World Omni Financial Corp. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
03/16/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	MI 48327	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Social Security # XXXX DOB : XX/XX/1987 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX Reporting Disputes XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers. The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information. 2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed. 3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor. 4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time. 5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports. 6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency. I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry. DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE ON EXCESSIVE INQUIRY PRACTICES INTO A CONSUMER REPORT WITHOUT PROPER DISCLOSURES IN PLACE AND/OR ABUSIVE EXTENSION OF LEGITIMATE BUSINESS PURPOSES, THIS IS THE ACTUAL GUIDELINES OF OBTAINING CONSUMER REPORTS UNDER THE FAIR CREDIT REPORTING ACT As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Although staff generally followed the format of the U.S. Code as published by the Government Printing Office, the format of this text does differ in minor ways from the Code ( and from West 's U.S. Code Annotated ). For example, this version uses FCRA section numbers ( 601-625 ) in the headings. ( The relevant U.S. Code citation is included with each section heading and each reference to the FCRA in the text. ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individual 's capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days ' prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under Section 454 of the Social Security Act ( 42 U.S.C. 654 ) for use to set an initial or modified child support award. ( b ) Conditions for furnishing and using consumer reports for employment purposes. ( 1 ) Certification from user. A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumer 's rights under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ) [ 1681g ]. ( 2 ) Disclosure to consumer. ( A ) In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless -- ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application -- ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 615 ( a ) ( 3 ) ; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. ( C ) Scope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if -- ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions. ( A ) In general. Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates -- ( i ) a copy of the report ; and ( ii ) a description in writing of the rights of the consumer under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ). I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is not 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. Thank you for your full consideration in this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
05/24/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with signing the paperwork	GA 309XX	Web	Older American, Servicemember
Greetings Investigator : The Southeast Toyota Finance Manager at XXXX XXXX XXXX in XXXX, SC did not provide me with a Purchase Agreement at closing on Tuesday afternoon XX/XX/2021. This may be in violation of Disclosure Laws pertaining to purchase and/or sale of a new motor vehicle in most states to include Georgia and South Carolina. I requested this information via e-mail on XX/XX/2021 on three separate occasions. But XXXX XXXX, Public Relations Manager has yet to followup with to provide this information. He promised to get to the bottom of the complaint. But I have not received any information about Purchase Agreement as of today XX/XX/2021. I am not sure If I received the {$1000.00} I paid with my XXXX XXXX debit card over the phone or the {$500.00} military rebate. Finance Manger gave me a copy of Credit Report but I did not see the purchase agreement. In addition, I was very dissatisfied with Southeast Toyota 's 7 % interest rate. I have never been charged that much for a vehicle loan. Within the past year, I paid off a XXXX XXXX XXXX with Southeast Toyota and my rate was less than 3 %. Now they are charging me over 7 %. This is ridiculous. According to XXXX XXXX XXXX, my Credit score is XXXX and according to XXXX XXXX, it is XXXX. In stark contrast, According to Southeast Toyota Finance, my credit score isXXXX. This over 100 points under my credit score according to the second largest XXXX XXXX XXXX ( XXXX ) in the nation and the largest bank XXXX XXXX XXXX ) in the nation. I signed documents electronically on some type of futuristic desktop that looked like a computer screen in the Finance Managers Office. Printed out copy of Credit Report to show help me understand why I received the rating. But, I was very upset about the high interest rate and left the office. Drove new vehicle home in XXXX, GA XXXX hr from XXXX South Carolina. Due to the complexity of going through a car buying process and trying to figure what they were actually doing was overwhelming and I could not deal with it very well and at times was not focused on what the finance Manager was actually saying or what it meant. I was XXXX XXXXXXXX from my job because I could not XXXX on my task or deal with complexities of the workplace in trying to complete various types of paperwork. I also have XXXX XXXX XXXX and tend to XXXX steps of the task at hand in to addition to having other medical issues not to mention the fact I can be easily XXXX and XXXX about small issues. Going through the process with the Finance Manager is strikingly similar to what I had experienced in the work place and it brought back bad memories. Sitting in the Finance Managers office, I believe I was in a sinister and evil place in which I never go through again. I believe the Finance Manager seized on my distress of the high interest rate to conceal the charges associated with purchase of the vehicle and failed to provide me a copy of the Purchase Agreement. But, instead printed out a copy the credit Report to make me believe I was receiving a purchase agreement. I believe the Futuristic XXXX XXXX Desk Top Computer Screen was used as a tool to add to the confusion and complexity. This Desk Top Computer was difficult to read and was hampered by the Plexiglass COVID-19 shield in between me and Finance Manager. A small portion of the Desk Top Computer Screen was on my side of the shield and large portion of the desk was his side. I also sent a two page letter to Toyota HQ USA, TX, Southeast Toyota Disrtibuters XXXX XXXX, FL and XXXX XXXX XXXX and awaiting a response. Below is correspondence to the dealership in order to remedy the complaint. CORRESPONDENCE TO XXXX XXXX XXXX SALES TEAM : Good Morning, XXXX : I appreciate you helping me the purchase of the XXXX. You were kind, courteous and knowledgeable. But, I am extremely unhappy with Southeast Toyota Finance for the high interest they are charging me for this vehicle. I apologize for rushing through the process yesterday with everything. But, I need to get a copy of the original Purchase agreement for the XXXX with all the numbers that show price of vehicle, taxes, dealer add ons. ect ... I am not sure if we included {$1000.00} I paid with debit card over the phone or the {$500.00} military rebate. Finance Manger gave me a copy of Credit Report but I did not see the purchase agreement. In addition, I was very dissatisfied with Southeast Toyota 's 7 % interest rate. I have never been charged that much for a vehicle loan. Within the past year, I paid off a XXXX XXXX XXXX with Southeast Toyota and my rate was less than 3 %. Now they are charging me over 7 %. This is ridiculous. According to XXXX XXXX XXXX, my Credit score is XXXX and according to XXXX XXXX, it is XXXX. In stark contrast, According to Southeast Toyota Finance, my credit score isXXXX. This over 100 points under my credit score according to the second largest XXXX XXXX XXXX ( XXXX ) in the nation and the largest bank ( XXXX XXXX ) in the nation. I plan on filing an appeal/complaint and will ask them to lower the interest rate to their lowest rate. If not, I will refinance with either XXXX XXXX XXXX XXXX or XXXX XXXX XXXX. This is a great opportunity for Southeast Toyota Finance to " right a wrong '' for a U.S. Veteran veteran who was responsible for protecting the Homeland during operation XXXX XXXX XXXX During this period, I was the XXXX XXXX XXXX responsible for ensuring that XXXX XXXX XXXX XXXX were loaded and ready for combat on Alert XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX. We provided a protective Dome over the east Coast during this period. XXXX XXXX, Director of Public Relations, is copied on this e-mail for continuity purposes. I understand If nothing can be done at your level. But, If that is the case, Then I will go forward with complaint against Southeast Toyota. Thanks again in advance for your assistance. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Thanks, XXXX. I will stay with SETF if they will lower my interest rate ( around 2 % ). But, If they don't, I will refinance with XXXX XXXX or XXXX. I financed with SEFT for convenience and because I thought it would be good for XXXX XXXX. XXXX is a good guy and XXXX XXXX XXXX had the vehicle I wanted. All other dealers in the XXXX could not help me. But XXXX XXXX XXXX is a Good dealership with great sales staff. Please let Management know Mr. XXXX is great when responding to customers and he should be recognized .... not so much with SETF. I also need copies of Purchase Agreement and other paperwork I left behind. Thanks for your service! XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Hi XXXX : Still waiting on Purchase Agreement and other paperwork I signed at the dealership. Would it be easier to mail copies of paperwork to me? They don't have to give me the {$500.00} MilitaryRebate if I refinance with another credit. I can't handle the high interest rate SETF charges me. This is the vehicle I bought with XXXX XXXX offer ... VIN : XXXX as shown on e-mail chain. Purchase Price ... ... ... ... ... ... .... {$42.00}, XXXX Trade in ... ... ... ... ... ... ... ... ... ... ... {$23.00}, XXXX Trade in Pay off ... ... ... ... ... ... .... {$9.00}, XXXX Payment over the phone with XXXX XXXX Credit Card ... .. {$1000.00} SETF Military Rebate ... ... ... ... ... ... ... {$500.00} Thank you. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
12/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33569	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. Southeast Toyota Finance / XXXX & BAL. {$3400.00} 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 with 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 identity theft reports 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
11/19/2018	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with fees charged	GA 31419	Web	Servicemember
I am a XXXX XXXX XXXX currently on XXXX XXXX. I leased a new XXXX XXXX from XXXX XXXX XXXX on XX/XX/XXXX. However, the financing contract I entered regarding my vehicle was with XXXX XXXX XXXX ( XXXX ). My unit deployed on XX/XX/XXXX. I was unable to take my vehicle with me. Consequently, I elected to pursue my rights under the Servicemembers Civil Relief Act ( SCRA ) and terminated my motor vehicle lease early. I gave XXXX XXXX XXXX and XXXX XXXX XXXX written notice, a copy of my orders, and returned the vehicle on XX/XX/XXXX pursuant to 50 U.S.C. 3955 ( c ) ( 1 ). I received a Lease Termination Acknowledgement from XXXX XXXX XXXX the day I returned the vehicle. I deployed on XX/XX/XXXX. I received a bill from XXXX XXXX dated XX/XX/XXXX. The bill was for excess mileage, excessive wear and use, and a disposition fee which amounted to a total of {$1200.00}. When I returned from my deployment, I called and inquired about these fees. I was told that I exceeded my mileage allotment in the contract which resulted in the excess mileage fee ; there was a scratch on the vehicle that had to be repaired which resulted in the excessive wear and use fee ; and I received no clear explanation of a disposition fee. The mileage fee is especially peculiar because in my signed lease, I was allotted XXXX miles for the year. The vehicles odometer read XXXX ( XXXX ) miles when I leased it. I returned it with an odometer of XXXX miles. This is approximately XXXX miles below my contractual entitlement of XXXX miles. During my inquiry, I was told that because I ended my lease early, my mileage allotment was prorated based on the time I had the vehicle. I had the vehicle for approximately six ( 6 ) months and thus I was only entitled to XXXX miles ; roughly half of the mileage allotment for half the lease time. Consequently, I was approximately XXXX miles over my allotment and billed for excessive mileage use. These modification terms are absent from my lease contract with XXXX XXXX XXXX. However, I was told that this modification was implied when I spoke to an agent of XXXX XXXX XXXX. Contractual terms are not implied. Rather, ambiguous and non-existent terms are construed, strictly, against their drafter. I scheduled an appointment with a Legal Assistance Attorney. The attorney and I called XXXX XXXX XXXX to inquire about the contractual terms of the lease. The attorney spoke with a XXXX XXXX XXXX who reiterated that under the SCRA, they were permitted to change the terms of the contract and prorate the mileage given the early termination. The agent continued to express this belief despite the modifications inclusion in the agreement. The attorney explained to the agent that under the SCRA, early termination fees are explicitly prohibited. The attorney stated that, in practice, I was being punished for terminating my lease early by way of unilateral reduction of the miles I was permitted to use. The attorney went on to explain that the ability to prorate relates only to any unpaid amounts before the termination date of the vehicle. The agent did not understand. The attorney asked to speak with their legal counsel. The agent denied the attorneys request and refused to provide any additional information on their charging methods. The agent then defined the disposition fee as a fee to dispose of the vehicle and it is standard in all leases. The attorney explained to the agent that although a fee is named something other than a termination fee, one that acts like a termination fee in practice is expressly prohibited under the SCRA. The agent refused to remove the fees despite my lawful early termination and my adherence to the terms of the leasing contract. Under the SCRA, a failure shall not accrue for failure to comply with the terms of the contract during the [ contractual period ]. 50 U.S.C. 3933. Any unpaid amount preceding the effective termination date of the lease termination shall be paid on a prorated basis. 50 U.S.C. 3955 ( emphasis added ). The termination date is defined in the SCRA as the day on which the requirements [ such as the provision of written notice, orders, and ultimately returning the vehicle ] are met. 50 U.S.C. 3955 ( c ) ( 1 ) ( A-B ). Unpaid fees before my termination are permitted. Fees afterward are not. Nowhere in the SCRA does any language suggest that a lease broken lawfully under the SCRA may be modified to account for fees charged after the lawful termination of the lease. What the SCRA does speak to is the inability for a lessor to charge any early termination fee. Shortening the mileage requirements to account for the Servicemembers use to date because a Servicemember legally terminated his lease and deployed, in practice, functions as a termination fee. Further, regardless of what a fee is labeled, a fee for returning the vehicle early, a disposition fee, appears to be an early termination fee. [ T ] he [ SCRA ] must be read with an eye friendly to those who dropped their affairs to answer their countrys call. XXXX XXXX v. XXXX, 333 U.S. 1, 6 ( 1948 ) ( citing XXXX XXXX XXXX, 319 U.S. 561, 575 ( 1943 ) ). The Legal Assistance Attorney then contacted the dealership to better understand the contractual terms of my lease. He spoke with their finance department. The finance department operated as a third party to the contract. However, their department head was unaware of any prorated mileage terms in their contracts. The finance department reiterated that a XXXX mile lease usually means just that, regardless of the amount of miles the lessee chooses to use in the first six months.
10/28/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	FL 33607	Web
I don't recall exact dates or words spoken by any party involved. For this reason I will be summarizing my experience with the company. I was contacted by a person claiming to be from Toyota a few years ago ( probably XXXX or XXXX ) stating that I owe them money ( about {$500.00} ). I explained to them that when I turned in the leased vehicle ( XXXX ), I was told by the representative that the car was free of any damage and that I did not owe anything. The transaction was finalized and the car was turned in. I told the individual on the phone that I would like to see proof that I owed them that amount of money and provided them my contact information that was requested. I may or may not have heard from them again shortly after. If so, my explanation and request for proof were repeated. I never received anything from them in the mail or email. I see that it is showing up in my credit report so I disputed it with XXXX and provided my reasoning. I then heard back from XXXX and was told the dispute was closed because the information was under my name. I then contacted SETF ( South East Toyota Finance ) to discuss everything up to this point and they told me the following was the breakdown of the charges : 1 ) {$350.00} [ stocking ] fee - I forgot the exact word they used, but it was something like a stocking fee 2 ) {$12.00} late fee 3 ) {$160.00} for wear and tear on the vehicle In addition to this, they told me that there is nothing they could do about the credit report because this was my name. I repeated to them what had occurred and explained that I don't believe I was provided any proof of my owing the amount stated, or any amount of money at all, and that I didn't understand on what grounds they could report this as a negative mark on my credit report. I have had over 10 calls a year over the past 3-5 years from people claiming that I owe money to [ their ] company or taxes or something like that, and to be safe and fair I have attempted to screen out the fraudulent calls. Since they provided me with plenty of my information I assumed they were being honest and gave them my contact information so that they could provide proof. Since the proof was not received, and I recall the gentleman at the dealer telling me that I did not owe any money, I assumed it was one of the false or fraudulent calls. The representative at SETF reassured me that they couldn't do anything, except for if I go to the dealer where I turned in the vehicle and speak to the representative that inspected the vehicle and get him to write a letter to them confirming my claim. They specifically said I need to go in person! This car was turned in almost 4 years ago in California. I am currently living in Florida. I do not remember the individual whom inspected my car and took the keys from me. I hardly remember the dealer, although I should be able to look it up because I know it was towards the end of XXXX and I took an XXXX or XXXX home from the dealer. I doubt the individual would recall this anyhow. Additionally, it seems to me to be unfair and a bit excessive that, after this much time and no proof provided by them for the money they suggest I owe ( {$520.00} on my credit report ), that they require me to fly across the country to attempt to find this individual and ask him to write and sign a letter regarding this matter. Again, assuming this gentleman still works there, I wouldn't expect him to recall a 30 - or so minute transaction that occurred in XXXX. Still no proof of anything was volunteered by them ; only words saying that I owe them money. They then transferred me to the " Least end of term '' department where I was told to explain to them what had occurred. After over an hour on hold with this department ( the direct number was provided prior to the transfer : XXXX ), I decided to submit this complaint as previously directed by the representative from XXXX. I have now been on hold for XXXX hour and XXXX minutes and have not gotten a hold of anyone. I will continue to wait until bed time and document that conversation as I am able, if it does occur. In the mean time I would like some guidance as to how to handle this situation. Also... Below it requests optional documents to provide. I don't know if I have any documents to provide. I will go through boxes of old papers in my storage unit over the next week or so when I get time to see if I find anything. I'm pretty sure that on the day I returned the car at the dealer the individual whom inspected it signed off on something, but it has been 4 years and I have moved 5 times since then ; XXXX of them being across the country. I am not the most organized person I know and don't always keep receipts or documents, or keep them organized if I do. I still believe that burden of proof should be on them, being that they are the ones making a claim that I owe them something. XXXX walking up to a stranger on XXXX XXXX telling them that they owe you something, then calling the police to enforce the amount they owe you when they ask you to provide proof of the amount owed. I don't believe this is how the system works. Anyways, thank you in advance for your attention in this matter! And sorry for the lengthy description.
11/09/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	OH 44111	Web
I the natural person and consumer purchased a XXXX XXXX XXXX in XX/XX/XXXX at stone mountain toyota in georgia for personal, family, and household purposes using my open end consumer credit plan and negotiable instrument chattel paper. Upon purchasing the vehicle I was supposed to receive a purchase money loan in exchange for the finance charge pursaunt to regulation Z in 16 cfr 433.1 ( D ). I never received the proceeds that federal law says I was supposed to, nor title to my property. This company never gave me full disclosure of forms that were required as defined in the truth in lending act. The finance company and dealer ship both used unfair and prohibited practices to defraud me. They coerced me out of my chattel paper, violated the FCRA, FDCPA, and engaging in securities fraud. After I gave my chattel paper ( that they turned into a deceptive form ) for the vehicle the deal was complete as stated on page 3 section 2 ( c ) of the agreement stating " THIS SECURES PAYMENT OF ALL YOU OWE ON THIS CONTRACT. IT ALSO SECURES YOUR OTHER AGREEMENTS IN THIS CONTRACT. '' By stating that I was under the impression that I owed nothing else to no one, and if I was wrong that is fault on the dealer and alleged lender for knowingly and willfully keeping information from me which is a another federal violation of the FDCPA. After that was done the dealer began to commit aggravated identity theft by unlawfully transferring, possesses, and used, without lawful authority, a means of identification of another person ( myself ) to this financial institution. They sold this contract to this institution to coerce me the consumer into believing I was responsible for repaying this debt when in fact 18 usc 8 says that its the obligation of the united states. The false and deceptive agreement state the the seller assigns its intrest over to the financial institution to give them the false sense of interest in the property. I never paid south east toyota finance due to the fact that there is no lawful way of paying them and regulation z says that the creditor ( if thats what they are ) lends purchase money or finances the sale of goods or services to consumers on a deferred payment basis so it wasnt clear as to what else was I paying, when i was to pay, and in what form of payment. They company them began sending monthly remittance slips that was beyond difficult for me to deposit and or properly endorse. Due to the in ability to deposit them they began to unlawfully report negative information to the consumer reporting agencies violating the FCRA and FDCPA. After a few months I made a call to this company ( SOUTH EAST TOYOTA ) on XX/XX/XXXX at roughly XXXX XXXX and recorded the call and I demanded a cease and desist be placed on this account and the rep said that they would do such. I heard nothing back from them via phone, email, or warning in the mail that they were about to unlawfully violate me and seize my property violating 15 usc 1692e ( 4 ). This company then sent a order to Relentless recovery to steal my property which they stole XX/XX/XXXX on or about XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. On XX/XX/XXXX at XXXX XXXX ( complaint number XXXX ) I submitted a CFPB complaint for both Relentless recovery and this company with a right of rescission, a copy of the agreement, the playback of the call where i demanded a cease and desist XX/XX/XXXX. I sent a letter of intent to sue to the unauthorized third party repossession company on the XXXX, and I sent a revocation of power of attorney and revocation of security intrest on XX/XX/XXXX to south east toyota finance signed and notarized over night to XXXX XXXX and one of the locations in XXXX Alabama that was received slightly past XXXX XX/XX/XXXX. ( Tracking number XXXX XXXX XXXX XXXX XXXX ). I then called and spoke to multiple reps ( on my recorded line that I informed them about ) that acknowledged receiving the documents. The reps I spoke with was XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX and I informed them all that I demand my property back and I informed them of the code of federal regulation they were violating and they basically told me Im not getting my property back until I pay them with us currency ( federal reserve notes ). Today is XX/XX/XXXX I am the consumer in fact and I have been in fact violated. This company has now as of today XX/XX/XXXX has had my car sent to an auction to be sold so they can continue to abuse me and attempt to make me pay for a debt that pursuant to federal law they cant say I the consumer owe any debt. The car is currently at XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. I the consumer and administrator in fact pursuant to 15 usc 1692c ( D ) have documentary evidence and have reason to believe and do so believe that this organization and persons is committing federal violations and crimes under the rico act. I seek to have this company found guilty of Racketeering pursuant to 18 usc 1962, fraud by wire 18 usc 1343, bank fraud 18 usc 1344, 18 usc 1341 frauds and swindles, Regulation z violation, 12 cfr 1006 through 12 crr 1006.100, securities fraud and antitrust violations.
11/10/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	OH 44111	Web
I the natural person and consumer purchased a XXXX XXXXXXXX XXXX in XX/XX/XXXX at XXXX XXXX XXXX in georgia for personal, family, and household purposes using my open end consumer credit plan and negotiable instrument chattel paper. Upon purchasing the vehicle I was supposed to receive a purchase money loan in exchange for the finance charge pursaunt to regulation Z in 16 cfr 433.1 ( D ). I never received the proceeds that federal law says I was supposed to, nor title to my property. This company never gave me full disclosure of forms that were required as defined in the truth in lending act. The finance company and dealer ship both used unfair and prohibited practices to defraud me. They coerced me out of my chattel paper, violated the FCRA, FDCPA, and engaging in securities fraud. After I gave my chattel paper ( that they turned into a deceptive form ) for the vehicle the deal was complete as stated on page 3 section 2 ( c ) of the agreement stating " THIS SECURES PAYMENT OF ALL YOU OWE ON THIS CONTRACT. IT ALSO SECURES YOUR OTHER AGREEMENTS IN THIS CONTRACT. '' By stating that I was under the impression that I owed nothing else to no one, and if I was wrong that is fault on the dealer and alleged lender for knowingly and willfully keeping information from me which is a another federal violation of the FDCPA. After that was done the dealer began to commit aggravated identity theft by unlawfully transferring, possesses, and used, without lawful authority, a means of identification of another person ( myself ) to this financial institution. They sold this contract to this institution to coerce me the consumer into believing I was responsible for repaying this debt when in fact 18 usc 8 says that its the obligation of the united states. The false and deceptive agreement state the the seller assigns its intrest over to the financial institution to give them the false sense of interest in the property. I never paid south east toyota finance due to the fact that there is no lawful way of paying them and regulation z says that the creditor ( if thats what they are ) lends purchase money or finances the sale of goods or services to consumers on a deferred payment basis so it wasnt clear as to what else was I paying, when i was to pay, and in what form of payment. They company them began sending monthly remittance slips that was beyond difficult for me to deposit and or properly endorse. Due to the in ability to deposit them they began to unlawfully report negative information to the consumer reporting agencies violating the FCRA and FDCPA. After a few months I made a call to this company ( SOUTH EAST TOYOTA ) on XX/XX/XXXX at roughly XXXXXXXX XXXX and recorded the call and I demanded a cease and desist be placed on this account and the rep said that they would do such. I heard nothing back from them via phone, email, or warning in the mail that they were about to unlawfully violate me and seize my property violating 15 usc 1692e ( 4 ). This company then sent a order to XXXX XXXX to steal my property which they stole XX/XX/XXXX on or about XXXX from XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX OH XXXX. On XX/XX/XXXX at XXXX am ( complaint number XXXX ) I submitted a CFPB complaint for both XXXX XXXX and this company with a right of rescission, a copy of the agreement, the playback of the call where i demanded a cease and desist XX/XX/XXXX. I sent a letter of intent to sue to the unauthorized third party repossession company on the XXXX, and I sent a revocation of power of attorney and revocation of security intrest on XX/XX/XXXX to south east toyota finance signed and notarized over night to XXXX XXXX and one of the locations in XXXX Alabama that was received slightly past XXXX XX/XX/XXXX. ( Tracking number XXXX XXXX XXXX XXXX XXXX ). I then called and spoke to multiple reps ( on my recorded line that I informed them about ) that acknowledged receiving the documents. The reps I spoke with was XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX and I informed them all that I demand my property back and I informed them of the code of federal regulation they were violating and they basically told me Im not getting my property back until I pay them with us currency ( federal reserve notes ). Today is XX/XX/XXXX I am the consumer in fact and I have been in fact violated. This company has now as of today XX/XX/XXXX has had my car sent to an auction to be sold so they can continue to abuse me and attempt to make me pay for a debt that pursuant to federal law they cant say I the consumer owe any debt. The car is currently at XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. I the consumer and administrator in fact pursuant to 15 usc 1692c ( D ) have documentary evidence and have reason to believe and do so believe that this organization and persons is committing federal violations and crimes under the rico act. I seek to have this company found guilty of Racketeering pursuant to 18 usc 1962, fraud by wire 18 usc 1343, bank fraud 18 usc 1344, 18 usc 1341 frauds and swindles, Regulation z violation, 12 cfr 1006 through 12 crr 1006.100, securities fraud and antitrust violations.
10/02/2018	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with fees charged	FL 33634	Web
I, XXXX XXXX, an XXXX voter, I am going to this office to make a complaint to the XXXX XXXX. In XXXX, I made a XXXX year contract for a XXXX XXXX XXXX. Between XXXX and XXXX my husband XXXX XXXX took the car to do the service to the car in the same XXXX XXXX. Days later my husband realizes that they changed the carpet of the driver because he took it out to clean it and to our surprise they were broken. My husband went to the XXXX to claim, and they changed it but the car also felt with a small fault and in the XXXX they said that it was the cold weather that put the cars like that. In XX/XX/XXXX my husband I opened the hood of the car, and we realized that the battery had been changed by a used but with much use that was seen even with the eyes closed that was in very bad condition. My husband XXXX XXXX and I went to the XXXX XXXX, and we talked to XXXX of the owners of the franchise and authorized him to change it. We spoke with XXXX of the owners so that he himself knew what was happening. The XXXX of the car dealers named XXXX XXXX when we were no longer my husband and I called and offered to change the car to a XXXX XXXX XXXX with a new contract of XXXX years. We asked him that it was still almost a year before he finished the contract that it was like that. The XXXX XXXX XXXX offered us that the XXXX was going to pay the rest of the contract but we did not accept the anger we had for everything they had done. In the month of XX/XX/XXXX, I had to take the service to the car and a salesman who realized the problem we had had returned to offer to change the car and I decided with my husband to listen to the offer. The seller with the name XXXX made us the same offer that the XXXX XXXX would pay the remaining payments. I asked him what else had to be paid and the seller 's response was that the financier did not let anyone know. When the XXXX XXXX financier called us to finish the contract, he explained everything to me and my husband XXXX XXXX. My husband asked for the excess miles and the financier said there was no problem because the XXXX XXXX would pay for everything and also offered us for {$50.00} plus every month an insurance that covered what was not covered by the XXXX XXXX or the XXXX guarantees everything except wear as tires, battery, lights and extra miles as that insurance covered top that. Several times we asked him if he covered the odd ones, and he said yes. I agree to change the car to a XXXX XXXX XXXX under the condition of paying {$50.00} plus all months other than the {$270.00} contract payment. I signed several documents but the financier gave me XXXX copies and the other information he gave me in a XXXX XXXX with the name of XXXX. After XXXX days I checked the XXXX XXXX and it was empty and I immediately went to the XXXX XXXX with my husband XXXX XXXX, and they told us that the financier XXXX XXXX had voted him a fraudster and that he would call me another financier in the next few days. I spend almost a month without anyone calling and I went to XXXX XXXX, and they told me to talk to another financier named XXXX XXXX and explained that the financier XXXX XXXX had fooled me that the extra {$50.00} insurance does not cover extra miles. I told the financier to cancel the contract and give me my XXXX XXXX car of XXXX and I returned the one that took the year XXXX. The financier told me that it could not because the car had already taken it to the auction that only What I could do was eliminate the extra {$50.00} insurance. I had to take it because I did not have another option, they put me between my back and the wall. After XXXX months it was that I received from the XXXX XXXX XXXX a statement that I have to pay {$3500.00} for excess miles. I called them on the phone and told them I did not agree with what they had scammed me. In conclusion in XX/XX/XXXX I made a contract for a XXXX XXXX car from XXXX at the XXXX XXXX XXXX years later with lies offer me to pay the missing months and the extra mile payment to change the car for a XXXX XXXX. It turns out that the financier votes him for the fraudster and now I have to pay {$3500.00} for an extra mile. I asked that the car be returned to me in XXXX and cancel the contract and in XX/XX/XXXX I had XXXX options. The first I could pay the difference of the debt of the car and stay with it. The second fund the remaining debt and stay with the car paying every month a paid at the end of the car is mine. The last and the worst for me but for them the best to deliver the car and I pay {$3500.00} of extra miles under a fraud they did to me. Now I pay $ 270 monthly for the car in XXXX and the financier wants me to pay the {$3500.00}. I want my XXXX XXXX XXXX car back or that XXXX be responsible for the payment of {$3500.00}. In the last document dated XX/XX/XXXX the XXXX XXXX and XXXX XXXX Department has not yet registered the car as delivered. Index of documents XXXX XXXX, XXXX document XXXX XXXX
06/28/2017	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30034	Web
1. This complaint is to dispute a concern that is probably on my credit or will be on my credit soon. I got approved for a vehicle with Southeast Toyota finance XX/XX/XXXX. I had an accident XX/XX/XXXX at XXXX XXXX. I called southeast Toyota financing within the same week of the accident. They mailed that same week of the accident. They mailed me a letter XX/XX/XXXXon that first line of the letter. It stated " they have received my notice that the collateral for this account is total loss due to theft or destruction. '' I read that letter in dep doing every step they asked me to do. I had already notified my insurance carrier the day after the accident. My insurance provider is XXXX. They mailed me a letter XX/XX/XXXX from the clams department. On my providers letter, it stated in the first paragraph. " I 'm handing your collision for the accident on XX/XX/XXXX. '' I called and got in touch with my clam adjusters over the phone to answer all these questions ; on there " Recorded line I 'm not sure of that exact date. But to my knowledge that call was recorded. I know because it prompts me and asked me is it ok if we continue through this recorded line. I stayed " yes ''. Answering all these questions. Not to long after that I involved my Gap Insurance that was purchased but the same date I purchased my vehicle XX/XX/XXXX. Spoke with their agents answering their questions. I ca n't recall if their line is a recorded line as well to prove it. But I did receive a GAP Settlement Explanation XX/XX/XXXX. 2. The problem that I 'm having is Southeast Toyota billing me for " {$3800.00} '' because when I called them & they called me going back and forth about the asking balances. No one could say " in detail the gap did n't cover it ''. Besides it was 51 days delinquent, but I told South east Toyota that I was n't behind on my payments there automatically taken out of my primary XXXX XXXX XXXX account on "? ". The remaining balance is the problem because I do n't know why there billing me primarily when I thought & I was told ; getting gap when you purchase a vehicle no matter what happens what fault it is GAP will cover the difference my primary insurance wont. This is why I got gap for just in case ; & I feel just in case has happened. 3. This complaint is to dispute a concern that is probably on my credit or will be on my credit soon. I got approved for a vehicle with Southeast Toyota finance XX/XX/XXXX. I had an accident XX/XX/XXXX at XXXX XXXX. I called southeast Toyota financing within the same week of the accident. They mailed that same week of the accident. They mailed me a letter XX/XX/XXXX on that first line of the letter. It stated " they have received my notice that the collateral for this account is total loss due to theft or destruction. '' I read that letter in dep doing every step they asked me to do. I had already notified my insurance carrier the day after the accident. My insurance provider is XXXX. They mailed me a letter XX/XX/XXXX from the clams department. On my providers letter, it stated in the first paragraph. " I 'm handing your collision for the accident on XX/XX/XXXX. '' I called and got in touch with my clam adjusters over the phone to answer all these questions ; on there " Recorded line I 'm not sure of that exact date. But to my knowledge that call was recorded. I know because it prompts me and asked me is it ok if we continue through this recorded line. I stayed " yes ''. Answering all these questions. Not to long after that I involved my Gap Insurance that was purchased but the same date I purchased my vehicle XX/XX/XXXX. Spoke with their agents answering their questions. I ca n't recall if their line is a recorded line as well to prove it. But I did receive a GAP Settlement Explanation XX/XX/XXXX. 4. I need your help ; because it could be all three that the complaint is about. Because I 'm not lawyer. I tried getting a layer, getting advice, I thought I tried everything but I did n't try your company ; in getting assistance with finding assistance with who balance is it to actually pay. because once again " I have " TWO '' Insurance full coverage '' on one car so why am I paying each & all three-companys total for one car ; on time, every month the auto takes what they need from my primary same account from XXXX XXXX XXXX. I ca n't seem to get none of these companies to pay a " {$3800.00} '' balance. 5. The company 's involved are - " Southeast Toyota finance '' -US Gap GAP Addendum -XXXX XXXX ; I still pay every month -XXXX XXXX, Inc -maybe the actual car lot maybe involved where I purchased the vehicle -maybe the GA Department of Public Safety -XXXX XXXX XXXX
10/17/2022	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	GA 30038	Web	Servicemember
My husband and I purchased a vehicle from XXXX XXXX on XX/XX/XXXX. When we went to the dealership we presented with a pre-approval letter from XXXX XXXX XXXXXXXX and specified that we wanted the vehicle financed through them. We filled out a credit application assuming that it would be used to confirm the terms with XXXX XXXX XXXXXXXX. We were there until after XXXX because they had so many transactions to close out before us. When we went to sign the loan documents, I noticed that the documents did not have XXXX as the lender. They did not openly disclose that they had changed our lender, they just did it. Upon inquiry, we were told that the interest rate was higher with XXXX XXXX XXXX now, although we had a direct approval letter with all the terms. We were also told that the purchase tax on the vehicle would be higher if we did not complete the transaction that night as Georgia had just raise the vehicle tax rate to 6 % from 4 %. We didnt want to have to pay the addition tax fees to we waited to verify everything so we decided to move forward. Honestly, I had over looked the conduct of the finance department until we started to get letters in the mail in XXXX. We started receiving denial letters from various banks of which we thought were initially related to our auto loan in XXXX. I was upset about the number of them coming in because we werent aware that they had ran his credit that many times. At some point we realized that these letter were referencing a transaction on XX/XX/XXXX for a XXXX XXXX XXXX. We had purchased an XXXX XXXX, not a XXXX so I called to see what was going on. Initially I was told that it was probably someone who filled out an application online and it could be a case of Fraud. When I asked for a copy of the documents associated with this request, they then changed their tune to The credit was mistakenly retrieved and used for an approval for someone else with a similar name. They then told me that I could just request that the inquiries be removed myself. I explained that I felt that it was their error and that they should be the ones to fix it. I have called and spoke to XXXX XXXX on several occasions to no avail. These inquires are still in my husbands credit and they affecting his ability to obtain further credit. We were attempting to consolidate our credit card debt and have been denied impart due to excessive credit inquiries. We even emailed the general manager through their website in XXXX and did not receive a response. Every time I attempt to call back and speak to XXXX XXXX they say that he is not in, hes on vacation etc.. The last time I called, I was told, the general manager is a very busy man and he does have time to discuss the matter with me, Youll need to speak to XXXX XXXX. Now in retrospect, I feel that they were not telling the truth about the interest rate with XXXX, we were never given any specifics on the details of the new loan terms from XXXX. Honestly we were tired and chalked everything up to them being tired as well. Now that we have been dealing with this secondary situation for a period of months I have come to the conclusion that office frequently participates in unethical behavior and they have on concern for how their actions affect their consumers. I have several questions that I would like for them to answer as well. 1 ) Why was the information still retrievable six weeks after our purchase? Is it standard practice to keep consumer information readily accessible weeks after closing a loan? 2 ) Why were we not notified that our privacy was breached once they realized their mistake? 3 ) Was our information disclosed to the consumer that they thought was my husband? I mean, if they were denied for the loan wouldnt you need to inform them of the denial and discuss it with them? 4 ) Why have they not removed the inquiries from his credit and attempted to rectify their wrong doing? Im truly concerned about the lack of financial safety and security at this dealership. I have yet to have another experience where someone has careless breached my privacy and did not follow through with rectifying the situation. As a consumer, I do not feel comfortable continuing to do business with this company. The is nothing that will make we feel better about them having access to my information given the extreme negligence that I have observed.
05/26/2017	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	FL 34231	Web
On XX/XX/XXXX, I purchased a brand-new XXXX XXXX XXXX from XXXX XXXX, XXXX, XXXX d/b/a XXXX XXXX XXXX XXXX located at XXXX XXXX. XXXX XXXX., XXXX , FL XXXX. Id received a promotional flyer in the mail from XXXX XXXX XXXX XXXX, so I scheduled an appointment for XXXX on XX/XX/XXXX. I met with a salesperson by the name of XXXX and proceeded to provide him with the requested information for the credit application : place of employment, length of employment, monthly income ( {$2500.00} ), etc. I advised that I would like something with a third row as I have XXXX ( XXXX ) children. At the time, I had a XXXX XXXX XXXX XXXX XXXX ( $ XXXX owed ) with an estimated 19 % interest rate. XXXX insisted that I allow him to help me get out of a deal with such a high interest rate into something much newer with a lower interest rate. I was approved for the XXXX at an interest rate of 6.54 % ; however, my car payment would increase from {$510.00} to {$850.00}. The Finance Manager, XXXX XXXX, advised that I keep the car for one ( 1 ) year as this would help reverse the horrible deal Id agreed to on my XXXX and put me in a better position. He advised that in one ( 1 ) year, I would qualify for the XXXX XXXX XXXX and my add-ons would become my down-payment. In addition, this new interest rate would help me to improve my credit as Id expressed my interest in becoming a first-time homeowner. On XX/XX/XXXX, I attended a Homeowners Workshop and received a certificate to be used within one ( 1 ) year for a down-payment assistance program through HUD. I met with VP of XXXX XXXX on XX/XX/XXXX who advised that I try to refinance my car at a 4 % interest rate as my new car debt would prevent me from qualifying for a loan. I went to another dealership on XX/XX/XXXX to see if they could assist me with refinancing. They informed me that they could not help me and it will take nearly three ( 3 ) years before they could. This concerned me, so I requested my credit application from the lender XXXX XXXX XXXX an operating business of World Omni Financial Corp . The credit application submitted to XXXX XXXX XXXX states my monthly income as {$5300.00}, which is double what I reported to XXXX XXXX XXXX XXXX. I left a voicemail message for XXXX XXXX on Monday, XX/XX/XXXX requesting to set up a meeting as I had some concerns. XXXX XXXX called me later that evening and I expressed my concerns regarding the misrepresentation of my income. I advised that I am uncomfortable having fraudulent information on a contract with my name on it. XXXX XXXX stated, XXXX XXXX, if anyone committed fraud its you because you signed the contract. On Wednesday, XX/XX/XXXX, I met with XXXX XXXX and the General Manager, XXXX XXXX. During this meeting, I again expressed my concerns and they told me that they could not fix or change anything because : 1. I signed the contract 2. The deal is done and theyve already been paid 3. They do not refinance vehicles They then suggested that I try to get refinanced through XXXX or XXXX XXXX XXXX if my goal is to qualify for a loan. After the meeting, I called XXXX XXXX XXXX to file a complaint and was told that they would notate my account but my complaint will not be entered on their complaint log as the contract does not have any alterations that red-flagged in their system and they can only go by what the dealership submitted. XXXX XXXX XXXX XXXX changed my income on my credit application to qualify me for a {$52000.00} loan that I would have NEVER qualified for. I know that I should have read each of the numerous papers I signed carefully, but I never expected a reputable dealership to lie about or to me. I expect things like being low-balled on a trade or being upsold in finance but I would have never expected this. I was excited about purchasing my first brand new car and believed that I was making a good decision to further improve my credit worthiness.
03/22/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with signing the paperwork	NC 28227	Web
My brother and I moved from XXXX XXXX XXXX XXXX in XX/XX/XXXX. I had XXXX financed cars at the time and I gave him one of them to use for XXXX work. In XX/XX/XXXX he decides to return to XXXX XXXX and I authorize him to take the car. At that time I got XXXX through XXXX XXXX and it was impossible for me to travel to XXXX XXXX to update the car registration so that my brother could continue working at XXXX. So I contacted a saleswoman from Toyota XXXX XXXX XXXX ( XXXX or XXXX XXXX XXXX ( XXXX ) XXXX ) to see if she could help me exchange the car that my brother had in my name for a new one that came out in the name of the two and so he could do the registration paperwork. After several days, she contacted my brother to see him at the XXXX TOYOTA dealership located at XXXX XXXX XXXX XXXX. XXXX XXXX on XX/XX/XXXX where they began the process of exchanging my XXXX Toyota XXXX and taking the XXXX Toyota XXXX in my brother 's and mine 's name. I sent my brother the photos of all the required documents like my SS, my XXXX license. They made the contract for the document, my brother never saw the terms of the contract, neither did I, and I never received a copy of the contract either via XXXX or via email to sign it, that is, I never signed it. My brother told me that he only signed his part in front of the financier and that he doesn't know who signed for me. The financier that I never knew the name, called me via XXXX to corroborate information with me from this number ( XXXX ) XXXX and later I called him by regular call. Thanks to that, his number was registered in the call record that I have as proof. It should be noted that I agreed with the business but I never signed any contract, neither in person ( I was in XXXX at that time ), nor electronically. I never read or had access to the contract, until recently. I trusted and that was my mistake, I was in a lot of discomfort from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ignored that until I received the first notification from the credit bureau that my brother had late payments. He got sick with XXXX and fell into a XXXX XXXX that led him to use very XXXX XXXX, he currently lives on XXXX XXXX. It was there that I contacted the SEToyota Finance bank and asked for the account number and thus I accessed the online contract. I contacted a financial adviser to save my credit and after explaining how everything had happened, he told me that the contract was invalid and illegal because I had not signed. I ask you to please open an investigation and check through the camera of that day, who or who carried out such negligence. I have some screenshots of the conversation I had with my brother that day asking him about the process and sending him my documents. I also have my account statement from my bank that verifies that I used my debit card at XXXX in XXXX and that I sent him {$1400.00} via XXXX XXXX to pay the down payment for the new car. In addition to having witnesses who saw me on XX/XX/XXXX in XXXX. I also have proof that the supposed signature they used is not the one he used since XX/XX/XXXX, when I changed my name through the naturalization process. Another fact is that in the financing process, they put that I worked at XXXX XXXX XXXX when since XX/XX/XXXX I have not worked there because I moved to XXXX. In addition, the contract was excessively abusive. Since it had guarantees that a new car does not need. I have communicated with the dealer as well as with the SETOYOTA bank to open an investigation for bad procedure and they answer me that the account is legitimate. I have spent more than a year trying to explain the above mentioned that I never signed the contract and I have sent them the evidence that supports me. That's why I think it's unfair that they ignored my situation.
11/01/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	OH 44128	Web
XX/XX/2021 I the consumer and natural person purchased a XXXXXXXX XXXX XXXXXXXX for personal, family, and house hold purposes using my credit card pursuant to federal law ( 15 usc 1602 ) and 16 cfr 433.1 that was completely paid off using my open ended consumer credit plan at XXXX XXXX XXXX, the firm committed fraud by giving me deceptive forms to coerce me into debt which is a federal violation of the fair debt collection practices act, they also committed fraud by not issuing me my lien free title as well as purchase money loan pursuant to 16 cfr 433.1 ( d ) and other proceeds that I have all rights and claims to from my negotiable instrument/ chattel paper being sold to world omni financial corp . I was not given adequate disclosure on how the finance charge was calculated, i was force to pay for gap and other insurance separately. This firm then sold these deceptive forms to world omni financial corp to give the impression I took out a auto loan which I did not. Its almost impossible for me the natural person and consumer to take out any loan when I have a open end credit plan also known as an open end consumer credit plan as defined in regulation Z ( truth in lending act ). World omni financial corp now has the title to my property with liens on them which is a direct violation of the FALSE Claims ACT 31 usc 3729-3733, they also sent a work order to Relentless recovery to unawfully take possession of my property that they had no rights to which is currently still sitting at the repo lot getting ready to be auctioned off for no valid reason. This company is in direct violation of the fair debt collection practices act on multiple occurrences. 15 usc 1692B ( 2 ), 15 usc 1692c ( a ), 15 usc 1692d ( 1 ), ( 2 ), ( 4 ), in addition to the false and misleading representations 15 usc 1692e ( 2 ) ( a ) ( b ), 15 usc 1692e ( 4 ) ( 5 ), 15 usc 1692e ( 6 ) ( B ), 15 usc 1692e ( 8 ) ( 9 ) ( 10 ) ( 13 ) ( 15 ), these are all unfair practices under 15 usc 1692f especially taking my property as stated in 15 usc 1692 ( 6 ) ( a ) and ( B ). I cant pay anymore for this fraudulent loan even if I wanted to due to lack of currency to pay. World omni financial corp also sends me monthly bills and statements threatening /attempting to coerce me to pay violating 39 usc 3005. As a federally protected consumer I demand my title lien free upon receiving this notice and reflect all these accounts as paid off on all consumer reporting agencies. These alleged auto loans are in fact purchase money loans that were supposed to be given to me the consumer in return for a finance charge pursuant to 16 cfr 433.1 which I never received. This company has also sent me multiple repossession notices threatening to take my property which was already paid off via my chattel paper/ negotiable instrument that they has unlawfully sold numerous times which is securities fraud pursuant to 18 usc 3301. I will be seeking litigation for all parties who were involved in these fraudulent activities to the fullest extent. I ask for documentary evidence showing that i owe these debts the installment credit sale contract does not suffice as adequate documentation pursuant to 12 cfr 102.6 ( a ) ( 4 ) ( 5 ) of the details of the security interest. I also already took the liberty of checking the states ucc 11 records showing that I dont owe anyone any debt and it is more prevalent this company is engaging in not stop fraud. Please be advised I do intend of pursuing federal charged on all parties who where included or played a roll in these racketeering offenses and unfair and deceptive practices pursuant to 16 cfr 433.2. In closing please be advised that i am revoking any and all security interest and power of attorney you all may have, I have already sent a copy via certified mail.
