Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Finance LLC (DE)

Complaint:
I don't know where to begin. This complainant is about is about a XXXX XXXX  company they call American Finance. I got my credit report back on the complaint I have been complaining about showing proof that this company was charging me XXXX every two weeks for 14 months so the total I paid was {$6100.00} Dollars towards this loan once I submit my credit report you going to see that they said I only made {$3300.00} dollars towards the loan how can I only made {$3300.00} dollars towards the loan if I was paying {$220.00} every two weeks since XX/XX/XXXX and the last payment was made on XX/XX/XXXX Remind you in the 1st complaint and showed proof that they they gave me a 1 year tag the expired on XX/XX/XXXX that's when i was calling trying to get my tags and they refuse to give me my tags and they lied and said that they never charged me for tags and then I sent in proof that they in fact charged me for a two year tag and only gave me one and never gave me my tags so that's why I made the last payment on XX/XX/XXXX Because they refused to give me tags and I wasn't paying until I got them and they repose the car now in the Credit report says that terms left on the loan was 16 months so once again I showed proof that I was paying every 2 weeks so how can I be late and they reported to the credit company that I was late then it states that it was for a 29 month loan when the contract I proved showed it was for 60 months and they reword it as payments to make it 30 months because I pay every 2 weeks the like the same as 13 months payments 26 weeks which make it a 29 month the proof I sent in can show that they falsified document and that's why they tell people of color when we take your people to court we always win. They not reporting that they charged this guy for a 2 year tag making him pay interest on itXXXX and never gave him his tags but we still going to repose it cause we didn't live up to our contract but we made him. like I stated in my complaint before and lied to me and said they have they own insurance but in fact it was debit cancellation and now you guys believe me that this company do nothing but lie and mislead and do unfair trade practices customer when I prove the email sating that they never charged me for tags and contract say they did will somebody believe me that this company lie to there consumers and run a Ponzi scams with Car dealerships I paid online so I got every payment history so where did the money go if I only paid {$3300.00} towards the loan when my payment say I paid {$6100.00} every 2 weeks @ {$220.00} but they say the loan was only for {$9700.00} dollars but I showed proof in this complaint last complaint that the loan was for {$13000.00} there's funds missing and they didn't know what happened to it and they reporting information and pocket the rest of the money Because of my Credit Report and personal information like SS # the proof will be mailed in

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation