/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 377XX	Web
I have repeatedly have tried to contact First Investors AKA Stellantis Financial Services. I am getting no response and no help. I opened my loan with this company in XX/XX/XXXX. I had made all of my payments debit for each month. Nobody at First Investors contacted me until I called in a payment for the month of XXXX to pay via phone ( I usually make my payments online ) and my account showed normal and on time. While on the phone with this operator in XX/XX/XXXX. This operator advised I was multiple months behind on my loan and I advised them that is impossible because everytime I have made my payments the money is debit from my account ( s ). The operator kept telling me that EACH bank I used was putting a " stop '' on the payments. I contacted my bank ( s ) and each bank advised that they were not putting " stop '' on my payments and that the recipient had received the funds. First Investors claimed that they " refunded '' stop payments to me BUT I NEVER received a refund from First Investors. In order to get my money back I had to file disputes ( MULTIPLE ) to get my money back just to deposit it into a different account and repay the money. Which I did. My account appeared current everytime I logged in online which I did almost weekly to keep track. There was no evidence/reason for me to feel that there was anything wrong. I attempted to contact First Investors Compliance Department MULTIPLE times with NO assistance. In order for First Investors to even research and correct their wrongful documentation and negligence I had to report First Investors to your agency ( CFPB ) and the Federal Reserve. The DAY AFTER filing these complaints First Investors looked into my account after I had called and told an operator that I had reported them to these agencies due to being negligent. First Investors claimed I owed them money, which I didn't. Their agency documented my account incorrectly and therefore they had falsely reported to the credit burues which I tried for weeks to get help and NEVER DID. This is NOT the first complaint this company has received in reference to this same issue. The day after reporting first investors to government agencies they finally researched my account and advised me that an employee incorrectly documented my account and that they were going to correct their mistake financially on my account due to their negligence and claiming I owed them money ( which I did not ). I made each one of my payments. Due to this negligence they falsely reported to the credit burues and I have attempted to reach out to this agency via email to the CHIEF COMPLIANCE OFFICER XXXX XXXX, XXXX XXXX, AND the Credit Compliance department with First Investors AKA Stellantis Financial Services. I have got no response in reference to my inquiry. They have claimed to have corrected the report to the credit burues BUT THEY HAVE NOT! I have even sent them copies of my credit reporting and still NO RESPONSE. This company is falsely reporting information and neglecting to correct their mistake. ONCE AGAIN! please help me. I also on this date, XX/XX/XXXX, I submitted a report to https : //www.econsumer.gov. I can provide this reference number at your request.
06/13/2023	Yes	Vehicle loan or lease Lease	Getting a loan or lease Changes in terms mid-deal or after closing	OH 432XX	Web
A lot has happened with this matter, so I am summarizing in short to get the process started and reserve the right to clarify and provide a more detailed response, as needed. Some items were resolved so not going into much/any of those. In my opinion, my experience and perception suggest that Stellantis and Stellantis Financial have not been ethical in dealing- I think there is a conflict of interest and has cost me, as a customer, financially. In short, I wanted to lease a XXXX with Stellantis ( XXXX XXXX, as the dealer ) and was not given an option with the finance company, where I was told I would be going with Stellantis Financial. Only some issues, as follows : - Had issues receiving the XXXX at the onset ( XXXX sat at " the yard '' for weeks/no movement ), the XXXX wasn't detailed ( e.g., packing adhesive still on vehicle ), there was chipped paint, had to pay for extension of registration as a result -The XXXX was delivered with more mileage than the contract. When I questioned, told it would be corrected and never was. Folks from XXXX XXXXStellantis shared that the finance company requires the contract to be under 500 miles otherwise it " throws up a bunch of red flags, '' although I was assured it was in my best interest. I dont see how that's the case. From my perspective, the contract was falsified -The contract didn't state any stipulations in terms of over-mile charges or alike. I was contacted a week later ( after I took possession of the vehicle, provided {$5700.00} down/they cashed the check ), they shared I dont have a contract and they need to make changes to the contract and I needed to initial those changes -- otherwise I don't have a contract and they would need to take the XXXX. They said the Financial Services company said they will not book the loan. Financial Services company said this was not the case. Not sure what is accurate. -Lease booked with incorrect due date vs. what was state on contract. Representative XXXX XXXX XXXX told me she could only make that change if I paid another payment with her over the phone. I told her I have auto-pay. She made me make a payment anyway. Auto-pay then took out another payment days later. -When attempting to work directly with Stellantis and Stellantis Financial directly, emails and phone calls are ignored, wait times to speak with a manager ( if at all ) vary from 30-60 minutes ), promised return calls have not been returned. After 4-5 of these experiences over 45/60 days, I can only conclude that this is their tactic to ignore customer complaints. I personally believe that Stellantis and Stellantis Financial have a conflict of interest, as they are doing the right thing for themselves ( my experience/examples above ), but not the right thing for the customer/client. This whole situation has not only taken 10-12+ hours of my time, much frustration, and a financial impact/loss. XXXX XXXX ( Stellantis Corporate ), XXXX ( manager ), XXXX XXXX XXXXXXXX XXXX manager ) all have been unresponsive to providing explanations and resolving this matter.
09/13/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	AL 35244	Web
Due to a personal matter, I have fallen 1 month behind on my car note with First Investors Servicing Corporation. I have been calling since XXXX to get a XXXX extension filed. Back when I first called in I was told I was eligible for an extension, but in order to be approved I needed to update my insurance. Well that's what brings me to this complaint. I have done my due diligence in providing proof of insurance, however, their system is still showing that my insurance is inadequate. The first rep I talked to was XXXX XXXX. He gave me the info to contact their vendor XXXX XXXX to send them the documents to update my insurance. I worked one on one with a rep for XXXX XXXX and provided my declaration page. She said I was good and everything is showing updated. Wrong!!! Call First Investors back after XXXX business days to do the extension and my insurance was still showing inadequate. So I talked to XXXX XXXX and he said to send him my declaration page and he'll send it over to the insurance vendor for me. Gave it another XXXX business days, never heard back from anyone, so assumed everything was good and called back to file the extension again. Insurance is still showing inadequate. So the rep XXXX XXXX I talked to said the same thing send him the declaration page and he'll send it over for me. So I did, waited another 7 business day and called back and still showing inadequate. At this point I'm getting highly frustrated that I can't get nothing done in order to file my extension. So that time I called back I talked to XXXX XXXX again and this time he told me they just had changed vendors and I would need to update my insurance with www.myinsuranceinfo.com. So I did and it said that it couldn't locate my loan information. So I called the vendor at XXXX and they said yes XXXX XXXX is our new client, but however, they haven't sent over all of the loan documents, so therefore, there wasn't nothing they can do to update my insurance. Then on XXXX XXXX I called back and talked to XXXX XXXX and asked to speak to a XXXX. Well the XXXX or supervisor never did take my call and instead had asked XXXX to ask me to email her my declaration page and they would review and get back with me. So I did and as of today I have yet to speak to a XXXX and my insurance is still showing inadequate. I'm not understanding why it's so hard to update insurance on their system. I've never had this issue since being a customer for 3 years. Something tells me they use to do the verification in house and decided to outsource to a vendor, and I'm going to tell you from experience that having a vendor to do your work isn't all that great. I'm needing to speak to a XXXX ASAP to get this taking care. Check my notes on account # XXXX and you'll see what I have been dealing with for a month now. This is ridiculous. I can be reached at XXXX. No more running around and no more emailing anymore reps until I speak to a XXXX cause nothing is getting done. I'm attaching my declaration page here. Doubt it will do any good, cause emailing it sure didn't.
11/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 366XX	Web
According to The Family Educational Rights and Privacy Act ( FERPA ) 20 USC 1232g ( b ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public and private elementary, secondary, or post -secondary school. I would also like to add according to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is a need to insure that the 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 customer 's nonpublic personal information. " ( XXXX XXXXXXXX XXXX ) is a financial institution by definition under that title .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. " ( XXXX XXXXXXXX XXXX ) 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, ( XXXX XXXXXXXX XXXX ) whether it be vebal, 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 if 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 1681 ( 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 the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against law. 15 U.S. Code & 1681 s-2 ( A ) ( 1 ) A 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. 15 U.S. Code & 1681 ( e ) states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( C ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) 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. ''
12/28/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	MI 490XX	Web	Servicemember
In XX/XX/XXXX I refinanced my XXXX XXXX XXXX. The original loan was through Stellantis Financial and it was refinanced through XXXX XXXX. On XXXX via priority USPS mail I sent a XXXX XXXX XXXX to Stellantis in the pay off amount of {$28000.00}. Per USPS tracking this was received by Stellantis in their XXXX, TX address on XXXX. ( see attachments ) This check was cashed by Stellantis and the funds were paid out on XXXX. ( see attachments ) However, Stellantis continues to send me late payments notices, late fee notices, and now a letter threatening vehicle repossession citing they have not received payment. I have contacted Stellantis via phone XXXX times. On XXXX I spoke with a manager, XXXX XXXX, and emailed her a copy of the cleared check which XXXX XXXX had provided me in an attempt to help remedy this. XXXX XXXX confirmed receipt, said she would look into it and I would be contacted in XXXX business days. ( see attachments ) Stellatis never contacted me except via an automated text to alert me my payment was due. On XXXX XXXX, a XXXX XXXX representative, contacted Stellantis with me on the line via a XXXX call to further certify they had paid out these funds to Stellantis and to obtain proof of ownership or vehicle title reflecting XXXX XXXX as the first lien holder per the refinancing agreement. Over a XXXX XXXX XXXX XXXX XXXX time span, the XXXX XXXX Representative and I were transferred to XXXX different people with no one providing any remedy. Again the cleared check was requested and emailed to XXXX XXXX who confirmed receipt. The only explanation given was that the check was cashed but not processed because they ( Stellantis ) are having problems on their end with their payment processing and their payment processing team is behind with " a long queue '' of payments. I was told I needed to be patient as " first come, first served. '' Supposedly there have been XXXX payment researches opened on my behalf. Meanwhile I continue to receive calls, texts, and letters about missed payments and late fees. On XXXX I received a letter from Stellantis threatening repossession if they do not receive their funds by XXXX. ( see attachments ) They have received these funds and cashed them via the company 's XXXX XXXX account. I can provide this account number as it is indicated on the back of the cleared check ( see attachments ). The back of this cleared check also indicates the po box the check was sent to, the same address I sent payment to on XXXX via USPS certified mail as stated previously ( see attachments ). I am also prepared to furnish any phone records to show how many times I've attempted to contact Stellantis in regards to this matter.
10/11/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with additional add-on products or services purchased with the loan	TN 38116	Web	Older American, Servicemember