08/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33604	Web
Dear CFPB, I am writing this complaint with a sense of frustration and disbelief regarding a blatantly inaccurate account reporting that has been affecting my financial well-being and causing significant distress. The lack of attention to detail and the careless approach by [ Creditor 's Name ] is beyond comprehension. Account Information : Southeast Toyota Finance Account Number : XXXX Creditor : Southeast Toyota Finance Reporting Date : XX/XX/2023 to present date Reporting Inaccuracy : Positive Statement for Due Amounts I have discovered a shocking discrepancy in the way my account information is being reported by Southeast Toyota Finance. Despite the universally accepted practice of representing payments owed as negative numbers, the account statement provided by Southeast Toyota Finance presents due amounts as positive numbers, resembling the format of a check. This reckless oversight not only defies standard accounting conventions but also introduces unnecessary confusion and potential financial hardship for individuals like me. The implications of this erroneous reporting are far-reaching and deeply concerning : XXXXredit Score Damage : This inaccurate reporting has led to an unjustified lowering of my credit score. It is unjust that my responsible financial behavior is being misconstrued as negligence due to such a fundamental reporting error. Lending and Credit : The false representation of my account due amounts jeopardizes my ability to secure loans and credit. It is absurd that my financial reputation could be tarnished due to the sheer negligence of Southeast Toyota Finance. Financial Stress : The confusion caused by this erroneous reporting has resulted in unnecessary financial stress. The effort required to decipher the statement 's unconventional format is both time-consuming and mentally taxing. Resolution Hurdles : My attempts to rectify this issue with Southeast Toyota Finance have been met with indifference and bureaucratic hurdles. It is infuriating that they are neglecting their responsibility to promptly address and correct this grievous error. Desired Resolution : Immediate Correction : I demand an immediate correction of my account reporting to adhere to standard accounting practices. All due amounts should be represented as negative numbers, as is the industry norm. Credit Score Rectification : Southeast Toyota Finance should take immediate steps to rectify the unjust damage caused to my credit score due to their inaccurate reporting. This should be done through prompt and accurate reporting to all credit bureaus. Compensation : Considering the emotional distress and potential financial consequences I have endured as a result of this reporting inaccuracy, I expect appropriate compensation for the troubles caused. Accountability and Prevention : Southeast Toyota Finance should be held accountable for their negligent reporting practices. I urge the CFPB to take measures to ensure that such inaccuracies are prevented in the future, safeguarding consumers ' financial well-being. I have attached copies of the inaccurate account statements, my credit reports reflecting the negative impact, and the correspondence with Southeast Toyota Finance for your reference. I implore the CFPB to take swift action in addressing this matter and holding Southeast Toyota Finance accountable for their grievous oversight. Your intervention is crucial to ensuring fairness and accuracy in financial reporting, ultimately protecting consumers from the repercussions of such blatant negligence. Thank you for your attention to this urgent matter.
09/02/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	AL 362XX	Web
Very recently I was referred to this bureau. Corona hit in XX/XX/XXXX. XXXX XXXX XXXX was purchased using Toyota financing ( SETF ) in XXXX. Every payment of XXXX ( XXXX ) a month was made on time. When COVID-19 hit, there were many obstacles surrounding my family, all due to this virus. I became two months behind. XXXX XXXX. XXXX, I made a payment, which paid XXXX. XXXX I made a payment and a half, which covered XXXX and half of XXXX. I planned to pay 1 1/2 payment in XXXX, which would have covered the rest of XXXX and XXXX. XXXX, Id pay a double, covering XXXX and XXXX. I would do another double in XXXX which would cover XXXX and XXXX. On my dashboard with them I had the option to skip or put a payment on the end of loan, but did not hit this option, my plan would bring me up to date. With no warning or insight, as I was an on time reliable customer, my vehicle was repossessed late in the night during the month of XXXX. My loan was not 3 months behind ( 90days ). I also understood that the finance company ( SETF ) was honoring and helping its customers with COVID relief. This was going to be a blessing, and I was not going to hinder my loan by being put back a month from paying the loan in its entirety. After the vehicle ( my only transportation ) was repossessed, I talked to a financing person at SETF to reclaim my vehicle. They informed me that I would need an amount somewhere close to XXXX to get my vehicle back. This was way more than I owed to date. I asked about my offer on the dashboard and would they please work with me, I had been a good customer for two years leading up to XXXX. I also asked about COVID relief. I was informed that that did not apply to me. Puzzled, I then asked how they would not apply their relief to my loan and why was this offer on my dashboard. I had clearly been affected by this interruption of all the people of this world. How was I not included. I was very much discriminated against. I am still struggling without a vehicle. I lost power after this, cause I was unable to resume work. I also lost internet and phone service and struggled in obtaining unemployment. My husband was at high risk for XXXX, he has almost unmanageable XXXX and at the time was at high risk, the survival rate for his condition was grim according to healthcare professionals. Ive still not received any unemployment. There are XXXX in my household. XXXX adults, XXXX minor child. Due to the abrupt and discriminating actions against my family, I am still unable to return to work. I have no extended family that could help, they have all past away. I only wanted to work and pay my debts to continue purchasing my XXXX XXXX XXXX. I am leaving out that this loan, from the day opened for purchase was not mathematically corrected as I did not want Gap insurance or extended maintenance. They had already figured these options in my loan causing interest to accumulate to their advantage. They would not refigure without these options giving relief to my monthly payments. They continued to tell me it would come off as the loan paid off. With these option included in my loan agreement and remaining throughout the loans entirety, it caused the interest percentage to be configured with a higher amount which would pay them money not agreed upon. Just plain theft. After repossession and sell the money still showing I owe is the money for gap insurance and maintenance, again I did not agree as it was an option. Im sure there are billions taken advantage of by this financial institution. Please help me.
07/09/2019	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	FL 32114	Web	Older American
I am a Identify Theft victim. XXXX XXXX XXXX Financed my car through XXXX I am the owner of the loan and Responsibility and Primary Borrower Account Type : Installment Account XXXX vehicle XXXX XXXX XXXX and have made 63 payments with 9 payments remaining through South East Toyota Finance financed company. Southeast Toyota Finance Date Opened:XXXX. Recently i notice on credit invalid information a New company appeared and Reported on credit false unauthorized information filed on my credit report. I am a victim of Identity Fraud. Please help. Recently unauthorized account appears listed on credit report appear company named WORLD OMNI FIN- RETAIL # XXXX. High Balance {$27000.00} from XX/XX/XXXX to XX/XX/XXXX. I have not authorized this debt and have no knowledge of this company appearing my credit report. and this information reported is invalid. The use of my personal information is distorted I am a Identify Theft victim. XXXX XXXX XXXX Financed my car through XXXX I am the owner of the loan and Responsibility and Primary Borrower Account Type : Installment Account XXXX vehicle XXXX XXXX XXXX and have made 63 payments with 9 payments remaining through XXXX XXXX XXXX XXXX company. Southeast Toyota Finance Date Opened:XXXX. Recently i notice on credit invalid information a New company appeared and Reported on credit false unauthorized information filed on my credit report. I am a victim of Identity Fraud. Please help. Recently unauthorized account appears listed on credit report appear company named WORLD OMNI FIN- RETAIL # XXXX. High Balance {$27000.00} from XX/XX/XXXX to XX/XX/XXXX. I have not authorized this debt and have no knowledge of this company appearing my my credit report. and this information reported is invalid. Current ; Paid or Paying as Agreed Terms : {$410.00} per month, paid Monthly for 72 months. The invalid information appearing is distorted. Misuse of my identy and Social Security Number Misuse and account. I am a Identify Theft victim. XXXX XXXX XXXX Financed my car through XXXX I am the owner of the loan and Responsibility and Primary Borrower Account Type : Installment Account XXXX vehicle XXXX XXXX XXXX and have made 63 payments with 9 payments remaining through XXXX XXXX XXXX XXXX XXXX company. XX/XX/XXXX XX/XX/XXXXFinance Date Opened:XXXX Recently I notice on credit invalid information a New company appeared and Reported on credit false unauthorized information filed on my credit report. I am a victim of Identity Fraud. Please help.Recently unauthorized account appear listed on credit report appear company named WORLD OMNI FIN- RETAIL # XXXX. High Balance {$27000.00} from XX/XX/XXXX to XX/XX/XXXX. I have not authorized this debt and have no knowledge of this company appearing my credit report. And this information reported is invalid. Current ; Paid or Paying as Agreed Terms : {$410.00} per month, paid Monthly for 72 months to ending as paid per contract terms. The invalid information appearing is distorted. Misuse of my identity and Social Security Number Misuse and account to indicate a unauthorized debt to this acct.. I need this amount removed from my account this is not my debt.
01/06/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 31322	Web	Servicemember
My experience with your organization has been a mixture of a grateful " thank-you '' and a pressing request concerning my trade line, in my credit files from XXXX XXXX Toyota Financial XXXX XXXX XXXX, that I would like to have revised, to accurately report my payment history. Pursuant to Section 611 of The Fair Credit Reporting Act, please investigate the following late items that your organization has mistakenly reported on my credit report ( s ). My account number with XXXX XXXX Toyota Financial is : Account Number XXXX 2015 XXXX XXXX XXXX. As discussed, I have been communicating on many occasions about issues with payment transaction issues. Each and every time I have communicated with your organization, I was assured that NO LATE PAYMENT would occur as circumstances beyond my control were wreaking havoc on this situation, and in a timely fashion made sure my payment was gotten to XXXX XXXX Toyota Financial before any derogatory credit deadline. What makes it even more difficult is when I am confronted with such an instance, your back-up payment options are limited, and truly added to the stress of the situation. There are many exacerbating circumstances that caused such hardship ( s ), and confusion with my transactions. All in which were proven beyond my control, that no body truly has a concrete explanation for, and my payment history does not match your payment history ; thus you are reporting the XXXX 30 day late payments inaccurately. I do n't have all the answers, but my virtues are made apparently present by my unwavering payment history, by my extremely high amount of direct communication with you and your team, and by the numerous promises from you all that you understood that my situation was special, and I would NOT endure the devastating reporting of any 30 day late payments on my credit report ( as I was never 30days late. ) With that said, I have been through a long road of hardships. I was injured and am now retired from the New York XXXX, I am XXXX, I suffered a divorce, and a Bankruptcy. I have been working so hard over the past four years and have been re building my credit until now. I also suffer from XXXX. So you can only imagine the stress, the confusion, and the situation of keeping my payment history perfect. I did not pay my XXXX payments 30 days late, I have proven your records are inaccurate compared to the financial institution transactions, I have made sure within days of notification of troubled transactions I got the payment to you by any means possible, and I have shown a high attitude of virtue, by going as far as paying a double payment in XXXX, for both XXXX and XXXX, thus proving I had the funds to satisfy my promise to you all. I am kindly asking for you to please remove these XXXX inaccurate late payments, as I am in the process of getting a new home via my Veterans Mortgage Benefits, and this is affecting my abilities in a serious manner. I thank you again for your kind understanding, for all of the awesome customer service reps whom showed me so much understanding and compassion, and for the opportunity to take care of this issue.
01/25/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	FL 34203	Web
I was a co-signer on a loan with my daughter. Southeast Toyota Finance was the creditor. My daughter totaled the car XX/XX/2018. I made the XXXX payment and the insurance made their payment in XXXX. There was a small balance due in XXXX. I thought the payment was taken care of after I received the original letter. I did not receive any other notification stating it was not paid. The day after the loan was written off, I received a voicemail on my work phone number stating the person was with Southeast Toyota Finance and I needed to call them back. I returned the call the following morning and was told that the auto loan was written off. I paid the balance immediately over the phone. In XXXX, I decided to refinance our house and during the credit pull, I noticed the write off and called Southeast Toyota Finance. I was trying to get the credit removed, as I made the payment as soon as I was told the payment was due and I was not contacted before the write off happened. I was told by the supervisor that there were several attempts, but she sated they just leave the phone number and can't leave a name or who they were with. This is where I have a major issue. First, with fraud happening daily over the phone, they should have to leave their company name, phone number, and who the message is for. Second, why were they able to leave my name, their company name, and their phone number after my account was charged off? If company policy was to not leave any information except the phone number, then it wouldn't have been paid off bc I wouldn't have known to call them in XXXX. When I called in, I thought it was fraud. She was asking me to verify things and I was worried about verifying anything bc I thought the loan was fully paid off. This policy should have to be updated, as it is an unfair practice. I understood they weren't going to help me with the charge off, it didn't matter how unfair their practice was, so I asked them to correct it as it wasn't showing anything but the write off. The new supervisor, XXXX, I was working with submitted the request to update the information. They misreported the information, showing late pays from XXXX on, which was also not accurate. I paid the XXXX payment and then they received the insurance check in XXXX. I called in and asked XXXX about it and she stated that it would hurt me more to have the corrected information because XXXX is before XXXX. Since I work in finance, I knew this was a blatant lie and they just didn't want to deal with fixing it. I told her that wasn't accurate and I wanted it corrected properly. My credit is now showing 2 charge offs, I'm not sure how that is even possible. I tried submitting the correction through XXXX and Southeast Toyota replied to them they reported properly. So, I sent in the page to XXXX showing the 2 charge offs requesting again they submit the correct information. I gave a month to correct the issue and they did not correct it. At this point, my credit is affected and it is what it is. I would like their policies updated so this doesn't happen to anyone else who uses their financing.
02/03/2023	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 346XX	Web
On XXXX XXXX XXXX XXXX I went to the dealership XXXX XXXX XXXX XXXX ( my mother accompanied me ) with the intent of looking at vehicles and possibly leaving with one seeing as how I had my learners license and was looking forward to gaining experience with driving and owning my own vehicle. I spent a while there looking at different vehicles and eventually found a XXXX XXXX XXXX that I was very pleased with. That day I signed all necessary paperwork, placed a {$2000.00} down payment on that car and issued insurance for it as well. I continued to make monthly payments of {$280.00} for the vehicle and insurance payments of {$290.00}. I made the payments up until the month of XXXX in the same year. This was the very same year the XXXX broke out in which I was heavily impacted. I actually lost employment due to the company I was working with letting me go since they reduced hours ( I was rather new and only had been working there for a few months which resulted in me getting fired ). Any payments I was able to make on the vehicle and its insurance were partial ( {$280.00} on the car and {$150.00} on the insurance ). XXXX was incredibly difficult for myself and my family especially since I could not get a job for a period of time due to quarantine instated. Because of this, and my priority to pay other bills such as rent and utilities, I got behind on my car payments. I did get the vehicle repossessed in the months that followed and continued to struggle during the XXXX years. During XXXX XXXX XXXX I made an appointment to the XXXX in order to complete my drivers exam to finally get my drivers license. To my surprise I was notified by an associate that my permit was suspended due to the XXXX XXXX XXXX account still showing on my credit. This was beyond upsetting to hear since I was told to provide the notice of my vehicles repossession ( which I didn't ever receive-either phone, mail or email ) or pay the fee of {$150.00} to move on through. Since then I have tried to contact the company in order to retrieve this document and have had enormous difficulty in obtaining it. After dozens of calls made over a span of days ( I kept getting transferred to departments that could not help me or collections ) I was able to get in contact with an individual from Southeast Toyota Finance who set up the repossession document to be faxed over to me. I gave my fax number and was told that it was come in 24 to 48 hours. I waited of the document to come through and it never did ( which was frustrating since I had to contact the same company Southeast Toyota Finance ( SeTF ) again and ended up making dozens of more calls to the same place ). Because of this I still can not complete my drivers exam and still have the vehicle on my credit which was, in fact, repossessed and not in my possession at all. The car was stolen from me and was not repossessed pursuant to law. This company has defamed my character by allowing furnishing of this repossession on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
01/20/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	FL 33607	Web
I recently filed a complaint related to this ; I should state that this is a follow-up complaint to the complaint # : XXXX The company contacted me and verbally stated that they would be willing to close out the case for ( something around ) {$360.00} and that they would make it so that it didn't show on my credit report, as I suggested as a reasonable solution in my previous complaint. I asked them to send this to me in writing along with the proof of why I owe this money and they agreed. The letter I received in the mail from them said they would be willing to close the account for approximately the amount stated above ( {$360.00} ). I don't have that letter with me at the moment, which is why I am estimating. They did not provide any evidence of the amount owed or agree to remove this remark from my credit report as they initially told me. So I called in to request that they make the correction and send me the letter with the wording and documentation as previously agreed upon. The representative that spoke with me told me that as a company they do not remove anything from the report so they don't know why the previous representative told me they would. She asked if I would like to pay the amount and close the case, to which I declined until the conditions were met. I told her I would write to the Consumer Financial Credit Bureau again regarding the matter and she suggested an alternative. This was to allow them to perform a case review which would take " up to 5 business days '', and asked me to call back then to see if they could do anything else. I agreed and called back 5 business days later, just before writing this, and told me that there was nothing noted and to try again tomorrow. At this point I have spent more time trying to get to the bottom of this and resolve the amount they claim they I owe them than is worth that hypothetical dollar amount. I say hypothetical because they haven't once provided me any proof that I owe them anything. It was just a number that they presented without any proof. Let me repeat this, there has been no evidence of the amount they say I owe them presented to me, and not only are they insisting that I owe them, but it is showing up as a delinquency in my credit report. Since I hadn't previously been too aware of the effects of my credit, I didn't realize how much it had effected me. When I bought my last car, the rep told me that if that hadn't been on my report the interest on that loan might've been close to half of what it was. Meaning this could've cost me hundreds, if not thousands of dollars over the past 3 or so years. Upon further inquisition on credit reporting, I was also told that paying the debt just to be done with it ( even if I didn't owe the money ), could change the status and cause it to remain in my credit report for 7 years from the date of the change of status. I don't think it is a fair outcome given the circumstances I have delineated in this and the previous complaint.
11/10/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NC 27614	Web
On XXXX XXXX. I submitted a 2nd attempt for a payment extension. The 1st one I didnt get any email or confirmation of submission so I submitted again on the XXXX. I submitted a payment extension via online with my financing company Southeast Toyota. The email after submitting the request stated that I will hear a response in 3 business days. I hadn't heard anything ; which was unusual, because in the past when I had requested one. I would just pay a prorated amount and then my payment would be extended. No red tape, no documentation requested, no reasoning or purpose of the extension requested..nothing. I went today to verify since it has been past the 3 business day time frame. I noticed that they left a message in the secure message of their website. The following showed where I submitted the request at XXXX and it was canceled the same day at XXXX. No explanation! Just indicating if I wanted to request another to call their number and the working hours. So I called because I wanted to know why it was canceled. I spoke to a representative XXXX. She thoroughly explained to me that it was under " review ''. That when its under review that they have to take a look at it. She stated because I had two previous extensions. One in XXXX and another in earlier in XXXX. I have only two months available for the life of the loan. So I asked " What do you mean I have 6 months over the life of the loan ''? I don't recall reading that in my promissory note. Nor was it ever disclosed to me when I submitted the other two extensions with no hassle. I asked her where was this stated as I have never heard of this policy. I asked her could she send me the prom note where it states this. I was put on a brief hold for her to come back and say " it's not written anywhere, it's a courtesy ''. I explained how was I supposed to know of this courtesy if it was never explained or disclosed during the previous two extensions. You have no record of my previous hardships whether it was covid related, income or health hardships. Yet I am told when I need help this it is my very last opportunity to get an extension. That's very deceptive and misleading. Also a regulation issue as it was not disclosed in any manner written or verbal. I'm highly upset as I am currently experiencing a hardship and to be felt like I have been put into a corner because of information I was never given. For someone who pays well over the minimum payment amount every month. I have never been late and I am approaching year XXXX on my vehicle this XXXX. As someone who works for a financial institution and is very familiar with auto lending as well as audit regulations and unfair practices. I had to make a complaint because I am sure others who do not know there rights have been harmed in there unjust practices.
07/27/2018	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	SC 295XX	Web
I leased a car from XXXX XXXX and in XX/XX/XXXX, I traded the lease to purchase a pre-owned vehicle. Knowing that I owed extra money for a few remaining payments, extra mileage and a few minor exterior issues, I pre-paid the extra fees at the dealership upon the purchase of my vehicle in XX/XX/XXXX. The dealership assisted me in figuring out the charges and I paid a certain amount down and the rest was rolled into my finance agreement. It was almost {$2000.00} extra that I paid back in XX/XX/XXXX to take care of any outstanding charges from the lease that was turned in and it was my understanding that when I left the dealership that day, that everything was taken care of since I pre-paid all fees to XXXX XXXX. I received zero correspondence until XX/XX/XXXX/XX/XX/XXXX, over a full year later until I was in the hospital fighting for my life with XXXX XXXX XXXX XXXX XXXX XXXX. I received a phone call from XXXX XXXX at this time, while I was still admitted to the hospital, that I owed them almost {$800.00}. I explained to them that they should have taken that up with the dealership who had received the money over a year ago and I had no idea there were any issues/outstanding payments. I explained to them my health condition but that I would try to get to the bottom of it as soon as I could. Not even a few days go by and I'm still in the hospital and receive a call from XXXX XXXX stating that the matter was now in collections. I explained the whole situation to them and that the dealership had the money since XX/XX/XXXX when I paid it then. I also explained that I was in the hospital but would try to figure out what was going on. They said no problem and were going to give me 2 weeks to figure it out. Unfortunately a couple of days later, XXXX XXXX put a charge-off on my credit without checking with the dealership or giving me time to figure it out. If you look at my entire credit report, I am never late and pay all of my bills on time. Even this very account, which is listed as World Omni on my report, was always paid on time, never late. Then, mysteriously in XX/XX/XXXX, there is no data for the entire year on this account on my credit report, then a charge-off goes on there XX/XX/XXXX. None of this makes sense and I've tried to communicate with XXXX XXXX who admits to getting returned mail and having completely incorrect contact information for me, but will not agree to take this off my credit and make things right. Due to massive medical bills and student loans, I can not afford a lawyer regarding this right now. I don't know what else to do, I have exhausted all my efforts and have worked very hard for 18 years to keep my good credit. I feel very defeated and frustrated because there is nothing I can seem to do to get this corrected. Please help!
03/17/2017	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	FL 34744	Web
On XX/XX/XXXX I bought in XXXX Toyota a used car Toyota XXXX XXXX, the purchase was made through a loan ( Toyota XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and I purchase too a XXXX insurer ( XXXX ). I adquire a insurance through XXXX policy number : XXXX. On XX/XX/XXXX, I suffered a car accident in which I was not guilty. The claim number is XXXX On XX/XX/XXXX, the car was declared total loss and since then I have had multiple problems with both the lender Toyota and the insurer XXXX. XXXX declared that the market value of the car was {$10000.00}, but XXXX disccount {$380.00} storage deduction so they only pay {$10000.00}. In the XXXX contract agreement appear : " CAR STORAGE AND COVERAGE : We will pay up to a reasonable and customary daily rate fare for the cost of storage of the insured auto in the event of a loss to the insured auto for which coverage is provided under this Part. We will pay no more than {$400.00} total for the cost of storage of the insured auto under the section. '' According with Toyota at the crash day the payoff was {$15000.00} Since the accident day Toyota has not stopped calling me or sending me letters with threats of damaging my credit record unless I pay the remaining balance of the loan, even I sent a email trying to explain the situation but I have never receive any answer or consideration. XXXX took more than a month to deliver the payment of the vehicle, according to Toyota 's information the payment was received on XX/XX/XXXX. On XX/XX/XXXX, I try to contact UnitedAutoCare, the insurance company that was the original contract agreement but I received the information that the new owner of my contract is XXXX XXXX XXXX XXXX without any notice to its customer. Finally I contact XXXX and under its policy only covered a part of the remaining balance of the debt. For them the remaining payoff amount is not the {$15000.00} instead they say that the amount is {$14000.00} and they discount differents items to produce a payment of only {$2800.00} so I should to pay to the lender the difference of the payoff loan for {$1600.00} I visit the web site of XXXX and in the brochure that I attached to this email appear a very interesting example : In the second page " How XXXX works '' give me the reason of my claim, they should to pay the difference the value market and the loan. So Im in the middle of the firing line of the companies that use the math in your favor. Additionaly I did not receive a pennie for the claim of loss and wage during my excuses work, so I had to arrange between different jobs and charity of my friends. I hope someone could give me the orientation to what I can do to finish that issue. Thanks
04/09/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	NC 27870	Web
On XX/XX/XXXX I received a car loan from XXXX XXXX. On XX/XX/XXXX World Omni Affiliate issued a credit for XXXX and recognized the error on the overcharge and gap mistake.They advised me to keep the letter so credit could be issued in case they didn't correct the problem. On XX/XX/XXXX I noticed paint chips on the door and hood I reported it unfortunately I wasn't in possesion of my contract it was in one of many file cabinets. The dealership XXXX XXXX XXXX stated it wasn't on the service contract. That was untrue It was on the manufactured sticker for XXXX and XXXX for the pinstrip protection plan as well as manufactured warranty.I followed up on plans and services with the XXXX XXXX XXXX they stated only plan that was covered was the Power Train Warranty that plan is already a standard plan for the XXXX XXXX XXXX miles they doubled billed me. On XX/XX/XXXX I asked about the plan first thing they stated I could get a refund. According to the representative of XXXX XXXX XXXX no refund has ever been given. I shared the information with the XXXX XXXX XXXX they then stated we changed ownership and those plans are no longer valid I asked would they like to here it from XXXX XXXX XXXX XXXX or XXXX XXXX on speaker phone they declined. I asked for an updated copy of the contract the figures were in correct although it resembled the conditional offer. None of the math was correct, No services were no longer vailid because they stated due to change in ownership. Failed to write a lawful contract with the XXXX showing credit. XXXX XXXX failed to investigate after constant messages and certified letters. Two trips to the dealership to get a lawful credit and resolve the issues because of the overcharges failed to honor the terms of the contract. North Carolina Law says this is a breach of Contract as well as the American bar association. I have letters dates and times and three different contracts to show just cause. The company simply refused to address the issues. I declared the contract breached after legal advisement based on facts. Returned the vehicle with full month payment on XX/XX/XXXX to XXXX XXXX in XXXX XXXX to try to work on settling the issues. XXXX XXXX stands by a breached contract even after receiving a letter for credit and warranty issues. I've also issued a formal complaint with Omni Financial corporation an affiliate that wrote the credit letter no lawful action has been addressed on there very original contract states it can be rendered invalid if there agreement has not been kept or my agreement has not been kept. All services had been completed all ageements on payments have been met until it was a clear breach of the contract.
01/15/2019	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Denied request to lower payments	FL 32210	Web	Servicemember
On XX/XX/XXXX I went to XXXX XXXX XXXX on XXXX XXXX XXXX, XXXX FL XXXX, I went in to redeem a coupon for a prize I may have won. I received the flyer in the mail. I spoke to a salesman by the name of XXXX and he said I did not win the prize but asked if I was interested in a new car. I told him that I was not due to I have a XXXX XXXX XXXX.however I told him that my credit was probably not good enough for a newer purchase and that I did not think I could qualify for the car because of other debts. I told him I was paying on a XXXX XXXX. The salesman said that if I wanted to get rid of my current automobile a XXXX XXXX XXXX, I could do so by Voluntary repossession. I was talked into that. Not knowing what he meant till he explained in detail. I asked what he was talking about because I never heard of this. And he assured me that Yes, I could do that. He took me to the finance department and we sat down with a finance professional who showed me how I would be able to pay for and still maintain good credit. I selected a car a XXXX XXXX XXXX and began to sign the paperwork. The salesman told me that I could also get a {$100.00} referral bonus, so I suggested my brother. When I brought him in, the same salesman and the same finance person said he would need a cosigner, and asked if I could sign for him. ( my Brother ) I told the finance guy, that I did not think I could based on my outstanding debts, including the new car that they just sold me. They did tell me that it would be alright and that I could co sign with no negative effects. So my brother bought a XXXX XXXX XXXX. I never did get the {$100.00} referral bonus. So we both drove off of the lot with new vehicles and new debt. The next day, I called about the voluntary repossession to XXXX XXXX XXXX that I use for my banking, personal loans and the XXXX XXXX XXXX. When I talked to them about the voluntary repossession they stated that there were NO benefits to that. As a matter of fact, they stated that I would lose : My banking privileges They would close my account I would be classified as a bad risk I would owe the complete balance of the car I would owe the complete balance of two personal loans that I have And a negative review to my credit report. I was not only shocked, because of what the dealer told me but now I can not return the vehicle nor afford the payments of multiple vehicles. That was explained to me that would work in their fashion. but have since fallen into a deep XXXX as a XXXX member of the military, I NEVER thought I would be impacted this way by purchasing a vehicle. Release me from the Lease of the XXXX XXXX XXXX. Refund my down payment.
09/07/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	AL 362XX	Web
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, XXXX failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately. Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately. Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do not require subrogation of the bond to settle the charge. On the date XXXX/XXXX/2022 XXXX XXXX, agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
03/24/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	SC 29609	Web
My son and I shopped for used vehicles at Toyota of XXXX in XXXX of 2012. I consider myself somewhat knowledgeable and am ashamed I fell for their tactics.We were pretty forcefully directed to new cars and repeatedly advised that was the best deal as it was XXXX sale. No one could advise on the price or pmt of a vehicle without talking to the finance guy. When he ran the numbers he advised the only way we could qualify was on a new car due to the " sale ''. Before I knew it he had the contract up and when I questioned the pmt which was much more than I was led to expect he explained that the only way we could get the car was to have all of these extras added on. Gap Plan, Service Contract, Maint plan, Tire Hazard and Dent repair.The car was for my son who to make the pmts and the pressure was unbelievable! I advised he could n't make the payment and he said this was the only chance to get a car due to credit issues and tomorrow the " sale '' would be over. We signed. After getting home i called and spoke to a few people in the car business who explained that what they did to us was illegal. I immediately called and advised them of what I was told and they brushed me off. I had a friend in the business call and talk to them on several occasions. I threatened an attorney and advised I was bringing the car back and leaving the keys. After repeated pressure and talking to main headquarters i still wanted to bring the car back but they advised I couldnt but they agreed to redraw up the documents as they had to admit we were right - we could n't be forced to have all of the extras in order for them to finance the car. We were threatened at that time that now we may have to provide other financing or immediately be repossessed since Toyota would only finance with this deal due to our credit. We had to wait and see. After a month a new pmt book came with a reduced pmt. I was between a rock and a hard place on this car at this point and hoped they would just take the car back. I feel we were the victims of predatory lending, intentionally misled and strong arm tactics in this sale. The car was repossessed after my son lost his job and we struggled for 3 years to maintain pmts. I had all intentions of paying as I felt my ignorance played a part in this as well. After the repossion Toyota refused to work with me even after my financials provided to them showed I had less than XXXX extra per month towards a repaymentt of the difference in the sale of the vehicle. I have both sets of documents in my possession showing they had to change the terms that I called them on in the initial sale. I have attached.
11/03/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	FL 33880	Web	Servicemember
I have been out of work on XXXX for a year and I have managed to get all my payments caught up until XXXX when Hurricane XXXX Came and I was without power and displaced 3 1/2 weeks.My XXXX bill was due on XXXX XXXX. I reached out to Southeast Toyota Finance on XXXX XXXX, XXXX asking for an extension for XXXX and was informed that they were no longer giving free extensions for hurricane victims as of XXXX XXXX. I informed the customer service rep that I receive a XXXX check on the XXXX of each month and I would not be able to pay the extension payment until XXXX XXXX. Even after informing SETF of my current situation ; I harassed with collection calls everyday until XXXX XXXX, XXXX ; On XXXX XXXX, I asked the rude customer service associate if I could to speak to a Manager regarding the written ceases and desist that is associated with my account. I I was told by the manager that I did not have a request on record. Exasperated I stated to the manager once again my intentions of obtaining an extension on my account once I received my XXXX check the next day. When I attempted to request the extension online, I received an error message and was instructed to call customer service. I called customer service on XXXX XXXX, XXXX @ XXXX XXXX and was told that, now since my XXXX bill has become due I am unable to get an extension for XXXX!!! XXXX must be paid in FULL they were willing to give me an extension on XXXX bill which is only 3 days past due. I am a XXXX veteran and I have been with Southeast Toyota almost 6 years and they are terrible to their customers. Sometimes life happen and bad things happen to good people ; the customer service reps make you feel horrible, they make you want to give up throw in the towel and the VEHICLE and not pay them another blood and tear stained dime. I am sick of the Harassing phone calls all day and if I speak to them today they will still call me right back the next or every two days regardless of what you thought you had resolved on previous conversation with the previous associate. They create barriers for customers to pay off loans I asked for documentation of my past extensions and agreements because you are unable to obtain information online and they send nothing in writing by mail verifying the transactions and agreements, my payoff amount has not changed in a year after almost 6 years there should be a much higher amount applied to my principle and there is no one to discuss your account with because the harassing callers do n't have access to your account or payment history they are just collectors.
07/11/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	FL 33431	Web
Re : XXXX reporting derogatory inaccurate information to credit bureaus without prior written notification. XXXX XXXX Debt not reported by XXXX Dear XXXX : Im a physically handicapped person who pays bills respectfully upon receipt by USPS every month in a timely fashion. I have been a customer of Southeast Toyota Financial for more than a decade and until yesterday never had any problems. Although that XXXX did not in fact send me any bills or past due billing notices by neither USPS nor by email, but rather reported inaccurate statements to my XXXX credit file as of yesterday. They, XXXX, have not in fact been providing any written notification or communication whatsoever to myself, the customer who currently has made all payments to the current date. Rather than acknowledge all of my own written and verbal conversations with their representatives with regards pertaining to their false, derogatory and slandering information they reported to my XXXX credit bureau. Theres nothing in writing as well to at least provide a late notice warning to make myself, the customer, aware that they are going report to the credit bureaus if my account doesnt have current status. Not only did XXXX never send any monthly paper statement or electronic statement, they actually had the audacity to report that I had personally requested electronic billing which I have never done so in more than a decade as a customer of XXXX.Not only did I make them fully aware of my intentions to send two months of payments simultaneously for XXXX and XX/XX/XXXX, but that payment was received and processed by XXXX before I had even received any notification from my credit bureaus until just now. I have numerous correspondence with XXXX in their website messages and have had been treated unprofessionally with hostility when speaking with their representatives about this situation. I have initiated disputes with all bureaus and I just wanted you to be aware of the situation. Finance companies are obligated to notify their customer if theyre going to refer them to an outside credit bureau or third party company prior to submitting negative and derogatory information. This is part of the FTC and unlawful and deceptive trade practices.I have never been treated with such unprofessional customer service from XXXX or any other during my time driving and if their company had sent their required paper statements every month as always, this would not be an issue. I will send you all correspondence in an attachment and hope that something can be done to resolve. Sincerely yours, XXXX XXXX XXXX
12/09/2023	Yes	Vehicle loan or lease Loan	Repossession Lender trying to repossess or disable the vehicle	GA 31909	Web
Yesterday, XX/XX/XXXX was atrocious the lack of respect for those battling invisible XXXX like myself was monstrous. Tuesday, XX/XX/XXXX I spoke with two different XXXX My church called Omni and made an agreement to pay. Due to me being in an emergency crises it was communicated XXXX XXXX had to pay by XX/XX/XXXX or my car would be transferred to an auction location closer, so I could get my stuff. I spoke with XXXX which an after hours operator at XXXX am on the XXXX or XXXX due to desiring to get my car. I spoke with a plethora of people. However, at XXXX XXXX a supervisor called me and expressed he couldnt bring me the car. I had to contact XXXX ( XXXX XXXX XXXX ). I called him after Wednesday to report that I couldnt make it due to no money. XXXX stated it would be in my best interest to pick the car up Friday at XXXXXXXX XXXX which is Friday. Upon arrival security and supervisors were not prepared XXXX XXXX triggered me. My son and I had to rush to our XXXX. The trip up was {$110.00} plus tip. There are so many issues when my car was picked up I had just got an oil change and due to the transmission leak. I was encouraged to get oil changes. My car has XXXX miles, but I had got an oil change XX/XX/XXXX the mileage was XXXX miles and the anticipated oil change date was XX/XX/XXXX. My XXXX XXXX XXXX son was with me. He looks XXXX. THE MAIN PROBLEM IS THEY USED THE LOW XXXX to get back at me for the misunderstanding. XXXX XXXX called XXXX XXXX where she escorted me over to redemption. Then, XXXX XXXX answered my question inappropriately. Then, a XXXX woman that they wouldnt give me name appeared. She treated me horrible. The lady says she can whoop my XXXX and charges at me. I got in the boxing stance to let her know I wasnt scared. After my exchange XXXX tries to calm me down, but it isnt working. XXXX XXXX expressed that his mom has XXXX but she can controls hers and doesnt spit on people. I didnt do it intentionally I told my medicine and I was spraying it and I was praying. XXXX XXXX was the supervisor. I had an emergency tooth extraction, my son didnt have on a coat on, and no money. XXXX should have did what he needed and Toyota Omni. It was expressed that it was never reported that there was a lien release and taking the car. I have been sick all day until the present moment of XXXXXXXX XXXX and this was done in front of my son. XXXX didnt tell me no kids. He said I had to have a license and the drivers plate. Now, my car is off and in the hood at XXXXXXXX XXXX, so if someone steals what left of my car then what?
09/23/2022	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	NC 27858	Web
I have been trying to get my title for my car since I paid it off in 2020. I received a letter from Southeast Toyota Finance on XX/XX/2020 stating my account was paid in full. The letter stated that the state would provide a paper title to the address indicated on the paid in full documents. I never received my title. I have spoken with Southeast Toyota Finance on numerous occasions, as well as speaking with their parent company World Omni Finance Corp. On XXXX I spoke with XXXX who said he found " errors in the title release, error response from state : XXXX '' There were two errors on XXXX and XXXX. He said it should take a couple days to release my title. I called and checked with XXXX XXXX and XXXX XXXX and they said the car was still titled to World Omni Finance Corp. I called Southeast Toyota Finance again and spoke with XXXX on XXXX and got a case number. They " escalated '' the title release and said it should take 5 business days to release. I called XXXX XXXX and they said the title was still held by World Omni Finance Corp. I called the company back the following week and spoke to XXXX on XXXX and was told my title had been " released '' and that I should contact the XXXX -- when I contacted the XXXX XXXX and the XXXX XXXX the following week, they said the title was still held by World Omni Finance Corp. I was instructed to send my lien release letter to XXXX XXXX to receive my title -- XXXX XXXX sent the lien release letter back saying they needed more documentation and a " lien release notarized form. '' I was then instructed by XXXX XXXX to contact XXXX XXXX to get my title. I contacted XXXX XXXX and they said to send the lien release letter to them to receive my title. I did this and the state received the letter on XXXX but I still have not received my title. Since XXXX I have moved states, from XXXX to XXXX XXXX, and I have been unable to register my vehicle in XXXX XXXX without a title. My XXXX registration has expired because I no longer have XXXX car insurance. My vehicle, which I have completely paid off is now un-drivable because Southeast Toyota Finance and their parent company World Omni Finance Corp have refused to release my title. I called XXXX XXXX on XXXX and spoke with a representative who said the car was still titled to the parent company World Omni Finance Corp. I tried to call Southeast Toyota Finance again yesterday, XXXX and spoke with XXXX XXXX and in the middle of the call the line got a busy tone and then the call ended.
01/28/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	FL 33064	Web
XXXX XXXX XXXX Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent XXXX attorney in fact, so be it. Whereas I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. Fact, XXXX is aware and has proof in attachment labelled as Exhibit A that XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOUTHEAST TOYOTA FINANCE is in violation of 15 USC 1605 ( a ) ( c ). This transaction included a finance charge and the finance charge includes insurance which protects the creditor against the obligor 's loss, and or property damage. XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOUTHEAST TOYOTA FINANCE, did not include my insurance in my finance charge. Fact, XXXX is aware and has proof in attachment labelled as Exhibit B that XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOUTHEAST TOYOTA FINANCE is in violation of 15 USC 1605. A finance charge is the sum of all charges in a consumer credit transaction and it does not include cash, XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOUTHEAST TOYOTA FINANCE, in fact XXXX cash as shown in attachment labelled as Exhibit B. Fact, XXXX is aware and has proof in attachment labelled as Exhibit C that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOUTHEAST TOYOTA FINANCE, in fact called my telephone over 19 times with the intent to annoy, abuse or harass me, under the provisions of 15 USC 1692 ( d ). SOUTHEAST TOYOTA FINANCE, in fact called me numerous times in an attempt to collect a debt. Fact, XXXX is aware and has proof in attachment labelled as Exhibit A and Exhibit B that XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOUTHEAST TOYOTA FINANCE, is in violation of 15 USC 1611. XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOUTHEAST TOYOTA FINANCE, willfully and knowingly failed to provide/ disclose information required under the provisions of 15 USC 1601. They are now civil and criminally liable.
11/04/2020	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Termination fees or other problem when ending the lease early	NC 28025	Web
On Monday, XX/XX/XXXX I turned in my XXXX XXXX XXXX leased from XXXX XXXX prior to my lease termination date of XX/XX/XXXX. The vehicle was clean, free of damages and was serviced according to my lease agreement. My mileage at the end of the lease agreement was XXXX miles. I contacted XXXX XXXX about my end of lease options and was informed I would receive this in the mail. Upon my receipt of the billing I called XXXX about forgiveness of the end of lease fees since I turned the vehicle in early and they said they couldnt don anything about the end of lease cost even though they got the vehicle back early and I paid the final XXXX payment due on the vehicle. I even inquired after the pandemic struck the USA would they work with me to forgive the end of lease fee they refused. It appears at the end of XXXX they offered me to pay a lesser amount than the original {$400.00} they requested after I asked again to be forgiven the end of lease fees. I had been having some financial struggles and also dealing with XXXX for XXXX XXXX and subsequently XXXX XXXX to my XXXX XXXX. I felt that XXXX was not fair in their dealings with my request especially when they got the vehicle 30 days early and I paid the last month lease agreement of {$510.00}. Subsequently they sent my end of lease payment to XXXX a collections agency for the {$400.00} end of lease fees and reported a charge off to the credit bureaus saying I refused to pay the end of lease fees which was not factual as I had been in contact with them as agreed in my prior communications up until XXXX when I went to NY to deal with my XXXX in my XXXX resulting in XXXX. Now that Im home I contacted XXXX asking them why they reported a charge of to the credit bureaus damaging my credit unfairly when I had communicated with them throughout XX/XX/XXXX to XX/XX/XXXX. I also paid XXXX the credit collection agency {$300.00} based on an agreement around XX/XX/XXXX. I only found out about the charge off because I was now able to purchase a vehicle after getting out of debt since the pandemic and did not repurchase from XXXX because of XXXX poor customer service with my end of lease treatment.upon further reviewing their site I found this on their website dealing with end of lease options. Furthermore All my payments to XXXX were never delinquent that required my being reported to the credit bureau so why would I mess my credit at this juncture. Please see attached documents to support my claim.
04/14/2020	Yes	Vehicle loan or lease Lease	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA XXXXX	Web
