Global Lending Services LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
12/23/2021	Yes	Debt collection Auto debt	Communication tactics Used obscene, profane, or other abusive language	SC 29210	Web
When XXXX XXXX XXXX and I entered an unconscionable retail installment sale contract. I told the salesman XXXX that the money for the downpayment was all I had in my savings. I also never signed a security agreement with Global Lending Services which means there is no attachment of security interest in the collateral. Which is required pursuant UCC 9-203. Global lending repossessed this vehicle around XX/XX/XXXX. The car was at my current residence. Our contract also states that the vehicle may only be repossessed if they do not enter into a dwelling used as a current residence. Which itself breaches the contract Section 2 ( f ) and is a violation of SC Code of Laws 37-5-112. I wrote to Global Lending on XX/XX/XXXX asking them to provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. They responded to my inquiry XX/XX/XXXX with payment information and a copy of the contract ; not what I requested. Since I did not receive the information requested I then wrote another letter XX/XX/XXXX requesting the notification of disposition and tracking numbers of prior notices as well. I received a call on XX/XX/XXXX from XXXX who stated he was Escalations Manager, at the beginning of the call he also stated that he was a debt collector and that this was an attempt to collect a debt and any information obtained will be used for that purpose. He then proceeded to tell me that he called to clarify what I needed and I explained to XXXX what the letter meant. On XX/XX/XXXX, at XXXXXXXX XXXX, I received a call from XXXX ( XXXX ) XXXX with the caller ID Global Lending. I missed the call because anything prior to XXXX XXXX is inconvenient to me. I called them back at XXXX XXXX. It didnt give me the option to enter an extension. I was connected with an agent. I told the agent that I needed to speak with XXXX in escalations because he was the person that may have called me since this is who I was dealing with the day prior. I believe the agent routed the call to the escalations department and not the extension I requested which was ext XXXX. I was connected with a woman by the name that goes somewhere along the lines of XXXX XXXX XXXX. I told the woman I was speaking with the situation and who I needed to talk to as well. She proceeded with handling the call herself. I told her I received a missed call and I was just returning the call. After verifying the information she needed and reviewing the documents I sent in. She told me that they do not send out a notification of disposition. She explained to me that a notification of disposition is not required in the State of South Carolina. I then asked her to send a letter stating that they were not required to send such notices. She went into an uproar. She stated that state law supersedes federal law. She also stated that her company falls under the FDCPA. Then stated that they were not debt collectors. The woman proceeded with stating the law and telling me I was incorrect. I felt like she was insulting my intelligence and causing a debate, since I felt like she was using obscene language, I told her that I did not call to debate and I didnt want to argue about the laws. The woman jumped down my throat because I continued to tell her this is not the purpose for my call and to please send me a letter stating that they are not required to send the notification of disposition. After telling her the way she was talking to me was offensive and hurtful. She said sorry you feel that way, would you like to talk to someone else. I then again stated that I was calling back due to my conversation per XXXX and I. I was finally transferred to XXXX and asked him what was going on with the prior conversation. He apologized for the previous representatives conversation with me. He stated that they train their representatives to send legal matters to the correct department. He also stated that she was not supposed to handle the call and that she was not their legal team. He told me that they have a legal team that handles particular matters to ensure the company is in compliance. Our call proceeded with XXXX letting me know he would be sending the information I requested and that he called about emailing the information to me. I declined the information being sent via email. XXXX called again at XXXX XXXX to assure me that I would be receiving the information I requested by mail and when. He also emailed me copies of the deferment agreements that me and the company had when the loan was active. I was sent the notification of disposition but no other required legal documents have been sent including the right to cure and proof that the sale was commercially reasonable which is required if I owe such deficiency SC Code 37-5-103 ( 2014 ). They have also violated the following : UCC 9-616 ( c ) ( 1 ) ( A ) South Carolina Code of Laws 37-5-110 While in this consumer credit transaction, I have received excessive late fees which is illegal pursuant to 16 CFR 444.4 for just about every month there was a payment due, I was not sent the statement that is required pursuant 15 U.S. Code 1666b. Even during the months there was a deferment in place, there is reporting of late payments and extra finance charges imposed with such which is a complete violation of 15 USC 1666a. I have never received evidence of payment from them which shows an unpaid balance which is listed under South Carolina Code of law Title 37-2-302. I was charged a repossession fee in XXXX, when I called about the charge they informed me it was for fuel the repossession company needed, after I made a payment on XX/XX/XXXX. They also continue to report this account to consumer reporting agencies after it has been disputed. If Global Lending Services does however fall under the FDCPA they have further violated me. Being that the company has sent several letters to my home with their companies logo and several other people have seen the envelopes according to 15 U.S. Code 1692b and 15 U.S. Code 1692f they are in violation. You also called me at a time that is inconvenient to me pursuant to 15 U.S. Code 1692c. Your company has also had their representatives yell at me and use obscene language with me, they also stated laws about the debt, which is considered a violation of 15 U.S. Code 1692d and 15 U.S. Code 1692e. I really have enough pressure on me with this incorrectly reporting to my credit report and with the stress they have caused me throughout the contract. After disputing this account with XXXX and XXXX this company has since furnished different information on my consumer report. To my understanding my report is supposed to be 100 % accurate. Based on the payment information received and the consumer reports, it is still reporting incorrectly. I have addressed the consumer reporting agencies who claim that they do not furnish the information. They stated that the change was from the furnisher. I understand that 15 USC 1681 ( a ) states that credit reporting should be fair and accurate. I also understand that transactions and experiences should be excluded from the consumer report. As a consumer I have a right to privacy as well. In pursuant to 15 USC 1611 giving or providing false information is a violation. XXXX has verified this was an accurate account in the past, this account has reported a past due balance after the repossession took place. It has since been changed as well. If it was accurate when I disputed this account, why has there been changes since then? 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 1681a. Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term " person '' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term " consumer '' means an individual. ( d ) Consumer Report. ( 1 ) In general.The term " consumer report '' means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;
07/18/2023	No	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	LA 704XX	Web	Servicemember
I purchased a used XXXX XXXX XXXX vehicle from XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, LA XXXX ph # ( XXXX ) XXXX on XX/XX/XXXX. As I live over 2 hours from the dealership, I did not make it to the dealership until XXXX ( their normal closing time ), but I was still helped by salesman XXXX XXXX . I did not notice until later, but myself, XXXX and a lady, whom I realized later was just the person who handled the financing paperwork, were the only people left in the building besides my brother whom took the ride with me. My husband, whom was a combat veteran, passed away in XXXX of XXXX after 15 years of marriage, sufficed to say I had never purchased a vehicle on my own until this day. After test driving the vehicle, I waited for the salesman to return to let me know if I qualified for financing since I knew I had a low credit score, though I had already told him I was prepared to put down $ XXXX {$7000.00} if that would help me to be financed ( and to get the lowest monthly note possible ). He returned and told me I would need to put the full {$7000.00} down and I would need to purchase the extended warranty from the dealership. I asked him if it were possible to look at a few other vehicles that were a little less money and at that point he told me that both he and the lady were staying late to help me out and that my credit score would prevent me from purchasing almost any other vehicle on the lot and that if I left, the car I was interested would be sold. He furthered by telling me that he was not authorized to sell any XXXX on their lot without selling the extended warranty bc its just not something that they do. He then told me that he spoke to the manager and they had pushed the bumper to bumper warranty from XXXX to XXXX ( bc the vehicle had XXXX at the time of purchase ). I then walked towards the office to start to sign the papers with the only remaining person in the building, the finance lady. Before entering her office, I began to ask a few more questions. My first question was When will my first payment be due? I was concerned with the date of the first payment bc I knew I would not be able to cover a car note in XXXX because as a single mom, I am solely responsible for XXXX for my children and I also pay homeowners taxes every XXXX. He didnt know the answer off hand and I then said if I need to wait until XXXX or XXXX to purchase the vehicle, thats fine, I just dont want to get in over my head. He left me again and when he returned, he said you wont pay your first payment until XXXX, its a 90 day incentive, so somewhere around XXXX. When he told me that, I felt comfortable enough to sit to sign the papers for my first major purchase as an adult ( without my spouse ). As we began to go through the papers, she had a large stack to go through and she would give a synopsis of what the paper said then slide it to me to either sign or initial. When I received the first paper, I began to read it and she retorted XXXX XXXX, he and I have already been here two hours past our normal work hours. I can tell you what each paper says and you can look over them later if you like. I felt pressured to get out of the building, so I just went along with what she was doing and signed and initialed what she told me to. When we were done, I received the keys and left in my new ( used ) vehicle. I was happy with my vehicle until I received a bill from Global Lending during the first ten ( 10 ) days of XX/XX/XXXX. When I opened it and realized that they expected a payment during the month of XXXX, I immediately called the company. Once I got a representative on the phone, I began to tell him that I was told at the dealership that I wouldnt pay my first payment until XXXX and that I really wouldnt be able to begin paying consistently until XXXX and he told me that whatever the dealership told me doesnt really matter because they are my financing company and the first payment is due. I asked him if he could at least make a notation on my account so someone would know what I was told and when I could begin to pay. In XXXX, I began to pay my note of {$580.00}, however ; two ladies began calling my phone number incessantly to ask if I could settle the past due amount ( which continued to grow everyday since I first missed the XXXX payment ). I paid my note every month and continued to get borderline harassing calls from the company, both day and night, weekdays and weekends. On XX/XX/XXXX, I received a call from a lady I was not familiar with asking if I were ready to pay my note ; which I was, so I began to speak with her. She asked if I could pay more than my note to keep me out of repossession status. I asked her how much I needed to pay in order to do so and she replied {$700.00} would keep you out of repo status until your next payment is due. I responded in the affirmative, that I could pay {$700.00} and made the payment with her on the phone at that time. Two days later, the same lady that had begun to harass me about my past due balance called me yet again. I answered and she began by asking if I could make a payment. I told her that I had just made a {$700.00} payment two days prior and she responded by telling me that I had a balance of XXXX XXXX and some change and if I wasnt able to make a payment soon, I would be sent for repo. I then told her that the lady I spoke with two days prior told me that the {$700.00} payment would make sure I was not in repo status until my next payment was due on XX/XX/XXXX. She then snidely said XXXX XXXX, I am calling to let you know that if a payment is not made, your vehicle will be up for repo status. At this point, both my emotions and hers were pretty high. I was being abrupt but she was being rude and abrupt and, at times, downright mean. At some point, I said quite clearly, Can you just tell me how much money I need to pay and by what day to avoid my car being repossessed. After asking the question, there was just silence. I asked the same question again. Again, silence. Finally, I said, I am asking you a simple question and you wont answer me, in which she responded My vehicle is outside right now and its not about to get repod. I was more than stunned that my finance company had just spoken to me in that manner, so I just hung up the phone. I then got the onto the website and set up an autopay for my note plus extra ( {$700.00} total ) to come out the third Wednesday of every month because that is when I am paid our survivors benefits from Social Security. On XX/XX/XXXX, I called Global Lendings XXXX number because I had missed 38 called in a matter of a week. ( My mother was in ICU and no phones are allowed on the entire floor. ) When I did so, the robo prompter stated that my next payment was due on XXXX XXXX. On XX/XX/XXXX, yesterday, I was paid early, so I decided to pay my car note first, which obviously didnt matter bc around XXXX XXXX central time, my vehicle was repossessed by a tow truck. I immediately called Global Lending and asked what was going on. The man I spoke to told me that I had a balance of {$1200.00} and I was up for repossession. I then told him I made a {$700.00} payment on XX/XX/XXXX and the lady told me that the payment would keep me out of repossession status for thirty ( 30 ) days and since it was XX/XX/XXXX, the thirty days were not up yet and I had just made another payment of {$700.00}. He then told me he couldnt help me and to call back the following day ( today ). I called and spoke with a manager and told her how I have been treated and asked her to pull the actual call of me paying my XX/XX/XXXX payment so I could have proof that I was told I had thirty ( 30 ) days until I could be in repo status, to which she replied she didnt know if she could actually pull the call at all. Basically, all I was told was that I was to pay {$2200.00} ( not including another almost {$500.00} in other fees which would be attached to my future bills ) to Global Lending as well as {$350.00} to the company that picked up my vehicle and that my vehicle would be sold in 26 days and I have 5 days to get my note reinstated before I lose my vehicle completely. Any help you could give me would be greatly appreciated.