On Saturday XX/XX/2023, we got in the line at XXXX that morning at the XXXX Car Dealership on XXXX XXXX XXXX XXXX XXXX XXXX Ms. We were invited to this advertisement from a XXXX XXXX from a sales representative for XXXX XXXX The doors were supposed to open at XXXX but didn't until around XXXX. The advertisement was everything {$79.00}. My husband and I spotted a XXXX XXXX that was a part of the {$79.00} advertisement inventory. The lines were very long, and we stood outside for more than 6 hours, they had a person on the microphone being loud and saying very inappropriate and unprofessional statements. I was very tired, and my blood sugar was very low, the sales rep at this point was pushing to get my file to another office across from the car dealership that was advertising the {$79.00} deals. The car salesman was working other deals at the same time he was working mine, do the paperwork was never reviewed with us step by step. He had us to sign the area on the contract without fully reviewing anything with us. We finally finished after being at the dealership for well over 9 hours out of my Saturday. Once, we drove off the lot with the car the engine light started coming on and not to mention this car deal had nothing to do with the {$79.00} deals as it was advertised. After going through all of this, my husband and I decided we didn't want the vehicle and would return it within the time frame the law supports. The deal with the car was not completed until after XXXX that Saturday afternoon. Due to the weekend and Monday a holiday and the dealership was closed we returned the car that Tuesday early morning. We submitted a letter to the dealership stating that we are returning the car and didn't want to proceed with the deal. They took the letter but was trying to refuse our request to stop the contract and that the car was now returned and we didn't want it. We were treated very unfairly by the dealership, but we never once kept the car upon us returning it along with a letter stating we had returned the car and didn't want to proceed with the deal. I have attached documents pertaining to this claim. Now the loan company XXXX has attacked my credit rating, and we don't have the car it has been at the car dealership since XX/XX/2023. We have no collateral, and it is still at the dealership. This loan has been updated to my credit file unfairly and without any regard of us requesting the deal be terminated within the 72 hours limitations. I have supporting documents for this complaint.
09/09/2022	Yes	Vehicle loan or lease Lease	Getting a loan or lease Confusing or misleading advertising	IL 60426	Web
NOTICE OF OBLIGORS RIGHT TO RESCIND. To whom this may concern : I XXXX XXXX : XXXX am hereby invoking my rights as a consumer and natural person to rescind this transaction, including the Power of Attorney, and arbitration agreement pursuant to 15 US Code 1635 and 12 CFR 1026.15. XXXX XXXX XXXX XXXX is formally being put on notice to rescind and has 20 days to respond. In reference to 15 US Code 1635 ( i ) 4. The Applicability This subsection shall apply to all consumer credit transactions in existence or consummated on or after XX/XX/1995. 32 CRF 232.3 ( 1 ) Consumer credit means credit offered or extended to a covered borrower primarily for personal, family, or household purposes, and that is : ( i ) Subject to a finance charge ; or ( ii ) Payable by a written agreement in more than four installments. Please note, returning the property is impracticable and inequitable and so the decision to maintain possession of my property is being made without recourse. Furthermore, XXXX XXXX XXXX XXXX shall no longer hold any security interest in my property and at once will grant me all rights and titles to that of my vehicle, Be aware, all monies collected in the form of a down payment and other unknown monies involved, shall be returned immediately. Should there be any illegal and unlawful acts performed by any third party organization, this will result in legal action being taken immediately and prosecution will be carried out to the fullest extent. 15 U.S. Code 1692i - Legal actions by debt collectors ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. Everything written in this document is not to be construed ; my intentions are clear. I hereby affirm all facts stated above, I declare these facts be truth, so be it. I purchased my vehicle under deceptive practices, I was deceived when purchasing my vehicle that my entire down payment would go towards my vehicle and it was mandatory that I put down {$2000.00}, I was later informed that it did not nor, was it required that a deposit be made to purchase a vehicle. I was also never informed of the fact I could rescind the vehicle contract. I was also mislead in when i was told to purchase insurance to drive off the lot when in fact insurance off the vehicle and all other charges should be included in the finance charge.
07/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91405	Web
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against FIRST INVESTORS SERVICING regarding an auto loan for a XXXX XXXX XXXX that is erroneously being attributed to me. I firmly believe that I am not financially responsible for this loan, as it was explicitly assigned to my ex-wife as part of our divorce settlement. To provide some context, my ex-wife and I finalized our divorce on XX/XX/XXXX. During the divorce proceedings, the division of assets and liabilities was meticulously examined and agreed upon. The auto loan in question was explicitly included in the division of liabilities, with my ex-wife assuming full responsibility for its repayment. However, despite our divorce decree clearly outlining the allocation of debts, FIRST INVESTORS SERVICING continues to hold me accountable for the auto loan. I have made multiple attempts to resolve this matter directly with FIRST INVESTORS SERVICING, providing them with the necessary documentation and legal evidence to support my claim of non-liability. Regrettably, these efforts have been met with indifference, resulting in continued demands for payment and negative reporting on my credit history. I respectfully request that the Consumer Financial Protection Bureau intervene in this matter to rectify the situation and ensure my rights are protected. Specifically, I am seeking the following actions : Removal of negative credit reporting : I request that any negative information associated with this loan be promptly removed from my credit report, as it inaccurately reflects my financial responsibility. Cease and desist all collection activities : I insist that FIRST INVESTORS SERVICING immediately cease all collection attempts related to the auto loan in question, as it is not my liability and continues to cause unnecessary distress and inconvenience. I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and take appropriate action to rectify the unjust treatment I have endured. I am confident that with your intervention, this issue can be resolved in a fair and just manner, relieving me of any unwarranted financial obligations and protecting my consumer rights. Thank you for your attention to this matter. I look forward to a prompt resolution and the restoration of my financial integrity. Sincerely, XXXX XXXX
10/22/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 784XX	Web
On XX/XX/2023, Stellantis Financial Services XXXX received a negotiable instrument in the form of a cashier 's check in the amount of {$80000.00} from XXXX XXXX, with the stated purpose of settling and discharging the associated account. Stellantis Financial Services credited the account with the aforementioned negotiable instrument, resulting in the closure of the account for a period of XXXX days. However, on the fourth day, XX/XX/2023, the account was inexplicably reopened, and the negotiable instrument was subsequently reversed, as per Stellantis Financial Services XXXX. This reversal indicated a failure to honor the negotiable instrument, effectively reinstating a fictitious loan amount, as per the provisions of UCC 3-604 ( Notice of Dishonor ) ( b ). Per UCC 3-604 ( Notice of Dishonor ), if a tender of payment is made for an obligation related to an instrument and is refused by the entity entitled to enforce the instrument, a discharge of the obligation, to the extent of the tendered amount, occurs for any indorser or accommodation party with a right of recourse pertaining to the said obligation. This discharge was anticipated due to the dishonor of the instrument. However, Stellantis Financial Services US failed to provide any notice of correction concerning the instrument, thereby violating my consumer rights through deceptive practices and unjust enrichment. In accordance with Title 15, Section 45 ( a ) ( 1 ) of the United States Code ( 15 USC 45 ( a ) ( 1 ) ), which empowers the CFPB to prevent unfair or deceptive acts or practices in or affecting commerce, I wish to draw attention to the company 's apparent violation of this provision. Stellantis Financial Services ' actions constitute an unfair and deceptive trade practice. I urge the CFPB to investigate this matter expeditiously and take the necessary measures to address these violations. Furthermore, I have previously requested the company 's XXXX XXXX XXXX, which they failed to provide. This failure to comply with the request raises concerns of potential insurance fraud on the part of Stellantis Financial Services US. I eagerly anticipate a prompt response from the CFPB and sincerely appreciate your attention to making this claim a priority. Thank you in advance for your consideration and assistance in this matter.
04/20/2023	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	KS 66048	Web
On XX/XX/XXXX I made a payment to 1st Investors Servicing Corporation to pay off my loan in the amount of XXXX. This was the total the website said I owed. My XX/XX/XXXX bill said {$860.00}. So apparently I have an overpayment of {$400.00} that is due to be refunded to me. My bill, the website and customer service balance are all difference amounts. In trying to get the account straight with customer service I was passed around, then their customer service was down, then I called back. This all took place on XX/XX/XXXX. All the while they kept wanting to send my call to " titles '' since my car is now paid off. I spoke with " titles '' and they verified they have absolutely nothing to do with the issuance of my {$400.00} overpayment and they can not request the funds to be released as it is not their department, they handle titles only. Makes sense. I spoke with five different people and no one could tell me when I would be getting my overpayment. One person said it would be at least 20 days before released. Unacceptable. Not delivered in 20 days. They were just going to hold on to it. When I said it was unacceptable and what was the reason, they could not give me one. It's " titles ''. Again, titles said they had nothing to do with the release of payment but customer service kept blaming them. The " best '' they could do was to put in a request to have my payment refunded but it probably would not be. Because of titles,,, The title should have nothing to do with my refund. A title should be issued when the account is at XXXX. Mine is at XXXX. I was told no one could issue my refund. Nobody knew what they were doing or what department handled the refund. Literally, I do not know. Even the supervisors. Again they kept blaming " titles '' which " titles '' again, said they have NOTHING to do with billing. I finally had to start refusing to be sent to titles. Listen to the calls. They say they record everything. It is unfair and unethical that 1st Investors Servicing Company is holding over {$400.00} and will not refund the money, nor give me an acceptable answer when it will be or why they are holding it. The title release doesn't make sense. It's a negative balance! A title should be issued at {$0.00} so why won't they refund me?
05/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CO 80233	Web
Due to extenuating circumstances I went on a payment plan with them in the beginning of this year. I told the rep that my hours were furloughed and I needed some help. So I was to pay one month of payment in two installments as I did not qualify for deferment and they never even mentioned anything about COVID deferment at that time. I did not think much of it. I paid half {$320.00} when I called and then I paid the other half along with the monthly payment {$970.00} on XX/XX/XXXX before their due date of XX/XX/XXXX. Since it was a Saturday I even emailed their customer service on XX/XX/XXXX stating to update their records and not report the account late. But what do you know they reported this account late not only for XXXX but also for XXXX as well. I disputed with the CRAs to no avail. So I sent First Investors a goodwill letter to not report it as late. They declined to update my report even when it was their oversight and so I think it is gross misrepresentation of the reporting they have furnished. And of course they don't err on the side of customer service like all the other companies yet are intent on destroying people 's credits and credibility. Most of the complaints online where they have mistakenly reported and ruined people 's credits their response is if we do a goodwill adjustment to you we have to do it to all. That is just ludicrous. So they would rather destroy everyone 's credit not just yours. Dismal customer service. If anything else could be said for this company, it is that their customer service, for all their bluster, is atrocious. I realize that it is next to impossible to place the blame squarely on the customer service representative, since their managers and supervisors are ultimately responsible for the way their staff interact with customers. Apologies does not solve problems, results and actions do. As a matter of course, I occasionally become frustrated with the service and simply depart but in this case you can't do that because you have a mortgage with them. I even emailed goodwill letters to their executives about my issues and never even received an acknowledgment that they have received my messages. That is why I said their service is left much to be desired as it falters from top down.
12/06/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	GA 30189	Web