CFPB Complaint Number : XXXX This complaint is to World of Omni Toyota leasing my XXXX XXXX XXXX. Last year I claimed bankruptcy attended court on XX/XX/XXXX in XXXX XXXX XXXX Florida. The court discharged on XX/XX/XXXX. Per my attorney XXXX XXXX XXXX in XXXX XXXX Florida, they stated all credit cards which that was suppose to be the only thing I was discharging NOT my mortgage or car payment. However he stated all had to be included and monitored and after I will resume back my mortgage and car lease on my credit history. I have to state I never missed or was late paying my lease. After my discharge I noticed on XXXX XXXX which I get monthly to see how my credit score was. I checked in XXXX, XXXX. It was around XXXX or so and it looked as if my credit was going up a few points each month. However when I checked again XX/XX/XXXX my score dropped 60 points. I was confused and I called Toyota immediately and explained why did my score go down when I pay each month on time. They could not help me to answer the question. I later on looked at the XXXX XXXX and notice in RED that the amount of my lease was {$7200.00} appearing as it was put on my credit history as a loan and not INSTALLMENTS. I called Toyota several times to explain it was incorrectly submitted wrong and it made my credit utilization go up in which it caused my credit score to drop drastically. No matter what I said they were not able to help me or understand, maybe because I did understand why myself how to explain. I called again this year XXXX in XXXX XXXX to Toyota. After speaking to a friend that make it clear to state it was suppose to be installments not credit on my credit report. Toyota still were unable to help this situation to be fixed. Per my past history of years before my bankruptcy my credit report was good for many years however I was unable to continue due to sickness I had no choice to write off my credit cards have always paid on time on all my credit cards At this present time I do not have the exact dates that I called Toyota but I know they will remember this because I did call at least 5 times and I sounded familiar to them with this situation. If I need to get the dates of the actual calls I will have to go into the history of my XXXX cellphone and track the dates which is time consuming but if needed I will attempt to do so. Thank you very much on assistance to this matter. XXXX XXXX
06/29/2021	Yes	Vehicle loan or lease Lease	Managing the loan or lease Loan sold or transferred to another company	FL 33331	Web
Southeast Toyota Finance ( SETF ) XXXX XXXX XXXX XXXX XXXX Lease Term : XXXX mo / XXXX mile per year Lease start : XX/XX/2019 SETF has recently enacted the inability for 3rd party dealers to buyout XXXX vehicles from lessees, citing the pandemic shortage of vehicles for their network dealers and forcing us lessees to only work with same network of XXXX dealers for a buyback or early termination if we are unsatisfied with the XXXX dealer buyback offer. Early termination would result in a penalty, too. Unfortunately, I am finding myself in a hardship where I can not continue to make the lease payments for the vehicle, and as a result, did begin my search with dealers like XXXX, XXXX, XXXX, XXXX, for a 3rd party buyout and was pretty happy with the offerings received as it would make me whole given the circumstances I'm seeing now financially - however, this was only to be met with my initial info above from SETF during processing of the buyout where it can not be completed due to their recent restrictions. In doing my due diligence, I met with the local XXXX XXXX dealer and was offered substantially less than the 3rd party offers, placing me in a negative/upside down stance versus the current lease payoff amount, and where I'd ultimately end up in collections if I were to agree to the XXXX dealer buyback as I simply can not afford to pay it over other necessary means at the time. I personally feel I am being forced into collections and a negative credit reporting transaction, all due to a recent stance XXXX has taken on their agreements with their lessees, but ironically enough does not apply to XXXX vehicles which SETF oversees, as well. Also, this stance they are taking is well beyond our lease agreement beginning XX/XX/2019. SETF refuses to work with me and/or the 3rd party to sort this through continuing to cite the pandemic and in a lack for words, not blatantly saying their choosing profit with XXXX dealer only buybacks for their then resale, over a struggling consumer now just trying to stay afloat and keeping a longstanding customer. We're all impacted by this pandemic, and there's no reason for a corporation to flip the script and take advantage of current lessees for their own profiting at my despair, when we all can win-out in the lease payoff satisfied in full by the 3rd party and me not going into collections/repo/adverse credit reporting. thanks in advance!
05/01/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with signing the paperwork	FL 32277	Web
On XX/XX/XXXX I went to Sun Toyota to see about trading my car in. I was informed that there was a vehicle shortage and all they had coming in was the XXXX XXXX. I was looking at a used XXXX XXXX also, but was informed that they would have to pull my credit more than the 4 times I agreed upon ( initial, XXXX XXXX, Southeast Toyota, and XXXX XXXXXXXX, I had a pre approval for them already ). I decided on the XXXX since I did not want my credit ran too many times as I explained I wanted to buy a house this year. Well so much for that because they ran my credit 22 times and the reason I was told is that they made a mistake in the initial paperwork and they had to fix it and reapply for credit. When I went in to sign on the XXXX, I was told that they had to remove the GAP, service warranty, etc because the bank would not finance the loan for that amount. I honestly didnt want the car anymore and told them since they had ran my credit so many times I might as well get what I really want. About a week or so ago I was on the Southeast Toyota site and came across the contract. I opened it and immediately noticed the date signed was the XXXX and the signature was not mine. I then pulled out my copy from the XXXX and noticed the amount is the same, but the numbers are changed in some spots. Now Im questioning the whole thing. I spoke to the general manager and he agrees the signature does not match, but stated the bottom line is still the same so he dont know what I want to do. He did offer to write letters to fix my credit, but that is only after I brought this grad issue to his attention. Initially I was given a card to call some credit repair agency to fix my credit myself. The initial loan on the XXXX was for the same price with warranty and when I went to sign on the XXXX they told me the only change was that I could not get the warranty. The sale rep had already told me the price of the car was going to be less. Being that they never gave me the first contract I did not have anything to reference the price to and took their word for it. I notified the finance company of this as well and they directed me back to the dealership. It was at they point I stopped making payments and contacted XXXX since they regulate the dealership. The last response I got was that they offered to buy the car back and theyd reach out. I never heard from the dealership after I spoke with XXXX XXXX.
11/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32792	Web	Older American, Servicemember
I leased a XXXX XXXX XXXX in XXXX of XXXX from XXXX XXXX XXXX XXXX ( the dealership ), for 3 years and with a XXXX allowance. I returned the vehicle early, in XXXX of XXXX and leased another XXXX from the same dealership. I had an excess wear-and-tear policy on the vehicle. The dealership agreed to waive any excess fees, including the fee for a lost key. The manager assured me that I had nothing to worry about or that I would have to file a claim with the company that issued the excess wear-and-tear policy, and that the dealership would handle everything for me, and they would also waive the end-of-lease disposition fee. I had made all lease payments on time and in full until early termination of that lease. I received several notices from Southeast Toyota Finance ( SETF ) concerning an outstanding balance, including missing monthly payments ( although I had returned the vehicle early! ). I contacted SETF at that time and informed them that the dealership was handling everything. After a few more notices from SETF, I repeatedly contacted the dealership and asked that they do something about the invoices from SETF and they repeatedly assured me that they were taking care of it ; in hindsight, they werent. I heard nothing from SETF after the dealership informed me that they took care of everything, clearing up the situation with SETF and that they sent a payment to SETF to cover the lost key. I recently checked my credit report and found that SETF had entered a charge-off against me. SETF never advised me in advance that SETF would be reporting a bad debt. I submitted a dispute with Transunion and Equifax regarding the charge-off. Both bureaus reported that they had contacted SETF and that the charge-off was correctly entered by SETF. I contacted SETF and they informed me that the dealership, or the warranty company, had indeed sent SETF the balance due on my account, but that SETF had already reported the bad debt charge-off before receiving the communication from the dealership, and there was nothing SETF could do to rectify that since it had already been reported. Because the dealership ( and the warranty company ) were delinquent in sending SETF the missing information about the early lease termination and waiver of all and any additional costs, I suffered a negative entry in my credit reports.
09/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	AL 362XX	Web
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the XXXX , XXXX in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXXXXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do not require subrogation of the bond to settle the charge
01/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 333XX	Web
I have had 2 frustrations on my credit report that seems to be the fault of the companies directly and not on my part, I have outlined below. I have tried contacting the 3 bureaus and the companies in question directly to no avail. SE TOYOTA FIN DBA OF WOFC : Missed payment XX/XX/XXXX. As instructed by the company the first payment was successfully made ( on record XX/XX/XXXX ), and hereby after auto-payment was setup ( Have email confirmation ) and supposed to commence XX/XX/XXXX. A failure in SE TOYOTA FIN auto payment system followed by a failure by them to notify me resulted in a missed payment which was reported on my credit. As soon as I became aware of their system failure ( I was i XXXX for 2 months for business ), I made the payment manually and had to again setup the automated payment. Their customer service reps admitted to me on the phone they had issues with their automated system. I asked them to report to the credit bureaus that the error was their fault, something they failed to do. 3 years later all payments are made on time and I have made a final payment to pay off the car in full so this account will be closed in XX/XX/XXXX. I expect this error on their part to be removed from my credit report immediately as it was initially their fault not mine. XXXX XXXX XXXX : XX/XX/XXXX XXXX report a credit card balance ( not past due ) causing a 5-point decrease. This is later corrected, and a 5-point increase applied in XX/XX/XXXX. That aside XXXX sent bad information ; a close analysis of my XXXX profile shows accounts with $ XXXX plus in them, access to $ XXXX in credit card financing and XXXX balances going back multiple years. I spoke with XXXX and they told me the error with the bureaus. Neither the bank or bureaus will sort this out and it has happened 3 times in XXXX. XX/XX/XXXX XXXX make a comment on my account. I can not access the comment in my credit profile and requested what the comment is, but they failed to respond. The comment they made dropped my credit score 6 points. I want an explanation how with XXXX balances ( actually I have positive balances on my 2 credit cards ) and all payments made a company can make a comment that I can not access or see, and it affects my ability to borrow future financing. It simply has to be illegal!
11/28/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 33809	Web
In XXXX I filed Bankruptcy which has since then been discharged and I am currently making voluntary payments to keep the car. I was told I could only reaffirm the Loan if it was current and because I was past due I would not be able to reaffirm. I was unable to bring current until the Bankruptcy was already discharged. When I contacted XXXX XXXX on XX/XX/XXXX and asked amount due to bring account contractually current, I was told {$1100.00} to pay for XXXX, XXXX, XXXX, & XXXX. On that day I authorized {$800.00} and then returned call on XX/XX/XXXX and authorized remaining balance of {$300.00}. After that payment I would then have been due for XXXX installment on XX/XX/XXXX. I called on XX/XX/XXXX and authorized {$330.00} - when this happened the representative put in the payment for {$770.00} causing my checking account to over draft. I then called XXXX XXXX to advise them of the error. Now up until this moment I was contractually current. But when they reversed the payment in order to refund me the {$440.00} that was taken in error, its created my account to reflect as if now I owe {$220.00} for a partial payment. I have what is called a Simple Interest Loan which they created this interest due with the payment processing error. I 've since been told that I was misquoted the amount to bring current. Then told I have n't made enough payments since beginning of loan. I have asked for a payment history which they have said they have mailed, but coincidentally I have never received. I 've also been told I have outstanding fees due but they can only explain about {$200.00} or so of them as to late fees but unable to explain the remaining balance to me. I then asked to speak with manager I was forwarded to Manager XXXX XXXX at XXXX have left a message but since then no one has returned my call, I have yet to receive the payment history, and my account is still showing past due. I 've since then made a payment on XX/XX/XXXX in the amount of {$330.00} which should have covered XXXX but due to their error applied towards XXXX. My loan has already been closed due to Bankruptcy so I 'm no longer in an agreement meaning they are able to repossess my vehicle at any time. I feel the account is purposely being mismanaged in order for them to keep the vehicle.
10/03/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	GA 30504	Web
On Saturday XX/XX/2022. I the Consumer went into XXXX XXXX XXXX At XXXX XXXX XXXX to trade my XXXX XXXX in for a XXXX. A Sales man did help me out. As I was doing the CREDIT application I told the sales man now that I signed my signature were now in a Consumer Credit Transaction. The sales man then brought back to finance manager. He came with a paper with all these charges totaling up to XXXX. I told the Manager I want this included in my finance charge he said that was fine. He then said I needed to put a down payment down. I advised the finance manager are familiar with the laws he said yes I said well in what law does it say a down payment is required when doing a credit transaction. I then told the finance manager that under 15 USC 1662 down payment is illegal with a consumer credit transaction. I did extend my credit to you all. He then laughed. He said a down payment is required from the banks. ( I felt very disrespected as a person. ) he then said well Ill do what I want me to do and youll receive a letter in the mail about why you were denied. WELL HE DEFINITELY DISCRIMINATED ON ME AS A CONSUMER And As Well Violated ECOA as Well as TILA. He didnt even pull my report yet to even see what I was working with. Then came back with a Adverse action paper. We asked who denied me he said youll receive a letter in mail. We continued to ask and then asked for a General manager we also asked for his card he said he did not have one. The finance manager then came back with a paperwork with the bank who denied me as a consumer. THE GENERAL Manager greeted us we asked if they had an attorney they said to call SOUTHEAST TOYOTA FINANCIAL Who Denied us to speak with an underwriter that I also requested. I SIGNED MY SIGNATURE AND YOU ALL DENIED ME AS I WAS EXTENDING MY CREDIT AS WELL AS YOU ALL DID A INQUIRY ON MY CREDIT REPORT AND DID NOT GIVE ME WHAT I WANTED IN GOOD FAITH. You all Have Violated TILA & ECOA. I filed with the Attorney General As well As FTC. If You Say You Not Violated my rights then let me know why I was denied? As a consumer I shouldve never been denied. I definitely felt discriminated on. I HAVE A FAMILY AND ALL I WANTED TO DO WAS TRADE MY CAR IN.
07/15/2016	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	CT 068XX	Web
Dear Sir, Madam, I would like to file a written complaint against Southeast Toyota Finance ( XXXX XXXX XXXX, XXXX, XXXX, XXXX ), My Account # XXXX. I had leased a XXXX Toyota Highlander from the company. As my lease term expired, I decided to take out a fixed rate loan from XXXX XXXX XXXX XXXX to pay off Southeast Toyota Financial. I requested a pay off quote from Southeast Toyota Financial and explicitly asked for the various fees to be broken out ( {$350.00} lease termination fee, {$90.00} Doc. Fee, {$480.00} Estimated Property Taxes, {$1300.00} Sales Tax, {$20000.00} Residual Value ) instead of one everything burried in one final grand total figure. I called back several times to request a break down of the pay off quote. My rationale was to be able to proof to my CPA that Sales Taxes were paid ( which I can deduct for tax reporting ), and Property Tax payment was made. As you might know the property taxes for leased vehicle is paid by the lessor and subsequently charged to the lessee. In other words I need a proof of payment indicating that Southeast Toyota received my funds, so when my local Tax Collector calls me i have a proof. It turned out that I overpaid my property taxes approximately by {$50.00} to Southeast Toyota Finance. My new lender ( XXXX XXXX XXXX XXXX ) sent over the Odometer Statement along with the check for the pay off ( {$23000.00} ). I also found that the {$90.00} documentaion fee was burried in the small print on the back of the lease agreement. I truly think that the way Southeast Toyota handled this situation was very deceptive and unprofessional. I spend several hours on the phone and they promised that the documents and the refund check will be sent out. I recived no resolultion regarding my case. I am hoping that someone can escalate the issue and protect me from predatory lending as this. Looking at the way these leasing companies are luring people into leases is very deceptive : not disclosing fees the proper way, not educating the client about the terms and conditions. Your kind help is greatly appreciated. I can be reached at XXXX. Thank You, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
10/06/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	FL 32725	Web	Servicemember
Company is asking for over {$1400.00} Payments are 76 days passed due currently. In order to be able to afford my super high {$420.00} a month payments I had to switch car insurance from XXXX to XXXX. It took my entire paycheck to get the insurance switched. I had put in two requests for extensions which I have to put in the requests to even see how much it'll cost me. After submitting requests in order to check the prices on a one month and a two month extension XXXX then blocked me from submitting another request. I'm currently waiting on a payday loan to go through to pay for an extension. I want XXXX to drop my late fee charges due to hardship and want to be able to aquire a two month extension for {$250.00} in order to allow me to pay ahead. As I stated in a previous complaint I recently got custody of my XXXX year old daughter and I'm trying to get caught up financially. I was out of work for two months and am now a licensed health insurance agent with a decent job. If XXXX cant do this I want there to be a way to re-negotiate what I pay every month to lower it so I can get the car to good financial standing and not have this issue again. That car is my only means of transportation to and from work. Its also the transportation for my daughter to see her dad. I'm doing everything I can to get things back to where they need to be. If my dreams were to come true XXXX would put the total of what's due and passed due at the back of my loan and allow me to start fresh from 0 days passed due. Dreams dont come true though. My request for a two month extension at {$250.00} and all current late fees be dropped and my car not be put through the repo process I feel is reasonable. I'm getting on my feet again its just slow. At XXXX years old a repo on my credit would ruin me and I want to be a home owner someday. I know how my payments have been this passed year. I'm ashamed and embarrassed ive been out of work as much as I have. The current position I have is stable and I plan on getting things back on track but I need some assistance. If the car gets taken. I won't be able to work and XXXX wont be able to get paid.
01/16/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	FL 33145	Web
On XX/XX/XXXX, I mailed to the creditor 's lockbox address my check number XXXX in the amount of {$12000.00} to pay off in full my car loan. When two weeks elapsed since my check not being cashed, I telephoned the creditor 's customer service number on XX/XX/XXXX to inquiry why my check had not been cashed. I explained to the person who took care of my telephone call that I was paying off my car loan because it was a condition to the approval of a mortgage credit to buy a new home. Since I had a need to show evidence of having paid in full the loan, the person with whom I spoke suggested that I utilized the online payment system to pay off the loan. This person explained to me that I would have to do two payments since the system would accept as the maximum amount {$10000.00}. I mentioned the fact that a check was already on its way to the lockbox address. I was told that I should not worry since in about two weeks time the overpayment would be refunded to me. Immediately after I concluded the telephone conversation, I proceeded to effect the online payments. Unlucky for me, that same day my check was processed. Given the holidays, I waited until XX/XX/XXXX to see if the refund check would arrive. Since the expected refund did not arrive, on XX/XX/XXXX I made contact again to see what the status of my overpayment refund was. The person who took of my telephone call on XX/XX/XXXX was very courteous. She explained to me that only a refund for {$2900.00} had been approved for processing. When I gave her all the information concerning the overpayment, she indicated that she would look into it and would get back to me inform me of the status of my refund. I never got the promised telephone call. I again telephoned on XX/XX/XXXX to inquire on my refund. I was told that the refund matter had been referred to accounting and that I would get a telephone call back on XX/XX/XXXX to tell me what the status was of the refund claim. On XX/XX/XXXX, I received a check for {$2900.00}. I did not receive the promised telephone call on XX/XX/XXXX. I am still owed {$10000.00} by the creditor.
10/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 322XX	Web
XX/XX/2022. Received a hand delivered letter that vehicle was past due. I immediately paid the bill over the phone in the amount of {$1400.00}. Account was up to date. XX/XX/2022. Vehicle was taken from residence. immediately contacted South East Toyota Finance and was told it was repoed in error. There was no due balance on vehicle. Had to take off work and drive 60 miles to recover vehicle. Was told it would not go on credit due to " unintended '' repossession. XX/XX/2022. Spoke with customer service rep ( XXXX ) and manager, was assured it would not go on credit. XX/XX/2022. Received first letter saying my vehicle was being sold at auction ( it was in my driveway ) XX/XX/2022. Showed up on credit. Spoke with customer rep ( XXXX ) and said it was reported in error and that it would be taken off. XX/XX/2022. Tried to make payment online and by phone. Account is showing closed. Called and spoke with ( XXXX and XXXX XXXX. was told they would send email to have it fixed. XX/XX/2022. Account still closed and can not make payment by phone or online, spoke with customer rep ( XXXX ) XXXXReceived letter that my vehicle was being sold in auction, the vehicle was in my driveway. Was told I received letter in error. XX/XX/2022. Can not make payment by phone or online. Spoke with customer service ( XXXX ). Was told I could use XXXX. I paid {$700.00} through XXXX. XX/XX/2022. Can not make payment on phone or online. Spoke with customer service ( XXXX ). XXXX was received but would be put in an escrow account because account was closed, she would send email to manager. XX/XX/2022. Account still closed. Vehicle is showing repoed. Can not make payment by phone or online. XX/XX/2022. Credit report still showing repoed remarks with missed payment. I had a XXXX credit score. My credit is horrible now. I just want to make payments and know they are going to my account. I took care of the missed payment within the hour of being notified, over two months later, and the only response I can get is " ill send an email to manager ''. Meanwhile nothing is being done.
10/27/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	SC XXXXX	Web
Dear Sir or Madam, Please help with the following matter : On XXXX XXXX XXXX around XXXX our vehicle was repossessed from our yard. When I contacted XXXX, they informed me that I was XXXX days past due on my loan. When I informed them that I had in fact made every payment, XXXX insisted that no payments were made. I informed them that I had made the payments through the their website and that my bank statements had " XXXX XXXX XXXX XXXX XXXX, XXXX '' in the memo line and I gave them the dates from our statements which were XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. All payments were XXXX and cleared our bank as a debit charge. They continued to insist that the payments were not made or received so I asked for a fax number to send in proof of payment. I sent the bank statements into XXXX different fax numbers and called multiple times speaking with a supervisor many of those times. The reps continued to say that they never received any faxes from me and that they would be auctioning off my car XXXX XXXX, XXXX if I did n't refinance through a different bank. I have made multiple attempts via fax and email to prove that my payments were not only made, but made on time. Since I have made every payment on my loan I do n't see why I have to refinance or pay any of the repossession fees. XXXX also failed to contact me to let me know they were not receiving my payments. My email address, phone numbers and place of employment have not changed. The reps I talked to said they called, emailed and mailed multiple notices and never received a response. I have checked my email, my phone records and I also never received anything from the mail. Because of the lack of communication I was unable to rectify the situation before the repossession of my only transportation. The reps at XXXX have repeatedly denied me the opportunity to continue my loan payments and have adversely impacted my credit bureau reports which may prevent me from obtaining a new car or home loan.
07/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33431	Web
On XX/XX/2018 I went to test drive and get information on a vehicle that I wanted from XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Fl XXXX. I explained to the salesman who greeted us several times that I was not ready to purchase, I was just researching to be prepared. After viewing the car, he sat me down and asked if he could have my information to see what prices he could offer on a lease and a purchase. I agreed and only gave my name, address, and what kind of payment I could afford. He came back with decent numbers but as I had explained, I was not ready to purchase or lease that day. As I was leaving another man called my name from the front door and asked me to give him 10 minutes. He came back with a great deal. No money down, payment of {$290.00} a month. Of course I caved. I filled out all the paperwork, gave them my license plate to transfer, added the car to my XXXX policy. While I was waiting for them to come out with the final paperwork to sign, I was called into the finance office. The finance manager said they couldn't honor the deal without a large down payment. The banks wouldn't approve an 84 month loan. He said my credit was not the problem, the terms were. I was not made aware that the term was to be for 84 months. He asked for the name of the salesman that offered me this deal and when I told him he said Oh, he hasn't been here long, he transferred from another region and had no authority to make such a deal. They tried to talk me into leasing with a down payment or financing with a down payment but the payment would be {$390.00} a month. I walked away from that as I had a bad taste in my mouth from dealing with the salesman. The next day I received a notification that my credit score had changed. The XXXX finance manager ran my credit with 3 different banks trying to get it approved. Each hard inquiry was a 3 point hit on XXXX. I feel they should have asked me after the first bank did not approve their terms, not keep trying. I don't believe I was treated fairly.
06/18/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 30252	Web
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX, Ga. I placed half of the purchase on credit cards and the other half I was convinced by XXXX was a good idea to finance through World Omni Financial d/b/a XXXX XXXX XXXX. I decided to finance the remaining amount, thinking it would build my credit to purchase a new home. In XX/XX/XXXX, I paid {$5000.00} on the XXXX XXXX only to find out a month later that {$2100.00} was the online posted amount to pay off the loan. I took the remaining amount of money from my bank account to pay off the loan so, I sent SETF a personal check ( # XXXX ) in the amount of {$2100.00}. I would never had taken the amount from my bank account to pay off the car had they not posted the incorrect amount on their website because it would have caused a hardship for me to pay the lump sum and still make payments to them. XXXX released the lien to the state of Georgia and the State of Georgia sent me the title to the car while XXXX also sent me a payoff letter stating that I had paid the account in full. About a month or more after I received the title, I received an email and a mailed invoice stating that I owed them more than {$5000.00} for the XXXX XXXX and have received emails and invoices monthly for a payment. After posting a " Closed-Paid and Closed '' account status on my credit, they reopened the account on my credit report. I called XXXX and spoke with XXXX who told me that they had made an accounting error but, that I would have to pay the amount that I had contracted for. She stated that they took full responsibility for the error. Taking full responsibility is not unloading the mistake onto the consumer. Please help me, as a consumer, eliminate these inappropriate business and accounting practices, as it can cause financial hardship to the average citizen. Please review their business practices for illegal activity with consumers and help me by finding that XXXX has performed inappropriate activities and should zero my account.
07/23/2023	Yes	Vehicle loan or lease Lease	Incorrect information on your report Account information incorrect	FL 33703	Web
The reason I did not report this issue sooner is because I was just made aware of it in the last couple of months. I was already advised at the end of my lease in XXXX by XXXX XXXXXXXX XXXX XXXXXXXX and Southeast Toyota Finance ( XXXX XXXX XXXX ) that there were no payments due. This misinformation has resulted in my previous account ultimately being charged off without my knowledge and impacting my credit in a negative manner. I was told numerous times that there were no payments due on my previous lease and it was an error on Southeast Toyota Finance side. It wasn't until recent when I went to get into a new lease, they pulled my credit that I was made aware the amount of {$890.00} was charged off, impacting my credit. I called Southeast Toyota Finance to resolve this and spoke to XXXX XXXX, End of Term Manager, she advised that Southeast Toyota Finance accidently credited my account from a payment received from another customer that is why there was a balance due when they figured out their error. I advised XXXX I had no problem paying but they told me nothing was due twice and I owed nothing. I asked her why I should be responsible for their error 2 years later. She advised me I should feel bad about it and pay it. I advised her this was her company 's error which she admitted and they should do what is right and take care of the balance in addition to repairing my credit. She advised me that she would need a couple of days to research and then never returned my call or followed up with me. This brings me to my current situation ; my credit has been severely damaged and it has affected me getting a new lease with XXXX or applying for credit anywhere else. I am requesting that Southeast Toyota Finance be responsible for their error, credit the {$890.00}, and put an expedited request to repair my credit to the 3 credit bureaus. I have always paid my bill on time and my credit has been excellent, I would not recommend doing business with Southeast Toyota Finance.
04/24/2019	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	FL XXXXX	Web
On XX/XX/XXXX I purchased a used XXXX XXXX XXXX from XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, Florida. I paid cash for the entire purchase price. I used the car for a number of years and recently attempted to sell the car only to find that there is a lien on the car through World Omni Financial Corporation, mailing address XXXX XXXX XXXX, XXXX Alabama XXXX. This fact was confirmed when I went to my local Florida DMV office and received a screen shot of Active Liens ( See Attachment 1 ). I contacted XXXX XXXXXXXX at phone number XXXX and was told that had no active loan under my name or loan for the VIN number of my car and that they would clear the issue if I would send a fax to number XXXX. On XX/XX/XXXX I sent the fax ( See Attachment 2 ). Since XXXX is still listed as a lien holder on the title, I called on XX/XX/XXXX and spoke with XXXX and explained the problem. She told me she would release the lien on the title. I was grateful that I could now sell my car and asked if I could send a fax expressing my appreciation to XXXX 's boss ( See attachment 3 ). On XX/XX/XXXX I accessed the Florida Vehicle Information Check, XXXX is still listed as a lien holder ( see Attachment 4 ). Other attempts that I made to resolve this issue is to locate the original purchase agreement from eight years ago, unfortunately I can not locate it. I did not save a copy of the purchase agreement and the car dealership, XXXX XXXX XXXX XXXX, is no longer in business. I have reached out to the dealership 's successor with no response. My local DMV informed me that only XXXX can release the automobile lien. In over eight years, XXXX has never initiated any communicated with me either by phone or in mail regarding payments that have not been made. I have been told that they do not have records of a lien with me or records of an active lien with the VIN number I have provided. Why will XXXX not remove the inaccurate recording of the lien from the title?
07/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 326XX	Web
1. ) Credit Reporting 2. ) The way the Car Loan company handled this 3. ) The vehicle financed was totaled. The insurance company didn't pay it all off so I paid what I could on it except for {$500.00}. the finance site said I didn't need to make a payment until XX/XX/XXXX. I knew I could pay something every pay check and then I was getting a lump sum payment at the end of the XX/XX/XXXX/beginning of XX/XX/XXXX and would be able to pay it off. The company called me and I explained the situation to them and that I would make a payment every pay check but could not do more that {$20.00}. I told them I would pay it off at the end of XXXX or the beginning off XXXX. As promised, I went onto my account to pay it off ( XX/XX/XXXX ) and could not get in. I called them and they told me it had been sent to collections. I had not missed a payment the whole time and I always paid on time. I resent the fact that the little guy who is honest always " gets it '' while real criminals get away with everything. My credit score dropped quite a bit. I worked hard to keep my credit score good and now there is a " write off '' account showing on it. This was jus unethical what they did. I did what I said I would do. Since the payment was made AS I PROMISED I feel they should have not sent this to collections. I need this to be made right. Had another agency look into this and when they did I received paperwork from World Omni saying they are not responsible for how things are reported on credit. You know that is not true as they would of had to tell the credit bureau it was a right off for the credit bureau to have been able to put that kind of information on your credit report. It has also affected my son 's credit we were trying to build as I co-signed this for him. I wish I could be more specific but I spent 4 months without a vehicle and 4 months fighting an insurance company to pay - at that point I was very, very frustrated.
01/18/2023	Yes	Vehicle loan or lease Lease	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33193	Web
I entered into a lease with SE Toyota Finance in XXXX, 2021. It was explained to me that when I took the car from the dealership, I was paying the down payment, first month 's payment, and taxes/Insurance/Plates. I signed up for auto pay shortly thereafter. NOT ONCE did I receive a call, a courtesy reminder, an update, an email, a text, nothing to notify me that there was a delay or issue with my payment. Every payment was made on my account. In XXXX, 2021 I received a credit monitoring notification that my account had been reported 30 days late. I was certain that this was a mistake, because again, I was on auto payment, all of my payments had been deducted from my account, and I never received any kind of notification from SE Toyota Finance that there was an issue with my new lease. I called them immediately, disputed the information, received response that payment in XXXX was not made. I called again, spoke with an agent, per his instructions, I sent proof that payment for XXXX was made. Agent placed me on hold for a while, came back to tell me that the fist payment in XXXX was not made??? Again, no call, no email, no text, nothing. A 30 day late in XXXX, this is a mistake. I have contacted credit agencies, unfortunately SE Toyota Finance responds that the reporting is accurate. I have called numerous times, no resolution. I have even gone to a local branch, no resolution. I have not made a late payment, this company is not listening or cooperating. This has been a burden for me for over a year and a half. I feel that my rights have been violated and ask that they truly investigate and delete that negative mark they placed on my credit report. This is my first experience with this company, unfortunately as I have been treated thus far, it will be my last. Inaccurate information to be placed on my report without investigating, without an alert, without communicating with me is a violation of my rights.
03/29/2018	Yes	Vehicle loan or lease Lease	Getting a loan or lease Fraudulent loan	FL 33065	Web
I am requesting assistance and intervention to resolve what I consider illegal business practice involving a recent vehicle lease. Evaluation of documentation might help reveal any one or more of the following possible violations of consumer law. Misrepresentation, Fraud, Unethical / Deceptive Business Practice, Concealment and at least, obvious violation of Truth-in-Lending Laws. XXXX XXXX XXXX ( World Omni ) approved numbers for an auto lease where a payment obligation exceeds total monthly income. Did XXXX hide the source of a conjured {$4000.00} from the main lender presenting it as cash to contract to offset customer low income level in order to get loan approval? If the financing had been disclosed openly and in a legal manner I would have refused the deal and walked away. XXXX XXXX knew this and proceeded in their best interest to hide the true terms of the contract agreement. At an initial point in the contact process I made full disclosure of my income being limited to SSI of {$490.00} per month and inability to come up with any down payment. I reside in a XXXX county Section-8 rent subsidized unit. The monthly obligation was shown as {$380.00} paid to XXXX XXXX XXXX ( Acct : XXXX ) only. As required I have made the required payments of {$380.00} to XXXX XXXX XXXX. Until, after months had passed, a billing from a XXXX XXXX started showing up asking payment of {$40.00} per month which quickly increased to {$110.00} on a balance of {$4000.00} the exact figure shown as the down. This sleight of hand salesmanship now presents a monthly obligation of {$380.00} plus {$110.00}, a total of {$500.00} payable from my {$490.00} monthly SSI benefit. All documents as referred to herein and the entire " brief '' are available for review. These would have to be sent regular mail only as the cost of scan to file and emailing is cost prohibitive. Attached is full description of the circumstance.
10/22/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	OH 44128	Web
On XX/XX/2021 I the consumer and natural person was violated and had my property seized and stolen from me by and unauthorized third party by the name of XXXX XXXX. I have never had any prior business or interactions with this company nor have I ever gave this company consent to take possession of my private property. I am in fact the entitlement holder for the property and I demand I be returned. This company received an order from XXXX XXXX XXXX to take my property due to non payment but it is a fact that this vehicle was paid of pursuant to 16 cfr 433.1, 16 cfr 433.2, and 16 cfr 433.3. This vehicle was 100 % paid off from XXXX XXXX XXXX XX/XX/2021. After it was paid off, the dealer sold this contract to XXXX XXXX XXXX XXXX. This notice is for XXXX XXXX and XXXX XXXX XXXX. XXXX XXXXy request a copy of the alleged agreement between this company and look at page 3 section 2 ( c ) It states " This secures payment of all you owe on this contract ''. Also there was a cease and desist placed on this on vehicle XX/XX/2021 at XXXX ( the recording will be attached ) Notice to agent is Notice to principle, Notice to principle is notice to Agent This is a formal notice This is a Cease and Desist I am the consumer pursuant to federal law 15 usc 1692D I am the administrator, and executor. You all have violated 15 usc 1692B ( 2 ), 15 usc 1692C, 15 usc 1692D ( 1 ), 15 usc 1692D, 15 usc 1692E, 15 usc 1692F, and most importantly 15 usc 1692G ( c ) I am the consumer of the united states and I dont owe anyone anything and this is written notice that I refuse to pay any and all debts until you all provide me with federal laws that state that I am responsible for paying any debt and written disclosure that I gave you stating that I want to do business with either of you, ( contracts that where purchased do not suffice as written agreements between XXXX XXXX or XXXX XXXX XXXX XXXX ). Return my property to me!!
06/12/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33150	Web
On XX/XX/2022 I purchased a XXXX XXXX XXXX XXXXXXXX from XXXX of XXXX XXXX which was originally listed for XXXX XXXX $ but verbally agreed to a discounted price of XXXX XXXX with me than went to speak sales supervisor on the in the front desk dishonestly added multiples unsolicited premium services to the contract than disguise by pretending to help me by signing the contract him self under the pretext that the sales XXXX was going to to explain the contract me when no such explanation was given. It's until XXXX weeks later when the bank statement came I found out that I was scam by the dealer rich out to them, the bank and even XXXX headquarters with all third party XXXX that this is between me and the dealership since all dealerships are independent entity 's while the dealership is gaslighting me with Statements like is that your signature, nobody put a XXXX on your head an made you sign. I have been taking action every since but their is not enough profit in the case to get a lawyer interested and not enough obvious resources to force XXXX of XXXX XXXX or other parties evolved to even investigate the incident meanwhile my credit has already been affected, I am being bombarded with threatening phones calls like this is a final action of collection before there's lawyers involve my vehicle has been reposes despite all my contest an during XXXX XXXX I had even got hospitalized in XXXX XXXX XXXX XXXX XXXX emergency center because I fell while at work and was diagnosed to have probably been cause by the immense amount of stress that I was dealing with at the time. In conclusion all I wish for is to have an investigation conducted on the day manor of which the vehicle that me and XXXX of XXXX XXXX sales man had agreed upon for XXXX XXXX $ end up on contract of XXXX XXXX Dollars loans. Thanks in advance for your time and effort on the matter.
09/21/2017	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	GA 31909	Web
On XXXX XXXX this year I went to XXXX XXXX in response to an add that they had offering XXXX % interest on a new Rav XXXX. I spoke to salesman conf ; irmed with him the XXXX % rate would apply to my sale. They had a card sent from another dealership and I returned on the XXXX. On the XXXX I spoke with the salesman again confirming XXXX % apr rate as advertised. stressing that I would not be buying were it not the case, in fact had been looking at a XXXX and generally preferred it but the rate would save me so much money that I was convinced to go with XXXX. The salesman wen through his speal, we had agreed on a price the day before, he actually came in a little lower in this particular vehicle. i did not try to haggle with him as I was saving so much on financing. I have puchased vehicles on prior occasions from XXXX, just not this dealership. We went to the finance girl who typed up the documents. HEre again we discussed how great the XXXX % rate was. THERE WAS NEVER ANY MENTION OF ME PAYING ANYTHING OTHER THAN XXXX % during our conversation. I left the dealership thinking that I had signed up for XXXX months of XXXX % as advertised, and as was sent to my XXXX mail.- The print on the documents was too small for me to make out without a magnifying glass. and the documents were fed too me in such a m anner that I did not see the rate. As I trusted this Company and had no reason not to trust them I did not question anything, until I recieved a letter from XXXX XXXX XXXX XXXX, stating that the APR had been incorectly stated as XXXX and should have XXXX instead. This was the first I knew about the bait and switch. I called the dealership and was told to come in and speak to XXXX XXXX the following day. I did and he told me that what they did was legal, I signed the paperwork and I woulod be sued if I told anyone about what had happened.
11/09/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NC 28208	Web
SETF/WOFC Acct # XXXX Please read carefully, I did not recieve the following : Pre Letter or Post Letter The Repo was not peaceful at all and I was very distraught! Is this account open or closed? On my consumers report it says closed but a mortgage company said it was open. I need more validation and recepits for this account and a copy of the 1099c. I also called the Gap insurance they said they paid your company and I need that information for my records. I have no records of the following ; there was no notice of the repo beforehand and this was during covid so please provide the following information or delete this from my account. I have no information on the company that came to my house and disturbed the peace of my home and neighborhood. The law states that it should be a peaceful process. I was supposed to get a Pre Letter and Post Letter. This vehicle was repossessed by your company in the State of NC on or about, XX/XX/2020. Under the laws of the State of ( NC ) UCC 9.506 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies.
10/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30060	Web
Southeast Toyota Finance is in violation of 15 USC 1692e ( 8 ) ; Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. Southeast Toyota Finance is in violation of 15 USC 1666a ( a ) ; Reports by creditor on obligors failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. This debt is currently since XXXX being disputed and has not come to a conclusion yet. There has been numerous cease and desist, affidavits and debt collection notices sent out to Southeast Toyota Finance. Southeast Toyota Finance has deceptively and falsely reported a late payment to XXXX, XXXX, and XXXX WITHOUT the consumers ( my ) consent! this constitutes as IDENTITY THEFT per the CFPB definition : Stealing your identity could mean using personal information without your permission, such as : Your name Social Security number Credit card number!! I never authorized this information to post onto my credit report as they provided XXXX, XXXX, and XXXX with my personal information and is tarnishing my reputation by doing so.
03/22/2023	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem with paying off the loan	FL 32927	Web	Servicemember
I had a leased vehicle that I invoked my SCRA rights on on XXXX XX/XX/2023 to break the lease since I was leaving for military service. I returned the vehicle at that time to a Toyota dealership. I received paperwork back on XXXX XXXX while I was at training showing the Early Termination Lease Liability amount I still owed. I called at XXXX on XXXX XXXX, spent over an hour, and was transferred to six different representatives including a supervisor ( XXXX ). I called back again in the afternoon at XXXX and spent another hour on the phone speaking with multiple representatives and a supervisor, XXXX XXXX again. The results are below. After clarifying the fees, I agreed that I owed the full bill of {$7200.00} and asked to enter payment arrangements for {$100.00} each month. I was told the amount was too low for them to accept, and so I would have to call in to the automated payment system each month to make that payment. When I was transferred to the XXXX XXXX, they said that I could not make a payment using my debit card, but would have to send in a check instead. The reason being that I had made payments in the past through that checking account that had been declined, so they would not accept any ACH or debit for that account. When I questioned how a check from that same account would be accepted, the representative said she did not know and they would just have to figure it out when the check arrived. I was told even if I made a new checking account that they would not accept payment from me for 18 months. I was told the only way I could pay a bill was to use XXXX XXXX and was given a code to use. When I went to XXXX XXXX and input the code, it directed to a different company called XXXX, NOT to SE Toyota. I did not proceed with a payment since I could not verify it would reach the correct company.
11/11/2016	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	FL 337XX	Web
XXXX : Southeast Toyota Finance VT XXXX as Trustee of World Omni XXXX of XXXX Additionally : XXXX XXXX, XXXX XXXX, NJ, sent a notice XX/XX/XXXX We returned our XX/XX/XXXX leased XXXX at the end of our lease on XX/XX/XXXX to XXXX of XXXX. They inspected it, declared it had no damage, and took possession of the car. On XX/XX/XXXX we received a bill from Southeast Toyota Finance claiming that when they inspected the car on XX/XX/XXXX, XXXX days after the car was out of our possession, there was damage in the amount of {$350.00}. We have no way of knowing what happened to the car during those XXXX days. Background : A week prior to returning the XX/XX/XXXX leased car, I went to the dealership and chose a new XX/XX/XXXX XXXX to lease. A few days later, someone identifying themselves as a XXXX representative called ( my wife got the call ) and said that, as our lease was about to expire, they would like to set up an appointment to inspect the car. My wife explained that we had an appointment with the dealership to return the car and lease a new XXXX in a few days. The person on the phone said that was fine, then, and did not schedule an inspection. What followed : For a year and a half, we have been trying to settle this dispute. There have been innumerable phone calls, emails, and letters. We have been shuffled back and forth among the XXXX of XXXX, Southeast Toyota Finance, World Omni XXXX, and now XXXX. We have contacted every person they 've asked us to, which has been a significant number. The number of hours we 've put into this is abhorrent. Additional information : Our payment record with Toyota Finance has been perfect, both for the XX/XX/XXXX lease and for the XX/XX/XXXX lease. Present : We have done everything we know to do to protect our rights. It 's time for the harassment to stop.
02/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 32159	Web	Older American
I used CFPB XX/XX/XXXX, to help me recover my Credit Score ( XXXX ) unjustly reduced to low XXXX by SOUTHEAST TOYOTA FINANCE. This lease for a car was the 3rd one I ( Grandma ) co-signed for my Granddaughter. Their claim of {$2200.00} ended as satisfactorily paid. It took me until XX/XX/XXXX8 ( only with CFPB help ) to recover my XXXX score. Very upsetting months of fighting. ( CFPB Complaint XXXX ). Meanwhile, a new Credit Report, dated XX/XX/XXXX, showed this same account showing " Recent balance of {$2200.00} as of XX/XX/XXXX Open ''. I wrote to credit company, asking them to DELETE this incorrect information. I was again SHOCKED to learn that my XXXX score had again been reduced to XXXX for SERIOUS DELINQUENCY!! I have NEVER BEEN DELINQUENT IN MY XXXX YEARS. On XX/XX/XXXX, I received a letter from a COLLECTION AGENCY stating their " client World Omni Financial Corp. d/b/a SOUTHEAST TOYOTA FINANCE has placed this account with our office for collection in the amount of {$2200.00} ''. I called this collection agency & SOUTHEAST TOYOTA to chastise them. ONLY TO HAVE ONE SUPERVISOR ANGERALLY ARGUE WITH ME THAT " NUMBERS GENERATED ON PAPER ARE NEVER WRONG! ". We agreed there was a {$500.00} balance owed, but not the entire {$2400.00}. Finally, after numerous calls, one nice lady looked at former claim conclusion & saw I was right. I demanded a full explanation in WRITING, along with MY SCORE BACK AGAIN ASAP ( 2 days ago ) & reporting all back to CFPB. In conclusion, SOUTHEAST TOYOTA DIRECTFULLY & PURPOSALLY ATTEMTED TO COLLECT TWICE FOR SAME CLAIM!!! At my age, if not for my XXXX years in XXXX XXXX XXXX WORK ( including 5 yrs in Consumer Fraud ), I AM SURE no one could have attained this result. PROOF OF TAKING ADVANTAGE OF SENIORS, as I witnessed in Consumer Fraud Dept over and over..
12/02/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	OH 44128	Web
This company is in direct violation of the truth in lending act governed by regulation Z, the fair debt collection practices act governed by regulation F, and the trust indenture act. This company had my car taken for an alleged debt that they have yet to provide me with documentary evidence that I own them. As the consumer I dont agree with these terms in the contract and I have questions due to not being able to take the contract home to review the contract before signing. So I asked the questions? What was the security that was given? Who is the seller? Who is the creditor? is the creditor shown clearly and conspicuously? Is this a swap based agreement pursuant to 15 usc 77b-1? How is loan defined under the FDCPA? What proceeds did I receive from southeast toyota finance for the purchase of my securities? Can you show me where South east toyota signed the agreement making in valid between the the creditor and myself? Do you agree this is a contract? If this is a contract is it not a federal violation pursuant to 15 usc 1? What legal and lawful right do you all have to come steal what does not belong to you? How much was this swap agreement purchased for? Was your goal to liquate my estate to help increase your profits since we are under XXXX XXXX bankruptcy? What is a trust indenture? What law says that I have to pay an alleged debt? Can you send me a original copy of the credit application? Who much fraud do you all need to commit before you return my property and title.? What form of payment do you all accept for payment that is not listed pursuant to 18 usc 8? What specific personal information was used to open this account? What is my social security number used for? Was this purchased made for bailment? Can you define consumer credit contract pursuant to 16 cfr 433.1?
10/25/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	FL 33991	Web
After hours on the phone with Southeast Toyota Finance, a company who I leased a XXXX from regarding how to settle a debt they suggested I needed to pay, I still am years later getting calls. Initially they said I owed a full amount after returning the leased car because of wear and tear. I had to spend hours proving I paid extra a month to cover that. It was explained that it didn't include all of it. Also that they did not get a key fob that I mailed in to the XXXX dealership. I had to call over and over to get a letter on their letterhead stating they DID get the fob, which they had. I could not email anyone about this of course at Southeast Toyota Finance. I am still getting phone calls from XXXX after they suggested a reduced payment to {$500.00} and I paid {$100.00} and processed the key fob request which should be another {$400.00}. I've spent months hearing from them. They do not have an email and the woman I discussed settling this with did not do what she said. I am still getting phone calls from XXXX after talking for hours with XXXX and the XXXX dealership, which faxed them information regarding the key fobs being replaced which should take down the payment {$400.00}. They had offered a cash out for {$500.00} and I payed {$100.00}. They continue to call me and they are unethical and incompetent. They keep calling and reporting I owe them {$270.00} but based on everything I've spent hours and hours they should be paid off. They are still trying to take advantage of me. At one point I got a letter saying they still want me to want me to send them a letter on XXXXXXXX XXXX letter head. This is fraud. They need to be investigated. Mostly though they make it impossible to really communicate and they don't follow through after you are on hold for hours.
11/22/2022	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	NC 27701	Web
I paid my loan off early on XX/XX/2022. On XX/XX/2022 I received a document from the loan company confirming that the XXXX had been released. However, I did not receive my car title in the mail as they said I would, so on XX/XX/2022 I called the loan company to check in. They said the state takes a long time to mail titles, but that everything looked good on their end. After XXXX more months I still had not received the title so I went to the XXXX on XX/XX/2022. The XXXX informed me the electronic XXXX had not been released by the loan company. I called the loan company and spoke to a representative who said there had been an issue with the electronic release and they would correct it. XXXX month later I still had not received the title and so I called the loan company again on XX/XX/2022. The person I spoke to was not able to confirm the electronic release had been processed and said she would call me back the next day. By the end of the following day I had not received a call so I called the loan company again on XX/XX/2022. The person I talked to said the electronic release had been processed. I waited XXXX months but still had not received the title so I went back to the XXXX on XX/XX/2022. The XXXX told me the electronic release had not gone through yet. On XX/XX/2022 I called the loan company again. They said they had called the state on XX/XX/2022 ( a pretty big coincidence that they called the day before I called them after XXXX months of no action ) and that they were working to figure out the electronic release. However, I have lost trust that this company is following through after 8 months of being told that this electronic release had gone through when that was consistently not the case. I need help holding this company accountable.
10/18/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33025	Web
World Omni Financial aka South East Toyota Finance has refused to correct the erroneous error on my credit report indicating that on XXXX and XXXX I paid my monthly car payment 30 days past due. Proof of XXXX payments were submitted to the Collections Supervisor by the name of XXXX XXXX indicating that the payments were made before the 30 days. Despite of the proof of payments XXXX XXXX indicated that they have records which indicate that it was made after the 30 days. I explained to XXXX XXXX that their website indicates that when payments are made on line on their website it indicates clearly that any payments made before XXXX time will be posted to that account holder that day. Those XXXX payments which have been reported showing over 30 days late, were paid before the 30th day which I have proof of. That was submitted to XXXX XXXX as well. XXXX XXXX confirmed that the website indicates such, however they had some type of technical error in their website. This makes no sense to me. What does that have to do with my situation? Their technical errors are costing me money. Do to their mistake I am not able to purchase a new car and obtain a good interest rate. My car payments have always been paid the same for the last 2 years, however they indicate on only XXXX occasions that it was later over 30 days which is incorrect. They took it upon themselves to choose what to report late or not. That is not fair to the consumer. It is wrong. I have spoken to them several times and they refuse to correct the error. I disputed it with the XXXX credit bureaus and they made no change because World Omni Financial indicates that I made the payments after the 30 days despite also submitting this correspondence to the credit bureau themselves.
09/09/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30044	Web
XXXX XXXX I requested Validation not verification pursuant to the fair debt collection practices act, 15 USC 1692g from World Omni Financial Corp dba South east Toyota finance after they attempted to collect a alleged debt sending me a postcard in the mail. I sent a Cease and Desist and invoked my specified remedy as a consumer and the original creditor. I demanded they complete the form sent along with copies of all requested information, assignments and transfer agreements. I told them there claim can not and WILL NOT be considered if any portion of the form was not completed and copies returned. This was notarized and sent certified mail. XXXX XXXX I received a response from World Omni Financial Corp stating they have processed my request to cease communications related to my account. They did not return any requested documents or completed forms. They claimed they are not required to do so. XXXX XXXX World Omni financial stole my property along with my personal belongings. They unlawfully repossessed my vehicle from my mothers home and disabled my property after processing my cease and desist letter. XXXX XXXX I spoke to supervisor XXXX XXXX for the return of my property and she stated they processed my cease and desist. 15 USC 1692c ( c ) ( 2 ) In my cease and desisted i invoked my specified remedy demanding the title of the vehicle lean free and deletion from all consumer reports. I asked Mrs. XXXX why are they breaking federal law by not honoring my cease and desist, she stated they are not breaking federal law. She said they reposed the vehicle and i dont have any rights to get my property back. This company and its employees have conspired against my rights as a consumer 18 USC 241 and violated FDCPA laws.
05/18/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 33168	Web
I bought a used XXXX XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX and I was been told by the salesman the total amount is {$12000.00}. I was asked to put % 10 down. I paid {$1200.00} down payment. So, I had a remaining of {$10000.00} left on the car. I asked for a paper and statement that said that. the salesman told me I would receive it in the mail. When I received the statement in the mail, Southeast Toyota finance sent me a bill of {$18000.00}. I went to the dealer and showed the salesman the {$18000.00} statement. .He said he will take off {$3000.00} out of it. He will send the paper to southeast Toyota finance to adjust it. What a scammer! In XX/XX/XXXX, southeast Toyota finance repossessed my car and I called the same day to pay off the total amount of the loan to get my car back. They refused to get the payment from me. They said, they will call me back in three days which they never did. They sold my car for {$9300.00}. Now, They say I have to pay a remaining of {$8000.00}. They reported a repossession in my credit! .Southeast Toyota finance and XXXX XXXX XXXX XXXXXXXX are fraudulent companies. They worked together to scam people. I wished I had read reviews before financing with that company. Other customers complained for the same situation They will give you a call back in three days to make the payment which they never did. Next thing you know they sold your car and they sent you almost or the same amount as deficiency. My car was sold for {$9300.00} without notice, and it could have sold for more. They say I have a remaining balance of {$8000.00} and more as of right now. They are still charging interest rate and fees and so on. Specially in this pandemic This company needs to be shut down!
08/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33617	Web	Servicemember
This vehicle was traded in for a new XXXX XXXX, also leased at XXXX XXXX of XXXX XXXX on or about XX/XX/XXXX. XXXX XXXX requested the end of lease payoff amount to Southeast Toyota Finance and then send them a check for the amount requested, and the checks were cleared by Southeast Toyota Finance ( SETF ). On XX/XX/XXXX, I was contacted by SETF to inquire where was the vehicle, I explained that the vehicle was traded in last year, therefore I didn't had the vehicle on my possession, or had any knowledge of the vehicle whereabouts since it should have been turned in back to them by XXXX. I recently received a letter from SETF showing a charge of {$1700.00} for miscellaneous, which after calling them I couldn't obtain the detail of such charges ; I tried to resolve this in several instances and they ended reporting as a negative remark on my credit. On the XXXX side, I have an approach to Mr. XXXX XXXX, part of the management team at XXXX XXXX XXXX XXXX, who provided me copy of the agreement, and cancelled check, however he couldn't provide information when the car was actually returned to SETF, and why it wasn't turned in in a timely manner. to establish responsability. SETF did not posted the payment timely either, A XXXX report sent by Mr. XXXX it shows that the car was sold by SETF on XX/XX/XXXX, with a mileage of about XXXX miles ; when I turned the car at XXXX XXXX it only had about XXXX miles, this clearly demonstrate that the car was in use for all this time, without my knowledge. I have contacted XXXX to initiate a dispute requesting them to change the damaging information on my credit, very damaging now that I am in the process of buying a new home, however it still in process.
07/05/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 322XX	Web
I cosigned for a vehicle for my roommate. He had a good paying job and I was taking him back and forth to work. He was turning his life around and tried to assist him by helping him build his credit and assisting him in getting a vehicle. He had occasional trouble paying but I would help him when I was alerted of the trouble. My roommate moved in with his girlfriend and I thought he was making payments. Then one day I woke up to a call from my former roommate that his car was gone. It had been repossessed. I called XXXX XXXX XXXX in XX/XX/2017 to ask what had happened as I had never been alerted to any late payments or a pending repossession. I let them know that if I had been alerted I would have made the payments. They did not create a plan for me to get the vehicle back, only kept repeating " You should have made the payments. '' I was alerted that I needed to go to a hearing on this matter. It turns out that they could not find my former roommate so they were going to make me responsible for the entire remaining principal debt after resale of the car ( {$14000.00} ), attorney 's fees ( {$750.00} ) plus cost ( {$430.00} ), and pre judgement interest ( {$370.00} ) totaling {$15000.00}. I do not feel that I am responsible for this debt as I tried to make arrangements with them to make payments. I also feel that I should have been alerted when the account was in jeopardy. Finally, If anyone is to be responsible for these payments I feel it should be the primary borrower. The only reason the court said I am responsible is because I was a good citizen and showed up. Since they can't find the primary ( even though I told them where he was XXXX they said I am fully responsible for the debt.
01/17/2017	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	SC 29170	Web
I co-signed an automobile lease for a new XXXX XXXX with my adult daughter in XX/XX/XXXX. The lease was with Southeast Toyota Finance aka World Omni Financial Corp. My daughter drove the car and made the $ XXXX monthly lease payments on time. She was involved in an accident in XX/XX/XXXX and the car was deemed a total loss. She continued to make her lease payments as directed. In XX/XX/XXXX, our automobile insurance company, XXXX, paid {$13000.00} to World Omni Financial Corp. World Omni claims that on XX/XX/XXXX it mailed one {$800.00} final payment invoice ( which they say was the difference between the XXXX payment and the actual value of the car ) to my daughter 's address and posted a copy to my address. World Omni Financial says the due date was XX/XX/XXXX, less than 30 days later. Neither my daughter nor I received that bill in the mail from World Omni Financial and they did not attempt to contact us about any past due amount using the multiple email addresses and phone numbers they company has on file for each of us. Instead, without a second notice or attempt to communicate, World Omni Financial listed the debt as a " charge off '' and reported the account as delinquent to the XXXX credit bureau. I learned about the matter when my credit protection service alerted me to the delinquent account report, a first ever on my more than 40 year credit history. Though World Omni Financial had already written off the debt by the time I contacted them, I subsequently paid it off through a third-party vendor they use -- XXXX XXXX ( confirmation # XXXX ). Had World Omni Financial called or otherwise attempted to contact me before all of this, I would have paid them what was owed. I always do.
11/11/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	SC 29349	Web
On XX/XX/2022 around XXXX XXXX to purchase a vehicle that is dependable because the one I just got is not. I found a truck I really liked it reminded me of my old truck that i no longer have, it was a good truck. Then we went inside and filled out the application where I told him upon completion as I was signing for consent to run the credit check to only run it once. They assured me that they would then they ran it through TOYOTA XXXX XXXX as well as SOUTHEASTERN TOYOTA FIN as I learned through XXXX XXXX. At this point I was informed I would need a large down payment with the credit score they pulled. to which I handed them a copy of the following violations along with some definitions from this website and XXXX XXXX XXXX XXXX A SHORT LIST they took adverse action against me in denial of credit as codified in 15 USC 1691c and is also civilly liability under 15 USC 1692k. they are subject under criminal liability under 15 USC 1691 as I have proof that I was denied credit due to the response I received as well as the print out of denial. they are in violation of 15 USC 1681m and 12 CFR 1002 because I the consumer made an application in good faith, but credit was not extended to me. Furthermore, my social security number ( credit card ) was used and I received no benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of SOUTHEASTERN TOYOTA FIN AND TOYOTA XXXX XXXX I have reached out to TOYOTA who reached out to TOYOTA XXXX XXXX and SOUTHEAST TOYOTA FIN gave me a run around. I am also aware they are in violation of 15 USC 1681n and 15 USC 1681o, along with a whole list of other violations. Thank you for your assistance in this matter.
11/14/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 33161	Web	Older American
1. On XXXX XXXX, XXXX my car was repossessed by World Omni ( XXXX XXXX XXXX XXXX ) from my home in XXXX XXXX, FL. 2. Their clam is that I was mailed A Notice of Our Notice to Sell on XXXX XXXX 3. They claim that they mailed a Repossession Accounting Statement on XXXX XXXX, XXXX I have written several letters ( attached ) disputing their claims When you see their paperwork it clearly says XXXX XXXX XXXX. This not my address I have constant problems with this as my mail gets delivered to XXXX XXXX I did not receive any correspondence from World Omni concerning my car. I was deprived of my right to recover the car by making monetary arrangements or paying off the balance within the allotted recovery time When they sent their answer to my correspondence on XXXX XXXX, XXXX it was received by me because it had the correct address which is XXXX XXXX I have asked them to provide proof that I received the following documents by certified or signature proof of delivery 9-506. EFFECT OF ERRORS OR OMISSIONS. 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. These documents are required by law by the UCC Code and must show proof of delivery or the repossession is a violation of law. I further asked that the record be removed from all the credit reporting agencies immediately. They have refused to acknowledge that this charge is disputed with credit bureaus and is inflicting harm to my ability to get loans of any kind I fully intend to sue if this is not resolved as this is causing me mental anguish as well as monetary hardship
07/10/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NC 28540	Web
I have XXXX automobiles financed through World Omni Financial XXXX Southeast Toyota Finance - SETF ). XXXX accounts are showing payments made on time as XXXX days late XXXX. I have contacted XXXX on numerous occasions and while they state I am correct that these payments are not late the customer service representative and supervisor state that I must dispute this with the bureaus as they supposedly have no control over how the bureaus report accounts. They have refused to contact the XXXX credit bureaus to have this corrected and reported accurately even though they admit that the payments were made on time. I would like the late payments removed for XXXX and XXXX XXXX corrected immediately as you can easily see on the statements from SETF, these payments were made on time. Afterwards, I would like all of my payments reviewed and corrected on my credit report. With the most recent obvious errors made by them, I now question the accuracy of all reported late payments. I do know there were a few late payments in either XXXX or XXXX, but not as many as they are reporting. With their refusal to correct the issue on my behalf, I would like to know if they are being truthful in their statement that they can not have the errors corrected. XXXX accounts have been paid through XXXX of XXXX. If there is a way to show these on time payments as well, I would like for those to show as well. I am currently paying for credit reporting services to monitor these accounts closely. If it is found that the lender could have easily corrected these inaccuracies, I would also like to be reimbursed for all costs associated with these errors. Thanks in advance for your assistance.
11/02/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	FL 33411	Web
I, the consumer and natural person, was denied credit by XXXX XXXX XXXX 's finance department when i applied for a car loan. Adverse action against me, the consumer is against the law according to the equal credit opportunity act which is in 15 u.s.c 1691c and is pursuant to civil liability under 15 u.s.c 1692k. XXXX XXXX XXXX are subject to criminal liability for violating 15 u.s.c 1691 as i have proof that i was discriminated against by XXXX XXXX XXXX due to the response i received. XXXX XXXX XXXX is in violation of 15 u.s.c 1642, u.s.c 1681m and 12 CFR 1002 since I, the consumer, made an application in good faith, but credit was not issued. Due to my social security number, Credit card, was used and i received NO benefit. this is proof of fraudulent activity, unauthorized use of credit card, on behalf of XXXX XXXX XXXX. If XXXX XXXX XXXX fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, social security card, i will indeed make XXXX XXXX XXXX criminally and civilly liable for all actual damages pursuant to 15 u.s.c 1681n and 15 u.s.c 1681o. I also Expressed to not shotgun my credit report to other banks but they still went ahead and ran my credit report through a multitude of banks like XXXX XXXX, XXXX - XXXX XXXXXXXX XXXX XXXX, SOUTHEAST TOYOTA FINANCE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX. I also called XXXX and they told me that these inquiries were validated which they should have not since they were fraudulent and didn't want to remove them as i demanded since they don't belong there because i didn't benefit from any of those inquiries.
08/18/2017	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with a trade-in	FL 32221	Web
We received a call from a sales representative in XXXX XXXX that they can give us a new car for and trade in the car we already purchase with them and they will give us credit. We had purchase a XXXX XXXX and trade in the XXXX XXXX we were paying I will attached the copy of the note on the papers they showed credit for the amount of money we already paid for the XXXX and they did not explained they will also charge for the rest of the money we owed on the XXXX ; but they keep the car for themselves and we have to paid for the money they will sale the car and keep for them. We did have to paid {$2000.00} for the down payment from our credit card and total payment for a XXXX XXXX will be {$34000.00} that is the most expensive XXXX I can imaging. The government should penalized car companies to still the money form consumers specially from old people they do not explain things at front and after they make you sign in a rush and you do n't have time to read and complaint. We need the company to lower the money they are charging for the XXXX XXXX they took and sale and keep the money for themselves to be more rich and consumers to be struggling with the payments. My husband is XXXX XXXX XXXX and just got a XXXX XXXX and we have to paid {$18000.00} form our pocket that we do n't have it and have to paid. They also have an advertising that guarantee for 5 years of service and after we got the loan they stated is only 2 years. I will attached note and copy of the bill we had paid 20 payments and still owe XXXX x $ XXXX this is a big abuse the congress need to take care of to protect consumers. I hope you can help us with this financial struggle.
01/29/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	FL 32216	Web
I had always paid my car on time and this was my 2nd car financed through Southeast Toyota Finance company. I was laid off from a job and called the company and asked to skip a payment. They told me ( on a recorded call ) that I could pay a little over {$200.00} to skip 2 payments but I had to fax a letter in telling them why. Later, I discovered they marked my credit report 60 days late after taking my money. I called again ( call was recorded by them ) and I was told I used the wrong verbiage in my letter therefore despite paying for skipping 2 payments so it would n't affect my credit, they not only took my money but reported to my credit bureau that I was 60 days late. Since that violates the fair practice law and was deceptive in nature, I told them since they already damaged my credit I would voluntarily surrender the car because I had paid them for 2 years, on 2 cars, on time and the first time I had financial problems they took advantage of me by having me pay to skip payments to protect my credit only to state later that the verbiage on my letter was not exactly what they wanted so I was reported as 60 days late. Then, they sold this 2014 XXXX in perfect condition, with a little more than XXXX miles on it for only {$15000.00} and are now coming after me relentlessly for {$19000.00} when the car was not even worth {$34000.00}. They are doing this to a lot of customers. They ca n't take money to skip payments, then turn around and say wrong verbiage made the agreement null and void and report people late on their credit reports after taking their money. What they did to me violates the CFPB deceptive practices regulation.
05/20/2015	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	FL 334XX	Web	Older American
XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX XXXX. no. XXXX, Finance Mgr : " XXXX '' ; Sales Agent : XXXX XXXX '' leased me and my spouse XXXX XXXX XXXX XXXX a XXXX new XXXX XXXX XXXX, accepting the surrender of a XXXX XXXX XXXX in late XXXX. The later vehicle was on a 36 month earlier lease and was not due for expiration until XX/XX/XXXX. However, the Sale Agent and Finance Mgr. offered to accept the XX/XX/XXXX on that day and accept the vehicle in exchange for the leasing of the new XX/XX/XXXX model. The terms included my payment of {$1200.00} and new lease payments of {$340.00} per month going forward. We accepted their offer at which time they inspected, photographed and took full possession of our XX/XX/XXXX XXXX. There was ABSOLUTELY NO STATEMENT REGARDING ANY DEFECTS REGARDING THE PHYSICAL CONDITION OF THE SURRENDERED VEHICLE. Neither myself, my wife, nor the dealer 's agents found any physical fault with the vehicle being surrendered for lease termination. HOWEVER, 2 day ago I received a bill from SOUTHEAST TOYOTA FINANCE ( the leasing source ) totalling {$820.00}. Their notice demanded payment without delay. Since neither the dealer 's agents who inspected and accepted the vehicle XXXX months earlier as witnessed by myself and my wife observed no physical damage when surrending same, IT IS UNCONSCIONABLE FOR THE LEASING COMPANY, SOUTHEAST TOYOTA - phone no : XXXX to solicit such payment from we, the good-faith contracting consumers. Please remediate this matter on our behalf. I contacted the Sale Agent, " XXXX XXXX '' who claimed ignorance of this issue.
07/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27870	Web
On XX/XX/XXXX I requested a copy of amount of money owed before financed amount was XXXX original contract is XXXX. After several series of events to service on my car. I started researching the sale paperwork. Several service that was denied was on the contract paperwork. On XX/XX/XXXX the owner of dealership lied to our Department of Justice in a letter. Lied about the XXXX XXXX protection, Lied about XXXX XXXX Warranty that I was charged for. Lied about mistakes made on XXXX Insurance. I reported this information to the Loan provider that the sale contract was incorrect acknowledgement made on XX/XX/XXXX. The Owner advised department of Justice that he sent the finance company a refund on the incorrect gap insurance. I have had 5 reply letters that the loan company was investigating this matter. I Paid a payment on XX/XX/XXXX and parked the car at my nearest XXXX dealership. I gave them 30 days to address the Service and Sales Contract they failed to address the matters. According to our state Lemon Law within the first 24 months Service and Contact issues must be resolved. They failed to address Lawful requests. Now It is against the Law to lie to any Law enforcement agent.Evidence and contracts support. And on XX/XX/XXXX this company is allowed to continue breaking the Law and being unjust. Given this companies history of discrimination and the failure for me to get Justice. They continue to break the Fair Credit Reporting Act. Even with all the evidence of a unjust contact. They are still allowed to damage my stellar payment history and good name
11/24/2015	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	FL 34293	Web	Older American
I called Southeast Toyota Finance to arrange for the turn in of my leased XXXX XXXX. I was given a payoff quote and had that money immediately withdrawn from my bank account which they were able to do since payments were automatically debited from the account. That was on XXXX XXXX so at that point my balance was XXXX and that transaction was immediately reflected in my XXXX account. On Monday, XXXX XXXX, another payment was withdrawn from my account because in the process of closing they had not stopped the automatic debit. I called today XXXX XXXX and was told that I had to prove to them that the transaction had cleared by sending a complete end of month bank statement. How ridiculous! I bank online, they take my money online, and they want me to wait till the end of the month and fax them a paper end of month statement which I print online to prove that they have my money which they can find out just as easily as I found out about the error looking at my account online. This whole situation is absurd. They actually had the nerve to tell me that I should have stopped automatic payments but when I told them that I just had done that online they told me that my online action had no effect until they took action. Well, obviously they are in no hurry to take action in stopping erroneous debits to my account. They took my money in error, they know that they took my money and they want me to prove it????? I have attached a copy of a screen dump of my account ( which they said is not adequate proof! ) showing the payoff payment and the overpayment.
11/19/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	NC 28208	Web
I am a consumer as identified in FDCPA 15 USC 1692 a ( 3 ) and I have a right to privacy pursuant to 15 USC1681 ( a ) ( 4 ). XXXX XXXX XXXX XXXX is in violation according to the XXXX XXXX for comprising my information to XXXX. I have never given any consent for them to share my information in writing. They have damaged my reputation of not being able to apply for any loans and investments. I am contacting my lawyer and you will be getting information sent in the mail because of my damages for breaching my information. I have suffered financial losses and other harm as a result of consumer fraud or violations of consumer protection laws. Also Financial institutions are required to take steps to protect the privacy of consumers finances under a federal law called the Financial Modernization Act of 1999, also known as the XXXX Act. The FTC is one of the federal agencies that enforces provisions of XXXX XXXX , and the law covers not only banks, but also securities firms, and insurance companies, and companies providing many other types of financial products and services. Under the law, agencies enforce the Financial Privacy Rule, which governs how financial institutions can collect and disclose customers personal financial information ; the Safeguards Rule, which requires all financial institutions to maintain safeguards to protect customer information ; and another provision designed to prevent individuals and companies from gaining access to consumers personal financial information under false pretenses, a practice known as " pretexting. ''
11/21/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	FL 349XX	Web
XXXX XXXX XXXX, in XXXX XXXX Florida scammed me into a bundle that I did not need I was told with or without what they put on there I was to end up paying the same amount which left me no choice but to get the one that said it would be a better person for me and cheaper, but it turns out that was not the case at all they ended up borrowing more money from the bank for my loan the finance guy told me with a bundle I would end up paying way less interest, but never told me I would be borrowing more money instead originally it was supposed to be for XXXX and change the ended up borrowing {$53000.00} and change after looking at my contract I noticed thats what they did I went back and asked them to remove the surface protection, exterior protection, and the key replacement that they added to my plan a new finance manager told me they were not able to remove it, and even if they did, it would not make any difference. I told him OK nothing was ever added to my car because I purchase my car late at night and all the departments was already close he tried telling me that they added the surface protection even before I took my car home so I asked him how come I was charge for some thing that was already put on before I purchased it he had no answer for me. He simply told me that it can not be removed from my loan because I already signed for it. These finance managers are crooked. They should be ashamed of themselves taking advantage of people like that, and drowning them in debt thats was not necessary but is good for their gain
05/11/2016	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	FL 33021	Web	Older American
In XXXX XXXX I leased a XXXX XXXX XXXX, through the finance department XXXX XXXX. The lease was for 39 months with an initial payment of {$3000.00} and 39 monthly payments of {$270.00}. The total amount I paid for the lease of that vehicle was {$13000.00}. In XXXX XXXX, XXXX, when the lease ended I gave back the car in perfect condition : interior, exterior and mechanically, according with the inspector that Toyota sent for the inspection. Now Toyota finance is asking me to pay additionally {$350.00}, in order to move their vehicle from the dealer to a place for an auction. I consider the requirement of that payment is abusive, for these reasons : XXXX I paid always on time. _ The car was in perfect condition when I gave back to Toyota. _ I paid all the services for that vehicle in Toyota 's service department, according with their own maintenance schedule. _ I paid the last month, even though I use the car only for 15 days. _ More important, I gave back the vehicle without using XXXX XXXX miles, that I was entitled to use ; therefore, Toyota has a big plus, because with the saving of that mileage Toyota gets, at least, {$2000.00} or {$3000.00} more when they sell the car. Toyota is taking advantage of a good customer, forcing me to pay {$350.00} on top of all the big amount I already paid. This company is using abusive, greedy and lack of consideration practices. Notice : The amount Toyota is asking me to pay was included in small letters in a XXXX pages contract that I signed, but, unfortunately I did n't read.
07/01/2016	Yes	Consumer Loan Vehicle lease	Taking out the loan or lease	FL 32174	Web	Older American
Went to Toyota XXXX, XXXX XXXX FL to lease a car. Saw an ad on TV for two year lease, low monthly and low down payment. Sales Rep XXXX XXXX went to computer, asked my SS # to find out my credit rating. I told him " excellent. '' The sales mgr entered and asked, " Did she pick out a car, a color? '' I did. I wanted to nail down low down payment and low monthly payment on two year lease. Sales mgr replied, " How much do you want to pay? '' Can you put XXXX down? '' Then he asked for my car keys on a XXXX that was at the end of a 39 month lease that would expire in 3 months. Sales Mgr who took over the deal, never told me what residual value was on the Nissan Altima, just, '' I 'll take care of it '' When I got tired after two hours in the showroom, I said I wanted to think about the lease and asked for my Nissan keys and they said, " We put plate on new Corolla. I was tired and I caved. I went to the finance manager XXXX XXXX. His first words to me were, " we have XXXX cameras in the ceiling. '' I felt intimidated. I signed a sheaf of papers and went home with the Toyota. The next day I saw in my paper packet, XXXX signed copies of a " Total Care '' package costing {$530.00}. I went back to dealer. They took {$18.00} a month off the three year lease payments when I wanted a two year lease as the TV had said. Oh, XXXX XXXX gave me XXXX copies of the Total Care package I had signed three times. I feel this was to intimidate. As if to say, " Do n't come back here complaining about this, you signed three times! ''
07/27/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	NC 275XX	Web
I have asked for extensions on XXXX different occasions. The first one this year was in XXXX of this year, the second was in XXXX and the third was in XXXX. In XXXX, I asked for the extension, which was granted, I paid the extension fee and thought all was well. A few weeks later I checked my account and noticed I was still passed due. I called and they told me that the extension did n't go through because I did n't pay the fee fast enough. I went ahead and paid the rest of the payment. When I made the extension in XXXX, it was the same thing. I called and was told something went wrong and it did n't go through. I was told by one rep that I could get it in XXXX and since I had some money that was put to principle in XXXX, I would only owe {$33.00}. When I received the form for the extension, it still said {$310.00}. I called back and spoke with another rep that told me she would credit me both of the extension fees and do an extension for two months because the extensions did n't go through due to computer errors while they were upgrading and it was n't my fault. When I received the extension paperwork, it was for two months but it said I owed {$310.00} and I was n't supposed to pay anything. I paid the {$310.00} and the extension still apparently still did n't go through because the amounts due have not changed. I have asked in the past for them to check the notes and go back and listen to the phone conversations to confirm what I was told but it never happens.
08/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33460	Web
I relentlessly have been trying to get " XXXX XXXX '' to update my account to the 3 Credit Bureaus. I was in a car accident XX/XX/XXXX. My vehicle was totaled. I had proper car insurance with XXXX and I also had XXXX insurance that I purchased when I first financed the vehicle. XXXX and the XXXX insurance took care of the amount left that was owed on the vehicle. I only had ONE payment left to pay and that was the pay-off amount ( {$440.00} ). I paid that amount. When I finally was ready to go shopping for a new car ; they pulled my credit report and it shows that " XXXX XXXX '' has not updated my credit report since XX/XX/XXXX ( way before my car accident ) and it 's showing that I still owe on the vehicle and that I have late payments! I need for " XXXX XXXX XXXX '' to update my account with the 3 credit-bureaus already. When the insurance companies did their part and I made my last payment they immediately closed my account because obviously we were done doing business ; but they have not updated my account. This is not fair and it is a burden on me because I am a XXXX old living with XXXX and I 'm unable to get another car at the moment because " XXXX XXXX XXXX '' is affecting my credit score. I have to XXXX to work and XXXX which I receive three times a week while I am waiting on a XXXX XXXX. Having to continually push off getting another vehicle is frustrating, especially when my account is PAID OFF and I owe nothing. I need help resolving this problem.
06/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33025	Web
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. ACCOUNT NAME : WORLD OMNI FINANCIAL, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # XXXX, DATE : XXXX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. ACCOUNT NAME : THE BUREAUS, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX.
07/18/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	GA 30004	Web	Servicemember
This vehicle was deemed a total loss due to an accident on XX/XX/19. I immediately initiated the total loss process with all parties ( Southeast Toyota Finance, the insurance company, the dealership and the gap carrier ). I checked back on the online platform for Southeast Toyota frequently to see if funds had been received. I was expecting a cancelled aftermarket product, the insurance settlement and the gap payment. However, the payment due date did not change. I was still expected to make my monthly payments but the aftermarket product cancellation and ultimately the insurance settlement were posted as payments. This is very misleading. I assumed they were " holding '' the funds on the account until all funds were received and could be applied back to the accident date. After I discovered the account was paid off I asked if the funds were posted back to the accident date and had my request denied twice from the lienholder to do so. They have refused to apply my total loss proceeds to principle mostly with the accident date as the date posted. However, the gap was filed from the accident date and the product was cancelled with the accident date. How can they remain on the account for the date those funds were received and it be fair practice? Also, why can those funds only be applied as payments but I am still required to make a monthly payment? Lastly, as it is my loan, don't I have the power to request how those funds are posted within reason?
12/08/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NC 28217	Web
The company I work for purchased several radio stations from a company selling off all it 's inventory. Included with that sale was a XXXX pickup truck. During closing, the main focus was on all the regulatory paperwork with the FCC, XXXX and other companies regarding the radio stations and transmitters, and the XXXX was over looked until it was time to re-register and re-title the truck in the new companies name. At that time, it was noticed that we only had a copy of the title, and not the original. We worked with a previous XXXX of the company to get the required title paperwork willed out and notarized. However, the truck was originally financed through World Omni Finical Corp., and was paid off XX/XX/2008. I have tried over a dozen times to contact World Omni Finical to get a letter stating that the truck is paid for and they have no further interest in it. All I get for the several hours on hold is the run-around, with out anything ever happening. We currently have a bill of sale, a copy of the title showing it was paid off in XX/XX/2008, current insurance in our name, and a partially filled out and notarized replacement title request. The only thing holding us up in getting the title transferred is a letter from the previous lien holder ( World Omni Finical Corp ), releasing all claim to the truck. I am asking for help in getting World Omni Finicial Corp to produce this letter, so they are not longer preventing us from using our own truck!
06/21/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33025	Web
In XXXX XXXX World Omni Repossessed my car on the 30th day of it being late. I called the company explained that I was making the payment the same day and they still took the car. I went through the necessary steps and paid an outrageous amount of money to get my car back that same exact day. World Omni reported from that day forward to all three credit bureaus that the vehicle was " redeemed or repossession '' in the remarks. The account is showning closed with a high balance. The issue is I have been paying on this car on time every month with NO repossessions since the XXXX XXXX incident. I called the company, customer service told me the issue would be rectified FIVE times. Every month my credit score is suffering due to this closed account with a high balance. I have been disputing the account every month as well asking the company to please update the information to reflect true. The company has refused to do so. Every time I speak with a representative I ask for an amortization schedule as well as my payoff amount. I am being told by numerous reps they do not have an amortization schedule but will send a principal and interest breakdown for my last payment. I have yet to receive this information and I 've been asking for it since the loan opened in XXXX. The payoff that I am being quoted is with interest. When I explain that the payoff amount should not include any interest as it is being paid in full I am never given the correct amount.
11/09/2015	Yes	Consumer Loan Vehicle lease	Problems when you are unable to pay	GA 30809	Web	Servicemember
I obtained a lease from XXXX XXXX XXXX on XX/XX/XXXX. I completed all of the paperwork on XX/XX/XXXX but they kept having problems so the lease date was n't started until XX/XX/XXXX. I received orders to go to XXXX in XX/XX/XXXX. I submitted all of the paperwork that they required in order to turn in a vehicle under the Servicemember Civil Relief Act. After submitting the paperwork I was told that I did n't qualify since the date on the orders was XX/XX/XXXX. I called and explained to them that Soldiers do not get orders on the same day that the orders are published and that it can take months to trickle down to the Soldier. XXXX XXXX told me that they would not allow me to turn it in and they gave me two options, either try to finance the vehicle or to leave the car in the states for the three years while we are gone. We have tried to finance the vehicle but there is no one that will finance a vehicle going overseas. We have even thought about leaving the vehicle behind but there is no way that we could afford a {$700.00} car payment, {$250.00} insurance and {$150.00} storage fee. Not to mention there is no way for the vehicle to be started to it would run into a lot of mechanical issues by just sitting and we will not be in the states in three years to return the vehicle. The only way I am able to make this work is to drop it off and have it voluntarily repossessed but that would ruin the security clearance that I have with the military.
04/19/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	SC 29841	Web
On XX/XX/XXXX I electronically paid off the entirety of the debt on my car, on XX/XX/XXXX the money cleared my bank. monday XX/XX/XXXX I go to the dmv to get my title and the DMV tells me that omni has not released my title. As soon as they electronically release my title I will be able to get my title I call omni on XX/XX/XXXX and they tell me they can nor release my title for several weeks because they have to make sure the bank can not recall the money, but if I go to the bank and get the bank to say that they will not ask for the money back they will release my title all I have to do is fax them a statement from the bank showing that the payment is good. I go to the bank get a statement showing that the money actually came out of my account, the bank manager assures me that they can not recall that money, then they put the bank stamp on it. The omni person told me to put her name on the fax, " XXXX '', and I was to fax it to XXXX, with early release, and proof of payment/cleared bank highlighted on the paper I sent it. She said that they could get it released by the next day. I call then ext day on XX/XX/XXXX and now a new person says that they wont even get the fax for 72 hours. They are just making me run around and jump through hoops. I need my title now, not several weeks from now. All they have to do is press a button to release my title electronically and they refuse even though they have the money, and proof its been paid.
08/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33313	Web
Southeast Toyota finance has taken these actions on my credit report after I filed for a complaint. They reported late payment on the disputed Charged off Closed account as vindictive act without responding as I have filed a complaint with FCRA and provided a copy of all mistakes they have reported on my credit report and according to the rules and laws their reporting has to be 100 % accurate the dates are not accurate the type of loan reported not accurate the The balance and the amounts are not accurate as they received from the Gap insurance their money and reported XXXX balance to XXXX took tax credit by their reporting fraudulently without claiming the money they received to continue receive Tax credit with Charged off now you want to claim late payment on Closed account? REALLY? I will sue you all for slandering my credit You are to remove and delete your slander immediately. There is a complaint filed with the XXXX and this account has been disputed You reported that I have never disputed your fraude and your bullying is only good for a good court case! and this should go public so everyone else who you are bullying should know about your corruption! I have attached their late payment XXXX late payment on closed account that is false!!!! they you go another false statement. 100 % accuracy which you failed cause a liar can't tell truth! See attached evidence for false reporting which is grounds to for immediate deletion
05/02/2019	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	FL 349XX	Web
I have been trying to reach XXXX XXXX XXXX to settle a dispute regarding end of lease dispostion fees. I paid entire lease terms on time for 3 years tco insure my credit would remain in good standing despire ongoing issues with leased car.. I now receive letter and phone calls stating they are going to put dispostion fee in collections.. The call i received on XX/XX/XXXX regarding this did not state the persons name whom to call back only a number that she rattled off so quickly i was unable to understand it. that number was XXXX-XXXX-XXXX? and extension XXXX? I have tried several times to call with no sucess.. I have tried many number. .. the letter states to log on to account for info. .. My account is no longer active a i fulfilled my .3 year term with XXXX XXXX..I a had to file a civil suit against dealership to settle matter of faulty tires after spending XXXX dollar on new tires for car with only XXXX miles on it as XXXX would not take any reponsibility.. I did not receive this bill until XXXX and lease car was returned XX/XX/XXXX in perfect condition.. way under alotted miles.. I have been trying to reach XXXX XXXX since receiving this letter and am on hold with no resolve.. Any concerns in past were not addressed and now they are going to ruin my very good credit due to there not ever addressing issues.. I just want this behind me. The entire ordeal has been extremely stressful and has taken a great toll on my health..
01/10/2018	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	FL 33323	Web
On XX/XX/2017, the State of Florida was declared a disaster zone, FEMA-4337-DR ( please see attachment ). After Hurricane Irma hit Florida, I contacted XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and asked for aid concerning the car payments. I was informed that aid was available but that the guidelines were not yet clear from corporate. I was instructed not to make payments and that the they will waive the fees and that my credit will not be affected. In XX/XX/XXXX I informed them that I would make one months payment and during the months of XX/XX/XXXX and XX/XX/XXXX I would pay all that was due. They agreed and this is exactly what I did, ( please see attached credit report ). During the month of XX/XX/XXXX while reviewing my credit report ( please see attachment ), I noticed that they reported late payments so I called customer service. After a long back and forth, they stated that they will not remove the negative information. I explained that I have never been late as the record proves and that the reason for all this was because of a natural disaster that 's out of my control. Even this reasoning would not help and they stated that they will not remove any negative information. My biggest problem is that this company supposedly extend aid during a drastic time but then hurts you by damaging your credit score. This ill action by World Omni has even affected my employment since its credit score sensitive.
10/20/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	NC 28208	Web
Account Name SETOYOTA FIN DBA OF WOFC Account Number XXXX Date Opened XX/XX/XXXX Status Updated XX/XX/XXXX Balance {$8400.00} Collections is not from original creditor. I do not owe SETOYOTA FIN DBA OF WOFC - ( account # XXXX ). Under the laws of the State of North Carolina UCC ( The Uniform Commercial Code Section operates under Chapter 25, Article 9 of the North Carolina General Statutes to provide a method of giving notice of a security interest in personal property to interested third parties. The method adopted is a " notice '' filing system ) and State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I was not given prior warning before the vehicle was repossessed after I told them I was going through financial hardship. I never had a contract with the company that came in the middle of the night and took the car. This company needs to provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
02/01/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	GA 30114	Web	Servicemember
Purchased vehicle from XXXX XXXX in XXXX, GA in XX/XX/XXXX. Financed through Southeast Toyota Finance. XXXX XXXX sent wrong mailing address to Southeast Toyota Finance despite specific instructions. I was not aware of this error and began making payments according to loan paperwork provided by the dealer. Payments were made monthly via online banking from XX/XX/XXXX to XX/XX/XXXX. I did not notice that the XX/XX/XXXX payment was not deposited by Southeast Toyota Finance. I discovered the error while trying to log on to their website on XX/XX/XXXX. Contacted the Southeast Toyota Finance Customer Care Department. Was told by XXXX XXXX that the finance charges ( {$450.00} ) had accumulated from XX/XX/XXXX. XXXX stated that they had received returned non-deliverable mail that was sent to the wrong address in XX/XX/XXXX. XXXX also stated that they had attempted contact by phone in XXXX and XX/XX/XXXX but were unsuccessful. I have received no voicemails or emails from Southeast Toyota Finance indicating that my account was delinquent. The Manager of Customer Care, XXXX XXXX, offered to reduce the fees by one half, but insisted that I should have contacted them and bore responsibility as the customer. I told her that it was only by chance that I knew about the fees, and had no indication that there was a reason to contact them. I have sent the missing payment and it will arrive on XX/XX/XXXX.
01/03/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	SC 295XX	Web
In XXXX I financed a XXXX XXXX XXXX XXXX from XXXX XXXX off XXXX XXXX in XXXX XXXX, SC. Part of my finance package is free oil changes with XXXX power train and 7 year engine warranty. I bring my XXXX XXXX XXXX in to the dealership garage for oil changes, I have realized that XXXX has been stealing parts off my vehicle, some parts are just not on the car and some parts are swapped out with old XXXX parts. A lot of parts/ components are missing now. My fuel line is a open system. To many missing parts to lists. I was thrown off XXXX XXXX property and told to call an attorney. Toyota finance said they can not uphold the warranty that XXXX XXXX agreed to. Which is a contract breach. The dealership is not fit to service the vehicle and I need an oil change now and my car back too. Toyota finance says the dealership has the title. I need the title, and a new car. Now. Please do the right thing. XXXX denied my claim, terminated my policy, threw me off their property and told me Im not their customer. I told StateFarm I need my coverage payments returned and XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX threatened to XXXX me off the property. Please kill two birds with one stone here ... Both parties are atrocious and need to be brought to correction. Please sue their pants off. Now. Please respond by email to XXXX Sincerely, XXXX XXXX
03/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	GA 31904	Web
