Date Received: 2020-04-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I recently bought my car with my partner on XX/XX/XXXXMy credit was pulled, but the car place ended up using my partner 's credit and now I have all these inquiries from these loan places and I did not consent to those. I am confused as to why these inquiries are still here when it can be seen that his credit was used for the car and not mine. Starting on XXXX XXXX, my credit was pulled 5 separate times without my consent.
Company Response:
State: SC
Zip: 29550
Submitted Via: Web
Date Sent: 2020-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There stating on my report where everyone sees that I owe this money to sandtander well that's not true I sent it back an also XXXX I never ordered that I've had people call me up an ask me if I ordered XXXX I've never have an I'm XXXX an I don't want this XXXX other people got my social security number from some where cause 2 yrs ago I had a police officer tell me over the phone that I did something wrong then realised how could I have if I'm in XXXX an this happened in XXXX XXXX an I was in XXXX for a XXXX so yeah I want this stuff off my report I'm tiered of this I can't get any thing I'm so angerie so I'm telling u that the names also on the report I no how to spell my name this is rediculise I'm embarrassed of this XXXX but I shouldn't be I didn't do this I want it off my number is XXXX XXXX call me tell me what's happening XXXX im innocent .thank u XXXX XXXX
Company Response:
State: CA
Zip: 92806
Submitted Via: Web
Date Sent: 2020-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-24
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: On or about XX/XX/2019 i applied for a car loan with XXXX NJ XXXX XXXX and Chrysler Financial. They made changes to the loan amount at time of signing. Demanded i need gap insurance due to my trade in. Changed interest rate. Wouldn't give me XXXX insurance for job loss. Gave me far less then my trade was worth. Inflated MSRP prior to incentives to offset discounts. Refused to give me my trade in keys if i didn't sign. Finally put me into a loan for 75 months knowing i couldn't afford. They never verified my income and Chrysler is charging far more interest then my loan calls for. 9 months of payments, monthly {$690.00} changed fro {$670.00} before adding GAP. I pay and average of $ XXXX {$720.00} per month. I paid 9 payments for a total of {$6500.00}, only {$1100.00} went to principal. I will never pay this loan off based on these numbers. Furthermore, they pushed me into this particular vehicle telling me it's worth more.They claimed my trade would lose value if i wait longer.This is a predatory loan/ Also Chrysler uses Automated dialing system and voice messages to my cell phone to notify of payment due. I didn't sign any agreement to allow this.My original loan was {$28000.00} my balance as of today is {$26000.00}. They have failed to fix issues
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2020-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Please attached. This company is engaged is some outlandish accounting and credit reporting actions. They have reported me as being late, and most egregious, have been charging me late charges every month, even though I pay every month, per the receipt of my military XXXX compensation as originally agreed upon. My bank statements and their accounting 's are not in-line at all. They won't address the matter with me at all. Not over the phone, and have not sent me an accounting as they said they would. Instead they have stopped taking my phone calls all together. When I called previously, their agents would tell me that I have no account with them, even when I send them the account number from the bills that they send me however, when I call the same number, the automated system finds me easily to accept payment. The payment is presented as on-time when making it, but then reflects as late, with a late payment added, every month At this juncture, I simply want the CFPB aware of what this company does systematically.
Company Response:
State: IL
Zip: 62301
Submitted Via: Web
Date Sent: 2020-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: On several occasions I have filed a dispute with XXXX. I am afraid this company is too large to actually do a thorough and fair investigation. Credit reporting bureaus like XXXX claim they are here to help consumers with their credit reports by offering various services, while the company has proven to exploit our information to hackers and do lack luster investigations that seem biased in favor of the debt collector. I have filed a claim with XXXX over an auto loan with Santander from XXXX. The problem with this auto loan is that I got behind on my payments due to multiple set backs. The first set back in which Santander USA was fully aware of was be being wrongly terminated and actively engaged in a discrimination lawsuit against a previous employer. Then Hurricane Harvey hit XXXX, Texas in XXXX affecting my residence and vehicle. FEMA inspector determined my vehicle to have damage, and scheduled an appointment with a mechanic to estimate repair costs. Although I made Santander aware of this, they still chose to reposess the vehicle before the 90 period that they claimed we had before a vehicle was reposessed. What type of company would prey on a Natural Disaster Victim and Discrimination Victim. XXXX removed Santander from my credit report after their investigation. But after 3 attempts to dispute it on XXXX they have yet to remove it and refuse to acknowledge XXXX investigation making their investigation negligent. XXXX caused all my data to be breached after i trusted their services, and yet they cant even give me an honest removal of Santander from my credit report. I am eventually going to seek legal guidance if this isnt resolved. This crooked scam system they have going needs to be thoroughly investigated.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2020-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-23
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Santander Consumer sold a retail loan on the XXXX XXXX that was a recalled car for a 25 % interest rate and it was predatory lending. The loan went into default and the asset was recovered by the creditor. I was not given the date, location, and time of the sale and was never given the option to bid for the car at the final sale. Its violates the sales Article 9, under Section 9-612 ( b ) of the Uniform Commercial Code, a secured creditor sends notice in a reasonable time frame if the notice is sent after default and at least 10 days before disposition and Section 9-613 of the Uniform Commercial Code and Section 9-614 of the Uniform Commercial Code. Article 9 demands that a secured creditors sale must be reasonable in every aspect, including time, manner, place, and any other terms. Furthermore, a secured creditor is required to provide reasonable notification of the sale to the debtor. The creditor is now charging a debt collection of {$3000.00} after they got the asset and sold it, this is commercially unreasonable and wrong. There is no verification by the creditor that I was given notice of the sale of the car and who it was sold to. Creditor gave no verification that I was ever given notice of the sale that is required by law.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2020-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I cosigned, through XXXX XXXX, a lease in XXXX for my son. He allowed the vehicle to get repossessed and we were responsible for the remainder of the vehicle value after it was sold at auction. I paid this account in full in XX/XX/XXXX. I have repeatedly called and asked for a paid in full statement and a correction to my credit report. Neither has happened.