Good day sir/maam. Please pay close attention to dates, time stamp because I will be attaching some documents. XX/XX/XXXX I bought XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX. Few weeks later the car stopped me on a XXXX and I towed it back to the dealership. They did the first repair at XXXX XXXX XXXX, on XX/XX/XXXX I pick up the car, on my way home on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following day, the car was towed back to the dealership. XX/XX/XXXX I kindly requested for a change of car or they can keep there car. XXXX XXXX XXXX XXXXXXXX employer advised me to do a voluntary repossession. later that, day I spoke to the XXXX XXXX on the phone, to please exchange the car or keep it, he told me to come back to the office. I went back to their office the following day and he got a {$16000.00} car, {$3000.00} down payment, almost $ 700 monthly payment for a XXXX XXXX plus mileage car. I respectfully declined. He said if I dont want that, another option would be for him to fix the car ( XXXX XXXX ) It took 1 months plus to get the car fixed and I was still making the car payments. Let me add this, I called, texted, wrote mails to stellantis financial services, to informed them about the situation. XX/XX/XXXX I pick up the car. The XXXX assured me everything was great and running smoothly. XX/XX/XXXX XXXX the car stopped me for the XXXX time on XXXX XXXX. XXXXXXXX XXXX I towed the car back to the dealership. XXXX what I have been going through all these months, Dealing with a company that sold junk car to me and theyre fully aware. I pay XXXX to this place when the invite me to the office, pretending to help but never did. I payed for tow out of pocket. The cancel the warranty I had on the car. They just want me to react or be rude to them so they can call me XXXX XXXX XXXX etc. But I still maintain the peace. Please CFPB help me! Let me also add that I bought ( XXXX ) cars from this establishment. XXXX, XXXXXXXX XXXX and didnt complain about the cars because theyre okay, just some cosmetic repairs here and there. The XXXX has been the problem from the beginning.
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	NV 89135	Web
On XXXX, I applied with my personal bank for auto financing. When approved, I contacted the dealership that I wished to purchase from and affirmed with them that they had received the financing package from my bank, and that I could come down and purchase a car. Once I chose the vehicle, an unknown financing agent in the auto dealership, continued without my authorization, to pull various credit reports, with unknown and unapplied to lenders. At the dealership, I informed the finance manager, that the inquiries were unauthorized and should be removed from my credit report immediately. Furthermore, I have a FULL FRAUD ALERT/CREDIT FREEZE on my credit files at all XXXX credit reporting agencies, and it requires them to contact me to verify if a credit application has been sent to them. None of the companies that were not authorized to receive my credit, followed the proper procedure, and this is a violation of my rights under the FCRA, when a credit freeze is applied. Furthermore the companies in violation, have made no attempt to correctly follow the verification process for my credit file. On XX/XX/2023 at XXXX, XXXX, I contacted the credit reporting agency responsible for allowing my credit report to be given to unauthorized parties, but again, this CRA XXXX XXXX, stonewalled with an automated system for XXXX minutes, then hung up the call when I reached the consumer affairs department to speak with XXXX XXXX and then XXXX XXXX who hung up the call ). This type of behavior, is again a violation of my rights under the FCRA, and if continued, I will engage, once more, in aggressive litigation against all parties who were involved in this egregious violation of my personal credit information, which also caused a loss in credit score, which is a damage/recoverable offense, in litigation, on my behalf. If these companies do not comply with immediately removing their inquiries from my credit report, and refrain from any future unauthorized credit access to my information, I stress again, that I will file aggressive and financially punitive litigation against the offending parties.
04/05/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	AL 35806	Web
On XX/XX/XXXX, I filed a XXXX XXXX Bankruptcy. Due to problems with my vehicle, I was granted permission by the court in XX/XX/XXXX to purchase a new vehicle within the bankruptcy. I completed the purchase in XX/XX/XXXX, which was a XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX, OH. Due to XXXX XXXX, my bankruptcy was XXXX to a XXXX XXXX and closed in XX/XX/XXXX. Due to the conversion, my XXXX XXXX increased significantly and I was able to purchase a new XXXX XXXX XXXX from the same dealership on XX/XX/XXXX under direct XXXX XXXX. The XXXX XXXX accord which was financed by First Investors Financial Investors, was traded in for a complete and total payoff from the dealership as part of the new XXXX sale. During the XXXX XXXX conversion, I " re-affirmed '' the XXXX Vehicle Loan, that I would continue to pay which I did, up until the trade in. After review of my credit report, the status of the XXXX XXXX XXXX is being referenced with a date of last update being XX/XX/XXXX in a " re-affirmed '' status. This is incorrect and needs to be corrected. Although initially re-affirmed during the bankruptcy conversion, due to the trade in, this account was paid in full per the terms of the trade, and First Financial Investors has failed to update this account appropriately to reflect a " Paid in Full '' Status only versus any references to being " Re-affirmed '' as the official status. This account was not paid out through the bankruptcy, and the continued reporting of " Re-affirmed '' is incorrect and malicious. A check was supplied to First Investors Financial Investors on XX/XX/XXXX from the dealership to pay the loan off in full, which they accepted, which acknowledges they accepted the full and complete payoff through check form, closing the loan out, which has nothing to do with the bankruptcy. It is unacceptable that you accepted a check, cashed it, and intentionally chose to falsely report the status of this account ascribing it to the bankruptcy, when you received a complete and full payout from the dealership. That is fraudulent and intentional.
10/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27587	Web	Servicemember
I first contacted First Investors on XX/XX/22 and provided the following message : We are contacting you regarding the above mentioned loan and an error that occurred with our XXXX loan payment. The payment was returned in error by our bank, XXXX, and therefore caused our payment to be reported as 30 days late to the credit reporting agencies. We've obtained an official letter from our bank acknowledging this error. Please see the attached. We are requesting that based upon this acknowledgement, that you retract the notification to the credit reporting agencies that our payment was 30 days late. I received the following message back from First Investors on XX/XX/22 : Subject : XXXX : Regarding Loan XXXX Dear XXXX and XXXX XXXX : Thank you for contacting us about your account. At First Investors, it is our objective to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) when we furnish information about a consumer to a consumer reporting agency. Therefore, our commitment is to research all actual disputes submitted to us to ensure that we are reporting accurate information to the consumer reporting agencies. After receiving your dispute, we have reviewed your account information to verify the accuracy of the information on your credit file. As a result of our investigation, we submitted an update to the consumer reporting agencies to which we report to update your account as current with no delinquencies. Please allow up to 3 business days to view the updated information on your credit file. Please see attached response letter for your records. If you have any questions regarding this issue, please contact us at XXXX. Thank you, Credit Bureau Update XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Celebrating 33 Years in Business My credit report was updated after the letter was provided, however, the credit companies went back to reporting the late XXXX payment. I've submitted disputes, but First Investigators continues to inform the credit companies that the XXXX payment was late.
07/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75056	Web
I received a copy of my credit report and I am writing to dispute the following Information that appears on my credit profile after carefully reviewing the information on my report The following inquiries are unauthorized and I ask that u delete them from my report : Inquire from XXXX XXXXXXXX XXXXXXXX on XX/XX/XXXX I am a victim of identity theft and fraud and I never authorized this inquiry Inquire from XXXX XXXX XXXXXXXX On XX/XX/XXXX I am a victim of identity theft and fraud and didnt not authorize this inquiry Inquiry from XXXX XXXXXXXX XXXXXXXX on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize this inquiry Inquiry from XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize this inquiry Inquiry from XXXX XXXX on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from First Investors Fin on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXXXXXX on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXXXXXX on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXX XXXX on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from First investors Serv on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry
04/18/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	MS 391XX	Web
We brought a XXXX XXXX XXXX on XX/XX/XXXX we had the truck 3 days and started having engine problems and it Started derating and only going XXXX miles a hour. So we shut the truck down for 3 days cause they were closed until we could bring it back to them. They keep it Two days and told us they needed the truck to show a code so they would know what to fix. This Model of XXXX XXXX stores all the codes for the life of the vehicle in it everytime it has one, so the codes are always present. The Mechanic. XXXX XXXX XXXX XXXX Told us he don't see any codes in it and need it to show him what codes to fix. So we came back and took it to a Master mechanic in Florida and retrieved the codes for the life of the vehicle because it keeps every code everytime the check engine light comes on so we took pictures of the codes and took it back to the dealership it's 45 days later they still have the truck it's not fixed but the want us to take it we paid for and extended warranty to make sure we would have no issues with repair and being told by the mechanic XXXX XXXX XXXX XXXX XXXX that he would only fix one thing instead of honoring the extended warranty and fixing the truck they was pose to order the pieces and they where pose to be in by XX/XX/XXXX we where told yesterday XX/XX/XXXX that the wrong pieces where ordered and the truck was still not fixed but service tried to give it to use telling us it was fixed we refused to take it we are now being told it has to wait for the right part again and the be sent to XXXX to be fixed again over there leaving us with out a truck but still needing payment we are asking to trade in the non working truck for one that works. Or Cancel this Contract altogether. The vehicle has All the issue of A lemon and fall under the lemon law for Mississippi. It has. Multiple issues. We really need your assistance.
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 XXXX 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 XXXX 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 XXXX responded over a XXXX 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!
07/27/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	TN 37040	Web	Servicemember
I bought a XXXX XXXX XXXX and it was financed for 60 months is what I thought in the beginning but I am being told XXXX payments. I have had this vehicle since XX/XX/XXXX and I traded in another vehicle as a down payment for this one. Well my loan was suppose to be paid off back in XX/XX/XXXX of this year but XXXX Investors extended my loan saying due to I had XXXX payments deferred which totaled XXXX and that they would be put on the back of my loan to extend it to get those XXXX payments. After that deferment I have made every payment after that. As of this email I am due for my XXXX. First investors never explained to me the interest on the deferred payments and I asked what would happen to those payments and they said they would be put to the end of my loan so now they are saying I owe XXXX and I asked them if they would be willing to take the amount of the deferred payment and they said no they would need XXXX and would put my account as paid for less than owed or something like this. Then I get a email stating I only made XXXX payment, how is that when I only deferred XXXX payments. I believe this company is doing something fraudulent because theres no way I only made XXXX payments since I had this truck. Its going on XXXX years where as if my contract was suppose to be paid in full in XXXX of XXXX. Have you ever heard of someone paying on a vehicle for XXXX years?? Please investigate them and their practices because its not adding up for me. I admit I have had a few hiccups but since my deferred payments when they were late I would get caught up and pay extra on my account. So something isnt adding up
09/12/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60423	Web
I have been receiving harassing calls and visual voicemails from XXXX XXXX at First Investors XXXX for a XXXX XXXX who is apparently using my number to obtain fraudulent debts and attempting to evade said debts. However, I do not know this person, as this is a new number I received from XXXX a year ago when trying to resolve similar issues with XXXX wherein I received harassing messages from creditors and even suppliers from a methadone clinic for a former XXXXXXXX subscriber. I have reported to XXXX on several occasions the issues with the harassment from creditors on their recycled lines. XXXX has attempted to resolve the issue by alleging that the Scam Caller ID option available through their service would prevent this, but it does not prevent the harassment. Instead, this service only sends the harassing calls in violation of TCPA and FDCPA to my voicemail, so I continue to receive the harassing visual voicemails. I receive at least one per day, and this has been going on since XXXX of this year. It is now XXXX, so the calls are incessant and will not stop. I tried to call the number back, but I can not reach a live human being to request a cease and desist. The robo-dialed service instead then verifies as if I am the debtor calling and continue to ensue with more harassment. XXXX has failed to protect me. The National Do Not Call List has failed to protect me. I have filed a complaint already with the FCC. My next step is to file a complaint with the Illinois Attorney General against XXXX for failure to block this harassment.