XXXX XXXX made a {$1000.00} payment to Southeast Toyota Finance on XX/XX/XXXX. This payment was reported back to me via email as successful. My normal payment at that time was around {$350.00} Upon learning that my credit report had been severely impacted on XX/XX/XXXX I contacted Southeast Toyota Financing only to learn that my payment of {$1000.00} had been " reversed '' on XX/XX/XXXX. ; SETF could not supply a reason as to why the reversal occurred and my bank knew nothing about the payment. I was not contacted about this reversal in any way. In fact, on XX/XX/XXXX I received and email with a confirmation Number ( Confirmation Number : XXXX ) for the {$1000.00} payment. There was never any mention of reversal after that point. Instead of contacting me as they had already done with the confirmation number and an email on XX/XX/XXXX that my account needed attention, they simply reported a thirty day delinquency on my account for XXXX XXXX and then another 30 days late for XXXX.. My credit report shows 60 days late now and my credit score dropped from XXXX down to XXXX. Southeast Toyota Finance appears to lack the sophistication or technological staffing to notify customers about serious matters such as payment reversals. It should also be noted that I have never been late paying them, or anyone else in over 10 years.
07/23/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 33134	Web
I am sending them money, but they are not processing it or applying it to my account, they will not acknowledge the payments. They are more than happy to report to all the bureaus ( Fraudulently ) that the account has not been paid saying it is a charge off when it is not because they have the money. I have proof that they received the funds from money gram ( which they are not acknowledging or processing ) they are lying about they day they closed or charged off the account because they mailed me a letter on XX/XX/2023 requesting a payment which I sent. They blocked me to my online account months ago so I can not see what they are doing with my account or how they are applying my funds. My bank confirmed they cashed the cashiers check the DAY AFTER they received it which is XX/XX/XXXX, XXXX but have not applied it to my account. I have confirmation from XXXX that the money was sent, but they have not processed it so another {$400.00} is sitting waiting for them to process it ( which was sent back in XX/XX/2023. I want the funds ( now {$3400.00} ) applied to my account, and the charge off removed- including removed from all credit bureaus but instead to reflect it is paid in full and I want my XXXX released to me, and my title sent to me. I am retaining a lawyer and my next complaint is to the US Attorneys Office.
11/21/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	NC 28412	Web
I went to buy XXXX XXXX from XXXX XXXX XXXX XXXX, NC in XX/XX/2023. After my XXXX XXXX checking I was informed over phone that they will honor the promotional 5.49 % XXXX for the car. The salesman again assured me the XXXX will be 5.49 % when I went to the dealership. When I was there to sign my paper works, the finance person rushed me to sign paperwork that had about a XXXX increased price than which was shown at the beginning by the salesman. After I caught his lie he got angry and misbehaved with me and my friend. I did not leave as they already did credit inquiry and I paid non refundable down payment. Then he offered me a service and again lied about the charge. When my friend said total price do not add up. He told my friend to stop talking. He tried to bully me to buy random insurance packages. At the end I declined to purchase the package. He gave me paperwork and the monthly payment was about XXXX $ higher than expected. I just wanted to leave the dealership, so I signed. After several months I wanted to check why its higher, I realized he increased the XXXX to 5.53 %. I felt cheated and being scammed by the dealership. I left with very bitter experience and felt helpless as I do not have any proof to show their lie and misbehaves. No one saw this incident as they do these paperworks in closed door.
01/17/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	TX 75208	Web
Toyota has been reporting this charge off/Repossession on my Credit report since XX/XX/XXXX. I have sent Toyota several letters for verification of Debt. Last one sent on XX/XX/XXXX. The response I received stated there is no account found with the information given or my account has been found Frivolous. Toyota has Re-Aged this account Toyota states this Account was opened on XX/XX/XXXX Toyota states this Account was Charged off on XX/XX/XXXX, Payment history reported by Toyota to XXXX XXXX as of XX/XX/XXXX XXXX reported Charge Off as of XX/XX/XXXX to XXXX XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX to XX/XX/XXXX, XX/XX/XXXX Last payment date : XX/XX/XXXX Payment history reported by Toyota to XXXX Toyota states this Account was opened on XX/XX/XXXX Last activity : XX/XX/XXXX Dated Reported XX/XX/XXXX Last Payment XX/XX/XXXX High Balance {$23000.00} Payment history reported by Toyota to XXXX Toyota states this Account was opened on XX/XX/XXXX Last activity : None Dated Reported XX/XX/XXXX Last Payment XX/XX/XXXX High Balance {$7000.00} Toyota has continued to re-Age this account and report Major Inaccuracies. I am requesting that this account be deleted from my credit profile.
12/15/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	FL 32818	Web
I came to XXXX of XXXX XX/XX/XXXX to purchase a XXXX XXXX i had a preapproval from XXXX XXXX XXXX and told them that i already had outside financing. They kept pressuring me to pull my credit again to find a competitive rate for the approval i already had i was hesitate and told them i rather go with pre approval but they kept pushing to pull my credit. they ended up pulling my credit and said they couldn't beat my interest rate of 2 % from XXXX XXXX XXXX. They went behind my bank and switch my finance company to southeastern toyota finance without my knowledge with an interest rate of about 6 %. They kept using coercion tactic to prevent me from leaving dealership without signing for the car. Eventually the car got repoed XX/XX/XXXX they sold my information to a third party tow company they came to pick up the car while the car was out in a shopping plaza. There was no explanation the car was just gone and they wouldn't allow me to collect my items from the vehicle after towing it. They damage my property in the car and they sold the car to auction. I sent letters to ask them to validate the debt XX/XX/XXXX the dealership keep saying my claims was baseless and I sent a letter to arbitrate they didn't enter arbitration with me and told me i will be required to pay for all attorney fees
03/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30045	Web
I was a victim of identity theft in XX/XX/2017 in which someone stole person information, filed my taxes and began opening and attempting to open several fraudulent accounts in my name. I have been working with local law enforcement, the three credit reporting agencies and the account lenders. In sending in copies of police reports, federal trade commission reports, proof of my ID as the rightful owner and other supporting documents, over the past two years I have obtained little to no success in trying to successfully remove these accounts from my credit report. I have in writing, on several occasions asked that the lenders send me proof of whatever SIGNED documents that have confirming that these accounts were opened by " me '' and they have not responded or sent me copies of these documents per my request. When I speak with the credit reporting agencies, they simply state that the debts were verified by the lenders but CAN NOT either provide me with the requested documents to corroborate their investigations. I have been denied job opportunities, other loans, and even bank accounts due to these accounts and at this point I want results. I want in writing whatever documents they have that were alleged signed by me and want these fraudulent accounts removed from my credit reports.
04/11/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 320XX	Web
On XXXX XXXX, XXXX purchased a new vehicle from XXXX XXXX XXXX Fl vehicle is financed with Omni World Financial Retail XXXX XXXX XXXX XXXX TN. XXXX. My account number on this loan is XXXX XXXX Toyota Tundra. On XXXX XXXX, XXXX received a credit alert that a new account was reported to XXXX on this vehicle with an ERRONEOUS open date of XXXX XXXX, XXXX? On XXXX XXXX, XXXX received a credit alert that a new account was reported to XXXX on this vehicle and again ERRONEOUS information reported stated new account opened XXXX XXXX, XXXX I did n't purchase the vehicle until XXXX XXXX, XXXX? Today XXXX XXXX, XXXX at XXXX EST I called World Omni Financial/XXXX XXXX XXXX and spoke to a representative on the erroneous information reported to these XXXX Credit Agencies and told her that this erroneous information reported is the fault of Omni World Financial and must be corrected by them! I received pretty lousy service from the agent and she told me that it 's my responsibility to correct these errors and conversation ended! This is a serious matter and why do I have to spend my time and financial resources to correct a problem that is solely the fault of Omni World Financial and some clerk not paying attention neglecting to input the correct information into the Credit Reporting Agencies!
06/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	FL 32210	Web
I've sent 2 identity theft report XXXX of XXXX and XX/XX/2023, I provided them with everything they requested and I'm still getting ignored. So here is goes. XXXX XXXX IS OBLIGATED BY FCRA TO REPORT ACCURATE ACCOUNTING THE CONSUMER HAS ADVISED ALL THE FRAUD. THE COMPANY ACCORDING TO LAW TO REMOVE SUCH ITEMS, FTC FRAUD REPORT WAS FILED ON THE BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING XXXX XXXX TO PROVIDE THE DOCUMENTATION USED TO DETERMINE EVIDENCE ON THE PUBLIC AND PRIVATE SIDE WAS INDEED AUTHORIZED BY THE CONSUMER, XXXX XXXX HAS 15 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON SPOKEN TO, DOCUMENTATION USED, SIGNED WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR AN XXXX REPORT. IF XXXX XXXX DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER SEC TO FOLLOW CERTAIN RULES. XXXX XXXX XXXX NUMBER XXXX, XXXX XXXX XXXX XXXX, MINNESOTA, XXXX. XXXX XXXX ISSUED XXXX XXXX XXXX. XXXX XXXX ISSUED BY XXXX XXXX XXXX. FIXED TO FLOATING RATE PREFERRED STOCK ISSUED BY XXXX XXXX XXXX. I WILL BE FILING FORM XXXX TREASURY XXXX FORMS TO AUDIT CONSUMER ACCOUNT. XXXX XXXX IS SECURITIZING CONSUMER DATA YET REFUSED TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT. BY : XXXX XXXX XXXX, XXXX.
10/11/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	FL 34714	Web
I want to file a complaint against Southeast Toyota Finance is an operating division of World Omni Financial Corp . Account number XXXX, southeast Toyota financial is charging me late fees, on XX/XX/XXXX XXXX when and reality I made two credit card payments on XX/XX/XXXX They did not post my payments on my account, both payments are posted to at principal and not to balance when I made does payments I clear said one goes to principal other to regular payment. But in my opinion it does matter is other way to rip off people like many other This malpractices business must be stopped by the government in charge since is not only me there are many people suffering this late fees charges and other abuses from this bank World Omni Financial Corp . Is impossible to reach customer service and resolve the problem with them no matter how much information or proofs of payments from the bank you give them, they only want to charge late fees as much a possible to as many people they can, We are tired of see these answering over and over the same thing without resolving anything. Today XX/XX/XXXX did another payment of {$250.00} that include late fees when last month I did two payments of {$210.00} Anyway, like always nothing will happen and the best way to go is to court.
06/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28803	Web	Servicemember
Southeast toyota Finance has continued to report a closed account as being late. All three credit agencies has deliq date of XX/XX/XXXX and XX/XX/XXXX. Due date for this vehicle was the XXXX of each month. I was never 30 days late in XXXX. Confirmation number for XX/XX/XXXX XXXX amount {$900.00} ; XX/XX/XXXX confirmation XXXX XXXX ; XX/XX/XXXX confirmation XXXX {$880.00}. I paid off vehicle XX/XX/XXXX with a check from XXXX XXXX. I called them with check number the next day and told customer service lady that i paid it off and got a new XXXX highlander. I also sent an payoff email confirmation XXXX through site on XXXX XXXX and they closed it on the XXXX. I also received a letter dated XX/XX/XXXX that they received payment. I paid off before XXXX payment was 30 days late. I disputed and the late payment on credit report. They came back and put past due no more than 2 late payments. I was never 30 or 60 days late. How can i be 30 days late on XXXX payment if i paid off car and received a check from XXXX. I have the letters and all confirmation payment emails that i can prove. No one from credit bureaus or the company will help. I have to stay on hold for 20 mins just to be disconnected. Please remove off report. I am XXXX XXXX and this is hurting me. Thank you
12/02/2019	Yes	Vehicle loan or lease Lease	Getting a loan or lease Confusing or misleading advertising	NC 28262	Web
I traded my car in on XX/XX/2019 with zero intentions of doing so. The first thing I told the sales person was that I was looking to get all information possible before I made a decision on buying. I never mentioned leasing because I was not familiar with it. I was told they would give me top money of XXXX XXXX XXXX for my car, and they ended up giving me a little over half. In the process I felt manipulated by the idea of leasing, and because I was compressed on time, they went over everything quickly making it sound like it was a great deal, made me lie about my monthly income so I could qualify, also mentioned the car was fully covered under a lease agreement and extra warrantys would not be needed which was not true. I make less than 20,000 a year and now Im stuck with a {$480.00} car payment because they pressured me into making a decision they knew I couldnt afford. Not to mention, they gave me way below the value cost on my old car. They also lied about making my first month payment, when in reality they took it out of my car trade in money with a {$960.00} left over after I reviewed the lease agreement. I have tried to get the deal refinanced but they keep telling me its not possible. I would hate to keep dragging this longer and take further actions.
08/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30152	Web
I made a negotiation with the creditor for the payment of this debt. Once paid, I send comments to the credit report that were not agreed upon in the negotiation. the debt was paid so that the credit reports gave me back the points that they took from me at the time of the negative report. I appreciate your help in filing a complaint against the XXXX toyota finance company this negative credit report that was paid in full and agreed with the creditor so that they would not report it with the comments with which they did. I paid on XX/XX/XXXX and a letter arrived a few days later with the comments they would make. certainly the letter was issued on XXXX XXXX but it came to my mail on XX/XX/XXXX ( I would have already made the payment on XXXX XXXX-debit to a bank account or payment with a debit card ) in breach of the initial agreements. I present financial income problems, my wife was unemployed and I also for a few months, motivated by the global pandemic, my daughter became ill and since XXXX I have been the only supporter of my house and my family. He had no way to pay the monthly installments of the vehicle and for that reason he decided to deliver it. They did not give me another option to pay it and now they refuse to formalize a dispute for these reasons
09/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 331XX	Web
am very affected by the cessation of activities produced by the Pandemic that paralyzed the world economy and our country in particular. I have a XXXX XXXX and I am the XXXX, XXXX XXXX and woman in charge of the entire family group. I have had this account for more than five years, I have never failed in my commitments. I have been honored to go through all the difficulties. 2020 is an unprecedented year. In honor of the truth, I have taken the GRACE period that was a BENEFIT, granted by the Financial companies, the tools were mobilized so that I could not sustain the country 's economy, my XXXX XXXX is standing, while this last period ended, We analyzed with the first line of customer service the possibility of extending one more month, they denied me at a higher level this last possibility, always in charge of XXXX XXXX, my family giving the face with full credit responsibility to all calls and calling to see how I could solve. I was waiting for this analysis while they were analyzing the possibility of extending this grace period. This did not happen They denied me the benefit and only that day the QUOTA expired and the 30 days passed, where they reported me to the CREDIT BUREAU or else I would have paid it IN TERM by making the maximum sacrifices.
08/22/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	FL 32218	Web	Servicemember
I requested a Payment History on my vehicle that is financed through XXXX XXXX XXXX ( XXXX ), which none of the payments have ever been late. This request was initially made XX/XX/XXXX online with a follow-up by telephone to them XX/XX/XXXX. As of today, XX/XX/XXXX, I have yet to receive this information. I tried several times to contact them but once I was transferred the message given was, you have dialed the wrong number though it is the exact number I have called in the past. Today XX/XX/XXXX I submitted a second request. This organization has harassed me personally because I had a bankruptcy that discharged XX/XX/XXXX and their online site refuses to give me any access. I have contacted my attorneys in the past who had oversight of the bankruptcy but XX/XX/XXXX claim they have no information that the discharge has taken place. Ironically, all of my other creditors have been notified but XXXX refuses to allow me access and will not cooperate in providing me information. I fear continual retribution by this organization and it seems as if I will need to purchase another car to be rid of these intentional discriminating and harassing acts. I just need my vehicle payment history. I have no desire to ever speak to anyone associated with this organization.
07/13/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	GA XXXXX	Web
in this time we're struggling on inflation and. I request many time for. payment extension and they refused doing that even my car payment is not high like. it's just left almost XXXX on with the bank. and they always refuse. They have the reason they says I have done all extension. on my account which is they using the extension account without my permission for COVID 19 since hit in XXXX I. know they're going to use all my extension months. I refuse to let them but they don't tell me until I decided to. have extension on XXXX because this inflation on this hard kind to collect the money and everything is raised up like a food rent utility and they keep refusing give me any at least one month extension I'd like to complain about that with the bank name is stirred the finance XXXX XXXX XXXX XXXX. That's my story. I wish I had two months extension to can step up to I can. stand up on my feet again until I pay off my car. Also, I'd like to add something. They give me two times or three times fees and they not wave, wave down this feed. because I'm struggling. The payment they don't respect, they don't appreciate long time term with them and they are keep. give me a fees and they don't give me a one at least one month of extension. My payment
10/20/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	SC 29406	Web
I purchased a vehicle XX/XX/2015 in XXXX, SC. In the process of purchasing the vehicle I agreed to purchase GAP coverage for peace of mind. This coverage was negotiated into my financing with XXXX XXXX. On XX/XX/2015 I was involved in a serious accident in which the vehicle I had purchased suffered extensive damage. Upon communication over the phone with my insurance agency, I concluded my vehicle was a total loss. I then called XXXX to verify the process for my GAP coverage. A few months later, the threatening and harassing phone calls began. To my surprise, my vehicle is listed as a repossession by XXXX and I am suffering the unbearable consequences of a negative credit situation and CONSTANT harassment even after I have informed XXXX of my request for them, and their collections agents, to stop. Their harassment over an account that never should have been marked delinquent due to my purchase of GAP coverage has led to me losing XXXX in lost potential credit opportunities, as well as embarrassment and XXXX over a matter that should have been resolved the day I signed a contract for GAP coverage. These people are horrible, unethical, and shameful. They have ruined my credit and reputation and I am not going to sit back and take it anymore.
12/03/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Loan opened without my consent or knowledge	FL 33432	Web
We went to XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX to buy a car with my brother. A new XXXX XXXX 2023. This dealer made a sale contract with XXXX XXXXXXXX XXXX, We have pay {$850.00} a month, it's to much and thety said that if we give them {$4700.00}, our monthly payments will be {$490.00}. They gave us the car after sign a contract. We go back a week after with that money, buy nobody else have any information about this. The registration car is under the name of my brother and I. with a lien on the name of " World Onmi Financial Corp. '' we do not sign any contract with them, I get a copy of this and there is no signature for one of us and the interest rate is more that the percent they said inicially. We have not received any bill or how to make the monthly payments. However I went and call several times to the dealer and thay said that it's not their problem, they said that is the XXXXXXXX XXXX problem. I do not want that my credit hurts for this, because I am brother 's con-signer. I do not want any report on my credit. This finaciacion it's to high and we do not want to keep that car. But the dealer doesn't help in any resolution. Wanted to say that we have not give any money yet in payment or downpayment for this car.
11/16/2017	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	NC 275XX	Web
I have contacted WorldOmni multiple times with no resolution. The car was repossessed XXXX. Following the repossession no notification was given, by law in NC, of time and place of sell of car. I received no written information afterwards on the debt, the details of the sale of car, the amount of loan left. When I contacted them there was {$6900.00} then the next time I contacted them it was over {$8000.00} in debt they stated it was their interest. I requested to see documentation in my loan paperwork that it was valid. I requested multiple times to have information sent to me on the amount of the loan, the amount of the sale when and where it took place, and the amount of debt that was owed. They continue to not provide me with information, and have steadily been increasing the amount with no documentation showing me where they had the right to do that. They broke NC law when the car was repossessed as they gave no notification of sale time and location but rather told me to pay full amount of loan to get back car within 48hrs.Since that time they have provided me with no documentation of which I have been requesting. I have received zero documentation from WorldOmni at my home which my address has not changed.
05/13/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 30094	Web
I PURCHASED AND NEW XXXX IN 2014 FROM XXXX STARTED HAVING ISSUES WITH THE CAR IN LESS THAN 3 MONTHS TOOK THE CAR HAD TO GO BEFORE THE STATE OF GA PANEL AND THE CAR WAS FOUND A LEMON XXXX TOYOTA FINANCIAL ALSO KNOWN AS/XXXX HAD REPOTED ME AS LATE WILL NOT REMOVE FROM MY CREDIT. I HAVE CALLED THEM SPOKE WITH SEVERAL PEOPLE STILL WILL NOT REMOVE. SAID THE MARKS WILL STAND I TOLD THEM THAT THEIR CORP OFFICE TOLD ME THAT ALL WOULD BE HANDLED LATER FIND OUT IT WAS REPORTED NO ONE EVER TOLD ME THIS WOULD HAPPEN. I AM SO NOT HAPPY WITH THIS CO. DOCUEMNTS SHOW CAR DEEM A LEMON. BUT STILL THEY WILL NOT REMOVE THE MARKS I FELT WHY SHOULD I PAY FOR SOMETHING THAT WAS NO GOOD THEY KNEW THIS. SO THE MISCOMUNCATION WAS I FELT I SHOULD NOT BE PAYING FOR A LEMON ALSO WAS TOLD THEY WERE TO GIVE ME A NEW LOAN BUTPAYMENT WOULD STAY THE SAME THIS DID NOT HAPPEN. THEY CHANGES THE VEN NUMBER ON THE LOAN TO THE NEW CAR. WHICH I DID NOT KNOW ABOUT UNTIL THE LAST MINUTE. ALSO THE PAYMENTS STAYED THE SAME PER CORP REP FROM XXXX. SO IT WAS MESSED UP FROM THE START. THEY SHOULD HAVE SHOWN THE OLD LOAN PAYED AND CLOSED BUT DID NOT.PLEASE HELP I AM TRYING TO GET THE LATE PAYMENT REMOVED FROM MY CREDIT REPORT. THANK YOU XXXX XXXX XXXX
01/21/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	GA 30097	Web
This is to bring to your attention a significant concern about XXXX XXXX XXXX ' practices in regards to college graduates rebates. Yesterday I closed a deal on a 2022 XXXX XXXX with XXXX XXXX XXXX in the XXXX area. I tried to claim the {$500.00} college graduate rebate as part of the transaction and quickly realized that XXXX XXXX XXXX gouges college graduates by more than doubling their finance rates to obtain the rebate. I have XXXX credit score and before going to the dealership I qualified for 1.99 % interest rate for 60 months loan from another bank. Dealer finance manage told me that I have to obtain 4.35 % loan from XXXX to qualify for the rebate. When I read XXXX 's financial disclosure, it does not say anything about financing at a much higher rate ( more than double ) as a condition for obtaining it. Therefore, one of two things are happening : 1. XXXX XXXX XXXX is price gouging college graduates and abusing the rebate process for financial gain 2. Dealer ( as a representative for XXXX XXXX XXXX ) has significant demotivation to sell your loans and they are misrepresenting their rates. I just called their customer service line and as I expected, no one can address this concern.
09/07/2022	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	FL 33603	Web
Southeast Toyota finance incorrectly billed me for over {$500.00} and then reported to the credit reporting bureaus that I was delinquent in XX/XX/XXXX. This has hurt my credit score and caused a big waste of time. The incorrect bill for {$500.00} was due to a clerical error that they made internally and incorrectly billed me for wear and tear on a vehicle from previous lease several years ago. I have tried since XX/XX/XXXX to correct the mistake with them over numbers phone calls. Finally I was told XX/XX/XXXX that the problem had been fixed and I did not owe anything nor would have my credit damaged. This month my credit dropped XXXX points on transunion and shows that I am incorrectly delinquent with XXXX This is not the first time that XXXX has made a large mistake and hurt our family. It is the second time and I believe that US regulators should fine and revoke XXXX 's license to operate in consumer finance. Please help me by restoring my credit score to + 800 like before this happened and correcting XXXX XXXX mistake to properly show that I am current and in good standing. Reference XXXX account number XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX Sincerely, XXXX
12/14/2017	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	NC 27705	Web
I have a XXXX XXXX XXXX financed with XXXX XXXX XXXX. I applied for a two month deferment for the months of XXXX and XXXX XXXX. The deferment was approved for those two months and the payments were added to the end of the loan. However, my credit report was not updated to reflect the deferred payments. XXXX are currently reporting Inaccurate information to XXXX, XXXX and XXXX. They are reporting XXXX and XXXX XXXX as 60 days late. Those two months were approve for deferment. I applied again for another two month deferment for the months of XXXX and XXXX XXXX. I was approve for that two month deferment. XXXX XXXX is reporting Inaccurately to XXXX, XXXX and XXXX they are reporting my account 60 days late for XXXX and XXXX XXXX. My credit report XXXX, XXXX and XXXX has not been updated to reflected those months of deferments. I want these 60 days lates removed from all three of my credit reports. My account became current due to the deferments that I was approved for. XXXX and XXXX XXXX XXXX and XXXX XXXX. Inaccurately reporting these months 60 days late and need to be updated as current for the deferment time. Delete this negative reporting from my XXXX, XXXX and XXXX.
02/20/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL XXXXX	Web
On XX/XX/2022. I Consumer XXXX XXXX sent a letter certified mail to Southeast Toyota Finance in regards to an alleged car loan with them, I informed them that the contract was misleading. Southeast Toyota could not validate this alleged debt/ car loan. They simply stated that the alleged contract validated the debt. The contract is misleading because it was a copy, I need to see the original. The contract could have been forged. I also need to see proof that Southeast Toyota had these funds in their account before it was given to me. According to 12 USC83 banks can not loan money ( own stock ). 12 USC 1431 the role of the bank is not to extent credit or loans. Only the original creditor can which is the natural person. Southeast Toyota Failed to respond to my my letter other than saying this alleged car loan was verified by a " copy contract '' not an original. Also I paid a downpayment of {$4000.00}. According the 15 USC 1662 the finance charge is the sum of all charges that does not include cash. Southeast Toyota does not normally charge a downpayment of {$4000.00} because I have had an alleged contract with them before and did not have to put anything down.
06/06/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	FL 33755	Web
We purchased our vehicle XX/XX/XXXX. We called to find out who our finance company was multiple times but the dealership stated the company would send us a payment coupon book and to wait until they did. When we finally got notified of who to pay which was world omni finance they told us we owed two months in payments when we had only owned the vehicle for 1 month. We made our payments work to not be 30 days late but always had to pay at the last minute and carry a balance due to this accounting error. In XX/XX/XXXX we were affected by hurricane Irma. We asked for assistance during our time of need as we could not return to our home and did not have power pr basic necessities. They refused stating they would not provide assistance because our account was less than 6 months old even though a major catastrophe had just occurred. We tried our best to keep up payments which put us almost 3 months behind in XX/XX/XXXX. In XX/XX/XXXX we sacrificed XXXX for our family to get caught up on payments for the vehicle. They have not been good to deal with or understanding. Being late with no assistance caused a major hit to our credit which put us back financially again.
08/22/2022	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 XXXXX	Web
I recently looked at my credit report with ( XXXX ) and I noticed some late payments posted on my credit report. Unfortunately, your agency is in a clear violation of the law. Under 15 USC 1681b- permissible purpose of consumer reports, The Law Clearly States ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( XXXX ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681sXXXX of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Account Name : XXXX XXXXXXXX Account Number # XXXX Account Name : XXXX XXXX Account Number # XXXX Account Name : XXXXWOFC Account Number : XXXX
02/23/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 32256	Web
I purchased a car from XXXX XXXX Toyota and the finance department offered me gap explaining that it will cover anything that my insurance does n't covers if the car was to get totaled which did happen on XXXX XXXX XXXX so my insurance which was direct general paid what they believed the car was vauled at XXXX which does n't make much sense because it was a XXXX Toyota Corolla with XXXX miles and the gap which was XXXX company paid XXXX which was n't the remainder because the payoff was XXXX so now I have a balance left on the car that I have to pay and I have no car and owe my finance company XXXX and they want the payment in full I ca n't get a another car because the loan is still on my credit and if I do n't pay them XXXX by XX/XX/XXXX they will charge it off it seem very unfair and then also my finance company reported to my credit as been 60 days behind when in never was late with them I got in the accident on XXXX XXXX and it was made aware to them and my insurance declared it as a total loss and my insurance advise the was going to issue the check which they did and my finance company still reported to my credit as 60 days past due
11/04/2018	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Termination fees or other problem when ending the lease early	FL 33436	Web	Servicemember
eep driving the car as I will incur additional fees for going over the mileage. They offer me a new loan that is so expensive and I said but I would not be able to afford that payment, I want something that I can afford. I contacted XXXX XXXX around XX/XX/XXXX, to come pick up the lease, they said they would contact me back and they never did. I visited the dealership on XX/XX/2018 to return the car and they did not take it back. They say, they would have someone called me. Nobody called me, I went to the dealership on XX/XX/2018 and returned the car and signed a lease return receipt. I sent an email to XXXX XXXX XXXX notifying them that the lease has been returned. The remaining payment on the lease was XXXX. However I received a letter that stated I owe {$39000.00} and that my vehicle was repossessed on XX/XX/2018 and I was charged repossession fees. Please help me as this company is engaged in deceptive sale practices and charge excessive fees. My remaining lease balance is only {$12000.00}. I am a XXXX XXXX veteran who work hard to earn my money. I can't give it away to this company that engages in unethical and illegal practices.
09/23/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TN 384XX	Web
I purchased a 2010 FJ Cruiser from XXXX Toyota XX/XX/2010 in XXXX AL. ( XXXX XXXX - at the time ) The original contract was through XXXX, was to include an extended warranty ( Tender Loving Care ) on the vehicle. I out after a week that the loan had to be financed through XXXX XXXX XXXX. Somehow the warranty was canceled and never activated. I do n't remember doing this ... I always take out these warranties! He could n't show me the paperwork! Paperwork was never sent to Toyota to cancel the financing for it and I assumed that I had the warranty. The car was taken in for service and they said that the warranty was n't effective which alerted me to the problem. The vehicle was paid off and I approached XXXX Toyota about refunding me the amount and they said the financing company owed it to me. I called Toyota and they said XXXX Toyota owed it to me. XXXX was never paid for the warranty ... I paid for it through my monthly payments ... in full! I have the paperwork to back things up ... I also did n't know they had cancelled the Road Hazzard for my Tires!! {$300.00} How can I get this amount back?? {$2200.00} XXXX XXXX
02/20/2022	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with fees charged	NM 88310	Web
Morning To whom it may concern : My name is XXXX XXXX, I have lease not ones before from same institution before, but all my loans have been same institution for many years. So I have a question and hope is a valid XXXX. My Payments are do on the XXXX of each month, so I have try to write to the financial institution one twice XXXX times and many mores, My question is simple, my month start on the XXXX of each month, so that been said from XX/XX/2022 to XX/XX/2022 it is a month correct, that institute my month and my agreement when the changes were made correct. So each month I also have a XXXX dats, period extra to make the payments correct, Now also when I'm over the the XXXX days, is about a fee of {$40.00}, need to be paid, so if the {$40.00} dollars are over XXXX days still don't constitute a full payment of a the principal correct. So the principal each month is {$380.00} of the loan, therefore the late fees is place or move to the back of the loan, and at the end of the lease it should be paid in full correct, so XXXX XXXX, should this be reported to credit buraus as late payment from principal?
11/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33407	Web
On XX/XX/XXXX, and XX/XX/XXXX, I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate late payments listed on my credit reports for XX/XX/XXXX and XX/XX/XXXX regarding SouthEast Toyota Finance, account number XXXX, by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX, and XXXX via the online dispute portal. USPS verified that all my requests were received. To date, I have not received any compliance/information/proof or verification method to my requests within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. I have never paid this account late. Therefore, I expect all these items will be removed from my credit files immediately.
03/21/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	AL 350XX	Web
I purchased a XXXX XXXX XXXX from XXXX XXXX of XXXX, AL on XX/XX/XXXX. When I made the purchase I was told that I would have to use Southeast Toyota Finance to obtain financing or they would have to increase the vehicles price. I was ok with going through Southeast Toyota Financing because we had used them before on another vehicle purchase. But the more I think about it the more it bothers me, my husband and I have good credit and we were given a new car rate of 5.49 % which is high in the lending environment today ( or in XXXX of XXXX ). I feel like if we would have been able to use our credit union or shop other banks we could have received a much lower rate. We were pressured into going with a lender who charged a much higher rate than other lenders. They gave me the reason, when I asked, that due to them not getting very many new cars in they would only uses Toyota finance. This is predatory and unfair to consumers. this has resulted in me paying much more for the vehicle I purchased. The rate was never once told to me during this process, everything was signed electronically and went over very fast.
06/24/2023	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 32548	Web	Servicemember
Since I lost my job because of Covid months ago, Southeast Toyota had deliberately ignored my plea for help for keeping a XXXX XXXX XXXX and put me in further debt. There were no options for help and they would not take smaller payments which I did put towards the car. I am on XXXX XXXX XXXX and it is against the law to collect debt otherwise from individuals incapable of working and to try to collect debt from this income. I have repeatedly told them that and they have harassed and numerously called me as if I could use that little amount to pay the debt. They already repossessed the car, sold it in auction, and are now saying I owe the difference and am fighting against this. I ask this debt and collection to be cleared from my debt and credit immediately as I have not found gainful employment. It is against the law to collect otherwise and the debt should be removed because I was making some sort of payments before they repossessed my car and put me in such a bad situation employment wise as well as have harassment called me numerous times about this collection which I will not be able to pay.
01/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	AL 359XX	Web
I have been disputing the accuracy of a repossession that appears on my credit report. It's from XXXX but the repossession happened while I was incarcerated and had my identity stolen. The address listed on the repossession paperwork the company sent me has an address on it that I have never lived at. Furthermore the date has been re-aged. I have had no activity to this account since XXXX. Yet they are showing Date Last Active : XX/XX/XXXX XX/XX/XXXX on various reporting agencies. Neither date is correct. I also asked for a the following information and never received them : Original purchase price. Date and amount of all payments made. Date of repossession. Value of car at date of repossession. Amount the Car was auctioned off at. If this isn't removed from account due the fraud enacted with the re-aging of this accounts activity. I have proof that I was unable to to act on the account long before listed. If this matter and the requested paperwork is not provided, I will be retaining legal counsel, as I have already brought this matter to their attention, and are interested in this case.
07/09/2019	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Termination fees or other problem when ending the lease early	FL 32218	Web	Servicemember
I was given XXXX orders overseas and I was 2 car payments behind due to some medical bills. I did inform the finance company ( South East Toyota Finance ) why i was two payments behind but They understood and gave me time to try to catch up. I was then given XXXX orders and I used the SCRA to try to return the vehicle two weeks before I left in XXXX of 2019. I called the finance company and they said fax them the letter. I faxed them the letter. I called back the next day and they told me the letter needs to state where I was being XXXX too. Which we trained to not talk about movement in the military. Next I got the letter change by my administration office. They accepted the letter the day I left on XXXX so my wife was give a power of attorney to return the vehicle. Upon return she was given a piece of paper of them accepting the return. Currently XXXX I look at my credit report and it shows a repossession of the vehicle. From my understanding a repossession takes a court order with an active duty military member. Im no lawyer though. I was given a very difficult time through the process.
08/09/2019	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem with paying off the loan	FL 34219	Web	Older American
My 2017 XXXX XXXX XXXX has XXXX miles I can’t drive it since the front wheel came off at 70 mph on XXXX in XXXX SC on XX/XX/2018 It was towed to XXXX XXXX in XXXX SC no one would help me because I’m a XXXX? I rented a car to get to a motel rest and go XXXX to XXXX FL. Warranty Coverage was denied because the service man said he never saw four lug nuts snap off like they did he said you probably took it to XXXX. The vehicle has only been service by the authorized XXXX dealership I leased it from a another Authorzed XXXX Dealership in XXXXFL. XXXX the service man wouldn’t budge so I gave him $XXXX to order a new wheel and four lug nuts.Thank front tire had a slow leak repaired in XX/XX/2018 when the pass.side strut was replaced, that dealership denied they repaired a leak that day and had been called by XXXX at XXXX XXXX. For about $2000 including a rental car I wasn’t going to get upset or fight with very rude employees at a bad time. I paid to car hauler $XXXX to tow the car to my FL home where it’s sitting in my driveway because it’s unsafe to drive after sitting 2 months inXXXX SC
12/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30135	Web
XXXX XXXX XXXX XXXX XXXX Car Dealer ) and World Omni Financial Corp ( Finance Company ) opened a car loan using my personal information. I had no knowledge nor did I authorized XXXX XXXX XXXXf XXXX, Omni Financial Corp or anyone else to use my personal information to attain credit. The the loan was open XX/XX/2017, in the amount of {$25000.00}. I have contacted both XXXX XXXX XXXX XXXX and Omni Financial Corp. I have explained the issue to both companies numerous times " That I didn't sign for a vehicle or a car loan ''. I have filed a police report with two different police departments. I have disputed this account two times with all three ( 3 ) Credit Bureaus. XXXX reinstated my credit score back to XXXX, but XXXX XXXX and XXXX continue to allow my credit to take hits and fall. I have also went on line and file an identity theft report. I have emailed a copy of the police reports, identity theft report and copies of the loan paper to World Omni Financial Corp . I have asked World Omni Financial Corp to investigate this issue and stop reporting bad information to the credit bureaus.
07/13/2023	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Denied request to lower payments	FL XXXXX	Web
In XX/XX/2021 I changed my car continuing with a new lease. I have not been late with my monthly car payment. The only thing I asked the financier to change the payment date after the first 15 days of each month due to the economic crisis caused by Covid. The financial company did not make the change and they began to unfairly charge a fee for late payments and I have made them every month without letting me put together two months. Second, my husband XXXX XXXX also drives this car and he has a XXXX pass from the motor vehicle office. He spent several weeks parking this car in a public street post managed by the city and they issued fines. My husband XXXX XXXX went to the XXXX city office and started a claim because people who put this pass on the front window don't have to pay to park. Suddenly my balance increased and it was because this financier paid the fines without consulting me without waiting for the claim to end in the city of XXXX and they would remove the fines. So my balance is high because they paid the fines without notice and the late fee for alleged late payments.
05/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27870	Web
XX/XX/XXXX unclear on amounts invald contract. Reported this violation to XXXX, XXXX and XXXX to conduct an investigation. Today XXXX XXXX I checked my credit through XXXX XXXX XXXX continues to report a open account which should be closed. World Omni Financial Corporation and affiliate Southeast Toyota Finance. Failed to follow the Fair Credit Reporting Act 1964,1970,2005. The Account is not valid and simply should list closed. This company failed to correct the errors according to a letter I received from this firm on XX/XX/XXXX. The errors were serious failed to bind the gap insurance of XXXX failed to make correction XX/XX/XXXX reflect the failure to make the correction on this contract. Contacted Southeast Toyota Affiliate and World Omni financial corporation. They fail to address the failure to address the mistakes made and are trying to enforce a invalid contract. Several errors on a contract for XXXX can not be taken lightly. I respected this company enough to make the corrections they refused and continue to break the Fair Credit Reporting Act.
09/24/2018	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with fees charged	FL 33064	Web
I had a lease of a XXXX XXXX XXXX for 3 years and had just finished the lease payments on XX/XX/2018. On XX/XX/2018 I got a Lease Termination Invoice of {$580.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) referring of a Disposition Fee. My complain is that I bought an insurance specific for my lease and I returned the car in perfect condition. Also I had paid already {$37000.00} ( XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/2018 also referring of a Disposition Fee. After I call XXXX I found out that XXXX had a complain about the tail light lenses that I had put a decal to protect against any damage. Immediately I called XXXX ( the insurance company ) asking why the insurance company didn't take care of my situation. The answer that I had was that the XXXX XXXX was not responsible for any out of market parts. But there is a big misunderstood because I never change the tail light lenses. That is still the original part of the car that I returned in very good condition, in lower mileages and one month before the due date of the lease termination.
08/04/2020	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Lender trying to repossess or disable the vehicle	FL 33141	Web
i had leased a XXXX XXXX XXXX on XX/XX/XXXX and made regular payments till losing my job/XXXX in XX/XX/XXXX as result of covid. when i called them they said no problem abt making payments in future. XX/XX/XXXX, without proper notice they repossessed the car and again with proper notice sold it on XX/XX/XXXX. now they are asking me to pay towing charges, diff between the sale price and amount due ( which i can't afford ) i need your assistance as i can't afford a regular attorney in this matter. i would appreciate if this would not effect my credit in a negative way .they took major advantage of me while leasing this vehicle back in XXXX. i complained to the General Manager the day after i picked up the vehicle but he kept ignoring my calls for days. after the assistant general manager finally called me back, he said he'd reviewed the deal and that i had gotten a great deal. i traded in my XXXX worth atleast {$9000.00} as down payment and had been paying every month on time before i had to close my XXXX ( covid ) and couldn't afford the car payments.
09/24/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	FL 347XX	Web
On XX/XX/2021 I sold my XXXX XXXX XXXX truck to " XXXX ''. I received a letter dated XX/XX/2021 in the mail from XXXX stating my loan is delinquent and now I owe late charges. Since I work at XXXXXXXX XXXX I brought this to the attention of my boss and explained the situation. He reached out to XXXX XXXX and explained the situation and called XXXX XXXX XXXX XXXX to ask why the payoff was not sent on this account? We were told it was missed and was an error on their part and would be sent immediately and a letter will be provided to me showing this was an error on their part to clear my credit. I have not received the letter as of today ; however, did reach out to them again to get it. XXXX said that they can provide me with a letter from the title and accounting department if needed to help assist. Now my credit which I have been working so hard to get perfect in order to buy my first home is ruined. Please help I was on my way to almost an 800 beacon score when this happened, now I tried to get credit with XXXX and can't even get that now! : (
03/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33063	Web
Upon checking my credit report, I notice an account from SE TOYOTA FIN dba WOFC that I believe is not being reported correctly on my credit report. On XX/XX/2020, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, again requesting that they provide me with the information they were using to prove the accuracy of my account. I even threaten to escalate this violation higher to ensure that my rights were being upheld and still got no respond from them. I also sent certified letters to the three credit bureaus on XX/XX/2020 asking them to verify or remove the negative report on my credit report. I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
11/18/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	FL XXXXX	Web
I have contacted XXXX XXXX XXXX several times to try to get a lower payment because i knew my interest was very high and my car was in an accident and even though my car was sold I still owed a very high balance. I have a couple of friends who are not XXXX and their payment was not as high as mine nor was there payments that high. I have been approved by XXXX XXXX XXXX Corporation Settlement for discrimination but this is still on my credit report. I read the contract and it said I had to pay over {$400.00} a month and the price had had jumped to {$29000.00} and some. I went to the dealership and I spoke to the salesman about the figures and took me to the finance department and the finance manager said that he explained to me about the price and still said that it was too high and he said that he will try to see what he could do. I advised I thought this was a loan with a XXXX interest and I was told that my payment should be no more than {$250.00}. I feel like nothing was explained to me correctly and they took advantage of what I didnt know.
01/27/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	FL 33570	Web
On XXXX my car was deemed a total loss from a car accident that we had at no fault of ours the insurance company provided their payoff amount to Southeast Toyota finance I also had gap insurance and they provided their amount there is a balance left of almost {$5000.00} since I am still being charged the full monthly payment even though the car was deemed a total loss. I have made numerous attempts to try and make a payment arrangement or a payment plan with Southeast Toyota financial and they declined all payment options other than the fact of paying the complete amount of XXXX within 60 days currently my husband is unemployed due to Covid and I was diagnosed with Covid and I am not able to financially come up with {$5000.00} in 60 days I have asked for a reasonable accommodation to make the payment plan I understand that the that is owed But I do not feel that 60 days is sufficient time for XXXX to charge off the loan and sent to a collections company and ruin my credit when I am willing to pay we just need some assistance in a payment plan
09/27/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 339XX	Web	Older American, Servicemember
I LEASED A XXXX XXXX XXXX THROUGH SOUTHEAST TOYOTA FINANCE ( SETF ). AT LEASE END SETF REFUSED TO PERFORM THE REQUIRED INSPECTION AT MY HOME DUE TO XXXX AND REPEATEDLY REFUSED MY REQUESTS TO BE PRESENT AT THE INSPECTION. THE INSPECTION WAS THOROUGHLY UNSATISFACTORY. I DOCUMENTED THESE PROBLEMS, BUT SETF REPEATEDLY IGNORED THE CONTENT OF MY LETTERS. I AM ATTACHING FIVE DOCUMENTS WHICH DETAIL THE INCOMPETENCE OF THE INSPECTION AND OTHER ASPECTS OF THEIR DEPLORABLE BUSINESS PRACTICES. I PAID THE CHARGES I BELIEVED WERE JUSTIFIED. SETF RESPONDED BY CONTINUING TO BILL FOR THE UNSATISFACTORY CHARGES WHILE NEVER ADDRESSING THE SPECIFIC INSPECTION REPORT ERRORS. SETF FINALLY DECIDED TO CHARGE OFF THE DISPUTED CHARGES, BUT DID IT IN A WAY WHICH DAMAGED MY AND MY WIFE XXXX 'S CREDIT RATING. THEIR INCOMPETENCE AND UNFAIR BUSINESS PRACTICES SHOULD NOT BE PERMITTED TO DAMAGE MY CREDIT RATING. I BELIEVE I FULLY AND FAIRLY MET MY OBLIGATIONS TO THEM AS I HAD DONE WITH THREE PRIOR LEASES WITH THEM. THEY RESPONDED BY IGNORING ME AND DAMAGING MY CREDIT.
07/01/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 33168	Web
I bought a car from XXXX Toyota to do XXXX, when I was negotiate with them I told them that it was for XXXX and I trade mine with them, I was at the same room with XXXX XXXX y XXXX when I call XXXX XXXX and XXXX XXXX ask : what are you going to do with the car? and I told them that I'm going to do XXXX and they didn't tell me nothing and I wanted to make sure that everything is correct. I was in an accident on XX/XX/XXXX I was surprised that my just inform me that GAP denied my case because the dealer give me a Wong GAP and my lawyer send me to fix that with with the dealer. To make sure that everything was on the same alignment I told my lawyer that I was doing XXXX and XXXX and the insurance know that I was doing XXXX. IF I'M NOT THE ONE WHO PIC UP THE GAP WHY I HAVE TO PAY WRONDOING OF THE DEALER? THE DEALER GIVE ME THE WRONG GAP. They just charge me more than {$10000.00} to pay I really don't know ; I'm not doing XXXX now in that difficult time ; I have bills, I'm paying a XXXX school. I WILL THANK YOU FOR YOUR HELP. XXXX
03/02/2019	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	NY 122XX	Web
My dad and I purchased a " XXXX XXXX XXXX XXXX '' in XXXX before he passed away. My dad was my co-signer. Since my dad 's passing I relocated to XXXX, XXXX. I fell back on some payments due to not having the finical help I had with my dad in XXXX. I began looking for employment in XXXX so I can start making payments on my vehicle and paying off my other debts. It took me some time to find employment. I immediately contacted XXXX XXXX to let them know about my financial situation. They asked me to fax my dad 's death certificate over to them to verify that my dad was deceased. Which I found rude and they were not compassionate and had no sympathy. I did as they told me. I faxed my dad 's information and my vehicle was towed anyway. My car was sent to an auction and I have been contacting XXXX XXXX to update me information about making payments but I keep getting the cold shoulder. I need some one to help me with getting my car back please. I have been getting to work late because I don't have my car. Thank you.
