First Investors Servicing Corporation 1st Investors LYE CONSTANTLY storyies change often always claim We didnt pay a payment when we provide proof they ask for current payment. online mostly Nationwide

I am a consumer and have nothing to do with the finance company you are posting about, but I understand financing.  If you look at your contract and the note rate is 15% this explains why you have very little going toward your principal balance. You can go to one of the amortizaiton calculators on the web and input your original note data to get an amortization schedule as it would have been had you made every payment on time.

There must have been payments made after the due date because you mention in your post that several payments show all interest paid and no allocation to principal. This only happens when you pay after the due date as the interest accrues daily. The longer you take to make the payment, the more interest you pay.  If you skip a payment, it is added to the back of your loan and you end up paying much, much more in interest - especially if you skipped a payment early in the financing period.  Also the rate reduction you received is usually for a hardship and that interest doesn't dissappear, it is tacked onto the backend of your loan, reducing whatever principal you had already paid. You may have paid down the principal further than the $1500 now showing, but you used it up when you took advantage of the hardship program that reduced your rate for 6 months. 

Short term solution: If your credit is better now, refinance with a credit union so you have a lower interest loan.  You may need to bring cash to pay down the principal to an amount the new lender is willing to finance (based on milage, age and value of the vehicle). 

Longer term solution: High interest loans can turn a purchase into a nightmare. The longer you are in the loan, the worse it is for you.  Refinance as soon as you can. Next time don't take the high interest loan.  Get your financing from a credit union or bank prior to looking at any vehicle purchase.  Having the dealership finance your car is the worst way to buy as there is a huge monetary incentive for the dealership to increase the interest rate above the rate that a lender will actually charge.  Do some research, it can save you a ton of money.