01/28/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	GA 30132	Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I spoke to a representative from XXXXXXXX XXXX XXXX XXXX while making my appointment to retrieve personal property from the storage lot regarding a claim that Global Lending advised me to file with Loss Prevention pertaining to potential damage to the vehicle and personal residence. She provided me with the above referenced email and informed me to initiate the dialog with this letter after XXXX XXXX told me that did not know what Global Lending was talking about. She also advised me that photos of the vehicle ( inside & out ) will be taken and sent to Global Lending through XXXX XXXX XXXX XXXX. That I can then request and obtain copies from Global Lending. That I was not allowed to photograph my vehicle however during my scheduled and paid for appointment as it would create a liability. Global Lending also informed me that they did not give the tow company ( XXXX XXXX ) written authorization to charge me {$75.00} to be paid prior to allowing an appointment to be scheduled to receive my personal property. They said that XXXX XXXX just wants to charge a fee. This is also a violation of my consumer rights. XXXXXXXX XXXX XXXXXX/XX/2023 A call was received XXXX XXXXXXXX. This individual was from the claims department and advised me that I was unable to submit a claim until the vehicle was retrieved by me. However, Global Lending advised me on XX/XX/2023 to contact XXXX XXXXXXXX. This representative who called did advise that I could submit a claim pertaining to the damage to the driveway and that her department would have to email me the forms. ( Please refer to your recorded and monitored calls to identify this employee because I did not retain her name. ) XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 I called and spoke to XXXX to provide her with my email address so the forms could be emailed. She now advised that I would need to contact Global Lending and request that they forward XXXX XXXX my paperwork. That they were not in possession of the necessary documents and she could not see my information. Please tell me how it is possible that my vehicle was repossessed by a subcontractor your company hired without your company having all the appropriate documents from the lending company? Please also tell me why it is my responsibility as the consumer/debtor to contact Global Lending XXXX XXXX XXXX XXXX and request any documents that should have already been in either recoverys possession, the subcontractors possession and post recoverys possession? Global Lending accepted a post dated ACH payment from me on XX/XX/2023 to be debited on XX/XX/2023. The vehicle was repossed on XX/XX/20XXXX XXXX XXXX XXXX. Was this even a legal repossession? There is a pattern of behavior with every individual representing your company of providing either false or misinformation negating your obligations and responsibilities. This is absolutely negligent on your company 's behalf and illegal and in violation of CPA & CFPB rules and regulations from my research. PLEASE READ BELOW FOR DETAILS REGARDING A CLAIM OF DAMAGE ON A XXXX XXXX XXXX AND DAMAGE TO MY PERSONAL RESIDENTIAL I AM ATTEMPTING TO SUBMIT : Please be advised that due to the circumstances around the manner in which my vehicle was observed being removed from my property it caused damage to my personal residential property and to the vehicle. This was clear neglect on behalf of the professional assigned to the repossession. At XXXXXXXX XXXX I abruptly woke to the loud sound of a horrible dragging, scraping and digging noise directly outside my bedroom window. That window faces the driveway of my house. As I noticed the lights of the tow truck I realized it was him making that horrific and extremely loud noise. I immediately ran and opened my front door and turned on the front porch light. I personally witnessed this recovery professional dragging my XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( with approximetly XXXX miles and in excellent condition ) UPHILL to the end of my entire driveway then turning left onto XXXX XXXX. This is where his truck and my vehicle came to rest. All XXXX tires were on the ground and unable to rotate. There were orange straps wrapped around the XXXX rear tires and hooked somewhere to the tow truck. A XXXX XXXX XXXX professional possesses the proper knowledge to know that this was neglectful and careless. There was no regard for damage caused to the vehicle and damage caused to my personal residence. Power being transmitted to the transmission causes damage as well as the damage to the undercarriage as it scrapped uphill across the pavement. The tow carved actual indentations into the pavement of my driveway; creating piles of concrete dust in various places as the towing professional allowed my vehicle to carve its way off my property so he could satisfy the repossession. The towing professional noticed me watching from my porch with my hands thrown up asking what are you doing. Confused about the repossession considering a payment was taken by my lender but in shock and disgust at the careless, neglectful, extremely disruptive and disturbing disservice that he had just provided me. The consumer! The individual with the financial investment in the property that he was damaging. The individual with property that I still have legal rights to resolve and retrieve. The individual with the property that I would still have a financial obligation to pay depending on the course of resolution I am legally obligated and as well as legally bound. I would also like compensation for the repairs associated with the damage to my driveway. I will not allow it to be considered insignificant and acceptable destruction of private property that could have been avoided by adhering to better practices. A representative advised that I would need XXXX estimates and a completed for which they would provide. However, that was contradicted by XXXX my last call when I was asked to call Global Lending. I have numerous photographs of my property for documentation. Thank you for taking the time to review my complaint/ claim. I look forward to hearing your response and swift resolution to this matter. I will also be exploring what other rights and laws I may have in accordance with this complaint and and claim. Sincerely, XXXX XXXX
09/16/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	OH 441XX	Web
To whom it may concern, I, XXXX XXXX, The consumer and obligor has noticed a billing error. The creditor has failed to give me proper notice of this billing error several times. I have noticed every account statement is in invoice of indebtedness, also having a coupon/check attached to it. On this invoice the creditor is attempting to collect a debt that has already been paid. They claim that this is a debt that I owe. How is that possible if the amount that theyre asking for isnt a negative balance? And how is it possible that this debt is still owed when my signature on my application is payment of the debt? I, XXXX XXXX ( the obligor and consumer ) I am giving proper notice of this billing error. This is my final attempt to clear and dismiss of any debt that the creditor claims that I owe. According to 15 USC 1666b timing of payments states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The creditor has failed several times to provide me ( the consumer/obligor ) with each periodic statement and information required by section 1637 ( b ) of title 15 USC 1666b . The creditor has not gave me proper notice within 21 days of the payment due date as required by 15 USC 1666b. What is a late payment? And how can that payment be late or past due if it is not a negative balance? How can a late, missed, or past due balance exist if my signature on my application for credit is payment of the debt? According to 15 USC 1666d Treatment of credit balances States Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditorin excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. Every account statement has failed to demonstrate indebtedness. For example if I borrow {$20000.00} shouldnt my account statement show a negative $ XXXX? And every time I make a payment it would reduce that amount bringing the negative balance closer to {$0.00}? None of the account statements show a negative balance, only a positive balance. According to the law a positive balance means that there is a surplus. This debt that the creditor claims I owe does not belong to me. According to 18 USC section 8 Obligation or other security of the United States defined States The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceledUnited States stamps. All debts public and private are the obligation of the United States. The creditor claims that I owe/owed this debt but what exactly am I paying for if the debt has already been paid for with my signature? The obligation has already been paid for. So why are they claiming that I owe/owed this debt? This billing error notice is also a notice of request for refund by I, XXXX XXXX ( the consumer/obligor ) .According to 15 USC 1666d section A, section B, section C, States A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. I am now requesting a refund of ALL payment paid AND dismissal and discharge of this debt. I XXXX XXXX ( the consumer/obligor ) I am also requesting that the accounts be ceased and desist IMMEDIATELY. I have blindly paid this debt twice. The creditor has fraudulently and illegally double dipped on payment of this debt. The creditor has furnished I, XXXX XXXX ( the consumer/obligor ) with deceptive forms several times ( See attachment A ) creating a false belief that I owe this debt. According to 15 USC 1692J Furnishing certain deceptive forms States The creditor has been racketeering and extorting money out of I, XXXX XXXX the consumer/obligor ) several times. This is totally illegal and they could go to jail for this. According to 18 USC 1961 Definitions States However, I am willing to overlook this matter AS LONG AS ALL of my request are resolved AND completed within 10 days of receiving this notice. If my request or not resolved AND completed within the given time frame above, I will take this to higher authorities. The creditor now has 10 days within receiving this notice to refund me, clear/dismiss the debt, and cease and desist of the account. Kind Regards, XXXX XXXX
03/08/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	TX 75043	Web