09/11/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	FL 32068	Web	Servicemember
An extended protection warranty was purchased on a XXXX XXXX XXXX purchased in XX/XX/XXXX when the vehicle was purchased from XXXX XXXX in XXXX, Florida for the amount of {$1800.00}. I recently traded the XXXX XXXX XXXX in for a new XXXX XXXX XXXX, my XXXX XXXX trade had less than XXXX miles and was still under the factory warranty. I then was requesting my refund back from the extended warranty and found that the extended warranty which costs {$1800.00} was prorated back to the day I purchased the vehicle even though the extended warranty was not used nor took effect. Out of the {$1800.00} I only received XXXX refund and this is just plain old robbery of the consumers! I called and met in person with the general manager at XXXX XXXX and my complaint in essence fell on deaf ears! I also called XXXX XXXX XXXX , XXXX which is the holder of the extended warranty and same just fell on deaf ears! My feeling is that the CFPB should look into this ripping off of the consumers and this needs to be fixed!
04/12/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 34714	Web
This people are thief 's and don't stop ripping off people out why? Before my last payment that must be XX/XX/XXXX Acct # : XXXXXXXX XXXX : XXXX. I contacted Southeast Toyota Financial to let them know that this month will be my last payment but instead of Amount : {$210.00}, will be only {$180.00} since that was my last payment pay off I contacted one month before XX/XX/XXXX. Contacted several times through the internet but like I said the don't care, I'm wondering if the consumer financial pretention bureau care or just I'm wasting my time here since there are thousand of people complaining to Southeast Toyota Financial but they keep doing damage to us. Today after I did my last payment my balance is Principal Balance : ( {$30.00} ) so I asked to be refunded into my account but the problem continue since Southeast Toyota Financial is posted in their website that my next payment of {$210.00}, will be at XXXX XXXX XXXXXX/XX/XXXX please STOP THIS XXXX manipulation from this company now! thanks
11/18/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	HI 96818	Web
Hello, and I hope all is well. Thank you for taking the time to review the complaint. Purchased car XX/XX/2014, signed contract, drove off the lot. XX/XX/2014 sent a new contract to sign. Email is about gap insurance. In 2014 entering into an agreement with XXXX XXXX XXXX XXXX. for a XX/XX/XXXX XXXX approved for a loan payment of XXXX/ month. Multiple violations occurred during the time of sale. Violations of the UDAAP ; Strategic and Credit Risk. Exposing the borrower to credit risk due to the loan 's modifications- At the time resilience score was moderate ; not using risk mitigation strategies, the bank failed to monitor, modify, and control risk. The Initial bill of sale is to ensure payments were able to fulfill the duration of the term. Modifications were the GAP insurance and The Car Warranty. With increasing material losses and Bank failures, my credit score and creditworthiness are compromised. Please review the attached emails. Unfair Deceptive Abusive Act Practices.
11/20/2023	Yes	Vehicle loan or lease Loan	Problem with a company's investigation into an existing problem Problem with personal statement of dispute	GA 30047	Web	Older American
I purchase a new XXXX XXXX ( XXXX ) from a local toyota dealer ( XXXX XXXX toyota corolla dealership ) on XX/XX/XXXX. I did a trade in at the dealership. I owed them a balance of {$12000.00}. XXXX financing was approved from XXXX XXXX XXXX ( see attached ). Lo and behold, I received a letter dated XX/XX/XXXX - confirming that my financing was not approved. In effect, XXXX corporation reneged on their contractual agreement with me in an arbitrary fashion. This is unprofessional and unethical conduct by a XXXX XXXX manufacturer. Furthermore, I am a medically challenged citizen suffering four chronic ailments : - 1 ) XXXX 2 ) XXXX XXXX 3 ) XXXX and 4 ) XXXX I immediately got XXXX XXXX when I received this letter from Toyota. My stress levels were very high, and I have not had a decent night rest since. I have taken the liberty to attach a recent article regarding the CFPB and a lawsuit Vs Toyota corporation regarding a related issue to my complaint. Please be guuded accordingly.
07/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27703	Web
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
11/28/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	FL 33308	Web	Older American
I hereby raise my formal complaint considering that I am one of the many consumers who were affected by the illegal practices of TOYOTA through the XXXX XXXX Toyota dealership located at XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX phones XXXX XXXX where they included in my budget for the purchase of my vehicle TOYOTA XXXX XXXX VIN NUMBER XXXX Additional products that were not mandatory even though they stated that they were necessary for the approval of the loan through Southeast Toyota Finance The additional products included in the quotes are : Road hazard tire wheel coverage for {$390.00} Mechanical failure service contract for {$1700.00} XXXX {$690.00} Other aftermarket {$1000.00} Mvwtf battery and tires {$8.00} For a total of XXXX plus interest of 1.9 % per year which is {$74000.00} .5 x 5 years would be {$370.00} For a general total that should be reversed to me XXXX It is important to note that I am still paying the vehicle to TOyta since the loan is for 6 years.
05/21/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	FL 33781	Web	Older American
I do paper work on XXXX XXXX XXXX new XXXX with price XXXX something, finance guy ask me the option and tell me around more than XXXX dollars a month .I agree after finish i never tell me my final balance in mind my around XXXX ( i am not good on math ), so when i got home have lunch and look at my paper more than XXXX. I call back a fews time, the people operator and reception ask me the reason, they don't transfer keep me on hold and some time lost connection, i have to call XXXX sale man ask finance the day on Sunday XX/XX/XXXX to remove option more than XXXX, i wait for three month later, i call XXXX Toyota to ask just me ballance they wait for dealer, i offer my copies and get denies .I call XXXX to ask him to remind finance to send paper, i would like balance to correct, i call Toyota headquarter not thing happened. i paid my bill start XXXX until now. in contrac my bill XXXX, option remove total XXXX .They know my english is bad that why rid my off.
10/07/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	FL 347XX	Web
I requested a payment deferral for XXXX payment. The customer service rep was helpful in doing so. I paid the interest as they required. In XXXX I noticed my bill was past due. I called and spoke to another rep. He informed me I had to submit a letter stating why I needed the deferral. I did as he asked. I also explained to him I was never informed. XXXX statement is received and the account is current. I am in the process of buying a home so my credit was pulled and it shows that my account was 34 days past due for XXXX. I called to get an explanation onto why this happened and was told my deferral was processed for XXXX when the letter was received and it was not credited to XXXX as it was supposed to be. Now my home loan is going to fall through and I already submitted my cancelation of lease and will be out of a home come the end of XXXX. All of these conversations happened over the phone. No emails were sent by the company or any documents in the mail.
10/29/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL XXXXX	Web
Today XX/XX/XXXX I received a letter from Southeast Toyota Finance where I have an account I nver been late, even so this last XXXX I did three aditional payments into my account after several intents, emails to contact them I thought that everythig was clearly explained, but today I received a letter from Southeast Toyota Finance trying to collect debt of {$250.00} bill that I alreay paid in fact they charged me {$40.00} latest fees that they told me that will be refunded but they are not plus, they are treating me to collect this debt or they will report it into my credit report. As I said before on my complaints, Southeast Toyota Finance is just lying not only about me if not about thousand of people, in the same situation that me. They are trying to add as must lates fees as they can, and misslending people accounts in their own benefits. Problably the best thing we can do is to sue Southeast Toyota Finance in court for all damages they in doing.
02/02/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with additional products or services purchased with the loan	HI 96706	Web	Servicemember
Good evening, Sir or Ma'am, I am an active-duty serviceman, and back in XXXX I leased a vehicle through Southeast Toyota Finance XXXX Before the one-year mark, I received orders to be XXXX for 6 months overseas to an active XXXX XXXX. At that time, I returned the vehicle to the Toyota Dealership in XXXX XXXX where I was told that " Everything was good to go ''. About a year ago in XXXX ( and 3 years after I returned the vehicle ) I received a letter from Southeast Toyota stating that I owe them {$800.00} for " damage to the vehicle ''. When I signed the lease agreement, I purchased excess wear and tear protection for up to {$7500.00} ( see attached document ). But apparently Southeast Toyota Finance wasn't aware of this, moreover, Southeast Toyota is trying to charge me for something that is covered under the protection I purchased, affecting my credit. Looking forward to hearing from you. Respectfully sent. XXXX XXXX XXXX XXXX
09/21/2021	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	FL 33913	Web
On XX/XX/2021 I ( XXXX XXXX ) leased a new XXXX XXXX XXXX from XXXX XXXX in XXXX, FL. The Finance company is Southeast Toyota Finance. The first payment needed to be made after the invoice was received then the auto pay could be set up. We sent the first payment on XX/XX/2021, It was received and cashed on XX/XX/2021. I then set up autopay to start for the remainder of the lease payments commencing on XX/XX/2021. I started receiving phone calls from Southeast Toyota Finance as of XX/XX/2021 saying they had not received our payment and we needed to submit asap. After 22 phone calls between 2 phones, speaking with 6 representatives who said they would rectify after I had the bank fax the proof to them, nothing. The calls keep persisting multiple times a day. No one there is taking care of and now it is on our credit bureau report. I need help since they seem to be incompetent and this is effecting my life daily. Thank you, XXXX XXXX
04/28/2017	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	NC 28031	Web
My automobile lease maturity date is XXXX / XXXX / XXXX . I paid XXXX 's payment in full on XXXX / XXXX / XXXX . No other monies should have been due from me and I scheduled to turn the vehicle in by XXXX / XXXX / XXXX . However, Southeast Toyota Finance still sent me a billing statement dated XXXX / XXXX / XXXX indicating I owed another full payment due XXXX / XXXX / XXXX . When I called to inquire about the amount due, I was told I did not owe anything. I asked the lady why the statement was sent to me and she said that it happens on all leases close to the maturity date and that people often pay the amount and then have to go about requesting a refund. I am submitting this complaint because I think it is a terrible practice to ask for payment from a consumer that is not due. Additionally, it sounds like a KNOWN practice and Southeast Toyota Finance should implement controls to ensure it does not continue.
06/23/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 333XX	Web
XXXX Toyota agreed to pay any remaining balance including any wear and tear of the vehicle. I received a bill from World Omni XXXX for {$230.00}. I disputed this in writing with both World Omni and XXXX Toyota. I have documentation in writing from XXXX Toyota advising me that a check was forwarded bringing my account to {$0.00}. Dispute my numerous attempts to rectify and World Omni refuses to remove the negative " charge off '' from my credit. It should be added on or about XXXX, 2016, a representative from World Omni unlawfully accessed my credit report to determine if my potential claim under the FCRA was justiciable. This is violative under the FCRA. World Omni failed to notify the credit bureaus when they filed a negative rating that the undersigned disputed the debt. They changed their remarks on my credit report after I advised I was going to bring a lawsuit to attempt to cover up from their previous violative behavior.
09/12/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NC 27616	Web	Older American
XX/XX/2018, I mailed my payment to XXXX XXXX XXXX at the XXXX XXXX in XXXX, NC. At this time, my payment is not registered, no one referred me to the manager for assistance and to start an internal search for the money order of {$470.00}, my very first payment. Also, I demanded to speak to the manager or supervisor and left a voice mail message regarding the missing payment. No one has returned my phone call. I am positive that the payment is there with XXXX XXXX XXXX but has been misplaced or misappropriated on someone else 's account. I did not have a invoice stub, I simply placed the entire account number on the money order. The money order number is XXXX for {$470.00} dated XX/XX/XXXX. Also, this XXXX XXXX is not getting the gas mileage as the econo light keeps going on and off. The VIN is XXXX. While I am driving the check engine light comes on. This does not happen when I go to the service deparment.
08/10/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CO 806XX	Web
SETF payment failed in XXXX. Due to my my husband during on XX/XX/XXXX and a cluster of other bills I have been struggling financially. Then Covid happened. I asked Toyota for relief and the did give me 2 months but apparently there was a XXXX payment that said was XX/XX/XXXX payment that did not go through and failed. I have told them my husband died and I adopted my granddaughter due to her mother XXXX due to a car accident. But they said no and turned me into the credit bureau.i have made good on my payments and trying to rebuild my credit. I am XXXX XXXX and trying very hard to rebuild my life and credit without bankruptcy. I am asking for help. My granddaughter I adopted mother was was in the XXXX XXXX but was hit by a drunk driver in XX/XX/XXXX. She was XXXX and died in XX/XX/XXXX. After my husband died I adopted my granddaughter. I am not looking for a hand out but a hand up!! Thank you XXXX XXXX
02/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32244	Web
South East Toyota Finance, has reported to my credit incorrectly, recently XX/XX/2021 they updated a 6 year old charge off on my credit incorrectly with XXXX. My score went down XXXX points. They are showing i have no good payment history only the bad. They removed the correct reporting and added something new. This vehicle should have been paid off because I had gap insurance and they received the funds. SETF also is increasing the charge off amount each month. The credit reporting isn't consistent. The reporting to XXXX shows I have a current a current missed payment and currently null which isn't showing, the credit need to reflect the correct information. I have two accounts with SEFT they need to be updated on my credit report. I have tried many times to fix this. I have been punished due to their incorrect information. Forced to pay higher interest rates and fees due to SETF incorrect reporting.
03/07/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	GA 313XX	Web	Servicemember
I am requesting assistance with my auto loan due to my physical and financial hardship. I am a XXXX XXXX XXXX United States XXXX veteran XXXX XXXX XXXX XXXX I am on a fixed income and had someone else helping to pay for the truck. But the other person injured their back and they are a XXXX XXXX XXXX veteran also and now we are struggling to make ends meet. I served several combat tours in XXXX and XXXX with the XXXX XXXX XXXX from XXXX XXXX, XXXX and now settled in XXXX, XXXX the town outside of XXXX XXXX, XXXX. I really need the vehicle for transportation and please request some type of assistance program. My budget is not tight as I am struggling to pay my mortgage payment and pay the electric bill and buy groceries. We just had a newborn babe and finances are limited to make sure diapers and baby food can be purchased. I am attaching my military XXXX XXXX letter as proof of my hardship.
07/18/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL XXXXX	Web
I wish to file a formal complaint against SE Toyota Finance. I sent them a letter several months ago explaining that we would have to miss one payment due to being off work for over 4 months. We also explained that XXXX XXXX XXXX put a hold on payments and ALL late fee charges. Despite this, we are still being harassed by SE Toyota for both late fee and a missed payment. We have resume payments but requested that the one missed month be added to the end of the contract due to extreme circumstances. SE Toyota Finance acknowledged receiving this and have not only done nothing but continue to bill us for both months AND added a late fee. It is my understanding that his is illegal. Certainly unethical, given the circumstances. Kindly address this matter. Thank you. Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SouthEast Toyota Finance XXXX XXXX XXXX XXXX, NC XXXX
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	FL 33063	Web	Servicemember
The reason for this letter it to dispute 1 unauthorized inquiry on my credit report. On XX/XX/XXXX I retrieved a copy of my credit report and discovered inquiries that I have no knowledge of. Because I did not apply for credit with Southeast Toyota Finance. The inquiry was done on XX/XX/XXXX. I have also reached out asking that they remove the inquiries from my credit profile. Please launch an investigation into the creditor inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if any creditor is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter.
10/21/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 32218	Web	Servicemember
After losing my job in XXXX of this year, I was struggling to pay all my bills to include my car note. I was four payments behind, but on Wednesday, XX/XX/2018, the company received two car payments and a fee for an extension. I was informed by the company that the extension would allow two of the delinquent payments to be posted to the end of the loan. My car was repossessed on Saturday, XX/XX/2018, due to me not receiving the extension that was promised. I immediately contacted the company and was told that if I wanted the car returned, I would need to payoff the car loan in the amount of more than {$15000.00}. I asked for a manager and complained about paying monies for an extension that was not honored. I was then given the opportunity to pay {$2000.00}, to get the car back. The company is XXXX XXXX and the supervisors names are XXXX XXXX and XXXX XXXX. The phone number is XXXX.
01/25/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	FL 32566	Web
Went to Toyota in XXXX XXXX XXXX, FL on XX/XX/XXXX and was trading in my lease to purchase a Toyota XXXX XXXX. Dealership failed to notify me of interest rate prior to signing documents of the loan term, did not disclose full loan amount and pressured me into purchasing warranty I did not really want. I had fraudulent accounts on my credit report and did not know at the time, which results in my outrageous interest rates. When signing documents at the end, When asked the interests rate the employee said he will tell me at the end. He scrolled through paperwork quickly and had me initial only. Did not allow me to read what I was signing even though I had asked to. Told me he will go over it after I sign it. Sales associate states that the vehicle price was totaling below the sticker price and after signing onto my SETF account I see the cost is much higher than sticker price.
06/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32225	Web
On my credit report, my vehicle loan is showing as delinquent despite the fact that my account is current. The company claims they were unable to withdraw funds from my bank account which led to the late payment in XX/XX/2017 yet my banking information has been on file with XXXX XXXX XXXX since XX/XX/2017 and no changes have been made to my account that would lead to the payment not going through. The bank has informed me that the payment should have gone through and that an error could have been made on XXXX 's side that prevented the payment from going through. I have attempted to resolve this issue with XXXX several times to no avail. As a result of this error, my account is showing as delinquent although all payments have been made and information regarding payments has still not been reported. This appears to be a common issue with XXXX and I am hoping for a resolution.
10/25/2020	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem when attempting to purchase vehicle at the end of the lease	FL 33029	Web	Older American
Since XX/XX/XXXX, I've made 6 attempts to get the lease-end buyout package from Southeast Toyota Finance. I, ve leased the vehicle on XXXX and according to the lease agreement, I can buy it at the end of the lease term ( XXXX ). Southeast Toyota is giving me the runaround and kept sending me quotes of {$15000.00} or final payoff amount {$14000.00} ( tax not included ). Attached to this payoff, was a contract requesting my signature and instruction to go back to XXXX XXXX, the dealer to negotiate the tax amount. At the end of the lease term ( XXXX ), Toyota will have received from me {$12.00}. According to the lease agreement, I can purchase the vehicle for the amount of {$12000.00}, unfortunately not specified. The bank needs the information to process my application but Southeast Toyota Finance refused to provide me the end-lease buyer package. Please help me.
02/14/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	SC 29730	Web
I am now trying to get the loan over to my bank. They are ready to take the loan. They did a VIN search and the lender says XXXX XXXX. I have never even had a loan with XXXX XXXX. I can even get the car refinanced because the title search brings up another lender. I have emailed XXXX and it is no surprise I am not getting a response. I have never expected this experience from a dealer. This is unbelievable. XXXX has a 1-2 hour phone hold time and the phone hangs up. XXXX customer complaint line has a 1+ hour wait time. This is unbelievable! The time I have spent trying to correct these issues. I don't even know where to begin to get the lenders info off of my registration. I am paying XXXX. The VIN is connected to another XXXX partner called XXXX XXXX. I can even get the car refinanced. XXXX is not responding to my emails or returning my phone calls.
10/30/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	AL XXXXX	Web	Older American, Servicemember
On XX/XX/2020 my bank ( XXXX ) debited my account {$400.00} and sent it to Southeast Toyota Finance. I called the finance company on XXXX XXXX, XXXX XXXX, and XXXX XXXX and each time was told the {$400.00} had not been credited to my account. A woman named XXXX from my bank researched the problem and determined the following information from XXXX XXXX bank. Southeast Toyota Finance received the {$400.00} on XXXX XXXX and credited it to my account on XX/XX/XXXX. ( XXXX XXXX, XXXX, Case # XXXX, ) After receiving this information from my bank, I checked with Southeast Toyota Finance on XX/XX/2020 to determine if the {$400.00} had been credited to my account yet. I have checked with this company on XX/XX/XXXX, XX/XX/XXXX, and today, XX/XX/XXXX. As of today, XX/XX/XXXX, Southeast Toyota Finance has not credited my account with the {$400.00}.
12/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33165	Web
My credit score is being affected by a charge made by South East finance Toyota after the fact I paid all my debt with them and made a payment XX/XX/XXXX. I was told I would receive a letter stating I paid off the debt. I never received a letter or notification about this or any other payment that needed to be made. After contacting the consumer financial protection bureau, the head of the total loss department of south east Toyota, XXXX spoke to me over the phone on a recorded line and also mailed me saying that the credit situation was fixed, that after further investigation the account had been fixed, closed and the balance was paid in full yet I am still seeing a month or two later a late payment once again being reported from them. My credit continues to be affected and they continue to say I owe them money, which I dont
11/26/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	NM 88310	Web
I need the loan payment lowered to better suit my financial situation. I'm a single mom with a XXXX year old daughter I'm providing for on the salary of a XXXX position. My rent is {$700.00} per month and I also am providing food for my entire household. I make between XXXX and XXXX weekly. My insurance on my vehicle is close to XXXX monthly. When you factor in my $ XXXX monthly car payment which I took on when my financial situation was better off I'm having to choose between transportation, food for my family, and a roof over my family 's head. I need the payment lowered to something more manageable even if it means drawing the loan out longer. Something closer to {$250.00} would be more manageable for my financial situation. I do plan to attend school and am looking for permanent employment but these things take time.
05/04/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	FL 33543	Web
While checking my consumer reports I noticed an account that has been charged off/never late. This account is being reported by XXXX XXXX XXXX XXXX XXXX This account is from an auto lease that was never late and surrendered to the dealership at the end of my lease in GOOD STANDING. I was told at the dealership, I did not owe anything on the vehicle. I spoke with an agent from Southeast Toyota Finance and was told, I only owed for the extra car key that was not surrendered due to it being lost. I paid {$400.00} for that item. If this account is being reported as charge off/never late. How is there a past due balance when the lease was paid in full? I made every payment on time throughout the duration of my lease. There is no contact info for this creditor therefore making it difficult for me as a consumer to contact them.
09/11/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	FL 32068	Web	Servicemember
In XX/XX/XXXX bought a new XXXX XXXX XXXX from XXXX XXXX in XXXX, Florida and opted to add an additional product of life insurance that was provided by XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX in the amount of {$1300.00} for the term of the loan. I have traded this vehicle in for a new XXXX XXXX XXXX and was owed a refund for the life insurance from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX and found that I was only to receive a refund for the amount of {$490.00} dollars out of the {$1300.00} paid to them. My feeling that this is another way of ripping off consumers considering that only two and one half years had elapsed on the loan and was charge {$880.00} this is an outrageous amount and again its a money maker for the company at the expense of the consumer!
09/24/2023	Yes	Vehicle loan or lease Loan	Repossession Lender trying to repossess or disable the vehicle	FL 33604	Web
I sent a registered security to Southeast Toyota and its indenture trustee, XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. I offered both of them 14 business days to answer. I called both parties on XX/XX/XXXX, and Toyota had no idea what I was talking about. I called XXXX XXXX several times ( for 5 days straight ) and each time I got a message. I then resent all of the documentation ( it was a pretty large packet )! I repeated the method and nothing happened. Toyota repossessed my vehicle on XX/XX/2023. Toyota and XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) have not returned my documents. This is a particular kind of securities fraud. I still have copies of the registered securities and will resend them if necessary. I don't want anybody to have access to my personal information through this website.
01/25/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	IN 46123	Web
Good morning, I was so happy about paying off my {$24000.00} loan at Toyota Finance. I called them up about paying my loan off online. I was told BY Toyota that it would be quicker for me to send them a Cashier 's check- overnight it to them- and my payoff would happen immediately. Well, that was a lie, unfortunately. They received the XXXX XXXX Wednesday at XXXX and it has supposedly disappeared. They have no record of it at all. I have called several times and no one will put me through to a supervisor. They said they can't help me till the payment posts and I'm out of luck. I don't know what to do? They have been AWFUL about the whole situation. And they said I would have to keep making the payments on a car that I have sent a large cashier check for that would pay it off. Can you help me, please?
02/18/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	FL 33030	Web
I financed a vehicle XXXX XXXX XXXX on XX/XX/XXXX. The total financed was {$21000.00}. The annual percentage rate is 7.90 % per year. Number of payments is 72 months of {$380.00}. First payment due date is on XX/XX/XXXX of {$380.00} but made the payment using a debit card on XX/XX/XXXX. Checking through their website at Setf.com I see a payoff amount of {$21000.00} on XX/XX/XXXX. Then on XX/XX/XXXX the payoff amount is {>= $1,000,000}. But why? If I made their first payment before the actual due date. I dont know why it increases the pay off amount by each day when it should be annual percentage rate. How do they expect someone to pay it off quickly when this is happening. I reached out to them but each person I speak to gives me a different answer which for me it surely doesnt make sense at all.
12/13/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	FL 33073	Web
Around XX/XX/2016 my lease was ending and I was contacted by XXXX XXXX XXXX, a local dealer who I leased the vehicle from 3 year prior. They offer to do my lease termination if I purchased a car from them. A couple of weeks later after setting up appointment, I went to the dealer, ended my lease and bought a new car from them. 1 month later world Omni calls me saying I was late on my lease. They had not been notified that the car had been turned in at the dealership. THe dealer ignored my call for a week and finally 45 days later they admitted the had no idea where the car was. Once they finally found the vehicle it appeared that the car had been driven by someone during this time. THe financing company said there was wear and tear above and beyond normal and they wanted to charge me for this.
12/09/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	SC XXXXX	Web
I have been a with SETF/WOFC customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
02/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33619	Web
Hi I'm attaching a document for incorrect information reported on my credit report. Attached are XXXX supporting documents stating that a payment was scheduled to be made XX/XX/14 out of savings account. It was stated that the payment was late by 30 days which caused a late payment to my credit report. I have never missed a payment for this account. My bank statement shows that the amount was never pulled nor did I posse a returned check fee. It also shows that that their were funds in the account at the time the payment should of been processed. As a result a made the payment because you all said the payment was returned but after further review nothing was taken out of my account. I'm asking that you verify and correct error and remove the late payment from my credit history.
06/10/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 32566	Web
I requested a payment extension for XXXX and XXXX, assuming the bill would be due in XXXX. I was given the extension for XXXX and XXXX instead, bringing my balance to XXXX to be double what is supposed to be and shocking me. I have tried calling XXXX and get hung up on multiple times. I do not need this to report late on my credit report and you have been ignoring my request to change the due date multiple times already. Awful customer service. You are going to ruin my credit score. Late charges too but was told I wont incur late fees until its 10 days past due. Not receiving statements in the mail on time. Can not speak to anyone. I want this late fees removed and do not report my payments late! Change my payment due date as well. Terrible. Will never buy XXXX in the future.
03/08/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	FL 33064	Web
( OPPORTUNITY TO CURE ) SOUTHEAST TOYOTA FINANCE has failed to perform after submitting numerous presentments. SOUTHEAST TOYOTA is still attempting to collect on an alleged debt which has yet to be validated. SOUTHEAST TOYOTA FINANCE represented by XXXX XXXX XXXX, have been highly misleading about their practices and have caused serious harm asa result of said actions. Furthermore, SOUTHEAST TOYOT FINANCE illegally repossessed my automobile, when they failed to provide a " NOTIFICATION BEFORE DISPOSITION OF COLLATERAL '' as required pursuant to ( U.C.C 9-611 ). SOUTHEAST TOYOTA FINANCE has now forfeited their " right '' to collect on this alleged debt as a result of said failure stated above. WITHOUT PREJUDICE, ALL NATURAL INALIENABLE RIGHTS RESERVED. XXXX XXXX XXXX, XXXX.
11/04/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	FL 32566	Web
XX/XX/2021 vehicle gets repossessed at XXXX No prior notice was given, no one was able to tell us where the vehicle was taken to or let us remove our personal items from the vehicle Called SETF to find out what has happened, was told vehicle was repossessed after 84 days past due balance. Asked Toyota why no one had contacted readinf past due balance, was told there was a do not contact on my Account and my personal phone numbers were removed without my permission or knowledge. I have been making payments towards my loan, weekly {$500.00} and Toyota has only processed some of them. Claim they did not receive the remaining. I had to XXXX XXXX Toyota almost {$4000.00} to get vehice back. This situation has caused me issues in my work day, XXXX XXXX, and XXXX XXXX.
08/12/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease High-pressure sales tactics	FL 32065	Web
On XX/XX/XXXX I was forced into a contract by XXXX XXXX XXXX. They mislead me on countless details and drafted a contract with inflated numbers which they refused to explain or remove. They would not give me my keys so that I could leave. With all the lies and deceit they forced me into signing a contract with World Omni Financial Corp. which is doing business as Southeast Toyota Finance. I was unable to contact them at first because the dealership refused to give me any information about this company. By the time I received the information for Southeast Toyota Finance, I was informed it was too late to do anything about being forced into a contract with them. The amount I was charged is {$58000.00} not including any interest that has and will accrue on this amount.
12/24/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	FL 325XX	Web
I have been a with SETF/WOFC customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account XXXX XXXX, XXXX, XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
06/26/2019	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Termination fees or other problem when ending the lease early	WV 26508	Web	Servicemember
In XX/XX/XXXX I received deployment notification orders that informed me I would be deploying on XXXX XX/XX/XXXX for one month followed by an eight month overseas contingency XXXX XXXX. As such, I made all final payments to South East Toyota Finance/ World Omni Financial and returned my vehicle according to the Soldier and Sailor Relief Act. However, I continued to be charged which resulted in a balance of {$510.00} as of XX/XX/XXXX and I disputed the amount owed. The company then updated the amount owed on XX/XX/XXXX to {$910.00}. I should not have continued to be charged after I deployed to begin with, let alone have another {$390.00} added to the account after I disputed it. I did everything appropriately and thus far the company has refused to cooperate.
11/20/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	FL 324XX	Web	Older American
I bought a new XXXX XXXX on XX/XX/XXXX. The finance officer tried to sell me several add-ons but I told her that I wanted no extras. She uploaded all docs onto a flash drive and I returned home ( 3 hours away ). When I checked the drive, there was nothing on it. I called them the following Monday and left 3 messages, none of which were returned. I drove back ( 3 hours one way ) the next day and signed 2 cancellation docs totalling {$4500.00} in charges. It took them 3 months to credit my account the complete amount. I messaged the finance company a few times during this period. After the funds were returned, I asked them to credit my account any interest that had accruied on the {$4500.00}. They said they couldn't and I asked why. I never got another reply.
08/31/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	FL 32725	Web
Made a payment on XX/XX/XXXX and committed to making another payment on XX/XX/XXXX in efforts to pay the passed due balance as currently the vehicle is sitting over 60 days passed due. I have made the lender aware of the situation but they continue to call me several times a day ranging between 2 and 5 times. I have juat started a job and am currently undergoing XXXX XXXX screenings. I have assured the lender i am going to pay them. Im also dealing with a custody battle and a divorce. I am overwhelmed with life and everytime my phone goes off it gives me an anxiety attack. Them calling me so much is affecting my health and i am having to constantly having to look out my window just to make sure my car is still there so i can make the money to pay them.
01/25/2022	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 33317	Web
I checked my personal XXXX credit report on XXXXNoticed that this unauthorized inquiry had been made : -South east Toyota Fin. XXXX XX/XX/XXXX -South east Toyota XXXXXXXX. XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSouth east Toyota Fin. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX I contacted ( South east Toyota Fin, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ). who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.
02/17/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	FL 33771	Web
I checked my account balance on XX/XX/19 and my total payoff amount was {$6500.00}. Then I checked it again today and the balance went up to {$6500.00}. This is infuriating. I feel this is criminal activity and I demand to know what is going on. By the way I also just made my payment today as well XX/XX/19. I emailed XXXX XXXX XXXX to find out what is going on and have not heard back. These people are crooks and they will do anything and everything to get your money. They have no problem partaking in illegal activity it seems. BUYER BEWARE ... ..DO NOT FINANCE THROUGH XXXX XXXX XXXX ... ..AKA ( WORLD OMNI FINANCIAL ). if there are any current class action lawsuits against Toyota for this type of thing I will certainly be taking part.
03/17/2017	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	FL 33308	Web	Servicemember
Southeast Toyota Finance has been contacting me about a deceased friend 's account and presumed debt. They had a representative hand deliver a letter to the former address of the deceased and I allowed the rep to photo copy his death certificate which was given to me as friend/informant since there are no living relatives. The rep told me that I would no longer be contacted. Two weeks later, I keep getting calls which I do not answer from SETF. I have asked them to stop. As a matter of fact, they never leave an extension number. So I will assume this is fraudulent activity. The deceased was XXXX years old. The deceased friend left no estate and I am not an executor as such. I never signed a lease or a contract with this company.
10/30/2018	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL XXXXX	Web
Several months ago I filed a complaint with the Consumer Financial Protection Bureau, against World Omni Finance for reporting erroneous late payments. Today I reviewed my credit report and both credit reporting agencies are indicating I am 4 payments behind on my vehicle loan. The report is showing I am 30-90 days behind on my vehicle loan with World Omni. I am at the mercy of World Omni Finance Co. and these credit bureaus because it takes 30 days for them to investigate and another 30 days for them to correct the error. Then the error appears back on my credit report. I have been fighting this since XXXX. I contacted World Omni and their representative says they are not reporting any late payments. Please tell me what to do
03/14/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	FL 33618	Web	Servicemember
On XX/XX/2021 this company SETF/WOFC contacted me stating that i owed an account that was taken to court and tried to sue me on legal action. This company stated that they took action and hired a lawyer, they also stated that a judgement was granted in their favor against me during a time where i was not notified and during a time where the courts were closed due to the pandemic ( covid-19 ). Their was not an option for me to present a case nor a notification was presented towards me. They performed an illegal action due to the courts being closed. They also were threatening me against legal action if i do not pay immediately. They stated if i do not pay {$8800.00} that they will pursue other actions against me.
07/24/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	SC XXXXX	Web
On XXXX XXXX at approximately XXXX such securities was delivered and put forward through the United States Post Office addressed to XXXX XXXX XXXX Treasurer received by World Omni XXXX XXXX XXXX in lieu of net proceeds issued by XXXX XXXX investor account number XXXX on behalf of XXXX XXXXXXXX XXXX XXXX this claim against such risk has been found in default without recourse under such circumstances the securities will not be demand to be restricted securities that are acquired directly or indirectly from SOUTHEAST TOYOTA FINANCE XXXX WORLD OMNI FINANCIAL CORP Under the FINRA they are committing securities and not in compliance with there FORM SF-3 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933.
10/05/2018	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was damaged or destroyed the vehicle	OH 434XX	Web	Servicemember
With purchase of a new vehicle I was swindled into trading a XXXX XXXX XXXX into one of this corporations dealerships. I will not quote the trade in amount but I have excellent credit and still this company can sit on their conscious with interest rates for loans in the 6 % range. This company 's interest rate for vehicle lending is astronomical and this is only a suggestion but stay far away from this company if you want to avoid being swindled! On top of the Purchase for this XXXX XXXX XXXX my vehicle which is brand new did not come with a vehicle jack to change spare tires, and when brought to dealership attention they dismissed through tire in back of truck and treated customer insanely rude.
03/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32244	Web
SETF, has reported to my XXXX with a XXXX increase to my balance. The balance is charge off as bad debt as they mentioned on previous complaints.My credit score has went down 80 points like previously with my XXXX. SETF corrected my XXXX but they caused my XXXX to go down 80 points from a old charge off. Charge offs shouldnt change amounts month to month so unsure why my balance increased by XXXX effecting my credit by 80 points.It doesnt make any sense for a old debt to keep changing and effecting my credit score. I understand it will be on my credit file but for SETF to continue to make changes to the account and hitting my score is unfair. This is my 2nd time with this issues with them.
04/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 335XX	Web
On XX/XX/2021 I traded my least XXXX XXXX for a financed XXXX XXXX. A month later I got a 30 days late payment notice for the least XXXX. I had not owned the car for over 3 weeks when I was contacted about the payment. When I called the dealer they said they made a mistake and had forgotten to pay it off. This should not be on my credit report as I did not own the vehicle at the time of late payment by several weeks. Southeast Toyota finance was the leasing company for the traded vehicle. When I asked them and explain to them that the dealer had the car and I had signed it over on the XXXX they said they can not do anything about it. I would like this removed from my credit report.
09/29/2019	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Termination fees or other problem when ending the lease early	FL 339XX	Web
I had leased a car and my mother had got a XXXX XXXX XXXX which lead to a XXXX XXXX, so I called Southeast Toyota immediately to let and make them aware of the situation.Going on my third miss payment Southeast Toyota did not make me aware that they would come in the middle of the night and took the car, I then assume someone stole the car so I had call 911 and thats how I knew it repo.I called Southeast Toyota to pay the three missed payments and their representatives told me that I will have to come up with eight thousand plus or else they will proceed with a quick sale.A few days later they told me that it was sold for eight thousand plus and I owe thirteen thousand plus.
11/18/2022	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	NC 28104	Web
Last payment of {$7000.00} was received by Southeast Toyota Finance SETF.com towards my car pay off amount as of XX/XX/XXXX. The account balance was confirmed as negative - {$26.00} with SETF.com on XX/XX/XXXX. When I double check my balance on SETF.com by XX/XX/XXXX, I've found new balance {$7000.00}. XXXX is stating that my last payment was reversed back to my bank account, but the bank confirmed that I don't have anything from the merchant. XXXX is refusing to provide any associated information such as return tracking number. I have the case opened with XXXX as well as with the bank for a week. It looks there is a fraud going on with XXXX. What is the next step? Thanks
02/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32771	Web
NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT. I HAVE NOT GIVING XXXX MY WRITING PERMISSION TO REPORT ANYTHING TO ANY THIRD PERSON, PARTY.I GAVE A OPPORTUNITY TO CEASE AND DESIST FROM SHARING MY PRIVATE INFORMATION & XXXX IS REPORTING TRANSACTION THAT THEY SHOULD NOT BE, TAKE NOTICE OF 15USC 1681-A titles definition and rules of construction. paragraph XXXX of this section, subsection ( A ) and ( I ) states that a transactions are not included in the consumer report.XXXX action is injuring me and is affecting my ability to purchase with credit and it's disrupting my credit score and it's a violation to the fair credit reporting act
01/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33169	Web
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
03/17/2021	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	FL 33166	Web
I started the lease with Southeast Toyota in XX/XX/XXXX - XXXX XXXX XXXX XXXX - 3 yrs, XXXX miles per year - I paid for XXXX of excess damage insurance with the dealer at the time of the purchase I paid every payment on time and returned the car in XX/XX/XXXX - The car had XXXX miles on the odometer when returned - The car had 2 hair line scratches aprox 1 inch length Southeast Toyota Finance sent me a bill of {$1100.00} for - {$800.00} for excessive miles - {$320.00} Excessive Wear I called Southeast Toyota and their response was - We show no record of your excess damage insurance - We have no idea what the miles allowed for your original lease was
12/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33056	Web
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
04/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Difficulty submitting a dispute or getting information about a dispute over the phone	FL XXXXX	Web
I had an auto loan with my then husband with World Omni Financial Corp. My husband was delinquent on the loan and on XX/XX/XXXX gave verbal consent for World Omni Financial Corp to take the vehicle. When the company called me, I told them I would trade the vehicle in and have the auto loan paid off. I was able to do that, World Omni Financial Corp received their check. I requested the " notes '' of the phone call on XX/XX/XXXX done by both myself and my husband. They refuse. I have been literally begging them to provide me with the transcripts of the phone call. I'm due in court and I desperately need those notes taken to clear my name. please help
03/18/2019	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Termination fees or other problem when ending the lease early	FL 32250	Web	Servicemember
Attempted to contact XXXX XXXX XXXX, transferred to multiple departments with no resolution. Each department claiming this dispute is not theirs to resolve. Spoke to 3 representatives but none were customer service friendly but instead acted like debt collectors. Overages were not past due. Auto lease turned in early under SCRA. The finance company is prorating milage on monthly basis. This procedure is not mentioned in the lease contract. Contract is vague but at best indicates proration could occur on an annual basis. I leased the car for 7 months and acquired XXXX miles in that time and Toyota is prorating over milage fees on a monthly basis.
02/11/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	FL 33155	Web
I am a victim of identity theft due to an XXXX Credit breech.On XX/XX/2020 I have submitted all required identity theft documention to XXXX credit services and the following companies, SETOTYOTA FIN DBA OF WORLD OMNI account # XXXX. They continue to report these fraudulent accounts that are identity theft. Pursuant to section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.and send the required notifications to all furnishers of this information.
12/03/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	FL XXXXX	Web	Older American
When i bought my new car from XXXX Toyota, we were asked if we wanted the extended warranty. At the time we were there i was not sure i wanted it. So the finance manager said we could put it on a credit card, so we could cancel it when we got home. so we called later they said i would have to come in and sign a paper that i wanted to cancel the service warranty. when i got to the dealer they told me i could not get my money back, they told me i would have to wait till the end off the loan. i don't think that is fare. XXXX Toyota Finance XXXX Toyota XXXXXXXX XXXX ID XXXX BOUGHT FROM TOYOTA CREDIT charge for service contract XXXX
06/23/2020	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	FL 32225	Web	Servicemember
At the end of the lease termination due to ( military orders ). The Vehicle was returned with less than 36,000 miles. When I purchased this lease, the dealership told me the lease is for 12,000 miles per year or 36,000 for three years. The vehicle was returned after two years and the mileage was at 29,000. I have leased with other car companies before and I have also terminated pervious vehicle leases because of military orders and Ive never have a problem before as long as the vehicle did not Exceeded 36,000 in three year period. Also I am getting charged for a disposition fee. I dont understand why I have to pay this fee.
02/17/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	FL 322XX	Web	Older American
My family and I were heavily impacted by XXXX leaving me no other choice but to ask XXXX for help in 2022. Because our impacted was so bad on many levels we decided to consolidate to save our credit. XX/XX/2022 I started the clock for payoff, I requested the payoff from XXXX. The beginning XXXX I confirmed payoff again with XXXX and made them aware again of my XXXX problems. The last of XXXX, I sent a check for payoff to XXXX. But XXXX issued a late pay for XXXX month for the last payment. XXXX shows 30 days late for the month of XXXX. They would not provide covid protection for XXXX month rather they issued a late pay.
10/28/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	FL 322XX	Web
I was the cosigner on a loan for a vehicle with World Omni Finance. Omni could not find the borrower so they took me to court saying that I would have to pay the remainder of the loan that was left over after the sale of the vehicle. That amount was around 15K. Since then they have added anywhere from 127 to 427 a month in additional late fees ... and sometimes twice a month. I have no documented payment agreement with them that states they can charge me late fees. I would like these fees removed and the way they are reporting this to the credit agencies ( repo or foreclosure ) to change to repo only. Thank you.
07/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 33411	Web
Old information keeps reappearing. World Omni finance Corp. charged off this account transferred to recovery and was paid on account. They got ta paid off balance yet still want the balance and they keep accruing interest charges on the account. Plus world Omni is showing it open when charged off 4 years ago. Word Omni needs to report correctly with a XXXX balance cause they got their money for this scion and still looking for full payment with interests accruing. Plus I co signed on account was not my car not did I make the payments. Please remove all updated information since went to recovery 4 years ago
05/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27407	Web
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
04/20/2017	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	FL 33916	Web
Paid off lease to setf for my leased vehicle with check on XXXX . SETF took another auto payment on XX/XX/2017 . Tried i n vain to contac t SETF bo th via phone and online. No human responded, but redirected to website. No help there. I have, of course, stopped the auto payments ... but would like a response from SETF on whether or not this was a double payment on this lease. I would like a payout reckoning from this company to ascertain the exact amounts of final payments reconciling total monthly withdrawals and payoff amount. Worst customer service ever! Can you assist? Sincerely
12/24/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	GA 30038	Web
I traded in my old car and was told I would not have to pay for 45 days. I received a 120 day past due payment for the trade in of the new car once getting the new car. Also I did not get a good deal as I am not able to refinance and my car payments are nearly {$700.00} on a XXXX XXXX. I need the missed payments removed from my credit report. Also, I need to know why I hav a 120 day missed payment when I traded in the old car. This is affecting my credit score and my ability to trade in and get refinancing. I have tried to reach out to the company by phone but the issue was not resolved.
09/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28262	Web
I was reviewing my credit report and seen there was a charge off from your company. ACCOUNT NAME : Southeast Toyota Finance DBA World Omni ACCOUNT NUMBER : XXXX Please provide proof of : XXXX ) The Original Contract with my wet signature applied to it XXXX ) The Creditor Information ( Name, address, and phone number ) XXXX ) The Payment History and the itemized billing associated with the account XXXX ) Proof that you Southeast Toyota Finance DBA World Omni are authorized to collect the debt from me. If proof is not provided delete this inaccuracy from my credit report immediately.
12/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 296XX	Web
