Managing the loan or lease: Vehicle loan or lease

I am writing to formally request a review of my loan, including the interest rate, the way my payments have been applied, and the explanation I received when I contacted your office about my concerns. When I reviewed my payment history, I noticed that only about one-fourth of my payments appeared to be applied toward the principal balance, while the majority was applied toward interest. Because of this, it feels as though I have not been able to make meaningful progress in reducing the principal balance. I was also concerned that, if the principal balance is not decreasing, I would not be able to reduce the overall interest burden as quickly as expected. I contacted your office to ask why such a large portion of my payments was being applied to interest instead of principal. The response I received was that I had already signed the contract and that the terms are what they are. I understand that I signed a loan agreement, but I am requesting a clearer explanation of how the interest is being calculated, how each payment is being allocated, and whether the terms or servicing practices comply with applicable lending laws and consumer protection requirements. At this point, I am concerned that the loan may involve an unfair or predatory interest structure that makes it difficult for me to reduce the principal balance and could increase the risk of default. I am asking that you review my account and provide a written response addressing these concerns.