Prior to filing a pre-approval application with XXXX XXXX XXXX, they stated that they couldn't approve me, so they approved me with one of their partner lenders, Global Lending Services, who then qualified me for a XXXX XXXX XXXX XXXX and asked for a down payment of {$5200.00}, which I exercised my right under 15 USC 1662 by calling Global Lending Services and stating that they don't advertise down payments at the price they were asking for an which I informed XXXX who is employed at Global Lending Services Funding Department of the matter and she quoted that she totally understand and that down payment is done by the dealership and I also informed that I really need the car and I have no transportation plus with the dealership being a 1 hr drive I wouldnt want to be turned around and emotionally upset that something caused the deal not to go through and that it would cause a loss of wage due to me paying someone to take me and I not get the car then she said that I shouldnt have no problem because everything was approved on her end I just needed to bring the required documentation to close the deal so then the call came to a end. Then, as instructed, I called the dealership at XXXX XXXX and spoke with XXXX XXXX, ID # XXXX, who works as an Internet Sales Rep. at XXXX XXXX, and when I told him I didn't want to do a downpayment, he said, " that's totally fine you don't have to put a downpayment down we sometimes just ask our customers are they going to put money down to help better the deal '' and then I informed him of the same information I gave XXXX of Global Lending and he said he definitely can be able to help me out and ask for my number to make sure Im recognized as a VIP customer and sent me a email regarding a appointment confirmation : Date : XX/XX/XXXX Time : XXXX XXXX Manager : XXXX XXXX Vehicle : XXXX XXXX With the following verbiage When you arrive at our showroom, please go to the reception desk and ask to speak with my manager. When you meet, please let my manager know you are a preferred VIP customer and provide your name and phone number. This will allow my manager to quickly and easily reference our conversation so that you don't have to repeat yourself and we can save you as much time as possible. So that immediately gave me the impression that everything was in order, I got a call from XXXX XXXX asking if I was going up to finish the deal, and I told him I would be arriving around XXXX, and he responded terrific, I'll have the car ready for you. So, after arriving at XXXX, I took the vehicle for a test drive and discovered that there were a few elements that were not in excellent working order, including but not limited to the vehicle 's alignment and failure to have it properly tested before advertising for sale. After informing XXXX XXXX, he stated that it should be good for sale, and we proceeded into the building, where he called the service department and told them the car was good for sale, and the service department stated it would take a half day of work, which made me suspicious of the transaction as I had received some inaccurate information from XXXX. As time passed, and the application was submitted, XXXX returns and says that they can't approve without a down payment and that they need at least XXXX or something. I ask how that's possible when we discussed it differently before I even arrived here, and he says it's because your credit score is XXXX. I say that's impossible because what's shown on my end is entirely different, so I ask where did you get the score from, and he says XXXX and XXXX. I ask for the documentation, and when I get it, I notice that it said the credit source was XXXX which again I was provide with false statements by XXXX XXXX, " I then asked, " Can you get your manager? '' because this is very unprofessional and I am emotionally upset about the losses and damages incurred due to the nature of the transaction. XXXX XXXX, the finance manager, stated, " We did everything legally and lawfully prior to the transaction. '' I stated, " OK, I understand, '' but I just need the correct agency to report the matter to. I then stated I wouldn't get a clear answer as easily as I would if I received it from you, and he sat down in an aggressive manner and said what u want me to do this for you, and I reminded him all I'm asking is help on where is the appropriate location for reporting the matter, and he replied he don't know. I then asked if this dealership governed under Truth In Lending, and he replied he didn't know. Then I replied that I just want to know where I should report my rights as a consumer being infringed since I have a right to know, and he indicated that he had the authority to kick me out of the building and told me to leave before walking away and not providing a name so I can accurately report the complaint with the proper agency so before I left his name was revealed to me by a coworker who recognized his acts as inappropriate and told me his name was " XXXX XXXX. '' So, after making several phone calls in an attempt to get assistance with the problem, Then, after leaving the dealership, I received notification that my XXXX credit score had dropped XXXX points, which caused me to panic and look for the source of such information that had caused my credit score to drop, which I discovered to be XXXX XXXX, which I had not authorized them to do. So I called XXXX XXXX and spoke with a man named XXXX who claimed to be the manager. When I asked him about the cause of the score drop, he replied that he has been doing credit for years and that has never happened. He seemed amused by my distress and replied, " I'm mad that I wasn't approved. '' So I asked XXXX if XXXX XXXX is required to comply with Truth In Lending and Code of Federal Regulations, he replied, " maybe '' and laughed, saying if you want the car go to the bank and get the check and we will give you the car giving me the impression that XXXX XXXX took steps that were in direct violation of federal statutes in place to safeguard consumers from transactions like this one
12/22/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	TX 75237	Web
Dear Sir or Madam, 1. GLBLNDSVCS Account XXXX : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as XXXX 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I immediately disputed this information with GLBLNDSVCS and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
11/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NV 89141	Web
XXXX. GLOBAL LENDING SERVICE Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me XXXX XXXX late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I immediately disputed this information with GLOBAL LENDING SERVICE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
12/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30067	Web
1. GLOBAL LENDING SERVICES Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with GLOBAL LENDING SERVICES and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
11/21/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 318XX	Web
On XX/XX/XXXX I went to look at a XXXX XXXX XXXX used SUV on the lot at XXXX XXXX XXXX XXXX. When I got there I informed the 1st person that talked to me his name was XXXX that I had emailed with XXXX XXXX and XXXX XXXX and that I had my own financing of up to {$14000.00} he joking said {$15000.00}. He got XXXX out to talk to me and I informed him of the financing and he opened the vehicle for us to look at. XXXX comes out and I tell him about my financing and then XXXX comes back and says you do not want this vehicle it takes synthetic oil and premium gas. Ok I was getting ready to leave as I only came in to test drive the XXXX XXXX SUV. XXXX says come in and let me see if XXXX has better interest rates than XXXX. He said it would be maybe a half point on the credit score as he was doing soft inquiry. I also explained to him that I was still shopping and had an appointment to see a vehicle in XXXX XXXX at a dealer I also explained this to XXXX when I saw him, I was only doing preliminary shopping for a used SUV. I also told him if he had a used manual transmission on the lot he needed to get rid of to let me know. He gets my information and disappears for about 30 minutes. When he comes back I specifically asked him are you checking with BANKS on my behalf and he said NO and left again and went back into another office. Another 30 minutes passes and I was getting ready to leave as I did not think it took that long to find out what XXXX interest rates were. He then takes me over to XXXX XXXX desk and XXXX writes on a scrap piece of paper that he can get me a XXXX new XXXX XXXX manual transmission for {$480.00}. a month. I started laughing and was getting up to leave and he said what can I do to get you to buy this vehicle today. I laughed even more I thought this was all rather funny as I had told him now on several occasions that I had my own financing even showing both XXXX and XXXX the email from XXXX and that I was still shopping and had plans to see more used SUV 's in the next several days. He said we can get you the new XXXX XXXX manual transmission for {$11000.00}. and it will be {$480.00} a month. I said no thanks and left. My XXXX year old son was with me and will attest to these facts also. The next day XXXX calls up and says good new we can get you in the XXXX for {$390.00} a month I was like what ... I told him that I had already told him on several occasions I was not ready to buy nor was I shopping for a new vehicle. Then I get notification from my bank that several hard inquiries had been run on my credit. I contacted the 3 lending institutions that I saw and inquired if any were XXXX financing none were. I contacted the manager of the dealership to give him a chance to correct this wrong. He said he was not there that day and he would check for me. He called back and said that XXXX had not informed the assistant manager that was there that day that I had my own financing nor did he tell him that I was shopping for a used vehicle. That XXXX had informed him that I desperately needed a vehicle. I did not give any one permission to try to get me financing nor did anyone ever ascertain from me the terms I would want to obtain a loan or even how much down payment I had as this information was already in my loan application with my bank XXXX and I had been approved for a loan through them for up to {$14000.00}. on a used vehicle of my choice. The manager said he would not contest when I sent my letters to the credit bureau that they ran unauthorized loan applications without permission using my information. But I find this practice very unethical and they lied to me and I am sure running someone's credit information without permission is wrong and should be prosecuted. I have further received a letter from XXXX that says they declined to give me a loan. I called them and told them I did not apply for a loan with them. They were not interested in finding out that XXXX of XXXX XXXX ran this without my permission. It would seem that every bank that XXXX XXXX XXXX XXXX pulled into this scheme of illegal behavior would also be culpable. I am not sure of the number of times they applied for credit for me without my permission or knowing how much I had to put down or any terms that I would want to complete a loan. The manager said XXXX never checked XXXX financing and that would only take a phone call and he did not need my information to ascertain the interest rates from XXXX. This seems to have been deceptive from the beginning nor has anyone informed me the interest rate or any other relevant information that I would need to make a determination. This was deceit from the beginning and these actions have been detrimental to me. These actions have harmed me as now the interest rate of my approved loan will be adversely affected by the deceitful actions of XXXX XXXX XXXX XXXX. I will be happy to provide any and all information that you will need along with the contact information for my witness. I have now received a letter from XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX none of these places have I ever applied for a vehicle loan nor did anyone have permission to apply on my behalf. Further, the loan I had from XXXX was a joint loan with my husband and I informed XXXX of this and at not time would I apply for a vehicle loan without my husbands income and his name on everything. The attached letters are coming to me only and this further proves that at no time did anyone at XXXX XXXX XXXX have permission to run my credit as I would not apply for a vehicle loan without my husband being included. I would not do business with any of the banks that have sent me a letter as I have been with XXXX for 37 years and had an approved joint loan from then when I went car shopping. I would never buy a new car either.