12/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 362XX	Web	Servicemember
This company has failed to acknowledge my account being paid in full as of XX/XX/XXXX. There was a garnishment for the total amount of {$16000.00}, issued for the loan in XX/XX/XXXX with payments starting on XX/XX/XXXX to my employer group. On XX/XX/XXXX, the final payment of {$200.00} was made to satisfy the stated amount provided to my employer group and on court docs. I received a release letter from my employer, who sent to XXXX XXXX on XX/XX/XXXX. My XXXX credit report shows I owe the amount of {$1000.00} with a high balance of {$16000.00}. This balance owed is incorrect. The report also shows a term of 74 months versus the original contract of 72 months. The term info is incorrect. Additionally, it states my last payment was XX/XX/XXXX, which is inaccurate as well. My last payment was XX/XX/XXXX for the loan amount. I called in XX/XX/XXXX to XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX at XXXX and was transferred to XXXX XXXX, XXXX for the law office representing First Investors in reference to the balance owed. XXXX advised me my loan balance was paid in full and emailed me on XXXX confirming the principal balance was satisfied in XX/XX/XXXX. He also sent me a pdf file showing what my total balance owed was from the legal docs. The balance of {$1000.00} is not the correct amount for the loan in which is being reported. The docs show a breakdown of the principal {$13000.00}, {$1000.00} interest, {$1400.00} attorney fees, {$310.00} fees and {$160.00} in late fees, totalling in {$16000.00}. This loan has been paid off full plus some.
11/28/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	FL 322XX	Web
To whom it may concern I made an uniformed use of credit when I entered into a consumer credit transaction with XXXX on XX/XX/2021. The contract/agreement was not easily understood or explained. The information in the contract was not clear or conspicuous. I rendered the vehicle due to the annual APR being 21.99 % and it being charged off. The debt was originally paid for by my social security number ( credit card ) Then when the loan defaulted it was paid for by insurance and the premium. With the account being charged off I have written numerous letters asking for the company to send proof of the loss. I also asked for who the debt was sold/assigned to. This company has a history of theft and misuse of consumers credit profiles. They have violated my consumer rights by furnishing my personal information to third parties. According to 15USC1692d. This collection agency/lender whoever they choose to call themselves have used obscene and profane language also threatened to furnish this debt to ANY and ALL CRAs without my permission which is a breach of my privacy and an infringement upon my rights to privacy. They have caused irreparable harm to reputation by furnishing my private consumer credit transactions with third parties. The vehicle has been turned over. I have asked numerous times for this company to return all payments made and remove the information from my credit report. This company practices including loan sharking, predatory lending, usury and bullying.
12/13/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TX 77086	Web
I have been trying to get my account back on track. My job sends me traveling and me and my crew became ill of covid and the project was shut down for 2 weeks we are unvaccinated. I was working with XXXX XXXX and explained my situation to her she said unfortunately there are no programs that can help me. She see i was making payments and keeping my payment arrangements but unfortunately the way my account is set up i can never get caught up. If i pay on the XXXX i get a new payment due the XXXX causing more late payments and keeping me behind. Now its to the point XXXX say oh well its nothing she can do since its no programs available and i just need to pay XXXX to stop the repossession and i can no longer make payment arrangements unless its the full amount. It's no way i can come up with XXXX and its XXXX plus I'm a single parent of XXXX paying a XXXX rent. The cost of living is going up but my check s are not and for them to a they cant help is stressful. I been paying them XXXX for XXXX yrs now that is almost XXXX and I still have XXXX left to pay. I keep the arrangements like she ask plus I was making payments to me that should show progress before I got behind I had my payments in on time unfortunately I didn't plan on my crew getting XXXX. This is a very stressful situation to be i I need my car to take the kids to school and go to work for them to say my payments are not helping and if i pay the my car can still get repo that's insane.
08/22/2023	Yes	Vehicle loan or lease Lease	Getting a loan or lease Changes in terms mid-deal or after closing	OH 432XX	Web
While I have attempted a number of times, I have yet to receive all outstanding responses to my questions, from the finance company 's perspective - Stallantis Financial Services ( SFS ), pertaining to my most recent lease. I was told by the dealership that they didn't want to state accurate/actual mileage on the lease contract, since it was over XXXX miles because it 'throws up red flags '. I would like to better understand this, from SFS perspective - what process and procedures are there for new lease vehicles with over XXXX miles. Would SFS ever tell a dealership this? Why would the dealer potentially have this understanding? I would like to understand SFSs view on this statement the dealer made, on behalf of the finance company/SFS. Related, regarding the contract, the dealer/Finance Manager did not indicate any over-mileage stipulations ( i.e., overage charges ) as part of my contract at signing and when I took possession of the vehicle. The dealer, a week later, came back and stated that the finance company/SFS communicated that I 'do not have a contract '. I would like an explanation, from SFS, whether or not this is what was communicated back to the dealership to communicate back to me, as that is what I was told. I would like an explanation of what was actually communicated. XXXX XXXX from SFS shared I would receive this explanation in-writing, but I haven't received to-date. Now XXXX XXXX has been unresponsive to email.
12/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 777XX	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. I have informed XXXX, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX Account Number XXXX This account is reporting inaccurately. This account is showing the wrong date of last payment across all three bureaus. Please see the attached report with the inaccuracies circled. According to 15 USC 1681i ( 5 ), accounts that are reporting incorrectly are to be removed from a credit report. This account needs to be REMOVED as it is inaccurately reporting on my credit report. However, they have not responded to the attempts I have given to have this reviewed for inaccuracies. This should not be possible as there are many inaccuracies such as incorrect open dates, incorrect account statuses, and even fraudulent accounts listed on my report. According to 15 USC 1681i ( 5 ), as stated above, the credit bureaus are supposed to verify this information is correct and remove inaccuracies. They have failed to do so. So as stated in 15 USC 1681s-2 ( 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. I am requesting a review and to have the accounts listed above DELETED from my credit reports.
11/03/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	MD 20879	Web
I have never owned a XXXX XXXX XXXX. I have pulled my XXXX records and there has never been a car registered under XXXX XXXX XXXX for that Vehicle. I have never had XXXX XXXX XXXX. That is not my signature on those forms. I don't see a copy of how you all verified my Identity. ( Driver 's license, Social Security Card )? All I see is personal information that someone stole. I noticed multiple addresses used. No consistency in which address. Who is XXXX XXXX XXXX? Where is the ID for this file? Where does the documentation truly verify that is me? Employment verification was only a pay stub that could have been old or found by this person and you guys googled the employer instead of truly doing a VOE? Maybe, if these protocols were done at the time of this loan we could have been not having this conversation. You could have helped and stopped me from having this frustration. Someone stole my information, yet the validity of the documentation was not done. They state this is valid, however, how is this valid? This is not me. Not my account. I do not see how XXXX XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX XXXX has anything to do with me. Where is the true verification of Identity? Where is the Employment Verification? Where is the proof you protected me as a consumer?? I asked you to please remove this account from my records. It does not belong to me.
07/09/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 91913	Web
On XX/XX/XXXX, First Investors Servicing added {$220.00} to my balance under XXXX ( non-sufficient funds fee ). The reason for this amount was due to a XXXX DMV registration fee that was included when I refinanced this car. The fee was not due to XXXX. I continued making my monthly payment of {$280.00} and would pay extra every month to pay off the {$220.00} balance. On XX/XX/XXXX, the balance of {$220.00} was completely paid off. I continued making my monthly payment of {$280.00} and I continued to may extra payments every month ( now ) towards the principal balance. I called customer service several times to inform them that I would continue making additional payments ( in addition to my regularly monthly payment of {$280.00} ) and I wanted those additional payments to be paid towards the principal balance. First Investors Servicing has not applied those additional payments towards principal rather simply applied it towards my monthly auto payment. As a result, I'm XXXX months " ahead '' of my regularly monthly payment. Example : Statement for XX/XX/XXXX l payment due date is : XX/XX/XXXX I simply requesting for First Investors to apply any additional payment ( after monthly regular monthly payment ) towards my principal. The company has told me that their system doesn't apply additional payments towards the principal balance.
11/15/2023	Yes	Vehicle loan or lease Loan	Repossession Lender trying to repossess or disable the vehicle	TX 75216	Web	Servicemember
I was not informed that my vehicle was being reposted until a tow truck showed up to my house without prior knowledge. When asked about why he was there I was told he was doing his job. Twice prior a car drove by as if it was recording me or my neighbor 's houses. After the tow truck which was months later another car drove by recording and taking pictures of our houses. On XX/XX/2023 acar came pulled up in front our houses and set. As a XXXX XXXX, XXXX XXXX of XXXX and a XXXX XXXX survivor, I became weary and anxious so I called the police. The police informed me they were repo people and made them leave from sitting on the corner for an hour. Today XXXX XXXX a weird truck sat out side my house for over an hour. When I asked if I could help him, I was again told I'm just doing my job that he was a utility worker. But it looked as if it was the same driver of the tow truck. I get XXXX to XXXX calls a day whether I talk to them or not and now I'm being stalked outside my house. I'm scared to leave because I don't know who the individuals are. Only thing I've been told is I'm doing my job. This should be considered predatory and dangerous practices. I really hope you can help me rectify this situation.
09/25/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NV 89014	Web
I got a car loan with Stellantis Financial for a XXXX XXXX XXXX. My first payment date was XX/XX/XXXX, I went on their online portal to make a payment. My debit card was not going through so I decided to use my checking account. 2 days later, {$720.00} came out of my bank account and then another 12 days later, another {$720.00} came out of my account. I called Stellantis and they repeatedly stated that the payments were returned and did not come to them. I then called my bank as I saw both payments on my statement and they confirmed that both payments went through and provided me the e-check numbers. I then called back Stellantis, provided them the information and was told a manager would reach out to me. No call back. I am then called again stating my account is past due. I emailed over my bank statements that SHOW the payments were made and nothing was returned. I was then told I would receive a call back from a manager. No call as of XX/XX/XXXX and on my online portal, it shows my car was forwarded for repossession. When looking at XXXX and XXXX reviews, I am not the only person that this has happened to. as of last month, this has happened to 3 people, via reviews. I am not sure what to do.
01/20/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30013	Web
According to the Fair Credit Reporting Act 15 USC 1681 section 602, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX, 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 obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers non public personal information. The financial institution and the consumer reporting agencies XXXX, 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 and XXXX whether it be verbal, non verbal, written, implied or otherwise is revoked. XXXX, 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.
11/03/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	MD 210XX	Web
