|
10779555
|
2024-11-14
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Exeter Finance, LLC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-11-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-14
|
| Complaint What Happened |
someone else opened a auto loan in my name i never bought a vehicle i'm now seeing this on my credit report and there are alot of late payments too this auto loan does not belong to me the account number is XXXX with exeter finance LLC
|
| Consumer Consent Provided |
Consent provided
|
|
|
11472363
|
2025-01-10
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Exeter Finance, LLC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-10
|
| Submitted Via |
Web
|
| Company Response |
In progress
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-10
|
|
|
11746543
|
2025-01-24
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Exeter Finance, LLC.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
I do not know
|
| Date Received |
2025-01-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-24
|
|
|
11098241
|
2024-12-10
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Exeter Finance, LLC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-10
|
| Consumer Consent Provided |
Consent withdrawn
|
|
|
11336788
|
2024-12-31
|
Getting a loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Getting a loan or lease
|
| Timely |
Yes
|
| Company |
Exeter Finance, LLC.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Credit denial
|
| Sub Product |
Loan
|
| Date Received |
2024-12-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-31
|
|
|
10681921
|
2024-11-04
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
Exeter Finance, LLC.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Problem with the interest rate
|
| Sub Product |
Loan
|
| Date Received |
2024-11-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-04
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11206686
|
2024-12-18
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Exeter Finance, LLC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-18
|
|
|
11168974
|
2024-12-16
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Exeter Finance, LLC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-16
|
|
|
7351934
|
2023-08-05
|
Struggling to pay your loan
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Struggling to pay your loan
|
| Timely |
Yes
|
| Company |
Exeter Finance, LLC.
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Installment loan
|
| Date Received |
2023-08-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-08-05
|
| Complaint What Happened |
Came to my attention fraud is being committed and harming my personal well being According to 15 U.S Code 1605 ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.
( 2 ) Service or carrying charge.
( 3 ) Loan fee, finders fee, or similar charge.
( 4 ) Fee for an investigation or credit report.
( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.
Also Regulation Z prohibits certain practices relating to payments made to compensate mortgage brokers and other loan originators. The rule prohibits a creditor or any other person from paying, directly or indirectly, compensation to a mortgage broker or any other loan originator that is based on a mortgage transaction 's terms or conditions, except the amount of credit extended. The rule also prohibits any person from paying compensation to a loan originator for a particular transaction if the consumer pays the loan originator 's compensation directly.
The rule also prohibits a loan originator from steering a consumer to consummate a loan that provides the loan originator with greater compensation, as compared to other transactions the loan originator offered or could have offered to the consumer, unless the loan is in the consumer 's interest. The rule provides a safe harbor to facilitate compliance with the prohibition on steering.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10890275
|
2024-11-21
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Exeter Finance, LLC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-11-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-21
|
| Complaint What Happened |
Exeter XXXX is trying to collect for a vehicle no longer in my possession that I voluntarily gave up due to not being able to pay. My name at the time was XXXX XXXX. Exeter XXXX used the company XXXX XXXX XXXX to try to sue me for the amount they could not collect for the remaining of the sale, and in which we went to court for. The XXXX was dated back in XXXX, in which they did not try to take me to court until XX/XX/XXXX. The case was " discontinued '' at the XXXX XXXX XXXX XXXX on XX/XX/XXXX. I am disputing this due to stature of limitations since it is past the legal time limit of 3 years to sue someone for the debt and to cease and assist this debt. I also would like it removed from my credit report as well. Thank you!
|
| Consumer Consent Provided |
Consent provided
|
|
|
5965341
|
2022-09-09
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
Exeter Finance, LLC.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Billing problem
|
| Sub Product |
Loan
|
| Date Received |
2022-09-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-09-09
|
| Complaint What Happened |
Exeter Finance has reported 16 late payments along with charging a late fee when I have been paying on time since XXXX XXXX XXXX. Ive reached via email as well as by telephone and every time I ask to the rep to speak a Supervisor they say the supervisor is busy or state they cant hear me during the telephone conversation. The late payments stem from payment extension arrangements that send the car note to the back of the auto loan which in return should not report the loan as late. I do have paperwork supporting it should you need more I will be able to provide such.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10743870
|
2024-11-09
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Exeter Finance, LLC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-11-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-09
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5107220
|
2022-01-13
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Exeter Finance, LLC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Auto debt
|
| Date Received |
2022-01-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-01-13
|
| Complaint What Happened |
Exeter Finance On XX/XX/XXXX, a contract was signed for a XXXX XXXX XXXX at XXXX XXXX XXXX.