12/03/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95758	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficieant of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. GLOBAL LENDING SERVICE & {$9100.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Iowa XXXX
11/30/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90043	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficieant of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C XXXX 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. XXXX & {$4900.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX
07/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	TX 75702	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. GLBLNDSVCS bal. {$15000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
08/12/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	CA 91932	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. GLBLNDSVCS bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
10/10/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	GA 30310	Web
I applied for a XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXXXXXX on XXXXXXXX XXXX XXXX. I was told by a representative of the company ( sales agent/finance manager ) that they had only run my application with one of their lenders which was false information. They presented my application to approximately 6 of their lenders. I was also told after the application had been submitted that I was denied by the lender/lenders which was also false information. After 28 days I decided to call the lenders that they had claimed denied my application. It had been nearly 30 days and I had received only one adverse action letter, which was from XXXX XXXX. I reached out to XXXX XXXX XXXX ( one of the lenders ) which is directly connected with XXXX XXXX. I called for more information regarding my application ID and the adverse action letter that I had not received. I was given the number to the funding department and was told by one of the funding department 's customer service agents that I had in fact been approved after retrieving the application ID using my social security number. I was supplied with three different application ID numbers. There were two conditional approvals and one regular approvals. I will be happy to provide those IDs if required. The regular approval was estimated at {$23000.00}. The first conditional approval was estimated at around {$71000.00} and the second conditional approval was estimated at around {$55000.00}. According to the Federal Fair Lending Regulations and Statutes- Equal Credit Opportunity, neither the dealership nor the lender gave proper notice of a favorable amount approved so that I could exercise my right to accept or decline the offer extended by the lender. This led to my application expiring. I contacted the dealership to alert them about the lack of notification and the false information that I had been given on XXXX XXXX, 2023, and was referred to a finance manager named XXXX. He informed me that he'd get another application drawn up, but I informed him that I wanted to accept the approval from XXXX XXXX XXXX that the application was not yet at the 30-day expiration date. He told me that he could not get approval from the lender unless I agreed to supply money for the finance charge that the lender was requiring. I informed him that a down payment/finance is the sum of all charges, and the charge does not include charges of a type payable in a comparable cash transaction, so it is not required by law. 15 USC subsection 1605 determination of finance charge. He confirmed that it was not in fact required by law, but he proceeded to press the issue that nothing could be done without it. I proceeded to contact XXXX XXXX about removing that condition since it was not required by law, unfortunately, the department was closed, and I assured the finance manager that we could proceed Monday morning when the funding department was open so that we could proceed with financing with that lender. He said he looked forward to it. Monday morning, I called the lender and informed them that I intended to conditionally accept their offer if the unrequired condition was removed. They told me the credit department and dealership were the only ones with the authority to remove that condition, but they refused to. I was informed by a salesperson named XXXX that the fourth application that I had submitted that morning with XXXX XXXX was automatically denied. Since they work directly with the lender 's credit department, I so rightfully assumed that the information for denial was known and just wasn't being stated to me directly. I told them that I was aware that I was being avoided which is harmful behavior and expressed that I was contemplating litigation. I never confirmed that this was the course of action that would be taken, only that it was being considered and only then did I receive an immediate response which was odd. Whoever was messaging me at the time decided to cease communication and not respond despite me reaffirming that legal action was only an idea and not a course of action that was taken against them or the lender. I remained patient throughout the entire process despite being given false information, enduring discrimination, as well as non-compliance. As far as the other 4 lenders : Global Lending Services XXXX XXXX XXXX XXXX only two of them ( XXXX, and Global Lending Services ) confirmed that they had also approved me for a specific amount from the application submitted on XXXX XXXX, 2023. XXXX had approved me for an amount that was estimated at around {$23000.00}, while Global Lending Services had approved me for an amount that was estimated at around {$30000.00} ( if applicable ). XXXX XXXX chose not to disclose an approval amount or total denial and XXXX disclosed that I was completely denied. I'm not sure about the accuracy of each of those claims. In conclusion, neither of the lenders that had approved me for funding sent out a notice of a favorable decision giving me knowledge of the approval amounts thus leaving me in the blind and unable to act on whether I'd like to accept or deny the offer given. Despite the dealership knowing the true nature of these approvals they chose to give me false information and persuaded me to participate in an act that was not required of me by law. This experience with the dealership and its agents/representatives as well as those responsible for carrying out their duties on behalf of these lenders was harmful and damaging to my personal being, to say the least.
01/27/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	FL 327XX	Web
This is a complaint for violating several Florida Statutes and demand for damages. The loan is usurious, as I have been charged an Annual Percentage Rate ( APR ) of over 18.49 %, which violates Florida Statute 687 INTEREST AND USURY ; LENDING PRACTICES : F.S. 687.02 ( 1 ) All contracts for the payment of interest upon any loan, advance of money, line of credit, or forbearance to enforce the collection of any debt, or upon any obligation whatever, at a higher rate of interest than the equivalent of 18 percent per annum simple interest are hereby declared usurious. However, if such loan, advance of money, line of credit, forbearance to enforce the collection of a debt, or obligation exceeds {$500000.00} in amount or value, then no contract to pay interest thereon is usurious unless the rate of interest exceeds the rate prescribed in s. 687.071. F.S. 687.03 ( 2 ) Except as provided herein, it shall be usury and unlawful for any person, or for any agent, officer, or other representative of any person, to reserve, charge, or take for any loan, advance of money, line of credit, forbearance to enforce the collection of any sum of money, or other obligation a rate of interest greater than the equivalent of 18 percent per annum simple interest, either directly or indirectly, by way of commission for advances, discounts, or exchange, or by any contract, contrivance, or device whatever whereby the debtor is required or obligated to pay a sum of money greater than the actual principal sum received, together with interest at the rate of the equivalent of 18 percent per annum simple interest. However, if any loan, advance of money, line of credit, forbearance to enforce the collection of a debt, or obligation exceeds {$500000.00} in amount or value, it shall not be usury or unlawful to reserve, charge, or take interest thereon unless the rate of interest exceeds the rate prescribed in s. 687.071. F.S. 687.147Actions for damages : ( 1 ) Any borrower injured by a violation of this act may bring an action for recovery of damages. Judgment shall be entered for actual damages, but in no case less than the amount paid by the borrower to the loan broker, plus reasonable attorneys fees and costs. An award may also be entered for punitive damages. ( 2 ) Any borrower injured by a violation of this act may bring an action against the surety bond or trust account, if any, of the loan broker. ( 3 ) The remedies provided under this act are in addition to any other procedures or remedies for any violation or conduct provided for in any other law. The letter from your company dated 01-24-2017 regarding the cancellation and credit for the GAP insurance in the amount of {$1100.00} should have been removed from the purchase price and the contract restructured to reflect the removal of the GAP insurance. Although the GAP insurance was purportedly canceled and credited to my account, the payments, interest, and duration of payments all remained the same so I would have still paid the same amount in the end. This is a violation of the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ). Also, I was constantly being harassed with robo-calls to my cell phone, which is a TCPA violation. Violation of F.S. 537.012Repossession, disposal of pledged property ; excess proceeds. ( 2 ) Prior to engaging a repossession agent, the lender shall afford the debtor an opportunity to make the titled personal property available to the lender at a place, date, and time reasonably convenient to the lender and the borrower. Prior to taking possession of titled personal property, the lender shall afford the borrower a reasonable opportunity to remove from the titled personal property any personal belongings without charge or additional cost to the borrower. After the lender takes possession of the titled personal property, the lender, at the lenders sole expense and risk, may authorize a third party to retain physical possession of the titled personal property. On Sunday, XX/XX/XXXX just prior to midnight, I was awoken from sleep with a banging at my door by a repossession agent who had my truck attached to his tow truck in the road. There was no notice given and I had to collect my personal belongings from the truck before they left while the neighbors watched. I called the police, but they did not help. I had a payment arrangement with XXXX XXXX and if given notice I would have borrowed the money to get caught up with the payments, as these payments have been a tremendous financial burden. I borrowed the money and paid to catch-up the payments and the repossession fees the following morning.
03/05/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	FL 33054	Web
XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX. XX/XX/XXXX I traded in the XXXX XXXX XXXX for a XXXX XXXX XXXX at the same dealership. I was told not to make any car note payments on the XXXX XXXX. My payment will be in 45 days on my new car which is the XXXX XXXX XXXX. XX/XX/XXXX I was told that I have to come back because of the previous sale rep. did my contact completely wrong so I had to re-due it so my first car note will be XX/XX/XXXX. I had not problem with that. I went to do another contact. I was told that everything about my payments and who I'm banking with will be in the mailbox within 45 days at my address. XX/XX/XXXX I went back to XXXX XXXX to informed them that I have yet received anything in the mail pertaining to my new car. Only bills from my old car. the sales manager informed me that my trade was reversed and I will be getting my old car which is the XXXX XXXX XXXX back but in the meantime I can continue driving the XXXX XXXX XXXX until my car arrives. I kept asking why was my trade reverse. He informed me that one of my jobs couldn't be verified through the bank and it's nothing he can do about. Okay fine. He told me " be grateful that I'm driving a brand new free car ''. XX/XX/XXXX I went back to XXXX XXXX dealership to see has my car arrive. I was told " no ''. So I left. I went back XXXX XXXX and there was no updates on my vehicle. The General Sales Manager gave me his business card and told me he will call me once they get an update on my XXXX XXXX. I contacted General manager on XXXX XXXX I was told that they are trying to located my car. Still no update. I texted him XXXX XXXX about the XXXX. No response. I texted him XXXX XXXX about the XXXX he told me he will be in the office tomorrow at XXXX he will call me. XXXX XXXX I went to the dealership. Spoke with the Director. He told me that another dealership purchase my vehicle so what will happened next is that they will purchased that vehicle from that dealership and put it back on the auction and purchased from there. Then shipped my car down. but can I make at least two payments on the car so I wouldn't be so far behind. I informed him that I will not be making any payments on the car because it is not in my possession. I also informed the bank which is Global Lending that my loan was from about the situation. XXXX XXXX I texted the Director did they located my XXXX and what dealership is it at. He told me that he can not disclose that information to me. I informed XXXX XXXX. XXXX XXXX I text the Director asking is there any way I can get my deposit for the XXXX car back since the trade was reverse. He said that I will have to speak with general manager who doesn't respond to my text or calls. XXXX XXXX I contacted the Director for any updates on my XXXX. He informed to me that he is on vacation he will be back next Tuesday. XXXX XXXX I asked him was there any updates about the XXXX. He told me that the car should be at the dealership tomorrow. I asked him " I understand. So what is going to happened with the repossession and the {$2000.00} past due balance on there.? My decal has expired and I couldn't renew it cause it is a lock on the vehicle so I have been uber everywhere. Will my car be paid off.? What is going to happened.? NO RESPOND. XXXX XXXX I texted the director again seeing has the car arrives. He told me " yes come get it now ''. I told him I'm currently at work. I asked him " I understand. So what is going to happened with the repossession and the {$2000.00} past due balance on there.? My decal has expired and I couldn't renew it cause it is a lock on the vehicle so I have been uber everywhere. Will my car be paid off.? What is going to happened.? director in formed me that i will have to contact the general manager. So I texted him. He told me I need to come in the dealership and asked for the director. So I screenshot the message to the director and told him he told me that I need to ask you. So the director text me and said " Per general manager who just came into my office, he is not covering any expenses. it will just be an exchange of vehicles ''. I informed Global lending bank that the vehicle just got there and they is not paying any fees. From XX/XX/XXXX until XX/XX/XXXX my credit has dropped a lot. I shouldn't be responsible cause of something there employees did completely wrong. They need to hiring legit people. I do not deserve this. XXXX XXXX XXXX shouldn't be treating loyal customers like this.
06/12/2020	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Lender trying to repossess or disable the vehicle	VA 201XX	Web
The company, Global Lending Services, has continued to issue harassing phone calls no matter what I try to do to stop them, including making payments or setting up arrangements to make payments. I entered into an auto loan with the company on XX/XX/XXXX. Unfortunately, due to personal circumstances, I have fallen behind on payments a few times. The first time, when I lost my job in the summer of XXXX, I called the company and made arrangements with them. However, they began to call me every single day, sometimes even twice a day. I found that if I answered, a customer service agent would use language suggesting I was trying to get over on the company, or that I was a terrible person for falling behind on my payments, and otherwise attempting to guilt or embarrass me into making payments. If I did not answer, then a long automated message would be left. These automated messages began to clog up my voicemail. During my unemployment, I picked up gig work, and thus entered a cycle of being able to pay my bills and sometimes not being able to pay them. The calls continued no matter what the status of my loan was, even if the balance was paid down. They merely increased if my payments were late. In XXXX, I moved from one state to another, XXXX miles apart. In adjusting my insurance, I made an error and left off physical damage coverage. I rightly received a notice from GLS, and I corrected the error as soon as I realized it, but since then, I have continued to receive notices from them about supposed insurance problems. These notices threaten to end the loan contract and collect the car if I don't correct them, but there's nothing to collect. I have received one notice a month since the valid one in XXXX. Meanwhile, my job transfer was put on an indefinite hold due to covid-19, and I was out of work from my move in XXXX through the beginning of XXXX. I was able to use my stimulus check to bring myself only one month behind, as the harassing calls continued. Unfortunately I came up short in XXXX. With calls coming in once or twice a day, and spiking my anxiety attacks, I ended up burning that phone number a couple of weeks after calling them to set up a payment date. During that call, I explained that my job had been impacted by covid-19 but that I was certain I would have a payment for them by the end of XXXX. The customer service agent interrogated me as to whether I had received a stimulus check, what I had done with it, why I had no job, and how I expected to survive the shutdown. After these aggressive questions, I asked what programs GLS had in place to help customers affected by the pandemic and shutdown. The agent had no answer for me. However, the agent stated that he would list the matter in the notes on my file, and I expected that that would be enough. The calls continued and I burned my old phone number thanks to them. The calls had become a fact of life by that point, but I thought things were settled as regarded the upcoming payment. However, GLS contacted my significant other, one of my references, today. As I had already stated when I would pay them, I have no idea why they would feel the need to reach out to him. I now have a job and will be able to make the payment in late XXXX, as I stated. I called GLS to demand answers, but got no explanations, just the offer of filing a cease-and-desist on my behalf if I wrote them a letter. I do not have the wherewithal to write, fax, and/or email any such letter at this time. To add insult to injury, I just received a default notice that demands full payment before XX/XX/XXXX, which appears to be intentionally scheduled before my promised date of XX/XX/XXXX. I understand that I am behind on my payments. But the difficulty directly stems from covid-19, due to my job transfer being put on hold. The fact that GLS has no recourse for people suffering during this time is galling. Their profile on the XXXX even has several reviews of people who, like me, are in distress and are being harassed or have had their cars repossessed already. GLS should already be on the hook for their incessant phone calls. Their abusive customer service is also a massive problem. The threatening letters about nonexistent insurance problems are bad business. But their willful exploitation of their own customers during covid-19 takes the entire cake. It absolutely must be stopped.
08/26/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	FL 34747	Web
Global lending services has been giving me inaccurate information, as well as reporting incorrectly to the credit bureaus. This started back in XXXX when Covid-19 emerged and I was having more difficulty paying my bills due to being late off for a short time and my spouse losing his job completely. I contacted Global Lending Service to see if they could help me since most lenders were offering assistance to those affected by Covid-19. I was told that I was able to defer 1 month ( XXXX ) but there was no other assistance available except an extension. I asked the representative if I was to get the extension would it report late on my credit, he advised it would. The representative told me to do what I could, and borrow the money if I had to to make sure the payment was is on or by the XXXX of the month so it would not report late on my credit. I made sure my payments were made by the XXXX for the following months by borrowing and selling items to come up with the money. In XXXX I received an alert from XXXX that I was marked late 30 days for XXXX. I disputed this through the bureau and this came back updated and the late payment for XXXX was removed, and they reported XXXX on time so I thought everything was fine. Recently due to my financial situation from being off work for several months and my spouse losing his job, I applied to refinance my home to lower my interest and payoff some credit cards, including this auto loan to reduce my monthly payments. I was notified by my lender that I was marked late for my auto loan 30 days for the month of XXXX. She advised if this was not updated that I would not qualify to refinance my home. The past two weeks I have been in touch with Global Lending Services trying to get this updated correctly with no type of resolution. They are saying that I was 31 days late since my payment was paid on the XXXX. But when I called customer service to verify they said it was only 29 days and I should have not been marked late. I requested a dispute with the credit department two weeks ago and they came back and said they would not assist me in removing this late payment. I called back on Monday XX/XX/XXXX, and the lady advised me that a woman ( XXXX ) in the dispute department added notes in the system and she would request for XXXX or someone in that department to call me within 48 hours. I then called again today XX/XX/XXXX because I never received a call and spoke to the first representative and he said he only shows the payment was 29 days past due but he needed to transfer me to someone else. I was transferred to XXXX and was told that the credit department does not speak with customers and nobody would be calling me. He said unfortunately there is nothing we can do, and even advised that there defiantly needs to be some more training in that department since I have gotten so many different answers. Global Lending service has provided me inaccurate information resulting in my credit file being negatively impacted and preventing me from refinancing my home. These representatives are not giving me the correct information and I don't feel this should be negatively impacting me credit due to their lack of training and giving out false information to customers. If I am not able to get this removed and my credit report updated then this will be a downward trend and possibly cause me to lose my home and automobile. This auto loan was to be paid off at closing as well so I am unsure why they wouldn't want to correct this so they could get their entire loan paid in full. The business has not been very ethical with all of the inaccurate reporting and misleading information provided by their own customer service representatives. I have attached a copy of my payment history directly from Global Lending Service, as well as the dispute I filed with XXXX. You will see the dispute was to remove XXXX 's late payment, along with a copy of the updated results from my dispute showing XXXX and XXXX as paid. I have also attached my current report printed today XX/XX/XXXX showing that XXXX is now marked late again on my credit report.
12/24/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Problem after you declared or threatened to declare bankruptcy	LA 70364	Web	Servicemember
On XX/XX/2018, my truck was repossessed while I was in a restaurant having lunch with coworkers in XXXX XXXX. I immediately contacted my lender, Global Lending Services LLC, to ask where I can retrieve my personal belongings, and to also remind them, again, that I was already in the process of filing Chapter XXXX. Paperwork would be completed on XX/XX/18. Global Lending referred me to XXXX XXXX XXXX XXXX, in XXXX XXXX, to obtain my stuff. When I called, I was told I had to pay {$25.00} by card over the phone to receive the address to where my truck and personal items were kept. Since I needed my personal items, I paid as instructed. When I arrived to the storage location at XXXX XXXX XXXX, XXXX XXXX, the attendant demanded my truck key in exchange for the bags of my personal items. ( Apparently they were able to somehow unlock my truck and remove all of my personal items and place them in garbage bags. I was able to see my truck, through the fence, and noticed that my leather seat covers were off of my seats and my XXXX XXXX, radar and a personalized front bumper plate were missing from my truck. ) Since the attendant refused to release my personal belongings, I contacted my bankruptcy attorney who advised me not to give the attendant my key. I reiterated this to the attendant and demanded my stuff again, but she refused. Again, she told me that I can't have my personal belongings and walked away from the locked gate where she was standing behind. Then, I contacted XXXX XXXX XXXX XXXX again, ( XXXX ) XXXX, to ask for a refund of the {$25.00} personal belongings fee but was told they will not give me a refund and hung up on me. I also attempted to contact Global Lending Services multiple times, but was transferred to their " bankruptcy department. '' The Bankruptcy Department told me that since my Chapter XXXX isnt showing in their system, they cant help me and transferred me back to Global lending customer service.Then after a few minutes on hold I was disconnected. I have many miscellaneous personal valuables in my truck that I needed back. Most significantly ; an expensive heavy leather jacket ( {$700.00} ), XXXX Sunglasses ( {$320.00} ), {$150.00} in recently purchased VISA gift cards, approximately {$75.00} cash, business documents, personal documents, electronics, personal protection items and work equipment among other things. As of now, its been 6 days since they have been in possession of my stuff, and they will likely keep throughout the holidays. Which means Ill need to buy another winter coat and will be forced to do without the cash, gift cards and personal items I need for the holidays. I live almost 2 hours away from XXXX XXXX. I only work there 2-3 days a week. The rest of the week I either work from home or my companys XXXX XXXX office. I had to drive a rental to travel back to XXXX XXXX on my usual day off, Friday. Only to waste time and money while attempting to collect my personal property. Including the {$25.00} " mandatory fee '' that I was deceived into paying to retrieve my belongings, which was denied by the attendant. I believe Im being fraudulently deprived of my personal property that I am due by law. I also suspect damages to my truck. The most logical could be the damage ( s ) caused by breaking into my truck and damages cause by cutting out all of my leather seat covers. I also have no idea as to the condition of all of my other personal belongings, since Im not allowed to see them while in their custody nor see an inventory list of my personal belongings. The attendant also refused to give me my license plate, which I beleive is also mandatory as per : Louisiana Revised Statutes Tit. 6, 966. Procedure. ( XXXX XXXX XXXX ). Here 's the contact info for XXXX XXXX XXXX XXXX and Global Lending Services : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX & XXXX XXXX XXXX XXXX LA XXXX ( XXXX ) XXXX & ( XXXX ) XXXX XXXX XXXX XXXX Global Lending Services LLC XXXX XXXX XXXX XXXX, SC XXXX XXXX https : //glsllc.com/contacts/
04/07/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CA 95670	Web
I purchased this car back in XXXX with bad credit. I went through Global Lending as a second chance and I advised them the car was not running welll and had discovered that there was two leaks that would be in the range of about 6,000 to 7,000 of engine damage on XX/XX/XXXX from XXXX. Now XXXX came and I was not able to use car due to my car being in accident w/ XXXX and XXXXe and they were unable to resolve my issue in a reasonable time due to everyone being out and somone that passed due to XXXX at the company at XXXX and it took 8 months to finally come get resolved. The car was not in driving condition from XX/XX/XXXX and really I should have been fixed back in XXXX by the dealership. I have had the company tell me I have nearly paid off amount of XXXX and they are not willing to work with me on some type of settlement even though this was as a result of XXXX and I was unable to get my car repaired or drivXXXX it for almost a year. I still paid since XXXX and the managers are all aware that I was limited to where and how much I could drive the car and that the car is my primary car is paid my XXXX. This car has been sitting in my garage and hardly driven. I have called a number of times and I am disconnected on and today I had asked them if they had any notes of a manager that looked into this for me that was a lady and said she would call back and emailed me from Global Lending about figuring something out. {$430.00} is more than I can pay and then I drained my savings for them when I should be paying my mortgage but I don't want to lose out on a car I already paid such a significant amount on. I spoke with a XXXX today that kept asking me the same questions and he said he is the manager of the collections department and I believe I spoke with him last time when I made the payment and he never did anything but tell my I just had to pay over XXXX and then I get a call today that says I need to pay again. Global Lending has an automated system that calls you and the reps just hang on the phone or there is a delay. If you sit long enough sometimes they answer and sometimes they hang up. Today I was hung up on 5 times by them. I called again after speaking to XXXX and got someone else and got disconnected on. I am exhausted from the chase and them unwilling to do the right thing. XXXX in customer service has been the only one I been able to count on and the only one that has attempted to make things right. It does not seem like one department from another departmentn knows management or management does not note the accounts because when I speak to the reps they tell me they don't know who I am speaking of when I am telling them XXXX the manager or XXXX the manager. I need help with this loan. The car was purchased as a lemon and I continued to drive it was stolen and then XXXX detected two leaks. No one wants to take responsibility for it and I never agreed to buy as is. I told Global Lending before they funded the money there was something wrong with the car. The young lady that called me in XXXX said she needed to make sure since my credit was bad that I had a reliable car they were funding and I told her I wasn't. She said she would hold off until I checked it. Instead of calling me... the lady at Global Lendiong called the dealership and I have documentation that Global Lending was told they fixed it and they funded the money. Global Lending should have called me just like she called me from the beginning. I was stuck then and I am stuck now with a car that is not running correctly. Global Lending keeps sending letters to me stating if I am having problems making payments to reach out to them and then when I call they offer to come pick it up. They are not offering any solutions other than skipping one payment. I have been able to deal with tthem dirrectly but it seems like this is beyond my control. I can't see that they are doing the right thing as a consumer.
02/09/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	CA 92883	Web
To whom it may concern, I bought a. XXXX XXXX XXXX from XXXX XXXX XXXX XXXX, XXXX in XXXX, California XXXX XXXX XXXX XXXX California. XXXX, on XX/XX/XXXX of XXXX. The contract was written and stated that if we kept the car for four months and made payments of {$900.00} that we would be able to refinance the car and be put in another car after six months is up. Which that would build up our credit so we used our XXXX XXXX XXXX for a trade-in for the XXXX XXXX XXXX. We spoke to a sales rep named XXXX that worked there that helped us with his sales, they told us to surrender our XXXX XXXX XXXX and they would take care of it and give it back to the company that we would not have Any payments and we would not be stuck with two payments on both cars after six months XXXX XXXX from XXXX XXXX kept sending letters stating that they could not find the car. I called several times month a month asking them. Where is my car? they lied to us and told us that they have the car picking up and talk to XXXX XXXX pick the car up which they never had any paperwork to show us that they surrender the car to the company for us for six months someone has been driving the car they told me they didnt have the car. They lied to us we went down there XX/XX/XXXX of XXXX asking and demanding where was our car sales rep name XXXX XXXX told us that he did not know where our car was. I told him that I was gon na call the police and I told them that the person that they hard to sales rep name XXXX what is the one who wrote out the contract that we would have to pay the car for six months and then we could come back down and refinance a car and get into another car with cheaper payments, this company kept our car for six months did not turn it in. We got stuck with our car payment of {$4000.00} from our XXXX XXXX XXXX plus the XXXX payments that we were paying on the XXXX XXXX XXXX from their lot we was misled, we were lied to, and we were beaten out of our money. The sales rep name XXXX XXXX told us that he would write out the loan like we never got it. I am a single mom who lives off of XXXX that I struggled every month to pay this card note for {$900.00}. Which I asked him if we could have our money back the sales rep XXXX XXXX said that they would give us our money back but now theyre saying that they cant give us our money back we lost four months of payments. this company put us in a bind. They messed up my credit because they kept installed our XXXX XXXX XXXX and hit it from the XXXX XXXX company where we purchased this car from. I would like to file a complaint I have my evidence in contract on hand, how the contract was rolled out, I have text messages of what we asked him and what he told us that we was not gon na be responsible for this and we end up being responsible for that car when we show the sales rep XXXX XXXX the text messages that with XXXX told us he said well, thats why you aint here today because he mess up everything but I dont think thats fair to us. They are responsible for his actions and what he did to our car but I miss leading us with two car payments that we could not afford. I would like for my payments back since hes wants to wipe the loan out like we never got the car. I dont think thats fair to them I threaten to call the police and follow complaint with the police department and he begged me not to do it but I need to file a complaint and Im asking for some kind of justice in our behalf and what we went through with this company. They are doing false paperwork lying to get you a car and when they write the contract out, its not what they have put on a contract there right now fake contracts and then when you come down to challenge them with the contract that they giving you they dont have anything on statement of what they told you. Thanks XXXX XXXX
01/09/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	VA 22902	Web
To : Global Lending Services From : XXXX XXXX Original Creditor/Investor XXXX XXXX XXXX XXXX XXXX Va XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT, NOTICE TO AGENT IS NOTICE TO PRINCIPAL AFFIDAVIT OF TRUTH 1. On XX/XX/2023, as the original creditor, private investor I extended credits to you for the applicant/principal, consumer based on the information in the credit application. I did not extend credits to the applicant to be determined by the applicant consumer report. 2. 15 USC 1681a ( I ) ( 1 ) The consumer being determined, based on information in the consumers application for the credit or insurance, to meet specific criteria bearing on credit worthiness or insurability, as applicable, that are established ( A ) before selection of the consumer for the offer ; and ( B ) for the purpose of determining whether to extend credit or insurance pursuant to the offer. Before selection of the consumer for the offer it was fully determined only the information on the credit application can be used to determine a firm offer of credit. 3. I received a call from you on XX/XX/2023, stating you denied the consumer/principal extension of credit based on the consumer credit report. This is misconception and deceit, as the private investor I was under the impression I was extending credit only based thoroughly on all information in the credit application. 4. 15 USC 1681a ( I ) ( 2 ) ( B ) of the information in the consumers application for the credit or insurance, to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability. As the Original creditor/private investor I extended credits based on the verification of the information in the consumers application and determined that the consumer was credit worthy of the extended credits. 5. 15 U.S. Code 1681n - Civil liability for willful noncompliance By not fully complying with the terms I extended the credits to the consumer based on the information in the credit application alone, you are fully in violation of the consumer rights. Therefore, you now hold civil liability for willful noncompliance. 6. 15 U.S. Code 1681o - Civil liability for negligent noncompliance Your negligent noncompliance by not extending the credits to the consumer is violating the rights that the consumer was granted by me as the original creditor/private investor, that was determined by the information in the credit application. 7. The damages caused in your incompetency I have suffered negligence in my family household by not being able to acquire the necessity for my family. This is violation of my pursuit of happiness, I have been shamed, this damages my character reputation, causes mental illness, and a great deal of stress. I have fully lost trust in the banking system by you making false claims and using false records and statement materials for the approval of credit ( 31 USC 3729 ). The damages are in the total amount of {$100000.00} 8. My prayer in relief, I ask that you fully restore all trust within the banking system by fully extending the credits to the consumer. My research, time, labor to respond to your adverse action is valued at {$10000.00} and I should be fully compensated. The first Amendment of the U.S. Constitution protects my right to work. I have a right to work and contract my labor, my time, and my skill, and my life as I see fit. If I am not fully giving all demands to restore faith and trust within this credit transaction, I will take civil actions for all damages caused by your negligence. 9. I declare under penalty and perjury under the laws of Virginia that all is true and correct to the best of my knowledge. Void were prohibited by law, however it does not change the rest of the Truth! XXXX ; XXXX
09/26/2020	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 60459	Web
I make the monthly payments for my girlfriend 's car note. The last payment I made on XX/XX/XXXX seemed to go as usual, except the car loan company didn't take the money out of my bank account immediately like they always do. The car loan company gave me a confirmation number for this payment as if everything was okay and up to date, and the next time I tried to make a payment on XX/XX/XXXX the car loan company told me I owed twice the amount I usually pay. My girlfriend 's account with her car loan company has been " blocked '' is what they told me happened when I asked what was going on with the account. This is basically preventing my girlfriend and I from making payments to them. When I asked the car loan company why the account was blocked, the car loan company told me my bank disputed their charge and that I needed to tell my bank to reinstate the charge in order for the car loan company to unblock the account. Now, just to let you know, no attempt was made to notify me that my last payment to the car loan company didn't go through or was disputed. I then called my bank and told them what was going on and my bank told me no charge was disputed AND no charge was even attempted to be made by the car loan company to withdraw their payment. I called the car loan company back and told them what my bank had just told me. The car loan company asked me to fax them my bank statement for the month of XXXX, so I did. I provided all documentation requested by this car loan company and they initiated a " 72 hour investigation '' to look further into what went wrong with the account. I waited over 72 hours and nobody has reached out to me, so I called the car loan company again to see what the results of this " 72 hour investigation '' was and the representative I was talking to told me they didn't know what investigation I was talking about - so she started ANOTHER " 72 hour investigation. '' I then waited over 72 hours once again and nobody has reached out to me. I called the car loan company again and they told me the individual investigating my girlfriend 's account is waiting for approval from his boss to listen into the phone call that I made to them on XX/XX/XXXX to see what went wrong with the information that was provided by me and see if it matches the information their representative took down for the payment I attempted to make on XX/XX/XXXX and that the car loan company needed more time to " investigate. '' When I asked them how much more time they needed, the car loan company representative said she couldn't tell me and just hung up on me. I called over and over after the last representative hung up on me, demanding they give me some kind of way to make a payment since the car loan company 's collections department keeps calling me asking me to make a payment. The car loan company finally gave me the option to make a payment via XXXX and I made a payment the next day. I made the usual amount payment that I do every month at a XXXX XXXX on XX/XX/XXXX. My girlfriend was notified on XX/XX/XXXX from her XXXX XXXX app that her credit score went down, when we checked the app it said her credit score went down over XXXX points due to her car loan company sending my girlfriend to collections. The next week after I was allowed to send GLS my payments through XXXX I sent double the amount which would bring me up to date on my payments altogether. My girlfriend and I have plans on buying a house within the next couple years and to trade in her car before XX/XX/XXXX and our plans are being pushed back so far out of sight at this point. This car loan company is literally destroying our future and our backs are against the wall because we have done nothing wrong to deserve this happening to our family.
01/26/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Problem after you declared or threatened to declare bankruptcy	MO 63385	Web
I have .a car that is financed through Global Lending Services LLC . Due to many medical problems ( that were unforseen ) I spent a lot of days in and out of the hospital and was unable to work. I fell behind in payments and Global Lending Services repossessed the vehicle. I immediately called Global Lending XXXX to find out where the vehicle was located so that I could go and retrieve my personal belongings and to work out details to get the car back. Since I have been out of work, I was unable to pay the back payments that were owed and the fees associated with the repossession, so I decided to file bankruptcy. Upon filing bankruptcy ( CH XXXX ) Global has decided that because of a new Supreme Court ruling that they were not required to return the vehicle to me, even though I had an agreement through the bankruptcy courts to pay back the loan on the vehicle over the next 5 years. Part of their process is that once a vehicle is repossessed, they hire a third party company by the name of XXXX. Each time I called the number for Global Lending, I was automatically transferred to XXXX to speak with them regarding the details of my case. I called XXXX several times over a time span of 3 weeks, trying to obtain information and the location of my vehicle. I was informed that Global would not be returning the car. At this point, in order to be able to get a different car to so that I can get back and forth to work, I had to convert my bankruptcy to a Ch XXXX I was told that Millennium was unaware of the location of the vehicle and that they would have to await a response from Global. Over the three weeks, I NEVER got an answer from either company as to the location of the vehicle that they repossessed that still contains my personal belongings. So, in order to get in touch with Global Directly, I called from a different number that was not associated with my account and actually got to speak to a live representative from XXXXlobal. Global immediately gave me the location of the vehicle. I called the towing company where the car is located and was informed that due to a policy of Global and XXXX, I had to pay them {$50.00} before my personal belongings were released to me. This is not right. They repossessed my car not my personal things and now I feel like my personal things are being held hostage by XXXX and Global. I do not feel like this process is fair or equitable. I obviously don't have extra money just laying around to spend with a company that did not want to give me the location of my vehicle right off the bat. It is absolutely ridiculous that I have to pay in order to retrieve my personal belongings out of a vehicle that was repossessed. These are my personal items and they are not a part of the contract that I signed with Global Lending. I am now going to have to borrow the money from someone in order to get my things back. I should not be put in this position for these types of reasons. It is unreasonable to expect someone whose car is repossessed to pay to get personal items back especially when I had been trying to obtain the location of the vehicle for 3 weeks and couldn't get a solid answer from anyone at XXXX. I called numerous times over the course of 3 weeks and kept getting the run around from this company and now they expect me to pay them more money just to get my personal items. I am beyond frustrated with both of these companies but more so XXXX because they knew the location of the vehicle and just never passed the information along. It should definitely not be this hard to find out where a car is located when it is repossessed, especially when personal things are at stake.
05/05/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 49442	Web	Servicemember
Please reconsider and take a second look PLEASE at this investigation Ive been mishandled, my case has been mishandled, and Settlement offer has been mishandled. For these reason below are valid, Attorney XXXX XXXX response letter dated XX/XX/XXXX has inaccurate accounting information in comparison with Global Lending Services LLC documents provided herein, attached is evidence that proves misappropriation of settlement funds. This unjust, unethical behavior and misconduct of Attorney XXXX XXXX needs to be addressed. Please help me clear this off my credit report global has received full deficiency loss payment no garnishment needed and return withheld owed monies to me. As of XX/XX/XXXX records show Im owed XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$19000.00} I need my money. Below the new discovered evidence that Attorney XXXX XXXX did misappropriation of settlement funds based on documents attached from Global Lending Services LLC, and XXXX XXXX XXXX. Attorney XXXX XXXX, withheld XXXX XXXX XXXX letter XX/XX/XXXX progressive PAID deficiency loss {$30000.00}, this amount was applied to Global Lending Services LLC non-payment deficiency balance {$28000.00}. For this reason : I, believe Global needs to remove Global Garnishment off my credit report at the XXXX major reporting agencies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX this garnishment in error {$21000.00} Please remove garnishment. Attorney XXXX XXXX, withheld settlement offer XXXX XXXX XXXX XXXX direct deposit {$12000.00} into my personal checking account at XXXX XXXX XXXX XXXX XXXX that Global Lending Services LLC unauthorized debited this same {$12000.00} took it back. Attorney XXXX XXXX said this money would be apart of XXXX XXXX final settlement. For this reason : I, believe Global needs to return to me this owed settlement paid by progressive that never got applied to Global deficiency loss balance, so Im owed this refunded to me, I NEVER RECEIVED. Please help me receive refunded the {$12000.00} that global lending and Attorney XXXX XXXX has withheld from me. Global Lending Services LLC illegally debited my personal banking account taking back this settlement money that progressive deposited and Global never applied to deficiency loss balance, return this money to me. Please help me receive refund to me the {$3600.00} AUCTION Sold XXXX XXXX XXXX Global Lending Services LLC and Attorney XXXX XXXX never applied this monies to deficiency loss balance nor return this money to me. Please help me receive refund to me the {$3800.00} Global GLS- GAP XXXX XXXX Global Lending Services LLC and Attorney XXXX XXXX never applied this monies to deficiency loss balance nor return this money to me. Note : the GLS-GAP policy has not honored it contract, this XXXX policy if your car is totaled pays off auto loan, so this is another discrepancy that needs attention. For this reason : remove garnishment off my credit report with the XXXX major credit bureaus please. Attorney XXXX XXXX mishandled my settlement money his behavior is unethical I need your help receiving the {$19000.00} Im still owed. As of XX/XX/XXXX records show Im owed XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} I need my money. Not only did he mishandle my case he recommended that I file bankruptcy. This treatment has been unethical and very offensive to say the least. So, when Attorney XXXX XXXX accused me of being upset YES, I AM. Please help Sincerely, XXXX XXXX
02/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 165XX	Web
This complaint is against XXXX XXXX XXXX XXXX Until viewing my credit file, I have been disputing inquiries this company placed on my credit file, without my permission. My initial dispute started in XXXX of XXXX. All XXXX credit bureaus come back with first a stall tactic and then a fake validation letter. According to the credit bureaus, they have confirmed with this company that the inquiry belongs to me and that you are not removing it. I Demand that you do IMMEDIATELY! I have lost all my patience and this is the final attempt before I file legal action against this company. I have been the victim of ID theft. I was in a motorcycle accident early last year and someone made an attempt to apply for XXXX in my name. I have short term XXXX from my job so knew this wasnt me. A XXXX months later they made several attempts to obtain credit cards and car loans in my name. There are XXXX inquiries from XXXX XXXX XXXX on my report. No one in their right mind would put that many credit inquiries, apply to the same company, in such a short amount of time. I have not applied for any auto loans or credit cards and do not wish to. It's obvious this is fraud. Since this agency is reporting that the inquiry is valid then I demand to see the proof. Also, prove that it is actually me that made the inquiry 1.I demand the original credit application signed by me, showing my wet ink signature? You dont because it doesnt exist. XXXX.Did you even make an attempt to investigate this matter to prove it was actually me? Again, no you did not as I was never contacted by this company in regards to this so-called fake investigation. XXXX. I demand a full ledger of every step of your investigative process, for each dispute submitted by me. To continually ignore my request for validation shows malicious and willful noncompliance, which is against Federal Law. You have violated many federal laws in The Privacy Act of 1974. XXXX agency is not allowed to share information with another agency without a consumers consent. 15 UCS 1681 Section 604 A Section 2 - clearly states any furnisher of consumer reporting is to have written consent from the consumer before reporting and item. XXXX XXXX XXXX did not have my consent. I have reported this fraud to the proper authorities. I am demanding you remove all inquiries made by this company to all XXXX credit bureaus immediately. Federal law states that fraudulent items are to be removed within XXXX days. You have run out of time. If these inquiries are not removed and proof of this action has not been sent to me I WILL TAKE LEGAL ACTION AGAINST YOU. Violation of the Fair Credit Reporting Act is {$1000.00} per violation. Since you have decided to ignore or perform proper due diligence when I demanded an investigation, you are responsible. You are the furnisher of this information, so the burden of proof and all liability is on you. At this time, I am demanding {$2000.00}, for the violations and the immediate removal of all inquiries from this company. The following inquires were placed fraudulently on my report on XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX Your expeditious handling of this matter is expected.
10/11/2023	Yes	Vehicle loan or lease Loan	Repossession Account reinstatement or redemption after repossession	CA 90045	Web
I purchased a vehicle on XX/XX/XXXX with Global Lending Services ( GLS ). The vehicle contract charged me for registration fees, however, the dealer illegally registered the vehicle in Missouri, a state I did not live in. When the vehicle was brought to me in California, it had temporary tags. When I went to the DMV, I was told that I owed {$4000.00} in taxes and registration fees. I went to the state and they agreed to give me a payment plan where theyd grant me registration for after making payments of {$2000.00}. During this time I stayed up to date with my payments. In XXXX, GLS emailed me saying I needed to pay the taxes. In XX/XX/XXXX I only made {$1000.00} in payments, GLS called me and insisted for me to register the vehicle. ( Id later learn this was so that they could get claims to the vehicle ). I shared that I couldnt make payments to both the state and GLS. They gave me a month off to make the payments. During this time, I spoke to 4 banks that wanted to grant me a refinance loan however, they refused to finance an unregistered vehicle. I went to the DMV and it took 3 months to set up registration. In XXXX when I began to fall behind, I told GLS that I cant make payments. Could I cancel my warranty to retrieve the {$1500.00} check make some payments towards what I owe, while I still make settlements on the tax bill. The bank said yes the warranty check will help. I cancelled the warranty then the check was sent to them. For 2 weeks they pretended as if they didnt have the check until I went and found the check # and admitted they had it. This was in XX/XX/XXXX. At that point they denied the check having any assistance on my payment and would only go towards the principal. At that point they decided to move forward in the repossession process. I locked the car behind a gate until I finished making all the payments for the taxes in XXXX. On XX/XX/XXXX the bank broke California Law and trespassed behind the gate to illegally repossess the vehicle. According to California law they were supposed to send me written notice within 48hrs. I never received this information until XX/XX/XXXX. When I called the bank on XX/XX/XXXX they said they have the car, I asked how did they get behind the gate, they said their repo company has their ways. I received written notice on XX/XX/XXXX that would allow me to reinstate the loan. On the paperwork it said I would need to pay {$3000.00} and that they would take off 2months payments and defer repo fees toward the end of the account. So to reinstate the loan would be XXXX. Today XX/XX/XXXX the day before my last day of reinstatement, I called the bank they gave me a number that is different from the written notice and goes again when they sent me. After having a disagreement on what the cost is they admitted that what was sent on the paperwork was wrong. However they are now demanding me to make a payment that is more than what we agreed to and what was on paper. After noticing that they say one thing and keep going back on our agreement I notice they are doing illegal state and federal practices and committing predatory lending.