In XXXX, I drove my XXXX XXXX XXXX XXXX vehicle to the XXXX XXXX dealer in XXXX MD because they said they can help me trade in my vehicle for a new XXXX car of the same model. I was just getting over XXXX and needed most of the work to be done before I got there. As far as I was concerned, it was a trade and the lender was First Investors. Later, after driving my new car, I saw XXXX showing on my credit report. I spoke to someone today who is telling me my XXXX car was auctioned off by the dealer and did not get rolled in to the loan as a trade. I am not sure what shady dealings went on but something obviously is not kosher. I never had a reposession and I am quite sure I would know if my car was impounded. The dealer and First Investors did something shady but now I am told XXXX XXXX has the debt of XXXX and it is showing on my credit report. I demand someone explain what they did but they need to STOP showing it as a reposession because it was not. I drove it there! XXXX XXXX in XXXX, MD and First Investors did this shady deal and they need to be held accountable for doing this to innocent people.
08/13/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	PA 19114	Web
I sincerely request your compliance with the Fair Credit Reporting Act ( FCRA ), a pivotal legal framework established to safeguard the rights of American consumers in relation to credit bureaus. In light of this regulatory context, I kindly implore XXXX to undertake the necessary measures to exclude the ensuing account particulars from my credit report : Account Details : Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Type : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX City : XXXX State : TX ZIP Code : XXXX Phone : ( XXXX ) XXXX Scheduled Duration : Until XX/XX/XXXX It is crucial to emphasize that the inquiry mentioned above was not initiated by me. In accordance with the FCRA, which places significant importance on the accurate representation of individuals ' credit histories, I urge your prompt attention and resolution of this matter. I extend my gratitude for your unwavering commitment to upholding the fundamental principles of consumer rights within the sphere of credit reporting. Your swift action in rectifying this discrepancy is greatly anticipated and appreciated.
02/23/2022	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Lender trying to repossess or disable the vehicle	LA 71105	Web
In XX/XX/XXXX I was asked to be put on the fresh start program due to laid off due to work decline from COVID affecting the company I work. After being placed on the program I was informed by first investor financial that I wouldnt have a payment due until XX/XX/XXXX. I made payment arrangements to pay XXXX at the end of XXXX. I received a email from first financial on XX/XX/XXXX to contact them because my car may be up for repro referral. My car was repossessed at the same time I received this email not giving me time to resolved the issue at hand. The car was repossessed on XX/XX/XXXX. I was also told that my car was scheduled to be repossessed since XXXX XXXX. First investor financial took and processed a payment for me on XX/XX/XXXX and then told me on XX/XX/XXXX that they cant take payments from me since my car was repossessed after already taking a payment from me on XX/XX/XXXX. I was informed by a first investor financial collection at the end of XX/XX/XXXX that I was in fact in the fresh start program and didnt have a payment due until XXXX and another in XXXX.
07/02/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	FL 326XX	Web	Older American
14 months ago I took out a auto loan with a company called first investors financial services this was considered a refinance loan and the payments were just under {$250.00} a month for 72 months and now after 14 months of successful payments I get a letter in the mail from the first investors financial services telling me that my current deductibles on my progressive car insurance needed to be brought down from {$2000.00} deductible to {$1000.00} and of course when I changed my policy in order to be in compliance with the finance company this drove my previous car insurance payment of XXXX change to now {$180.00} to start followed by payments of {$150.00} a month now as a consumer I am a senior citizen I am XXXX and I am drawing social security and therefore I live month to month on a fixed income if first investors can not provide me with some type of amendment that is legal in court stating that they have the right to demand that I change my deductible on my car insurance then this will be considered fraud on their part as well as breach of contract
08/24/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	OR 971XX	Web	Servicemember
I purchased a XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX in XXXX, Ohio and was financed through First Investors. After struggling to pay the loan, and XXXX repossessions, the vehicle was eventually totaled and not reimbursable by XXXX leaving a balance of over {$17000.00}. The account was turned over to an attorney 's office who took me to court and we agreed to a reduced payment plan. I recently learned about XXXX protections and my husband is currently XXXX XXXX with the XXXX XXXX ( enlisted in XXXX ) and is also an XXXX XXXX. I sent a written request for XXXX benefits along with my husbands orders to First Investors, who denied the request stating that Ohio is not an exception state for the XXXX for spouses on XXXX XXXX and are not co-borrowers. I contacted them back since Ohio is a KP state and that per Ohio revised code 1343.031, XXXX benefits are required to be extended to spouses. Their compliance department reviewed my account and Ohio statutes and said my loan does not qualify and to refer to my original denial letter.
11/21/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	FL 33764	Web
I am severely distressed due to my rights being violated by this company. I woke up the morning XX/XX/XXXX to find my vehicle, a XXXX XXXX XXXX, was stolen from a private gated property by an unauthorized third party, which is a violation of 15 usc 1692f ( 6 ), which the third party company involved, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, did not have a court order to seize said property. XXXX XXXX is also in violation of 15 USC 6803 ( a ) ( 1 ), because they did not receive any written authorization from ME to disclose my personal information to a third party. Further in accordance with 15 USC 1692e ( 2 ) ( 4 ) This company is liable for the unlawful seizure of my property, as the vehicle was parked in a private gated area in the middle of the night, so the towing company had no legal means of entering the property, thus resulting in XXXX XXXX XXXX XXXX XXXX XXXX As a consumer, I know my rights afforded to me by federal law, and I am requesting immediate compensation to my distresses or I will be forced to seek litigation.
06/23/2023	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	WI 53225	Web
I received a credit alert that my credit was pulled. I noticed credit inquiries that I did not authorize, made by the following companies : XXXX. XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XX/XX/2023 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. I have contacted the following companies and they referred me to the credit bureau for this issue. They would not remove the hard inquires. I have stated that I did not apply or give them authorization to pull my credit. Please validate this information with these companies and provide me with copies of 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 inquires be immediately deleted from the credit file that you maintain under my Social Security number.
12/07/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 30066	Web
First Investors Servicing is the company I pay my monthly vehicle loan payments to. I send in payments on a weekly basis. I also send an additional amount which I want applied directly to principal. Based on the response from FISF, they do not accept principal only payments. I've asked them to send signed documentation stating this, but they have failed to do so. They have also failed to apply my additional payments to the principal. They are applying the additional payments to the interest. I would not send additional payments to have them applied to the interest because that does not benefit me. I keep explaining this and they keep saying they can't accept principal only payments. This is a simple interest loan and as far as I know I can pay extra which gets applied to the principal in order to HELP ME pay off the loan quicker. If my additional monies are being applied to interest, then I am only paying according the regular schedule which will not benefit me in any way possible.
08/11/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	IN 46260	Web
Original service terms were voided due to falsely writing into loan misrepresentation of things bought, and fees paid for at signing on XX/XX/2022! Then I was given a APR yearly quote over a course of 6 years vs an APR over the complete duration of the loan for a used vehicle. The bill of sale was falsified and created onXX/XX/2022Instead of XX/XX/2022 An no signature is recorded on this document, see document for details! Excessive fees in the amount of more than {$11000.00} were assessed! That were cancelled the day the loan was created per the representative at XXXX on XXXX regarding my extended warranty and gap coverage. As I tried to trade the vehicle in when all this information was exposed! The company was paid more than {$30000.00} for a vehicle that was valued at only {$16000.00} from XXXX XXXX XXXX who didnt even verify the information sent by the dealership before payment and assessment of fees
11/01/2022	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	TX 75234	Web
I am not knowledgeable of any of these inquires and never authorized these companies to pull my credit. On XX/XX/2022 I called XXXX and XXXX in on XX/XX/2022 XXXX directly in received no help. Each company suggested I dispute directly with the companies, or file a complaint with FTC, and or file a police report. I have reached out to these companies by phone and neither one could provide me any information on where the information came from. Please see below inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Stellantis Financial XX/XX/2022 Inquiry from XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX 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/2022
12/16/2023	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	LA 71111	Web
I recently purchased a house a few years ago and unfortunately I came across some damages that really needs some attention. I wanted to refinance my house to see about using some of my equity. I had to review my credit report in order to do this because my lender said it would be best if my scores were better than when I initially purchased. Upon checking my report I noticed some inquiries that I did not recognize. I have no knowledge of several Hard Inquiry on my credit report. According to 15 U.S.C. 1681 law states they have to be removed immediately, it is defamation of my character. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
08/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 94601	Web
Account name and account # XXXX Has violating my rights The review of 15 U.S.C 1681 section 602 A. Stated. I have the right to privacy. Also section 15 U.S.C 1681 section 604 A. Section also states A consumer reporting agency can not furnish a accord without the written instructions. Also 15 U.S.C 1681 section 15, stated 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. By the provision of the Fair credit reporting act. I demand that these items be investigated And removed from my repot immediately With that being said the above company is in violation of my rights in therefore should be deleted from my credit report immediately.
12/29/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	TX 765XX	Web	Servicemember
I am having a issue with my vehicle loan servicer First Investors Servicing Corp. I had a 72 month loan which was paid in XX/XX/2023. During this loan period I skipped XXXX payments and had them put to the back of the loan. When my loan was due to be paid in XXXX. There was still a balance due the maturity date changed, I then saw I was scheduled to pay XXXX payments and not the original XXXX. I have as of today paid XXXX payments which is a extra over the XXXX. Theres no way by putting XXXX payments to the back of my loan I magically owe XXXX payments. That would mean for every payment I put to the back I now owed XXXX payments. This would be abusive financial conduct and predatory lending practices. I have contacted the company and asked to speak to their legal department to rectify this I havent heard anything in about 3 weeks. I would like this resolved fairly.
03/09/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	GA 30601	Web
I had a vehicle financed through First Investors. I was in a car accident in XX/XX/2021 in which the vehicle was totaled out. In XX/XX/2021, I was told by First Investors that the gap insurance claim was denied and that I would still have to cover the remaining balance ( approximately {$1400.00} ) on the account. They also informed me that since the gap claim was denied, they would apply a refund check in the amount of about {$370.00} and that it would take 6-8weeks for them to receive said check. I later found out from the company that provides the gap insurance that First Investor NEVER filed a gap claim as they had stated to me. Because of their dishonesty and giving me misleading information, Ive now missed the opportunity to possibly have the remaining balance paid off by the gap insurance, which I was entitled to if the claim had of been filed and approved.
10/06/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	OH 44310	Web
To whom it may concern, My auto lender, First investors, illegally repossessed my vehicle. I understand stand my rights as an consumer and what is a consumer transaction. Under US Code 15 section 1602 paragraph I. It states that, any card or coupon book can be a form of credit. That means that the vehicle was paid off through my social security card. And also in section US Code 15 section 1611. Talks about companies willing and knowingly to defraud consumer. So with just these to rights alone, should have prevented First investors from illegally removing my vehicle from my possession. But to further prove that the vehicle had been paid in full and kept into my possession. I had cap insurance on the vehicle. Which by law pays the remaining balance of the vehicle. If I couldnt continue to make payments or if the vehicle was deemed, totaled out.