I provided my social security number in order to seek out financing for this vehicle.
The total loan amount was {$41000.00} The bank agreed to participate in this consumer credit transaction for this vehicle on my behalf using my credit which I gave access to with the use of my social security card, or credit card pursuant to 15 USC 1602 ( l ) of Truth in Lending Therefore, I take the role as the original creditor due to my open end consumer credit plan pursuant to 15 USC 1602 ( j ) The bank can not be the original creditor because the role of extending credit is not a listed power of banks or financial institutions pursuant to 12 USC 1431 The bank becomes a creditor after I extended my credit to them with the use of my credit card The bank completed the transaction with the dealership which completed the consumer credit transaction The bank sent me letters stating that I am allegedly obligated to pay on a debt I have have with them for the auto loan This is a violation of the FDCPA 15 USC 1692b ( 2 ) I sent a letter to the bank requesting verification of the original creditor in this transaction.
I do not owe any debt to this bank due to my role as a creditor 15 USC 1692a ( 4 )
|
| Consumer Consent Provided |
Consent provided
|
|
|
10272121
|
2024-09-27
|
Getting a loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Getting a loan or lease
|
| Timely |
Yes
|
| Company |
Exeter Finance, LLC.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Credit denial
|
| Sub Product |
Lease
|
| Date Received |
2024-09-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-27
|
|
|
4167017
|
2021-02-26
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Exeter Finance, LLC.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-02-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-02-26
|
| Complaint What Happened |
I complained about a negative account listed on my report in XX/XX/2020, however when I complained the company pulled my credit report without my consent and leaving an inquiry.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10305283
|
2024-10-01
|
Getting a loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Getting a loan or lease
|
| Timely |
Yes
|
| Company |
Exeter Finance, LLC.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Loan opened without my consent or knowledge
|
| Sub Product |
Loan
|
| Date Received |
2024-10-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-01
|
| Complaint What Happened |
My identity was used to accumulate fraudulent charges on an account that I did not authorize, my information was attainted without my knowledge, and my personal information was used to attain fraudulent accounts that I had no prior knowledge of.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3933577
|
2020-11-03
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Exeter Finance, LLC.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2020-11-03
|
| Submitted Via |
Fax
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-11-09
|
| Consumer Consent Provided |
N/A
|
|
|
7380449
|
2023-08-10
|
Improper use of your report
|
Vehicle loan or lease
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Exeter Finance, LLC.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Loan
|
| Date Received |
2023-08-10
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-08-10
|
| Consumer Consent Provided |
N/A
|
|
|
3973871
|
2020-11-24
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Exeter Finance, LLC.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2020-11-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-11-24
|
| Complaint What Happened |
Hello, good evening, I want to inform that there are several companies that are reviewing my credit history, I have called each of those companies but nobody answers me, I had to call XXXX so that they can cancel and start an investigation but they ask me for this certificate that I am doing it. Now please I do not authorize anyone to review my credit bureau and they are doing it only in one day they have reviewed about 10 times and I do not authorize any of those companies like XXXX XXXX XXXX and some others. They started asking for my credit history from the XXXX and today the XXXX of XX/XX/2020.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8261891
|
2024-02-01
|
Improper use of your report
|
Vehicle loan or lease
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Exeter Finance, LLC.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Loan
|
| Date Received |
2024-02-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-01
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10781548
|
2024-11-13
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Exeter Finance, LLC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Auto debt
|
| Date Received |
2024-11-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-13
|
| Complaint What Happened |
I am writing to formally submit a complaint against Exeter Financial for the following reasons 1.inaccurate reporting Exeter Financial has reported inaccurate information regarding my account to credit reporting agencies, This misinformation has adversely affected my credit score and financial stability.