Ive tried online disputes 3 times already and they only come back saying account was verified. I was told the account was closed but it is still showing as open. Theres a balance of XXXX with monthly payments of XXXX. Theres no way we can owe XXXX a month if the whole amount owed is XXXX. I contacted southeast Toyota finance today and they told me it wasnt their issue and I needed to call the reporting agency. XXXX, the XXXX reporting agency Ive checked, told me it was the companys responsibility. So Im just trying to get this fixed! Any help you can give would be greatly appreciated!
08/14/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	FL 33020	Web
I bought the car from dealer and the car had some issues, I was promised that they will take care of it and months go by no action ever taken. I called them to pick up the car because it was getting worst after three weeks they pick up the car and when I went to talk the dealer they wanted me to pay for a car that they have and already sold to somebody else and I told them I'm not doing that I thought they were fixing it so i can have a reliable transportation instead they sent me to the credit bureau. I tried to get it resolved with the dealer and the dealer is no longer in business.
05/17/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 315XX	Web
I've filed a complaint with this company before on XX/XX/2021 SETF/Wofc Ive sent proof police reports thats my identity was stolen Ive never obtained a loan from this company they keep verifying my loan this loan is fraud Ive never did business with this company I want this item deleted its affecting my credit negatively and causing me serious distress. This company will not accept my police report from my local agency I'm not understanding why I've sent in over 5 fraud packets, and they are ignoring me this is illegal this has been going on for 5 years I'm prepared to sue them.
05/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 35242	Web	Servicemember
On XX/XX/XXXX, I had an XXXX XXXX interview for XXXX employment. During the investigation, I learned that the only derogatory note on my account was a " Charge Off '' from Southeast Toyota Finance. It was related to a XXXX XXXX XXXX lease. At the end of the lease, I paid the final balance in three ( 3 ) payments. On XX/XX/XXXX, I spoke with Southeast Toyota Finance and learned that a charge off was incorrectly placed on both my wife and I credit. The representative requested that we initiate a dispute even though SETF placed the derogatory information on our credit in error.
09/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27529	Web
In accordance with the Fair Credit Reporting Act, SOUTH EAST TOYOTA FINANCIAL DBA OF WO, account number XXXX has violated my rights by reporting negative late payments from XX/XX/XXXX to XX/XX/XXXX. According to 15 U.S.C. 1681, Section 602 A, it states I have the right to privacy, as well as, 15 U.S.C. 1681, Section 604 A, Section 2, which states a consumer reporting agency can not furnish an account without my written instructions. Therefore, I am requesting this account be removed, and deleted. from my credit report with XXXX, XXXX and XXXX, as my rights have been violated.
09/14/2018	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Termination fees or other problem when ending the lease early	FL 32258	Web	Older American
This account World Omni Financial has submitted my account to collection wrongly. There was a case and we were working on settling the balance with XXXX XXXX XXXX XXXX. XXXX stated they would wait while the balance of XXXX was being collected from the dealer of the new auto. It now says charged off and in fact has affected my credit score severely and as you can see this was paid on XX/XX/XXXX. We had been in many conversations and they had agreed to wait while I was speaking with XXXX. I was absolutely NOT negligent and need this to be corrected for my credit evaluation.
03/05/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	IL 60657	Web
XXXX XXXX XXXX continues to charge bogus charges. I calculate over {$100.00} since the end of last year. I've called/messaged multiple times to attempt to resolve this unsuccessfully. For example, I was charged XXXX instead of XXXX on my XXXX statement. I payed an extra {$50.00} on my account in order to resolve this. I called to make sure this would take care of it and they assured me it had. Lo and behold, they charged another unexplained extra {$30.00} this month. This situation has repeated itself and I have the feeling they are taking advantage of multiple costumers.
12/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30542	Web	Servicemember
The account hasnt updated on my credit report since XXXX of 2022. I was in a bankruptcy that end around XXXX of 2022 and I have called multiple of times to get the account to update it status and nothing was done. I filed a complaint with XXXX XXXX in XXXX and Southeast Toyota Finance did nothing. So in XXXX of 2022 I bought a new car and the XXXX XXXX was payed off that same month and when I checked my credit report this month it still shows on my credit report as a open account with a XXXX balance and shows Im still under a wage earner plan that Im no longer under.
09/01/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	FL 33703	Web
I purchased a vehicle with Toyota finance..I currently paying {$630.00} for a XXXX XXXX ... Toyota utilizes sells XXXX that will make you purchased a vehicle regardless that challenges that the consumer might face in the near future ... I need your help ... my fico score is currently XXXX. ... I always purchased the my vehicles from the same place ... .I feel like I have been played by the vehicle outside down transaction terminology ... .where people ends pay double for a vehicle..after the dealer satisfied the trade in vehicle ... .absolutely unfair for a buyer
07/10/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 30311	Web
XXXX XXXX World Omni Financial Corp has breach the agreement as it pertains to the truth and lending law. They fail to issue a form XXXX. They fail to give me a check for the finance charges. According to 15 USC 1605 the amount of the finance charge in connection with any consumer transaction shall be determined as the sum of all charges. Charges or premiums for insurance written in connection with any consumer credit transaction against loss of or damage to property or against liability arising out of ownership or use, shall be included in the finance charge.
07/29/2021	Yes	Vehicle loan or lease Lease	Incorrect information on your report Information belongs to someone else	FL 336XX	Web
World Omni Financial Corp has reported on my consumer report that they have charged off the amount I allegedly owe them. A charge off means " a lender or creditor has written the account off as a loss, and the account is closed to future charges ''. Which also means the company has wrote it off on their taxes as a loss which means they technically got their money back on a tax break. World Omni Financial Corp also sold part of the debt before placing it on my consumer report as a charge off. Every month they add {$41.00} to the balance on my consumer report.
11/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32218	Web
this account was paid off on XX/XX/2022 this was my final payment for the vehicle to be paid off, they sent me a letter on XX/XX/2022 stating thanks for choosing them etc advising me about the title for my vehicle my score dropped XXXX points in XXXX because they reported me as a late payment which is inaccurate. I tried pulling up my payment history i cant because since the loan is paid off the account online with southeast toyota is no longer valid when i log in it doesnt have my car it says add new vehicle. I want this late payment removed
02/13/2016	Yes	Consumer Loan Vehicle lease	Problems when you are unable to pay	FL 33626	Web
My father passed away XXXX XXXX, 2015 with no assests. He had a lease with Southeast Toyota Finance at the time of his death in his name alone. At toyota 's instruction, the car was returned to a XXXX dealer on XXXX XXXX, 2015. A copy of the death certificate and explanation of the situation was provided. Since that time, Toyota and XXXX XXXX collection services have been contacting my mother and members or our family trying to collect a balance on the lease. We have instructed them by phone and mail to stop contacting us, yet they persist.
01/02/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33319	Web
I have submitted substantial documentation to Setf/Wofc to remove a fraudulent charge off of my credit report including an FTC identity report and a Police Report. The company found valid fraud and the charge was removed from all three credit bureaus. XXXX has recently blocked the company from reporting to the credit bureaus due to the account resulting in identity theft. Now, I received a letter from Setf/Wofc in an attempt to collect the debt after being a victim of idenity theft which was already proven and taken off my credit report.
05/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30024	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX violates my rights. XXXX5 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. XXXX This account debt number is incorrect as my balance has reduced significantly and they have not updated
06/04/2021	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	FL 334XX	Web
XXXX XXXX - XXXX XXXX XXXX was returned to XXXX XXXX XXXX XXXX. XX/XX/XXXX - Received a verification from the lease holder, XXXX XXXX XXXX as Trustee of World Omni LT and Southeast Toyota Finance dba World Omni Financial Corp, that account was paid in full. Southeast Toyota Finance dba World Omni Financial Corp continually sends past due notices and harassing phone calls. XX/XX/XXXX - Copy of that letter was faxed to them at XXXX as instructed, and still received letters and constant harassing phone calls Called again to no avail.
04/24/2015	Yes	Consumer Loan Vehicle lease	Taking out the loan or lease	FL 33009	Web
I leased a car for 3 years and the lease is coming soon to an end.At the end of the lease i have the option to return the vehicle or buy it.The lease agreement stipulates that : '' PURCHASE OPTION AT END OF LEASE TERM.You have the option to purchase the vehicle at the end of the lease term for {$12000.00} and a purchase option fee of {$350.00}. " South East Toyota Finance, the leasing company is asking me for {$13000.00}, motivating that the difference of {$1100.00} are " taxes and fees ''! I would like to know what my right XXXX are!
10/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 34982	Web
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
10/09/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	NM 88310	Web	Servicemember
On XX/XX/XXXX I put in a requests for an extension to see how much it would be for a 30 day and a 60 day extension after viewing the amounts so I knew what to set aside the company canceled my requests. Then on XX/XX/XXXX I submitted another request for a 30 day extension this was provided but was over {$900.00} and is {$600.00} away from what is due in total on the account currently. I made a {$130.00} payment today and have two payment schedules to come out within 30 days. The company XXXX doesnt seem willing to work with me.
05/11/2023	Yes	Vehicle loan or lease Lease	Getting a loan or lease Fraudulent loan	AZ 864XX	Web	Servicemember
I went in to purchase my first " mom '' vehicle for my XXXX birthday I had my XXXX to trade in and $ XXXX to put down. The salesman was focused on " getting me in the lowest monthly payments '' somehow I ended up in a lease and not a purchase and they are charging me what 2 cars would cost. I have been trying to correct it literally since the day I drove the car off the lot. I also thought I was financing through Toyota XXXX whom I have financed 2 other cars through but its actually a fake company pretending to be Toyota XXXX.
06/21/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	FL 33624	Web
I am writing this letter in reference to XXXX that your company is currently reporting to XXXX XXXX XXXX and XXXX XXXX my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.
03/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33321	Web
Back in 2013 I was a victim of identity theft. I've contact this company multiple times threw the credit bureau concerning this matter but I'm getting no where. The company continuously respond stating that this is my debt when I'm explaining that I've never had a vehicle like this with this company. Someone stole my information and apparently purchased a car, I never benefited from it in any way. I've also requested documents or anything that they have, proving that this is in fact my debt and I've received nothing.
04/27/2018	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	FL 34638	Web	Servicemember
I am truly in need of your help. World Omni Financial is reporting on my credit report and I do not believe this is correct information. I have disputed this with the bureaus and requested information directly from the company. The bureau has done nothing except indicate they validated the debt and World Omni has not responded to my request for additional information. There was no break down of fees received no payment history nothing. I don't understand why no one is giving me requested information.
11/26/2019	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30349	Web
A dispute was filed asking for the original creditor name and address, a letter was sent saying they received the complaint, the next day the car was stolen in violation of the cease to collection of the debt until validation which never occurred. I am a consumer/ natural person / human and the ultra vires act prevents companies from acting natural person as an artificial entity. Violation of 15 usc 1692, the GAAP Act, Truth in lending, Fair debt Collection Practices Act, and National Currency Act.
05/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30093	Web
I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately. XXXX Date Opened : XX/XX/XXXX Balance : {$8600.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$26000.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Date Opened : XX/XX/XXXX High Credit : {$180.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$23000.00}
08/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07108	Web
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 3. Identity Theft SETF/WOFC Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine.
10/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33321	Web
There was an inaccurate reporting on my credit report. I did not recognize the companies or organizations showing on my credit report. I already file a dispute on this last XX/XX/2023 and just waiting for the response from the bureaus. I would like to make sure that these companies or organizations will be remove in my credit report as they are affecting my credit as a whole. I also file a complaint with FTC about these companies and I am just waiting for the result as well.
01/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30046	Web
To Whom It : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
11/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 322XX	Web
You have the wrong address being reported to all 3 credit reportimg agencies. My only address is XXXX XXXX XXXX XXXX XXXX, FL XXXX. The XXXX XXXX address belongs to XXXX XXXX Banks Also as show of goodwill I would like all 4 late payments removed as payments are now being made on time. I would like to purchase a house and tgis is hurting my credit. Please remove all 4 late payments as follows : 30-59 days-January XXXX and XX/XX/XXXX 60-89 days- XXXX and XX/XX/XXXX XX/XX/XXXX
08/30/2022	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	VA 237XX	Web	Servicemember
Southeast Toyota Finance repossessed my vehicle while I was XXXX in 2018. My mother had soda im banking power of attorney and Southeast Toyota would not let her make payments on my behalf, resulting in my car being reposeessed. Once I was in port and had the correct internet access and phone service I needed, I offered to pay the past due and towing fees and southeast toyota still refused to accept my offer. My notarized power of attorney was even sent directly to them.
04/27/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MN 551XX	Web
Re- XXXX XXXX XXXX ( XXXX XXXX ) Account # XXXX 2017 XXXX XXXX XXXX XXXX XXXX XXXX I am having problems with my Auto Loan. Despite that I had in many occassions attempted to resolve this matter with XXXX XXXX XXXX, but of no avail. The main issues in question is that when I summit payments with additional principal. XXXX XXXX XXXX would not apply my funds to principal. Instead they would apply my additional principal as advanced deferred payments. This is wrong!
05/22/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 30046	Web
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
09/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	FL 32210	Web
In accordance with the fair credit reporting act XXXX XXXX Account, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 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. " All Rights Reserved ''
01/13/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	AL 36067	Web	Older American, Servicemember
I paid on the loan for my vehicle, and was never late on a payment. I got XXXX and my income dropped. I called the financial institution and explained the situation. They said they could not lower my payments. At that point I told them that I would volunteer and surrender the vehicle to them. The man i spoke with said that the vehicle would be enough to satisfy my loan, because of me saving the company re-possession fees and other costs. ( Apparently not ).
09/25/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	GA XXXXX	Web
Hello So recently my XXXX XXXX XXXX was towed due to allegedly being illegally parked and then repossessed due to non payment which is completely inaccurate. After being repossessed my finance company ( SETF ) would not release the vehicle without me paying a complete pay off amount which was reported to XXXX. I am an XXXX XXXX XXXX and I afraid that if this false debt is not removed I will not be able to finance or lease a vehicle for a very long time.
02/01/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	FL 32259	Web
Southeast Toyota Finance repo my vehicle, after getting a notice of violation of my right to recession of the contract within XXXX XXXX Notice was sent to them and it was ignored. according 15 U.S Code 1635 ( a ) I was never notified in writing about my right to rescind the contract. So the contract is void and null, they still harassed me collection of the voided contract. There was financial and emotional damaged caused by their business malpractices.
07/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33411	Web
This vehicle loan was transferred to recovery was a voluntary return do to health issues. XXXX XXXX was paid on this vehicle by reselling it in fact the balance is wrong. XXXX XXXX offered XXXX dollar settlement. Later was a verbal phone call of a XXXX dollar settled. But only have proof of a letter stating a XXXX dollar settlement which Ill take a picture of for proof and agreed to make payments on. The balance of over 16, 000. Is an incorrect balance
11/17/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	GA 30052	Web
On the date of XX/XX/2022 I paid the remaining balance of my debt to World Omni Finance XXXX Southeast Toyota finance and as of today which has been more than 45 days from the day that I have paid the debt that was supposed to be removed off my consumer report. however, it is still showing on my XXXX, XXXX, and XXXX report. Ive reached out to world XXXX XXXX to see if they could expedite the process, but they expressed that they couldnt do anything.
03/06/2018	Yes	Vehicle loan or lease Loan	Credit monitoring or identity theft protection services Problem with product or service terms changing	FL 32839	Web
Hello. I have A " World Onmi open account affecting my credit big time. I sign off on this card because my ex needed a car. After we broke up I realize that payment was not being made and a few months later the car was repo. Of course it will go on my credit because is under my name but I feel like although I made the mistake to get a car loan I should not be responsible for the remainder balance of 5k+ to be paid by me. Please help! Thank You
02/22/2016	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	GA 30328	Web	Older American
Starting XXXX XXXX, XXXX and continuing through today XXXX XXXX, XXXX Southeastern Toyota Finance calls my home line a minimum of 2 times a day regarding a payment arrangement I made on a voluntary repossession of a XXXX XXXX XXXX. The payment is due on the XXXX of every month ( {$150.00} ). I have not even been late. Today the reason for the calls " Is to see if anything has changed '', according to XXXX XXXX with XXXX ( XXXX XXXX XXXX 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	AL 360XX	Web
In accordance with the fair credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX, 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.
12/02/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	FL 32828	Web
World Omni Financial Corp., also known as XXXX XXXX XXXX has claimed to have an arbitration agreement with me regarding a loan for my 2010 XXXX XXXX that was originated by XXXX XXXX of XXXX XXXXXXXX , XXXX XXXX confirmed in writing that I had never had an arbitration agreement with them. Yet XXXX XXXX claimed without any documentation that the loan was transferred to it and that an arbitration agreement materialized upon the transfer.
08/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 360XX	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.
07/25/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	FL 33578	Web
So I was only to be placed on the loan as a secondary person and the request for the loan was denied then I was under the impression that that was it when later looking at my credit it was seen that they in fact ran my credit multiple time and has me as the main lend holder and I was unaware of this until get my credit report pulled. World Omni has the incorrect information and they are very rude when assisting me with the situation.
10/16/2023	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	FL 33625	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
09/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33614	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
09/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 328XX	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
08/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33614	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
08/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33625	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
08/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33032	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
08/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33032	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
08/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 328XX	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
08/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33615	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
06/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32808	Web
I 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 1668B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
04/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32792	Web	Servicemember
In accordance with the Fair Credit Reporting Act Southeast Toyota Finance has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 Section 604 Part 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.
12/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 27870	Web
I submitted numerous disputes. On the most recent dispute, XX/XX/2019 and XX/XX/2019 follow up letter and packet. I submitted a letter with the creditor lying to a North Carolina consumer protection agent on goods and services sold under false pretenses. After a detailed letter and report, they continue to report inaccurate historical data since XX/XX/2019 even after given clear historical numbers and violations of my civil rights.
11/01/2019	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	NC 27703	Web
I received a call from Southeast Toyota stating that I was behind in payments. I mentioned that it is the spouse that usually handles the payments and I requested to drop the late fees that have reached almost {$80.00}. I am not trying to not pay the monthly dues, but as good customer service, I requested to drop said late fees. The supervisor then said that since they're audited by CFPB, they could not drop the accumulated fees.
11/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33414	Web
I talked to the collections department about this account which they told me I would be up to date. I made payments and was reported every month after as past due. I would like the payment history deleted on this account as it is not true due to what I was told. My customer service was excellent from this company and I would like them to stop reporting the payment history which I feel would make me whole due to our conversations.
05/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31404	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States have the ight to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose,
09/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35405	Web
In accordance with the Fair Credit Reporting Act this Creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish account without my written instructions under 15 USCs 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
09/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33012	Web
I am back to date with accuracy on my payments, I have always been a good payer and was told, as soon as I am back in track with payments to be accurate and my lates would come off from my credit report. I called to get all the help needed and XXXX had agree not to put any lates on my credit and they still report me late. The reason why I was late had to do with my job not been able to work was laid off for a few months.
09/06/2022	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	NC 28546	Web	Servicemember
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for my purpose.
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	GA 30720	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. 15USC1681 Section 604 A Section 2 : It also States a consumer reporting agency can't furnish a account without my written instructions. 15USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose.
07/14/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	FL 32714	Web
I bought a XXXX XXXX XXXX car from XXXX car dealer in XXXX, name is XXXX XXXX XXXX. My loan term is 7 and 1/2 year that is 90 months, I paid {$1000.00} down. My installment is {$360.00}, which I find it very high interest rate. I feel I have been paying very high interest rate, because I am XXXX. ( like XXXX XXXX XXXX XXXX ). they have discriminated against me. Can you please help? date of purchase XX/XX/2017
11/28/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	FL 32713	Web
I called several times XXXX, XXXX to Toyota XXXX XXXX to request the cancellation of extra fees on my loan : A service contract of XXXX dollars and a maintenance fee XXXX dollars and They told can I couldnt cancel them, I communicated again today XX/XX/XXXX to make a new request and they told me that both warranties were expired XX/XX/XXXX and I couldnt request refund, this opportunity I spoke with XXXX XXXX
11/24/2023	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	NC 27106	Web
company called me 8 times within a 2 hour period on Tuesday XX/XX/XXXX with the first three calls being placed at XXXX XXXX and the last 2 being made at XXXX XXXX. on Wednesday XX/XX/XXXX, company called me 8 more times with the first call being made at XXXX XXXX and the last being placed at XXXX XXXX. as of today ( XX/XX/XXXX ) I have recieved 3 more calls all occurring at XXXX XXXX. it is currently XXXX
11/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33409	Web
XXXX World Omni Financial XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have reported late payments to the 3 credit reporting agency. The companies are reporting this information to my 3 credit reporting agencies and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these claims.
10/11/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	NY 11434	Web
On XX/XX/2023, SETF has contacted my phone number from XXXX EST all the way until XXXX EST every hour and harassed me. On XX/XX/2023, I have set a payment of {$1500.00} to go towards the car note. SETF has violated the Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692 et seq. ) by continuing prohibited practices by harassing me repeatedly calling my phone 4 times within 5 hours. Harassment.
11/21/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	FL 33579	Web
On XX/XX/2022. I purchased a brand-new XXXX XXXX XXXX from SouthEast Toyota Distributors , LLC. in Florida. In the distributor 's options, there is an add-on called XXXX XXXX at a cost of {$690.00}. I told my salesmen that I didn't want that add-on to remove it. I tried calling numerous times to get it removed or canceled. As of today, they made it unreasonably difficult for me to get out of it.
05/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 32086	Web	Servicemember
Ex wife missed a payment I was the closest signer on the loan I was never contacted by the XXXX XXXX XXXX about the missed payment. I viewed my credit report and noticed the late payment I called and had to make a payment out of my pocket on a vehicle that I was not using. I asked them to remove it in good faith from all 3 credit bureas in good faith and they didnt even have any empathy.
07/29/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	SC 296XX	Web
World Omni Auto XXXX LLC depositor and Southeast Toyota Finance d/b/a World Omni Finance received a security on or around XX/XX/XXXX. Securities fraud is taken place. I dont authorize any company to withhold my securities. They are violating the securities exchange act of 1933 that XXXX XXXX XXXX Assistant Treasurer says the company is in honor of. They are also violating the XXXX
09/28/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with signing the paperwork	FL 33417	Web
I signed a contract with XXXX dealership XXXX XXXX XXXX They told me 35 months I was going to pay XXXX a month but I didnt see on the small letters they are charging me 11 % dayly of the unpaid loan Witch is XXXX Made my first payment of XXXX Principal went down only XXXX Then the payoff amount every day keeps going up I didnt know Im paying dayli interest They never told me that
02/01/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	GA 303XX	Web
I sent the attached repo removal letter to SETF ( certified ) and they responded saying they only would be willing to talk on the phone or via email. That is against the law that they didn't provide the documentation with my signature on it matching my ID. They are reporting four derogatory accounts to my credit report and refuse to provide the signed contract on any of them.
09/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30045	Web
I have made several attempts to rectify this matter with World Omni Bank, XXXX, and XXXX. I have notified all of them that this account do not belong to me and was open as a result of identity theft. I have asked them to send me proof of my signature and they have not. I need your assistance in getting this account removed from my credit file. This is not my account.
02/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	AL 366XX	Web
I had XXXX was beyond my control and unforeseen health issues.And it caused me a lot of stress.They kept calling me and harassing about a payment.I had XXXX for XXXX month and could not get rid of itXXXX the name of the company is Southeast Toyota Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They did not want to here how sick I was all they want was their money.
06/02/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	FL 33157	Web
I have tried to contact SE Toyota Financing by mail regarding my account and the late payments being took of my credit reports. During the past few years I've had to take care of my family and members who had severe illness and caused me to fall behind on some of my payments. This will help me out tremendously with my financial situation for myself and family.
07/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 33411	Web
World Omni financial Corp transferred my XXXX XXXX account to recovery in XXXX. As a CHARGE OFF. But on XX/XX/XXXX updating account 4 years later on XX/XX/XXXX as date reported. This is inaccurate reporting. Should have been as originally reported in XXXX. I need the company to remove the XX/XX/XXXX as the date reported since it was in XXXX it was reported
02/24/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	PR 009XX	Web	Older American
A credit thief went to a car dealer in XXXX Alabama, impersonated me and took out an over {$44000.00} XXXX under my name, financed it with SE XXXX Finance DBA OF WOFC ( account # XXXX ) and is not making the monthly payments on it. I complained to the credit companies on another case and found that this company also reported a new account on my name.
12/11/2023	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	NC 283XX	Web	Servicemember
Purchased a XXXX XXXX XXXX from XXXX XXXX Toyota, XXXX, NC on XX/XX/XXXXXXXX XXXX The vehicle and warranty was paid in full for the amount of {$37000.00}. Southeast Toyota Finance XXXX, AL XXXX continues to send repeated statements and make harassing phone calls about payments. Southeast was told directly that I did not owe anything on the vehicle.
01/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CO 80112	Web
I have a closed account with XXXX XXXX. They never had my billing address correct and thus I 've never received a bill. I have asked their debt collectors to send me a bill at least 5 times now. They never do, and they just keep calling. I ca n't pay a bill without actually seeing the bill, but they wo n't send it to me and just keep harassing me.
07/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 62040	Web
I have written to SETF/WOFC several times as well as to XXXX and XXXX pointing out that their reporting of this debt on my credit report is reporting inaccurately. The account is marked as closed with a {$0.00} balance yet it is 30 days late in the payment status line. This is an impossibility and I believe it is a result of a keypunch error.
09/08/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28227	Web
I made a report with you on XX/XX/2023, in which the bank replied saying that they were going to withdraw the account from the credit bureaus. Today I am taking a letter from a law firm trying to collect the same debt. What should I do in this case, should I take them to court for harassment? Thank you very much in advance. Complaint ID XXXX
04/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 22801	Web
I had an account with Southeast Toyota Finance and it is reporting as late for XX/XX/2021 it should not be in my credit report due to age. I also have a late payment from the department of education for XX/XX/2021 that is showing late when I have been paying on time. That account is also from 7 years ago and should not be on my credit report.
10/09/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NC 27705	Web	Servicemember
I have a car loan with XXXX XXXX XXXX AKA World Omni. They are reporting my payments late. I am current on my account. They have me as 60 days late on XXXX and I have called XXXX about this issue and they have fail to correct it. I have also disputed this with the credit bureau as well and nothing has changed. I am current on this account.
03/07/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	FL 32811	Web
Good Day! {$1500.00} car loan posted on credit report as a charge off. The lender company said that I am behind in payments but I crashed that car and all the charges were paid by the insurance inclusive the GAP, but this company insist that I was supposed to do payments during the resolution of the case something that nobody told me.
06/08/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	NM 88310	Web
The company refuses to lower payments and will not offer an extension regardless of hardship due to brain injuries and other injuries suffered from a car accident leaving me unable to pay on time or the full amount due. I request to have the payments lowered or a three month extension put through to allow for everything to be caught up.
03/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30350	Web
Unauthorized inquiry to my consumer report demand {$1000.00} per violation. Invoice payment and letter attached. I have not authorized this company to obtain my credit report. You are in violation of The Fair Credit Reporting Act. 15 USC 1681, 15 USC 1681b ( f ), 15 USC 1693a ( 2 ), 15 USC 1681n ( a ), USC 1681 ( e ), 15 USC 57 ( b )
04/17/2019	No	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	FL 330XX	Web
I was shocked when I reviewed my credit report and found 30 days and 60 days late payment on the dates XXXX XXXX 30 days, XXXX XXXX 30 days, XXXX XXXX 60 days. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
09/17/2022	Yes	Payday loan, title loan, or personal loan Title loan	Incorrect information on your report Account status incorrect	FL 33417	Web
In according with the Fair Credit Reporting Act, SOUTHEAST TOYOTA FINANCE for ACCOUNT NUMBER : XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
10/12/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 31322	Web
I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
11/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30340	Web
Currently in federal litigation with XXXXWORLD OMNI FINANCIAL. Consumer reporting agency transferred me over 5 times after they saw the lawsuit. Company didn't honor cease and desist, company didn't validate information, federal lawsuit was done when inaccurate information was posted to my consumer report without permission.
10/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 352XX	Web	Servicemember
Southeast Toyota Finance was asked to verify a debt owed within 30 days and they failed to do so. This means, the account should be deleted from my report. Southeast Toyota Finance has sold this account to a debt collector whom I pay {$50.00} a month currently. They do not own this account but is reporting on my credit.
04/22/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 33610	Web
In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 section 604A section 2, also states a consumer reporting agency can not furnish an account without my written instructions.
09/24/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 32256	Web
I submitted a payment to Southeast Toyota in XXXX 2013 and the company marked me as 30 days past due on my credit report, however, I had submitted bank statements at the time showing that i made the payment and it posted to my account, and the date, but they refuse to make the necessary changes to correct the error.
05/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 33180	Web
I have 4 different accounts that I already paid in full in order to be removed from my credit report and the account still shows in my credit report as a XXXX balance. I need those accounts removed from my credit report. now I am trying to buy a house and these accounts that are paid still show as a negative item.
01/25/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	SC 299XX	Web
I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
12/12/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	FL 323XX	Web
XXXX XXXX XXXX added warranty and maintenance products to the loan I told them I did not want. The reimbursement check from the dealership was sent to southeast Toyota finance XXXXXXXX XXXX and has yet to be posted to my account. I have called multiple times and they say it is under investigation or is pending.
06/10/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	FL 32210	Web
I the affiant demand someone to remove these ridiculous charges off all the credit bueaus ( XXXX, XXXX, XXXX, XXXX, XXXX ) According to 15 USC 1666d ( b ) everything is PRE/PAID that means its billng error ( 12 CFR 1026.13 ) which requires resolution. And I the affiant XXXX XXXX XXXX is entitled to a refund.
05/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 303XX	Web
I sent a factual dispute to SETF/ World Omni Financial and they responded with a letter saying one of my accounts was going to collections. The account should have NEVER even been able to be sold off because I first sent them FCRA violations they committed against me. I will attach supporting documentation.
07/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29607	Web
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
05/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 365XX	Web
I do not recognize how this account is reporting on my credit report. I do not recognize the account number. I do not recognize the account status. I do not recognize the account high balance, nor do I recognize the late payment associated with it. Everything reported here does not meet the FCRA.
02/10/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32824	Web
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
09/09/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32824	Web
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
05/31/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 315XX	Web
SETF/Wofc Ive sent proof police reports thats my identity was stolen Ive never obtained a loan from this company they keep verifying my loan this loan is fraud Ive never did business with this company I want this item deleted its affecting my credit negatively and causing me serious distress.
04/27/2018	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	FL 34638	Web	Servicemember
There is a World Omni that was reporting on mine and my husband 's credit report. We have asked for validation of debt and they won't send anything. We have disputed it with the bureaus and they won't send anything. Please help the amount does not look right and they won't give us anything.
02/22/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	FL XXXXX	Web
The company stated they purchased this loan from someone else. But, failed to mention the name of the company. I'm only aware of XXXX XXXX XXXX as the loan originator. Who did they purchase the loan from? I never received a TILA disclosure and just found out about it on the CFPB website.
11/15/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	FL 34203	Web
As soon as I bought my new truck there were additional extended warrantys/ services. I called the next day to get them removed signed and return the cancellation forms and its been over 3 months and the extended services have not been taken off the f my total balance owed on the truck.
08/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35244	Web
This company has fraudulently opened and sustained an account under my name. The company was unable to verify any correct information and also funded this account under a false dealership name. This account is fraudulent and not a result of any transaction made by me the consumer!
02/22/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	FL 325XX	Web
On XX/XX/2020 my bill did not go through account with missed payment. I am kindly requesting SETF/WOFC to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
12/10/2017	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33179	Web
I was shocked when I reviewed my credit report and found late payment. 30 days late as of XXXX 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
01/20/2021	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 34668	Web
I am behind on my car payment due to covid-19. I understand I need to keep in contact with them ( Southeast Toyota Finance ), however they have started to call me at work. I have advised them several times that I can not receive calls at work yet they continue to call.
04/21/2022	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	GA 30045	Web
was asked by a representative of South East Toyota Finance if being behind by less than one payment was due to covid, I supplied proof that this was the in fact true. Since then i have continually received upwards of 6-8 phone calls and voicemails in a singe day.
01/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33181	Web
XXXX XXXX XXXX, I was informed that there was a change to my credit report from XXXX XXXX Omni Financial. Ive paid my bills on time and Im unsure why the late payment is reporting. Theyre unlawfully reporting an unauthorized late payment on my consumer report.
04/22/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33015	Web
They put that I was late and I was never late, the car loan was refinanced and the other bank pay in full and on time. Incorrect Item : Creditor : WORLD OMNI FINANCIAL Account : XXXX Reason : Never late. Please correct the incorrect reporting on XX/XX/2015
12/14/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	FL 342XX	Web
I signed a loan for a car with the understanding that the loan was for {$18000.00}. When the 1st payment came due, I noticed that the balance was higher. They added a {$120.00} fee to the principal that I had not been aware would be added to the principal.
11/28/2020	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	NC 27263	Web
The balance listed as a charge off/write off has been increasing its balance each month. This account was charged off in XXXX of 2020. Based off this charge off the balance should not be increasing at all. However the balance is increasing every month.
11/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 336XX	Web
i called to pay this and told collection company i wil pay but they must remove from credit report before i pay they said the will call original creditor and verify and they called me back and said they will remove it but they never did after i paid it
02/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33186	Web
Credit Reporting companies are reporting that I have 30 days late of a payment that I made to Setf. I never made 30 days late of a payment the other person that is making the payment made the payment 14 days late remove and update my credit report.
11/03/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease High-pressure sales tactics	FL 32256	Web
I sent in my Right to Recission letter and I hand delivered it to them and everything they never got back with me Because they signed me up for a vehicle that was XXXX but all together the car came up to XXXX with payments of XXXX per month
12/05/2023	Yes	Vehicle loan or lease Loan	Repossession Company explaining amount owed	NC 283XX	Web
Made contact with XXXX XXXX XXXX XXXX XXXX and the credit bureaus in XXXX, XXXX, XXXX and XX/XX/2023 about the inaccuracies on my credit report and the creditor and bureaus have failed to abide by the Fair Lending Laws and Regulations.
04/20/2017	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	FL 11419	Web
I applied for auto financing and they advertised a 0 % for 72 month loan and when I applied they refused to give me the rate even though I had good credit. I asked for information of the qualifications and was refused the information.
12/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33161	Web
XXXX keeps reporting multiple charge offs on my credit report with multiple debt amounts and duplicated accounts. Its being reported that I cosigned on these debts but another is showing that the responsibility is otherwise.
01/18/2018	No	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	NC 27886	Web	Servicemember
The car was repoed. I spoke with a customer service rep and told her I lost my job and couldnt afford the car, I asked if they could come pick the car up bc I wasnt able to pay. No one never came until about 5 months later.
06/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 33162	Web
they updated a old account. last payment was XX/XX/XXXX account was past due since XX/XX/XXXX not XX/XX/XXXX. they updated account to new status to affect my credit. that new status should be remove from my credit file.
02/16/2021	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 30291	Web
Southeast Toyota finance company has charged this debt off. They have repeatedly increased the balanced. They continue to harass me with threatening phone calls after Ive told them to stop calling me.
12/22/2017	Yes	Vehicle loan or lease Loan	Unable to get your credit report or credit score Other problem getting your report or credit score	MD 21244	Web
World Omni Financial Corp submitted Form XXXX Cancellation of Debt to IRS on XX/XX/2014 but has not cleared the public records of collection, resulting a damage of my credit score since 2014 to now.
12/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33014	Web
My credit report is showing World Omni account XXXX was past due several times in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX.The loan was paid and never was late .The information is incorrect.
01/25/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	FL 33139	Web
I applied for a car loan when my credit score was excellent. They had a 0 % offer advertised. I was not offered this loan but a higher amount. Why did I not get the special offer?
11/22/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	NC 28278	Web
I was told I had to buy all the packages with the car loan and I was told I was getring a 4 % interest and at signing it was at 8 % but I immediately told him I was not paying 8 %.
03/08/2019	Yes	Vehicle loan or lease Lease	Incorrect information on your report Account status incorrect	NC 28027	Web
The World Omni Financial-Retail is reporting that my account was delinquent. The account was paid on time every payment. I even made one extra payment after they had the car back.
07/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32208	Web
Southeast Toyota Finance company keeps re-aging my debt so that it shows on my credit report longer than the 7 years allowed by law. I can not get help from the credit bureaus.
04/20/2016	Yes	Debt collection Auto	Improper contact or sharing of info Contacted me after I asked not to	FL 344XX	Web
I specifically told my auto loan company ( XXXX XXXX Toyota Finance ) I would not give them the name of my workplace or the number. The following day they contacted me at work.
05/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30309	Web
I have filed a dispute to the incorrect items on my credit report. it has been over 30 days and I have not received any investigation results. I also submitted police reports
03/04/2019	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 34207	Web	Servicemember
I was late on 2 car payments due to national disaster hurricane irrma and red tide reduced my business they submitted to credit bureau withiut stating due to natural disaster
07/29/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	GA XXXXX	Web	Servicemember
XXXX XXXX XXXX loan debt was charged off showing XXXX balance. It still shows a balance of {$20000.00} on XXXX credit report. Please assist with getting it reposted properly
09/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33463	Web
In XX/XX/XXXX I totaled my XXXX XXXX XXXX and i had XXXX XXXX. After XXXX payed they left me a balance of {$880.00}. I don't owe this as XXXX should have paid this car off.
09/08/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	AL 368XX	Web
I had a car loan and at the end an amount was charged off. Within a month of the chargeoff, the remaining balance was paid in full. This is no longer an outstanding debt.
04/12/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 32811	Web
Hello! This collection it was removed from my report and know it shows I owned almost {$2000.00}, please help me with this thing. It dropped my score 40 pts Thanks!
12/06/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 33324	Web
SETF DBA OF WOFC is violating 15 USC 1666b. This company is inaccurately reporting late payments on my consumer report on the following dates ; XX/XX/22 and XX/XX/22
12/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32566	Web
XXXX is reporting my account as past due when its not Adding more late payments even though I pay monthly XXXX verified the information as correct but its not true
05/22/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	SC 29108	Web
i do noy OWE them XXXX dollars they are inaccurately reporting a debt that has been paid over 4 years ago please validate this debt or delete it
05/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32701	Web
INFORMATION IN MY REPORT THAT IS NOT MINE AND INCORRET THIS COMPANY IS REPORTING FRAUDELENT INFORMATION SETOYOTA FIN DBA OF WOFC # XXXX ...
08/31/2021	Yes	Vehicle loan or lease Lease	Incorrect information on your report Account information incorrect	FL 33165	Web
The late history should not be showing late because I think I paid on time. Please take your time to review this charge off account.
09/12/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	GA 30120	Web
Southeast Toyota Finance ( phone number XXXX calls my number 3-4 times per day asking for someone who used to work for me.
11/12/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	GA 30066	Web
I have called and mailed XXXX, XXXX, XXXX, and World Omni Financial Corp. regarding this account on XXXX XXXX, XXXX.
08/07/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA XXXXX	Web
I have XXXX inquiries on my credit reports dates XXXX-XXXX-17, and XXXX-XXXX-17 which I do n't recall authorizing.
11/29/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	FL 33594	Web
WORLD OMNI Fhas an account on my credit report with XXXX and XXXX that is not mine. opened on XX/XX/2017
04/26/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NC 27704	Web	Servicemember
this account said that I was 30 days late XX/XX/2018 I do not believe this is correct want this remove
02/28/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL XXXXX	Web
Company failed to provide date, time, and location of sale of repossessed vehicle as required by law.
07/29/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	NC 286XX	Web
Was charge {$800.00} for a Gap contract that I was not told about before signing that i did not want.
02/02/2022	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MD 21040	Web	Servicemember
I paid off account and they are refusing to provide proof or report it within a timely manner.
01/24/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	GA 30260	Web	Servicemember
This loan was paid off two months ago yet I have not received my title or any correspondence.
01/17/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Seized or attempted to seize your property	OH 44128	Web
These companies broke the laws and I was extorted by these companies. please see attachments
11/08/2018	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 30815	Web
XXXX XXXX financial keeps calling me after I asked them to stop. They call 6-7 times a day.
10/24/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	GA 30078	Web
Car loan on my credit. The car was repo 'd and sold for over $ XXXX with over $ XXXX.
01/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34232	Web
cra violation inaccurate information item is not mine XXXX XXXX XXXX XXXX
02/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL XXXXX	Web
There are Hard Inquiries that on my Credit Report that I don't recognize
11/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 354XX	Web
Submitted a credit inquiry application without my permission
12/07/2023	Yes	Vehicle loan or lease Lease	Getting a loan or lease Loan opened without my consent or knowledge	CA 91351	Web	Older American
Auto loan without my consent data breach identify theft
08/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33175	Web
This information did not belong to my account.
11/01/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	NY 11419	Web
I requested statement and never received them.
03/22/2017	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	OR 97702	Web
see upload letter please. Thank you.
08/18/2017	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	FL 32566	Web	Servicemember
Have had 8 calls in two hours
10/12/2019	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 302XX	Web
No contract.
01/30/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33594	Web