Company Response:
State: AZ
Zip: 85120
Submitted Via: Web
Date Sent: 2020-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The Santander Consumer USA account had been charged off, and the vehicle has been returned to Santander Consumer USA. There appears to be an increased amount added to my charged off auto loan in the amount of {$770.00}. How can my account accrue charges if its charged off and closed? I want this item removed from my credit reports. And I will continue to dispute this being added after the vehicle had been returned to Santander Consumer USA and the vehicle is charged off. Im a XXXX military Veteran on a fixed income and do not need the extra burden that having this added to my account is causing. Im also an employee at the Veteran Affairs Hospital in XXXX Texas, on a limited schedule, and I am exposed to patients with Covid-19 on a daily basis. This is an unnecessary burden affecting my credit as if I didnt already have enough to worry about, having almost been evicted and facing homelessness in the wake of this pandemic affecting lives across the globe. They have their car, so I want my credit reports corrected.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2020-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have reached out to XXXX to ask to remove the loan for a car loan from Santander Comsumer u in the amount of XXXX it was originally supposed to be settled with company in the amount XXXX which was done in XX/XX/XXXX as settled instead it was put on credit as charge off. I have send forms paper mailed out forms and complaint XXXX XXXX nothing again XX/XX/XXXX instead they added it back to my account and recently damaged my credit. Im asking this loan is settled to please remove my account or atleast to please stop the damage to my account. Im not getting help from anybody
Company Response:
State: CA
Zip: 95829
Submitted Via: Web
Date Sent: 2020-04-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-22
Issue: Getting a loan or lease
Subissue: High-pressure sales tactics
Consumer Complaint: This is a problem I had with XXXX XXXX in XXXX NJ in XXXX of 2013. The owner called me and said he had a pre approval for the car I always wanted. Me being a car person was interested but could not afford another vehicle at the time and let the salesman/owner know that, so they persisted saying what if I could pay next to nothing monthly for the vehicle would I take it? I replied of course I would and then he said ok come down and Ill make it happen. I proceeded to go there and they verbally informed me that I didnt have to pay for 6 months and then XXXX for 6 years. That was perfect he didnt write any paperwork and then gave me the car with no signature or anything. I didnt even know what bank I had to pay until I was called 3 months later by Santander telling me I owned them XXXX dollars and I was 30 days behind on my payments. Now I voluntarily returned the vehicle and suffered for 7 years with horrible credit because of this company and they refused to remove this from my credit report with no proof of any documentation, no proof of my signature, no proof of anything that coincides with the fair credit reporting act and then to top it all off they changed it from paid to unpaid now. Which it was paid and reported as paid for years and now put it as unpaid while not abiding by the law of the United States and trying to belittle my rights to question them. The contract they have is null and void because the agreement I had is with the dealer who will also not have proof because nothing was signed and under the fair credit act this entire report should be removed from all reporting agencies XXXX, XXXX, and XXXX. If it is not I will move to whatever lever necessary and make sure the media is notified about my case and all the measures taken to help me fix this from this point on. Thank you in advance for reading my unfortunate chain of events and I would greatly appreciate exposing the lies of all these banks because they can get away with doing it. I know this is much bigger then just myself, and I will write a letter to whom ever necessary to show them I paid them and now they are saying I didnt so they can claim it as a loss and collect insurance. Unfortunately it was paid years ago, and it showed on my credit report when I paid it. As of this week it changed to unpaid and charged off. Let me know the following steps I am going to need to take. Thank you my proof for all this is they dont have my identification and have my name wrong and address. If I provided them with paperwork they would have written it as it was seen on my ID but obviously they Fraudulently pushed the paperwork through and I want this removed immediately.
Company Response:
State: NJ
Zip: 079XX
Submitted Via: Web
Date Sent: 2020-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A