2. Misuse of Federal Reserve Loans, I am concerned that Exeter Financial may be abusing loans obtained from the Federal Reserve it appears that these funds are not being utilized in a manner consistent with ethical banking practices, particularly in relations to accounts.
3. Abuse of Insurance Policy, Exeter Financial charged me and continue to charge me while collecting on the insurance policy that was supposed to insure the alleged loan. This practice appears to be and abuse of the insurance coverage and has resulted in additional financial burden for me.
4. Exeter Financial is in violation of the FCRA and Privacy Act of 1974 as I havent received a Privacy Notice from them to be able to Furnish to my consumer report.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10680163
|
2024-11-05
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Exeter Finance, LLC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-11-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-07
|
| Consumer Consent Provided |
Consent not provided
|
|
|
8357478
|
2024-02-16
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Exeter Finance, LLC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-02-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-16
|
| Complaint What Happened |
Exeter Finance was an account that was paid off back in XXXX. This account was reported on and is still on my credit report. This account was closed, and the company received their pay off for the vehicle that was financed. I would like this account removed from my credit report. Also if Exeter Finance disagree, I would like documents supporting that they have not been paid off for this loan sent to the address on file.
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX NY XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
3038845
|
2018-10-05
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Exeter Finance, LLC.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2018-10-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-10-05
|
| Complaint What Happened |
Exeter finance is intentionally violation the FTC FCRA rules by intentionally reporting balance inaccuracies to the credit bureaus. I have disputed the balances and the status of the account multiple times and Exeter returns with a difference balance that they intentionally know is incorrect in order to impact my credit. The account is reporting in a charge off status, each month they report the account as a charge off, however, the balance is incorrect, the date of initial delinquency is incorrect and the account is managed/sold to XXXX XXXX, who contacts me about the balance.
Per their website the balance remaining on my account is {$14000.00} as of XX/XX/XXXX. The terms is reporting as 73 months and not 72 months per my Exeter statement. I disputed the balance in XX/XX/XXXX and they returned stating the balance is {$21000.00}. I disputed the balance again in XX/XX/XXXX, on one credit bureau report they stated " Account charged off. {$24000.00} written off. {$21000.00} past due as of XX/XX/XXXX '' to XXXX. The statement of {$24000.00} being written off is a factual inaccuracy and it is the obligation of the creditor to report factual information or delete, update or remove the account.
Per my Deficiency letter dated XX/XX/XXXX, the vehicle was sold for {$10000.00} with all of their fees the deficiency balance is {$17000.00}. Again, this was dated in XX/XX/XXXX which means all of the reporting after XX/XX/XXXX with the inaccurate balances was based off of inaccurate information from Exeter. An intentional effort to report false information and a clear example of Exeter failing to abide by the FCRA rules.
Again, I have disputed this account for years, at each attempt at disputing the balance is returned with a different amount which is in violations of the FTC FCRA 623 ( b ) ( 1 ) which states If a CRA notifies you that a consumer disputes information you provided, you must : investigate the dispute and review all relevant information provided by the CRA about the dispute ; report your findings to the CRA ; provide corrected information to every CRA that received the information if your investigation shows the information is incomplete or inaccurate ; and modify the information, delete it, or permanently block its reporting if the information turns out to be inaccurate or incomplete or cant be verified. FCRA 623 ( b ) ( 1 ).
|
| Consumer Consent Provided |
Consent provided
|
|
|
2139778
|
2016-09-30
|
Managing the loan or lease
|
Consumer Loan
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
Exeter Finance, LLC.