01/30/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30016	Web

01/27/2024	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	SC 29466	Web

01/24/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33881	Web

01/22/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28173	Web

01/19/2024	Yes	Debt collection Auto debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	GA 30213	Web	Servicemember

01/17/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Problem with personal statement of dispute	FL 33150	Web

01/12/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28339	Web	Servicemember

01/09/2024	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem extending the lease	FL 33076	Web

01/05/2024	Yes	Vehicle loan or lease Loan	Repossession Lender trying to repossess or disable the vehicle	IL 60563	Web

01/01/2024	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	FL 32571	Web	Older American

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

12/29/2023	Yes	Vehicle loan or lease Loan	Repossession Account reinstatement or redemption after repossession	FL 32839	Web

12/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33025	Web

12/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33165	Phone

12/20/2023	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	GA 30316	Web

12/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 296XX	Web

12/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 22209	Web

12/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	FL 33624	Web

12/12/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	AL 35603	Web

12/11/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	FL 33178	Phone

12/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29607	Phone	Older American

12/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33594	Web

12/08/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NC 28032	Phone	Older American, Servicemember

12/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	FL 33032	Web

12/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	FL 33604	Web

12/05/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	FL 34953	Web

12/02/2023	Yes	Vehicle loan or lease Lease	Problem with a company's investigation into an existing problem Was not notified of investigation status or results	MN 55379	Web

11/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	FL 33032	Web

11/28/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	NC 27217	Web

11/27/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with additional add-on products or services purchased with the loan	FL 34743	Web

11/23/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with additional add-on products or services purchased with the loan	NC 28032	Web	Older American, Servicemember

11/20/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	GA 30030	Web	Older American

11/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	FL 33614	Web

11/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	FL 33625	Web

11/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28173	Web

11/07/2023	No	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33032	Web

11/07/2023	No	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33604	Web

11/04/2023	Yes	Vehicle loan or lease Loan	Repossession Loan balance remaining after the vehicle is repossessed and sold	FL 33972	Web

11/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32821	Web

10/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 34746	Web

10/25/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 33604	Referral	Older American

10/17/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 33165	Phone

10/16/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	AZ 85050	Web

10/12/2023	Yes	Vehicle loan or lease Loan	Repossession Account reinstatement or redemption after repossession	AL 35216	Web

10/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Was not notified of investigation status or results	FL 32707	Web

10/11/2023	Yes	Vehicle loan or lease Loan	Repossession Loan balance remaining after the vehicle is repossessed and sold	FL 33073	Web

09/28/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28739	Web

09/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27612	Web

09/05/2023	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	SC 29388	Web

08/31/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33162	Web

08/31/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 32303	Phone

08/26/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with fees charged	GA 30008	Web

08/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28173	Web

08/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	GA 30294	Web

07/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33837	Web

07/18/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 33134	Web

07/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 33325	Web

07/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33032	Web	Servicemember

07/14/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease High-pressure sales tactics	FL 33604	Web	Older American

07/13/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with fees charged	FL 33634	Web

07/12/2023	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 30028	Web

07/11/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	SC 29920	Web

06/29/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	FL 33604	Web	Older American

06/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30080	Web

06/22/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	AL 35042	Web

06/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 32219	Web

06/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 11207	Web

06/10/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	AL 35042	Web

06/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33803	Web

06/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33614	Web

06/05/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Problem after you declared or threatened to declare bankruptcy	GA 30188	Web

05/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33803	Web

05/11/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	FL 32837	Web

05/10/2023	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	AZ 85743	Web	Servicemember

05/05/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 33313	Web

05/05/2023	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Lender trying to repossess or disable the vehicle	AZ 85743	Web	Servicemember

04/24/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	AL 35042	Web

04/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 73075	Web

04/12/2023	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Termination fees or other problem when ending the lease early	GA 30809	Web

04/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33905	Web

04/07/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 34221	Web

03/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30045	Web

03/23/2023	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	SC 29349	Web

03/20/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	GA 30115	Web	Servicemember

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	FL 33129	Web

03/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30349	Web

03/06/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	NC 27571	Phone	Older American

02/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32822	Web

02/23/2023	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30087	Web

02/19/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	GA 30045	Web

02/15/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	SC 296XX	Web

02/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34684	Web

02/06/2023	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 33162	Web

02/06/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	GA 30310	Phone

02/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 33162	Web

02/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 34609	Web

02/02/2023	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	FL 33613	Web

01/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 34609	Web

01/26/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	AL 36527	Web

01/26/2023	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	FL 33311	Web

01/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30319	Web

01/25/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	NC 28079	Web

01/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30058	Web

01/18/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 33905	Web

01/06/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with additional add-on products or services purchased with the loan	FL 33055	Phone

12/30/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30364	Web

12/29/2022	Yes	Vehicle loan or lease Lease	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	FL 33065	Web

12/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	FL 33311	Web

12/06/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	GA 30273	Web

12/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33146	Web

12/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27890	Web

11/27/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	GA 30417	Web

11/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33411	Web

11/14/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	SC 29423	Phone

11/09/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	FL 32771	Web

10/19/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 33579	Web

10/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28079	Web

10/03/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	FL 32771	Web

08/25/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	FL 32239	Web

08/22/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	FL 34609	Web

08/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AL 36553	Web

07/28/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 33770	Phone

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	OH 45140	Web

07/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35244	Web

07/20/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	GA 31087	Web

07/12/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	SC 29673	Web

07/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33160	Web

06/20/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AL 36866	Web

06/02/2022	Yes	Vehicle loan or lease Lease	Incorrect information on your report Account information incorrect	FL 33142	Phone

06/02/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	AL 36574	Phone

05/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33040	Web

05/26/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	MA 02345	Phone	Older American

05/21/2022	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	FL 34609	Web

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	NC 27804	Web

05/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33069	Web

05/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32257	Web

04/14/2022	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	FL 33009	Web

04/05/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	AL 35811	Web

04/01/2022	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	FL 33966	Referral

03/24/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	FL 32824	Web

03/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11372	Web

03/16/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 32210	Web

02/23/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	FL 32095	Web

02/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30349	Web

02/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AL 35126	Web

02/17/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	FL 33064	Web

02/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11374	Web

02/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	FL 33319	Web

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	FL 33069	Web

02/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33181	Web

01/27/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	FL 33064	Web

01/18/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 32773	Postal mail

12/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30126	Web

12/12/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	AL 35042	Web

12/08/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	GA 30047	Web

12/04/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	OH 44128	Web

11/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	SC 29673	Web	Servicemember

11/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 43230	Web

11/24/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	FL 34748	Web

11/23/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19115	Web

11/17/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	OH 44128	Web

11/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33409	Web

10/29/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19115	Web

10/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33313	Web

10/27/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	SC 29206	Web

10/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33511	Web

10/17/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	GA 30060	Web

10/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32792	Web	Servicemember

10/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32784	Web

10/02/2021	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	GA 31404	Web

10/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	FL 33009	Web

09/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33009	Web

09/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28081	Web

09/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33511	Web

09/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33511	Web

09/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33313	Web

09/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33511	Web

09/14/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28269	Web

09/07/2021	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 30060	Web

09/07/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	GA 30060	Web

08/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	FL 33603	Web

08/23/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	GA 30084	Phone

08/14/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	FL 33615	Web

07/21/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Personal information incorrect	AL 35980	Web

07/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 32824	Web

07/12/2021	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	NY 11358	Phone

06/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 22801	Web

06/08/2021	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	FL 32256	Web

06/01/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 33168	Phone

05/28/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32433	Referral

05/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	NC 28546	Phone	Servicemember

05/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32837	Web

05/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33071	Web

05/12/2021	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	FL 33033	Web

05/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	VA 22801	Web

04/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33598	Web

04/06/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	FL 32566	Web

03/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33136	Web

03/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32257	Web

03/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30039	Web

03/20/2021	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 32714	Web

03/12/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	FL 33437	Referral

03/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33592	Web

02/18/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	FL 32566	Referral

02/11/2021	Yes	Debt collection Auto debt	Communication tactics Used obscene, profane, or other abusive language	FL 33178	Web

01/27/2021	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Denied request to lower payments	SC 29429	Web	Older American

01/27/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	FL 33145	Referral

01/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30058	Web

01/16/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	SC 29649	Web

01/04/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	FL 33062	Web

12/14/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33311	Fax

12/11/2020	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	VA 22030	Web

12/08/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	FL 33062	Web

12/03/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	FL 33169	Web

11/30/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	FL 33612	Web

11/11/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	FL 33129	Web

11/10/2020	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem when attempting to purchase vehicle at the end of the lease	FL 33487	Phone	Servicemember

11/10/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	FL 33129	Web

10/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33065	Fax

10/22/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	FL 33319	Postal mail

10/20/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32805	Fax

09/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	ME 04022	Web

09/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30215	Web

08/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33462	Web

07/16/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	NC 27537	Web

07/10/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments		Phone

07/03/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	FL 33301	Web

06/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CO 81004	Web	Servicemember

06/15/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	FL 33025	Web

05/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27310	Web

05/18/2020	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	MI 49422	Web

05/13/2020	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem related to refinancing	AL 36474	Phone	Older American

05/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 32277	Web

05/08/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	FL 33625	Web

05/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30331	Phone

04/21/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	FL 33625	Web

04/17/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32822	Referral

04/17/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	FL 33615	Web

04/09/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	FL 33614	Web

04/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30417	Web

03/26/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	NC 27527	Web

03/21/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	FL 33625	Web

03/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33025	Web

03/06/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	FL 33615	Web

11/18/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	NY 14211	Web

11/12/2019	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	TN 37130	Web

11/05/2019	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	GA 30349	Referral

10/31/2019	Yes	Vehicle loan or lease Lease	Incorrect information on your report Account status incorrect	FL 33432	Web

10/24/2019	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Termination fees or other problem when ending the lease early	FL 34285	Postal mail

10/04/2019	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	FL 33618	Web

09/09/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with additional add-on products or services purchased with the loan		Phone

09/02/2019	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	FL 33330	Web

08/22/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 31316	Web	Servicemember

08/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33179	Referral

08/05/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	FL 33186	Referral

07/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30204	Web

07/19/2019	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	NC 28712	Phone

07/17/2019	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information is missing that should be on the report	GA 30009	Referral

07/05/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	NC 27523	Web

06/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	GA 30064	Web

06/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32878	Web

05/31/2019	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	GA 30241	Web

05/30/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	AL 35761	Referral

05/29/2019	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	NC 27571	Phone

05/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33023	Web

05/23/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	NC 28560	Phone	Servicemember

05/14/2019	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	GA 30040	Web	Older American, Servicemember

04/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 34135	Web

04/10/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	GA 30080	Web

04/05/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 31313	Referral

03/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33186	Web

03/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29125	Web	Servicemember

03/27/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	FL 34698	Web	Servicemember

02/15/2019	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 33028	Web

02/07/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	GA 31620	Web	Servicemember

02/02/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	FL 32806	Web

12/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 34113	Web

11/18/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	GA 31525	Web

11/14/2018	No	Vehicle loan or lease Lease	Managing the loan or lease Problem with fees charged	FL 32159	Referral

11/14/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	NC 270XX	Web

11/05/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid		Phone

10/18/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	FL 34986	Web

10/04/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	SC 29681	Postal mail

10/04/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	SC 29681	Postal mail

09/29/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	GA 30044	Web

09/29/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with a trade-in	FL 33062	Web

08/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33881	Web

07/23/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 34477	Web

07/18/2018	Yes	Debt collection Auto debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 33177	Web	Older American

07/17/2018	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	FL 33009	Web

07/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92057	Web

06/26/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	NC 27606	Web

04/24/2018	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with fees charged	SC 29568	Web

04/06/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	AL 35205	Web

04/05/2018	Yes	Vehicle loan or lease Loan	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30349	Postal mail

03/28/2018	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with fees charged	FL 32216	Web

03/26/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	FL 33185	Web

02/26/2018	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Lender trying to repossess or disable the vehicle	FL 32773	Web

02/14/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	FL 32839	Web

02/01/2018	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	MD 20906	Postal mail

01/25/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	FL 33312	Postal mail	Servicemember

01/24/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 31525	Postal mail	Servicemember

01/17/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 33055	Referral

12/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30044	Web

12/07/2017	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Termination fees or other problem when ending the lease early	FL 33544	Web	Older American

11/29/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30030	Web

11/20/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30331	Web

10/10/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37027	Web

09/30/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 33626	Referral

08/31/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32878	Web

08/29/2017	Yes	Vehicle loan or lease Lease	Managing the loan or lease Loan sold or transferred to another company	FL 32460	Web

08/03/2017	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	FL 33970	Web

05/16/2017	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 28801	Web

05/05/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30188	Web

05/04/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	FL 33153	Postal mail	Servicemember

05/03/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	FL 32068	Web

04/10/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NJ 97543	Web

04/07/2017	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	NJ 08831	Referral

04/04/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 32068	Web

03/09/2017	Yes	Consumer Loan Vehicle lease	Taking out the loan or lease	FL 32601	Web

02/08/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 34205	Phone

01/15/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	WA 98037	Web

01/09/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 34205	Phone

10/20/2016	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	FL 33042	Phone	Older American, Servicemember

10/19/2016	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	FL 33137	Web

08/31/2016	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	FL 33458	Web

07/22/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	FL 33161	Web

07/06/2016	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt is not mine	FL 32081	Referral

06/28/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	SC 29405	Web

06/27/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	FL 33167	Web

06/04/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	SC 29483	Web

05/19/2016	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	FL 32084	Referral

05/12/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33193	Postal mail

05/06/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 32238	Web

03/18/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease		Fax

02/19/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 34208	Web

02/09/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	FL 34690	Postal mail

02/09/2016	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	MD 20915	Web

02/05/2016	Yes	Consumer Loan Vehicle lease	Shopping for a loan or lease	FL 33311	Web

12/03/2015	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	FL 33029	Web

12/03/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	FL 32822	Referral

11/18/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	SC 29223	Web

11/05/2015	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	GA 31098	Postal mail

10/14/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	SC 29485	Web	Servicemember

08/31/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	FL 34212	Web	Servicemember

08/31/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NC 28027	Web

07/28/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	PR 00662	Web

07/21/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	SC 29169	Web

07/10/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	NC 28215	Web

06/15/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	PA 18062	Phone	Servicemember

06/02/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	AL 36116	Web

05/18/2015	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	NJ 08751	Referral

03/02/2015	Yes	Consumer Loan Vehicle lease	Taking out the loan or lease	FL 33174	Web

02/10/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	AR 72086	Phone	Servicemember

01/26/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33312	Web

01/21/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33068	Web

01/12/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 32119	Web

01/06/2015	Yes	Consumer Loan Vehicle lease	Shopping for a loan or lease	FL 33624	Web

12/17/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33319	Web

12/03/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 34209	Phone	Older American

11/08/2014	Yes	Debt collection Auto	Communication tactics Used obscene/profane/abusive language	FL 34110	Web

10/14/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	FL 33312	Web

10/07/2014	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	FL 32920	Web

09/30/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 30024	Web

09/26/2014	Yes	Consumer Loan Vehicle lease	Problems when you are unable to pay	MD 21229	Web

09/25/2014	Yes	Debt collection Auto	False statements or representation Attempted to collect wrong amount	TN 37882	Referral

09/25/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 32203	Referral

09/15/2014	Yes	Consumer Loan Vehicle lease	Shopping for a loan or lease	CA 91950	Web	Servicemember

08/25/2014	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	GA 30294	Web

08/06/2014	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	FL 32725	Web

08/01/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AL 35640	Postal mail

08/01/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	LA 70427	Web

07/17/2014	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	TX 77573	Web	Servicemember

07/16/2014	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	SC 29909	Postal mail

07/15/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 31216	Web

06/28/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	FL 33511	Web

06/24/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NJ 08075	Referral

05/30/2014	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	NJ 08075	Web

04/24/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33837	Referral

04/23/2014	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	FL 32765	Web

04/17/2014	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	FL 33436	Web

04/10/2014	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	FL 33064	Web

04/01/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 32907	Web	Older American

02/03/2014	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	SC 29410	Web	Servicemember

01/07/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	GA 30501	Web	Older American

01/06/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33176	Web

12/04/2013	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NJ 08721	Web

11/15/2013	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	FL 34677	Web

10/16/2013	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	NC 27408	Web

08/06/2013	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	OH 44333	Phone	Older American, Servicemember

06/22/2013	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	FL 32024	Web

05/01/2013	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	FL 33324	Referral

03/24/2013	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33062	Web

02/07/2013	Yes	Consumer Loan Vehicle lease	Problems when you are unable to pay	GA 31419	Web	Servicemember