08/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20874	Web
I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, First Investors has violated my rights. Regarding alleged account # 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. 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 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove in 4 days.
06/21/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	NV 89147	Web
On XXXX XXXX my XXXX XXXX XXXX was repossessed for late payments according to Stellantis Financial. However my vehicle was taken from a closed locked gated complex. The repossessor committed a breach of peace which is illegal. I live in a private area where there is a gate code needed, the office was closed so I am very concerned as to how they were able to either break through the gate or trespass through the property. On private property a repo agent can not open doors, gates, fences or any other barrier between themselves and my vehicle. I value my privacy highly and I insist my legal rights are respected and as guaranteed to me under state and federal laws. This notice is to formally notify you that my rights has been violated and I do plan to forward this to the attorney general if you do not wish to resolve this amicably.
02/23/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	MI 48235	Web
Notice Of Dispute XX/XX/2023, we did application for personal services at XXXX XXXX XXXXXXXX XXXX XXXX. After asked for our social security card I was under the impression that I was entering into a consumer credit transaction. Instead on XX/XX/2023, we received a letter of discrimination. Adverse action had been taken in which it is unlawful for any creditor to discriminate against Any applicant with respect to any credit transaction. Stellantis Financial Services , Inc also obtained information from my consumer report without my written or oral permission/ consent. Notice : your financial Institution is in violation of the Equal Credit Opportunity Act the Federal Agency that administers this Act will be notified of your unlawful Acts.
08/22/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60628	Web
On XX/XX/XXXX. XXXX I noticed as I was looking over my credit I noticed there was an auto loan that I was unaware about. Overtime I've received calls and emails from Stellantis financial services about this but I never really sat down and paid it any attention until now because it started to affect my credit. During this time I received paper mail from the company and emails about missed payments. Now that I'm looking more into it I believe there has been an identity fraud theft because I've been receiving notices about car tickets in my name under this cars information. I am taking the proper precautions to get this taken care of because this is an unfortunate circumstance and is affecting my credit and causing me debt.
07/08/2023	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 30043	Web
In accordance with the Fair Credit Reporting Act, FIRST INV SERVICING CO FIRST INVESTORS SERVICING CO7, 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. This account has been paid in full per an IRS representative, I spoke with the IRS and the representative stated that FIRST INVESTORS SERVICING INC has reported this account as a charge-off and that First INVESTORS was obligated to send me a 1099C form. I have called First Investors Servicing Co and have written them several times to no avail Has this company sent me this documentation?
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 First Investors Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern : I recently discovered that your company ran an unauthorized report on me on XX/XX/XXXX. I did not authorize such an inquiry and demand that you contact First Investors Financial Services immediately and have your inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report hence invaded my right to privacy and may subject to a fine. If you have any questions, please contact me at the address listed below. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
07/20/2023	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	GA 31404	Web
XX/XX/2023 XXXX XXXX XXXX XXXX I called the creditors and spoke with a representative and was told there is no information on file for me. All the creditors listed below also said they were going to send a request to the bureau 's for remove. They asked for my name and email but never heard anything from them. XXXX _________________ XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 STELLANTIS FINANCIAL SERVICES XX/XX/2023 CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2023 XXXX XXXX
06/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 704XX	Web	Servicemember
Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorizations I the consumer may have given you written, unwritten, verbal, and nonverbal, per 15 USC 1602 effective immediately. The privacy act of 1974 explains that it is illegal to report private information. Also I have sent motionable instruments XXXX XXXX, previous to this complaint, not only did they keep the instruments but they did not reflect the payments to my account. This company has also been contacting me regarding a debt. I have received letter in the mail to include the one attached explaining they were going to reposes the vehicle. This has been really trying for my mental health as well.
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	CA 94521	Web
I received letters regarding denial of credit applications which I don't recognize, on XX/XX/XXXX ( Stellantis ) and XX/XX/2023 ( XXXX XXXX ). These financial companies are recorded in my credit reports but the letters indicate that someone used my identity for a fraudulent credit application. On XXXX XXXX, the dealer, XXXX XXXX XXXX has confirmed that they submitted the applications to total 8 auto finance companies and these two finance companies ( Stellantis and XXXX ) are part of 8 companies. Any application submitted by or via the dealer, XXXX XXXX XXXX, is fraudulent, and I was never involved any of the transaction or associated communication. Therefore, I'm not liable.
02/16/2023	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	NE 68046	Web	Servicemember
I have an existing car loan through First Investors. Previously I had some late payments on my account, and when I called them to resolve they recommended I sign up for their Fresh Start program. The agent told me that after completing 4 on time payments my account would be brought current and all late payments would be removed from my credit file as a courtesy. This has not been done. I competed the fresh start program at the beginning of XX/XX/2023 and still show late payments on my credit report. I emailed first investors about this several times and have not had a resolution. They keep attached my agreement which mentions nothing about late payments. Please resolve this.
01/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	MD 21702	Web
On XX/XX/XXXX I made a full payment in the amount of {$610.00} with First Investors manager XXXX XXXX. The confirmation number is XXXX. First investors refused to report me to the three credit bureaus in the month of XX/XX/XXXX. Most importantly, my payment was made PRIOR TO MY DUE DATE! Needless to say, First Investors is maliciously sabotaging my credit due to their procrastination in reporting. My account should be reported EACH MONTH!! Im not allowed to skip payments. Therefore, First Investors should not be allowed to skip months reporting my payment to ALL THREE CREDIT BUREAUS! The gross misconduct and shenanigans is extremely unprofessional and damaging.
12/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 35405	Web
On XX/XX/XXXX, First investors received a check totaling {$16000.00} for my XXXX XXXX XXXX XXXX that was totaled. The Market Value of the vehicle was actually lower than the processed check amount. I Spoke with a representative who stated that a vehicle valuation was needed to consider the vehicle paid off. XXXX XXXX XXXX XXXX XXXX has tried to send over the report to XXXX XXXX XXXX as requested from first investors, but neither email seems to work. I am attaching the files requested to the complaint in hopes that first investors get this resolved immediately and updated on my credit report as paid in full as they stated they would via phone call.
10/14/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	MD 20879	Web
After being denied a job I found out that this account with the first investor was charged off and I have been in contact with them stating this is not my account and I have never owned a XXXX XXXX XXXX. This car has two names associated and I have no idea who, why, and where this car is. I have never seen this car. They provided me with more information on where it started and disputed that as well. This is fraudulent, someone took this loan out using my information and name. I have added a fraud alert on my credit, doing this step and doing a police report to clear my name on this. They are suing the wrong person.
06/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Problem canceling credit monitoring or identify theft protection service	NC 28078	Web
Reporting - XXXX XXXX Im XXXX XXXX, I have recently moved to XXXX XXXX XXXX, XXXX, NC, XXXX I am receiving mails related to a loan/credit application with several banks/companies applied by XXXX XXXX and XXXX XXXX on my address XXXX XXXX XXXX, XXXX, NC, XXXX. Previous house owner also didnt know a person named XXXX XXXX I am worried that this might be a financial fraud, can you please check at your end and tell me what actions need to be taken from my end. I prefer email communication as I can't remember each and every complaint Im making for this. Reference number XXXX Thanks, XXXX XXXX XXXX XXXX
03/30/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	OK 74017	Web	Older American
I was told by the company, Stellantis Financial Companies, after I had them finance the car after 8 months that they had a 10 day grace period and that would give me additional time after due date. what they did not tell me is that it would still be late for those 10 days and that they would charge a large enterest fee for those 10 days. If they had told me up front about this I would not have done buisness with them. I would not recomend them and when I get a chance I will get refinancing. I am filing this because I do not want other customers to go through this. Thank You.
04/09/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	NY 11413	Web
On XX/XX/2023, a repossession company came to my house to repossess a car. They broke my glass on my house door from banging and ringing the bell. They also broke my fence on the outside of my private property, destroyed my kids property as well. Then drag the car out backwards. I called the company to complain about the situation. They did nothing Im still without a car. They told me to get back to me never did. It is now XX/XX/XXXX have not heard back from them yet about paying for the things that was destroyed by the repossession company or how to retrieve my vehicle.
12/05/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with additional products or services purchased with the loan	MN 551XX	Web
We are paying for a XXXX maintenance plan as a part of our lease. When we signed our lease, we were told that maintenance had to be performed at the dealership where we purchased the vehicle in order for it to be covered by the plan. Now the dealership has stated that we are free to have our vehicle serviced anywhere we choose. We have received very little information and also conflicting information about the XXXX maintenance plan from the dealership. Our interactions with the dealership have become an increasingly negative experience. We are unsure where turn.
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	FL 32246	Web
In XX/XX/2022, I went into XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX Fl to try to finance a used vehicle. I know my credit score is not the best but I still tried to apply. I was told that my credit was going to be ran ( which I agreed to ), but I was not aware that my credit was going to be ran many times through 15 different banks. Now I have about 17 hard inquiries on my credit score but I did not authorize the dealership to run my credit that many times. I want these inquiries removed if possible because I wouldnt of agreed if I knew this would happen.
12/01/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	GA 30060	Web
I purchased this car in XX/XX/XXXX and at the time had no idea we were going to face a tremendous hardship around the country. Covid 19 hit and I had a late payment in XX/XX/XXXX due to reduction in hours and we had to go work from home and was at home with no work until they got us set up for work at home. This company is the worst to deal with and I have tried to ask for some type of care and concern due to this unexpected event in our country. They have horrible customer service and I have been trying to reach CEO to get assistance to no resolve.
09/19/2022	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	AZ 85225	Web	Servicemember
I CONTACTED XXXX, XXXX, AND XXXX - CREDITOR NAME IS FIRST INV SERVICING CORP, SENT ID THEFT REPORT, POLICE REPORT, PROOF OF IDENTITY AS YOU CAN SEE ATTACHED THIS WAS REMOVED/DELETED FROM MY XXXX AND OTHER REPORTS XX/XX/2022, NOW IN XX/XX/2022 THIS ITEM IS BACK ON MY CREDIT REPORT THIS IS FRAUD AND IDENTITY THEFT, PURSUANT TO SECTION 605B OF THE FIR CREDIT REPORTING ACT HOW CAN THIS HAPPEN IVE ALREADY SENT ALL DOCUMENTATION PROVING IM A VICTIM OF IDENTITY THEFT, HOW RE YOU REINVESTIGATING SOMETHING ALREADY BLOCKED AND REMOVED DUE TO IDENTITY THEFT?
08/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	KS 665XX	Web
First Inv Servicing has failed to report the deficiency balance on this voluntary surrender. The balance that is reporting is incorrect. they have also failed to report the original balance or high credit. The date of first delinquency has also not been told to me or verified, as I believe the date of last payment has been changed to affect the statute of limitation and reporting date. This company has also failed to report that this account is in dispute. I have attached a copy of the credit reporting to this complaint.