|
| Product |
Consumer Loan
|
| Sub Product |
Vehicle loan
|
| Date Received |
2016-09-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-10-04
|
| Complaint What Happened |
Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/XXXX2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2780423
|
2018-01-12
|
Getting a loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Getting a loan or lease
|
| Timely |
Yes
|
| Company |
Exeter Finance, LLC.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Credit denial
|
| Sub Product |
Loan
|
| Date Received |
2018-01-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-01-12
|
| Complaint What Happened |
XXXX 2017 I purchased a car from XXXX XXXX in XXXX NY. I put the money down and drove the car for 3 weeks when XXXX XXXX decided they cancelled the loan. However I never received a letter to that effect. So I been driving the car but no finaning. Its insured and legal.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10735913
|
2024-11-08
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Exeter Finance, LLC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-11-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-08
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2493808
|
2017-05-25
|
Getting a loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Getting a loan or lease
|
| Timely |
Yes
|
| Company |
Exeter Finance, LLC.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Problem with signing the paperwork
|
| Sub Product |
Loan
|
| Date Received |
2017-05-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-05-25
|
| Complaint What Happened |
In or around XXXX XXXX , lifelong trusted friend, approached me about co-signing for a car. I was under the impression that co-signer meant a witness to the transaction or to confirm that Ms. XXXX was of good character. In or around XXXX XXXX , I accompanied Ms. XXXX to XXXX XXXX XXXX . At the time of signing, the car dealership representative directed me to sign here, noting that the signatures were just formalities. The representative did not explain to me what exactly I was signing or inform me of my responsibilities as a co-signer. After signing, the representative did not provide me with any copies of the documents related to the car. Instead, he told Ms. XXXX and I that the documents will be mailed to you. I had expected to receive the documents in the mail, but I never obtained the documents evidencing my obligation as the co-signer on the transaction. I discovered that the car loan was reporting negatively on my credit report when I was denied for a home loan in late XXXX . I did not recognize the Exeter account on my credit report, so I contacted Exeter using the information listed on my credit report. Exeter explained that I had co-signed for the car, and thus if Ms. XXXX defaulted on payments, the account would become part of my credit report. Exeter also sent me the Simple Finance Charge do cument, which was the first copy of the Simple Finance Charge that I had ever received. After sending a verification letter to Exeter on XXXX XXXX XXXX , I received the statement of the account, a copy of a monthly statement, and another copy of the Simp le Finance Charge. How ever, I did not receive any documentation that proves I was reasonably informed of my obligations as a co-signer at the time I signed for this account. Pursuant to New York Obligations Law 15702, before a co-signer becomes obligated on a consumer credit transaction, the creditor is required to deliver to the co-signer a complete copy of each note, contract, or other writing evidencing the obligation of the co-signer on the transaction, and a written notice that identifies the debt the co-signer may have to pay and reasonably informs the co-signer of his or her obligation with respect to it. According to New York Obligations Law 15702, if a creditor fails to comply with these provisions, the co-signer shall not be obligated as a guarantor of payment. At this point, I contacted the lawyers at the XXXX XXXX XXXX . They wrote to Exeter on XXXX XXXX XXXX requesting that they produce documentation that proves that I was reasonably informed of my obligations as a co-signor at the time of signing as required by the law. To date, Exeter has not produced any documents nor have they responded to my lawyer 's letter. In violation of the law, they continue to report this account to the credit reporting agencies and have not removed me as a co-signor.
|
| Consumer Consent Provided |
Consent provided
|
|
|
743861
|
2014-03-05
|
Problems when you are unable to pay
|
Consumer Loan
|
|
| Issue |
Problems when you are unable to pay
|
| Timely |
Yes
|
| Company |
Exeter Finance, LLC.
|
| Product |
Consumer Loan
|
| Sub Product |
Vehicle loan
|
| Date Received |
2014-03-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-03-05
|
| Consumer Consent Provided |
N/A
|
|
|
806298
|
2014-04-12
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Exeter Finance, LLC.
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
Auto
|
| Date Received |
2014-04-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-04-12
|
| Consumer Consent Provided |
N/A
|
|
|
10378607
|
2024-10-09
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Exeter Finance, LLC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2024-10-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-09
|
| Consumer Consent Provided |
Consent not provided
|
|
