Western funding inc Not undulating credit and not showing payments online and having a bunch of people car for being 1 day late Las Vegas Nevada

I’ve been paying for almost 1 year never updated my credit report I feel like I’m being ripped off of paying to much for a 2008 the loan was only suppose to be for 13 thousand so I don’t know how it’s 22 thousand if I’ve been paying my pay off it’s still at 13 thousand this doesn’t make sense and I’ve been having way to many people car never talked to anyone real from that place I told them I didn’t want the car in the first place bc it’s messed up and still having to pay on it 424.11 a month is a lot for an old car that they want to repo for missing 1 payment when they said it was fine I’ve seen so many different files on here with other people having the same problem, i don’t know what else to do my payoff keeps being around the same number witch doesn’t make any sense I never even gave my consent to even have this bank the dealer ship did it then self and told me sign this paper witch I already got approved somewhere else and signed everything them my car got repoed 1 week later this is just to much