03/12/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	LA 70460	Web
I have a loan with First Investors Servicing Corporation and having an issue understanding their billing method. My payment is due on the XXXX of each month. If I do not pay on this day, they are calling constantly which is harassing since they know that there is a 10day grace period on my loan applies that I have 10days after to pay without a late fee applied. I need assistance with the company that the calls are not warrant due to the grace period. If the payment maybe late, I will be calling them myself.
11/03/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	VA 22601	Web
first investor servicing ( not the originating company ) with my signature guaranteeing payment, proof of chain of title to collect debt, the insurance claim filed on this debt, contract identity theft, improper use of reporting 15 USC Code 1681b, inaccurate information reported and amount due Mailed request to company to get this information. No reply Representative said per breakdown loan is {$900.00} that is incorrect information. If you look at the dates and the law. Need verification and the break down.
05/24/2023	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 78753	Web	Older American
I was supposed to buy a vehicle from a dealer then we didnt reach an agreement regarding availability of vehicles and price The sales rep they were hiding the car that I wanted and tried to sell me different that I didnt like So I texted the sales rep and told them to not run my credit report anymore. But they kept doing it until they get me declined with my own bank whenever Ive found the best deal Now am getting denied everywhere because I have too many inquiries So I couldnt buy the vehicle that I wanted
07/02/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	UT 84119	Web
I received a repossession notice in the mail on the XXXX of XXXX of 2022. Which gave me 3 days over a holiday weekend to come up with the money. The letter was dated on the XXXX of XX/XX/2022. The letter says that I have 13 days from the date of the letter to make a payment on the amount that is past due. It appears that they held onto the letter for several days before it was put in the mail since it should not take until the XXXX of XX/XX/2022 to receive it. If it was mailed on the XXXX of XX/XX/2022.
04/30/2022	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 Investigation took more than 30 days	TN 38115	Web
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, and XXXX and XXXX reporting deleted information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be removed. FIRST INV SERVICING CO XXXX Balance : {$0.00}.
07/27/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	AL 35810	Web
I reached out to the company to see what was my payout. Company provided my payout. Sent out the money and company supplied me with the paid in full letter. A month later they are trying to collect {$930.00} more dollars which is impossible when I reached out for the pay off amount. I called and spoke with a manager who was supposed to send me everything in my file. He only sent me my payments which did not even include the pay off check that was sent and never replied back.
08/22/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Problem after you declared or threatened to declare bankruptcy	OH 444XX	Web
XXXX days after our missed payment, they started calling repeatedly. On XXXX XXXX, we called them and told them we are filing XXXX XXXX bankruptcy and gave them our attorney 's phone number. Today, XX/XX/XXXX, they called me XXXX times ( while I was at work ). I called them after work and again told them we are filing bankruptcy and gave them the phone number. I also said calling me XXXX times in XXXX day was harassment and he told me that is within their guidelines.
10/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30228	Web
these items in my credit file are from unauthorized use of my social security number card and number. I did not authorize these accounts to be taken out in my name nor do they they relate to anything i do or applied for. I'm completely unaware of any of this. You assumed a vital role and your job is to report every account and inquiry with maximum accuracy. These accounts are from identity theft and are not accurate. They do not belong on my credit file/report.
01/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77536	Web
On XX/XX/2023 at XXXX XXXX, an agreement was made with XXXX XXXX, a compliance manager for First Investors Financial Services, that states upon receiving the payoff check for the amount of {$6100.00} for the vehicle loan, the account status will be reported as ( paid as agreed ; closed ) to the credit bureaus. This conversation was recorded by First Investors Financial Services and I. The payoff check was received by XXXX XXXX on XX/XX/2023 at XXXX XXXX
05/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77320	Web
To whom it may concern, 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 a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat payment on a credit account under an open end consumer credit plan as late for any purpose.
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	TX 75181	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.
04/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WA 98374	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 al open end consumer credit plan as late for XXXX purpose.
08/31/2022	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 XXXXX	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 any purpose.
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	CA 94553	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.
12/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	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.
11/30/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	IN 46324	Web
I was on leave of Absent from my job and I can thems and ask can I get car Refinance in first investor told me they dont do than I ask can one of my payment to be put at end and they said they dont do that..And I told them I was coming back for my car.and they sell it to the Auction now they want me to pay for the towing and change the lock on car and Title..but it at dealership in XXXX for {$19000.00} I had pay it down to XXXX
03/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85353	Web
In accordance with the fair credit reporting Act XXXX XXXX # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 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 purpose.
08/01/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	TX 75165	Web
On XX/XX/2023, I went to finance an auto at a dealership. I was already pre-approved from a certain lender ; however, the dealership ran my application to other lenders. Stellantis Financial Services , Inc. was one of them. Bank XXXX XXXX immediately denied an extension of my credit. This is 2 violations of ECOA / Regulation B, by denying me and further discouraging me from applying for an extension of my credit.
08/18/2022	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Lender trying to repossess or disable the vehicle	OH 454XX	Web	Servicemember
Never had possession of the vehicle when financed on welcome call they knew!! So many out of pocket expenses that were never covered by limited warranty Only had possession of the vehicle for about XXXX XXXX months the loan was suppose to restart Never received any calls for collection except twice no right to cure letter also the company was deceptive by sending emails from agents verses business name
04/12/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	FL 33442	Web
I had a baby and was on FMLA. After returning to work, I was behind on several bills. I have tried to make arrangements with this company but was told I was ineligible for any assistance until I made 6 payments. I have talked to several different representatives and they were all rude and unhelpful. This is the worst auto finance company and their business practices should be looked into.
01/26/2024	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	NC 28110	Web
Sent a notice of right to cure default the day after a payment was made. Given 10 days to make another payment when my payment was two days late. They have been threatening me to cure the car with no reason at all. I have 1 year left and it seems like they keep threatening to come get my car without cause and it feels very intimidating and illegal. You have people that are 60 days late.
12/03/2022	Yes	Vehicle loan or lease Loan	Credit monitoring or identity theft protection services Billing dispute for services	IL 620XX	Web	Servicemember
During the pandemic in 2020, I owed less than {$600.00} on a car loan with First Investors Inc. I asked for additional time to pay it off and their response was reporting late payments multiple times to all three credit bureau which remains on my credit report and substantially lowered my score. I paid the loan off, however, they reported it as late and a charge off?
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	AR 72301	Web
First Investors Servicing Co. XXXX XXXX XXXX sold - XXXX XXXX In accordance with the FAIR CREDIT REPORTING ACT, First Investors Servicing Co. has violated my rights. 15 USC 1681 section 6028 states I have the right to privacy. 15 USC 1681 section 6048 section 2 also states a consumer reporting agency can not publish an account without my written instruction.
09/30/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	GA XXXXX	Web
I have contacted this lender XXXXadvised them that I was XXXX for a while now and I am in need of a financial hardship. They are not giving me any option. I explained to them that I just start working back this week, and because I am already behind, I am not in a position to get this account back on track right away. Still they are not trying to work with me.
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	GA 31721	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 cosumer 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.
05/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77536	Web
First Investors Servicing Corporation is reporting an account with a mailing address that does not match the address reported on my consumer reports, utility bills, or bank statements. May First Investors Servicing Corporation provide statements to the consumer reporting agencies and myself showing the corrected mailing address?
06/26/2023	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	TX 77536	Web
The auto loan was opened on XX/XX/, but the payment history for XXXX, XXXX, XXXX, and XXXX of XXXX is missing from my credit reports, which yields an incomplete description of the payment history. Please update the payment history for this account or remove the account from my credit report for being incomplete.
01/26/2023	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	FL 33411	Web
I am writing to you because you are reporting inquiries on my credit report that I do not recall. Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately.
10/09/2023	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	TX 75075	Web
Warranty Cancellation which resulted in a refund of {$2400.00}. I have yet to receive payment, and have not been given any reason except for that they sent it to the wrong address. Reissued check again XX/XX/2023 again being told it went to wrong address. Terrible customer service.
05/05/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	CA 94533	Web
This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. There has been unauthorized used of my information and credit report. XXXX XXXX XXXX XXXX XXXXXXXX. {$0.00} Acct # : XXXX
02/07/2023	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	NC 28273	Web
I recently checked my credit report and saw that on XX/XX/2022 FIRST INVESTORS FIN ran my credit. I did not authorize this. This inquiry has caused my score to decrease. I fear that my identity has been stolen.
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.
11/28/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	CA XXXXX	Web
I did surrender my vehicle on XX/XX/2018. I thought if i surrendered my vehicle that was that. I've heard many people tell me that once it was repoed you don't have to worry about it.
12/03/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	LA 711XX	Web
FIRST INVESTORS SERVICIN 60 DAYS LATE Auto Loans {$0.00} Status Date Reported XX/XX/2019 Payment Status 60 Days Late I never made a late payment. I paid the loan off early
10/26/2022	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	FL 328XX	Web
The company and lender inquired into my credit without my authorization. XXXX XXXX XXXX told me that he would not inquire into my credit and it turned out that he did.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
04/10/2022	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	NC 28358	Web
Literally Done Called And Sent Letters They Just Continue To Update When I Authorize Nobody To Run My Credit Or Look At It.
03/24/2023	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	NJ 07306	Web
THESE ARE INQUIRIES THAT WAS NOT AUTHORIZED : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 FIRST INVESTORS FIN XX/XX/2022
05/14/2022	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	MO 63033	Web
Contacted company and credit bureaus and told them I didnt authorize these inquiries. They said the cant remove them
03/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Problem canceling credit monitoring or identify theft protection service	ME 04106	Web
Saw a hard inquiry on my account which I had no idea about and did not authorize on XX/XX/23.
12/05/2023	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 32224	Web	Servicemember
This company is reporting on my credit report without my knowledge
01/08/2024	Yes	Vehicle loan or lease Loan	Repossession Lender trying to repossess or disable the vehicle	CA 90805	Web
They want to repossessed my cars when I ask for a deferment
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
Asked to removed unauthorized and inaccurate information
07/21/2023	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 393XX	Web
Inquires that were not Authorized
02/13/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CO 80107	Web

02/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33068	Web

02/08/2024	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	AL 35405	Web

02/07/2024	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	NC 283XX	Web	Older American

02/06/2024	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	MI 480XX	Web

01/31/2024	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	PA 17404	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

01/29/2024	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 11223	Web

01/29/2024	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 11223	Web

01/12/2024	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	AL 36116	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	IL 60016	Web

01/11/2024	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	CA 92108	Web	Servicemember

01/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 21244	Web

12/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30047	Web

12/13/2023	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 90012	Web

12/08/2023	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	IL 60504	Web

12/07/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NY 10303	Web

11/24/2023	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	IL 60504	Web

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 90012	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	FL 33020	Web

10/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77459	Web

10/30/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Old information reappears or never goes away	WI 53406	Web	Servicemember

10/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94114	Web

10/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10453	Web

10/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20602	Web

10/10/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NJ 08204	Web

10/06/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 93309	Phone

10/02/2023	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	OH 45410	Phone

09/28/2023	Yes	Vehicle loan or lease Loan	Repossession Account reinstatement or redemption after repossession	TX 77073	Web

09/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WI 53223	Referral

09/17/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	AZ 85085	Web

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 77019	Web

09/14/2023	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	IN 46237	Web

09/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60659	Web

09/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85143	Web

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	IL 60504	Web

08/26/2023	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	TX 77584	Web

08/12/2023	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 31602	Web

08/04/2023	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 33428	Web

08/02/2023	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 85254	Web

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	IL 60173	Web

07/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92392	Web

07/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 94513	Web

07/03/2023	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 45039	Web

06/26/2023	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	IL 60564	Web

06/26/2023	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	OH 45069	Web

06/05/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	OR 97146	Web	Servicemember

05/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33160	Web

05/22/2023	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	NY 11235	Web

05/12/2023	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 33756	Web

04/29/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	GA 30238	Web	Servicemember

04/24/2023	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	GA 30064	Web

04/19/2023	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	NY 10306	Web

04/19/2023	Yes	Vehicle loan or lease Lease	Incorrect information on your report Account information incorrect	IL 60621	Phone

04/15/2023	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	KS 67207	Web

04/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60623	Web

04/11/2023	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	KS 66866	Web

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	CA 90007	Web

04/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76123	Web

03/18/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	FL 33907	Web

03/16/2023	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	NY 11434	Web

03/16/2023	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	NJ 07024	Web

03/16/2023	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	PA 19114	Web

03/15/2023	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 33129	Web

03/14/2023	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	MD 21234	Web

03/05/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	TX 75126	Web

03/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77498	Web

02/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19139	Web

02/01/2023	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 Investigation took more than 30 days	VA 23324	Web

01/18/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	CA 90250	Web

01/10/2023	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	IL 60637	Web

01/09/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	TX 77536	Web

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	DE 19703	Web

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	AL 36575	Web

11/23/2022	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 79407	Web

10/31/2022	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	TX 77007	Web

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	OH 45014	Web

10/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30223	Web

10/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70454	Web

10/05/2022	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 Investigation took more than 30 days	MD 21117	Web	Servicemember

10/05/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 92544	Web

10/02/2022	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 Difficulty submitting a dispute or getting information about a dispute over the phone	PA 19018	Web

09/19/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	GA 31313	Web

09/15/2022	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	WA 99362	Web

09/14/2022	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 27051	Web

09/09/2022	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	SD 57783	Web	Servicemember

08/18/2022	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	GA 30223	Web

08/09/2022	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	IL 60628	Web	Servicemember

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	CA 92122	Web

06/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 95742	Web

06/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77090	Web

06/08/2022	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	CA 92104	Web

05/31/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account information incorrect	NC 27527	Referral	Older American

05/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30214	Web

05/13/2022	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 91203	Web

05/02/2022	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 19053	Web

04/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29360	Web	Servicemember

04/24/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	KY 40330	Web

04/21/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 37760	Referral

04/11/2022	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	PA 19116	Web

03/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OK 74119	Web

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	TX 77089	Web

03/07/2022	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	MD 21702	Phone

03/01/2022	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	IL 60443	Web

02/17/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 21215	Phone

02/16/2022	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 33311	Web

02/15/2022	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	MD 21702	Phone

02/09/2022	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	NC 28262	Web

02/07/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	OH 45373	Web

02/07/2022	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	AZ 85032	Web

02/07/2022	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	AZ 85032	Web

02/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44120	Web

01/30/2022	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	GA 31093	Web

12/14/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77489	Web