10/01/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	AL 351XX	Web
I purchased a vehicle from XXXX XXXX in XXXX Alabama. After the purchase three weeks later I was contacted from the finance company which is Global Lending informing me that they had worked it out to where I could get the car. I then informed them that I already had the car and they were confused so they said they would call me back so they called the dealership once they spoken with the dealership play said the dealership had dropped the ball and that my payments would be lowered {$100.00} due to their negligence then they told me that I would have to sign a new contract my original contract had my gap insurance due to that fact I was working in a retail store and could not leave work which was always made very clear from the day one of the purchase so with that being said they sent someone to my job to have me sign a new contract informing me that only thing changed was my payment due to the negligence of the car dealership well I had a lot of people and all I asked was the only thing changed on here is the car payment so I signed it not knowing that they had taken out my gap insurance I was then hit by an XXXX and after that fact I had for about a year had already been been trying to get that new contract from the dealership I talked to leave the owner countless times and I had to have date and all of that available also this was at no fault of mine due to this wreck it has just diminished my whole life is messed up everything anyway with that being said I contacted Global Lending and let them know as soon as the wreck that happened and then they kept trying to get in touch with the dealership I was been informed that no gap insurance was ever honored and that I would have to take it up with the dealership so that left me XXXX and then on top of that the payoff that was sent to me in paper on a bill like 4-5 months later stated my car pay office only XXXX XXXX and something well once I had wheeled and dealed with the finance company I mean Liberty Mutual who was responsible for hitting me day in and day out from XXXX up to XXXX and something they told me that I still owed {$430.00} well then I told them I would take them to court because that is not what the quote stated on my papers also I never could get my gap insurance honored on top of all of that they tacked on Mini late fees and put me through a lot of hardship then once I told them I would be taking them to court they sent me a check for {$430.00} but on my credit report it states that it is a charge off of over {$14000.00} which is absurd so I have don't look Delta these people hours and hours on the phone I have done all I know to do my I'm exhausted and I don't think it's fair that people can practice business such as XXXX XXXX the way that they did and took out my gap insurance and then I would have been left XXXX and not been able to do anything that I need to do so until my personal injury litigation Czar over I guess that's where I'll take that up so I need that corrected on my credit report it was not a charge-off they were paid in full and some
12/02/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	PA 19023	Web
On the date of XX/XX/XXXX I sent a letter to the CEO of Global lending stating how they violated my rights. And Ill show what I sent to them and added all violations for this credit denial to get a loan for my vehicle. At the time I matched all qualifications and still got denied. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX XX/XX/XXXX XX/XX/XXXX Global Lending Services XXXX XXXX XXXX XXXX, SC XXXX Adverse Action To whom it may concern ; Im writing this letter to inform you about the credit transaction entered with your Company XX/XX/XXXX, and I extended your organization the credit for the Application ID : XXXX Im giving your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which means shows the pertinent facts of this transaction. Your Company never informed me about the Cost of Credit and only evidence of indebtedness was just a computer-generated agreement. According to the law 15 USC 1602 ( k ), the term adequate notice means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any means reasonably assuring the receipt thereof by the cardholder. Since there was not an adequate notice given as per above mentioned section, I couldnt understand its meaning which is violating my rights under 15 USC 1602 ( k ). Furthermore under 15 USC 1601 ( a ) consumer must be aware of the Cost of the transactions. Since I wasnt aware of the transaction, there was an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. From your side I have not benefitted from this above transaction which is again a violation of 15 USC 1602 ( p ). According to 15 USC 1602 ( p ) The term unauthorized use means use of a credit card by a person other than the card holder who does not have actual, implied or apparent authority for such use and from which the card holder receives no benefit. I hereby request you to these things below mentioned 1. Reverse the adverse action that was sent to me and please send me my credit card with my proper name on it. If your company accepts my request, I will not escalate this matter to Federal courts, but if my letter is rejected for some reason, legal action will be taken against your company for compensatory damages. Thank you for your time and attention for this matter. Sincerely, XXXX XXXX XXXX This is what I sent to them in hope of a over turn in credit consideration they stated on the letter that Ill upload they have no knowledge of any credit transaction but I have two different dates where I applied and was denied the dates are as follows with application ID XXXX App ID : XXXX DECISION DATE XXXX XXXX App ID : XXXX DECISION DATE XXXX
05/31/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	WA 99163	Web	Servicemember
XX/XX/XXXX when making my payment online I noticed my payment due was less than normal. I called the company to verify the payment amount and was told the amount due was correct on the website ( lower amount ). I paid that amount. XX/XX/XXXX I get a past due notice. I called and the company indicated they posted a payment to my account in error in XXXX and they were demanding I pay 3 times what my normal payment was. I asked for a member of the management team to call me back in XXXX, then again in XXXX and again in XXXX. I just continued paying my normal monthly payment. In XXXX I started getting harassing phone calls and when I spoke with my account rep she indicated the only way to reslove the issue was to pay 1 months payment ( mind you I have been paying wvery month since XX/XX/XXXX ) and I could get an extension. I paid my normal payment, I got the extension paperwork on XX/XX/XXXX or XX/XX/XXXX, signed the paperwork and emailed it back on XX/XX/XXXX @ XXXX. Never heard from them since. Earlier this week, we were at a dealership trading the car in and the salesman told us that when he called to get the payoff amount, they were not only told the payoff amount but that we were 3 months past due on the account. 1st off, they should not have said anything to the deslership about the past due balance. Second, they never processed the extension paperwork stating they never received it. So, I called them on Tuesdsy this week, got a supervisor on the phone that said she would need proof that I sent the paperwork bavk within 10 days of receiving it. So, I emailed her proof and didnt hear from anyone. So I followed up and was told they have the proof I emailed the completed paperwork on XX/XX/XXXX, but it was emailed to another department within their company, so since the extension department didnt receive it, they were not able to honor it. So essentially I emailed the paperwork, on time and to the company, but because they cant communicate amongst themselves I am still past due. The supervisor XXXX XXXX tells me today they have been trying to get ahold of me since XXXX and I didnt respond. Funny thing is, I made contact with them in XXXX, and thats how I got the extension paperwork. Then he back pedals and says we tried to contact you in XXXX, yes last week 1 time and then 1 time this week. After I called them. Then he back pedals again saying we tried calling this number and this number with no response. The 1st one is my cell phone ( they only called twice within a 5 day period ) and the 2nd number I had never heard of before. So, when I ask XXXX what the 2nd number is, he says oh, that # and account note was supposed to be posted to someone elses account. It was posted to your by mistake. Bottom line is, they messed up and are now harrasing me for payment when several things are from their mistakes. And divulging my personal account information to a dealership is not winning them any favors in my book.
12/15/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	AZ 85339	Web
Dear Sir/Madam, I am writing to formally file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a troubling issue related to the denial of a vehicle loan application submitted to Global Lending. This denial appears to be in violation of the Equal Credit Opportunity Act ( 15 U.S. Code 1691 ) and may involve allegations of securities fraud. The details of my complaint are as follows : Vehicle Loan Application : On XX/XX/2023, I submitted an application for a vehicle loan to Global Lending. To my surprise, my application was immediately denied. In response to the denial, I sent a certified letter to Global Lending seeking additional information and clarification regarding the denial. I have attached a copy of this certified letter to this complaint for your reference.Despite sending the certified letter, I have not received any response or communication from Global Lending. This lack of response is concerning and has left me with unanswered questions and uncertainties regarding the denial of my loan application. Securities Fraud Concerns : I believe there may be potential securities fraud involved in this matter. Global Lending has a published 10-K annual filing and an indenture agreement with XXXXXXXX XXXX XXXX While they denied me credit, it is possible that my loan application was still sold, which could affect my security interest. This raises serious concerns about the treatment of my personal and financial information. I realize the application says it can be transferred, but the application does not say that they can deny you access to your credit, then sell your security on the commercial paper market, earn a profit from my application because it is pooled into assets backed securities. They also violated equal consideration. The applicant was accepted when it was sent, they accept it but then denied, so credit should have been issued. I am filing this complaint with the CFPB to request a thorough investigation into Global Lending 's denial of my vehicle loan application, their lack of response to my certified letter, and the potential securities fraud implications of this situation. I seek clarification regarding the denial and whether it was in compliance with the Equal Credit Opportunity Act. Additionally, I want to ensure that my personal and financial information has been handled appropriately and in accordance with relevant laws and regulations. I kindly request that the CFPB investigates this matter promptly and thoroughly. It is essential to determine whether Global Lending has violated consumer protection laws and regulations, including those related to equal credit opportunity and the handling of personal information. Thank you for your attention to this matter. I look forward to a resolution that ensures compliance with consumer protection laws and provides clarity regarding the denial of my loan application. Sincerely, XXXX XXXX XXXX
08/12/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 78245	Web
My mother called me on XX/XX/2018 stated she received a call from a someone from XXXX county stating she needed to have me call them back as they have charges filed against me and I would be going to jail if they don't hear back asap. My mother was clearly worried so I looked up the number before calling back and there were numerous complains stating they received a similar call. Within a few minutes I had a voicemail on my cell phone from global same man that called my mom ( XXXX ) XXXX with the same message. Within minutes our work receptionist let me know she had a very strange phone call for me. I took the call, it was a the same man sayig he was from a firm representing global he was asking me to confirm my name and DOB. I didn't confirm he then proceeded to say I left a message with your mother do you want to go to jail why haven't you called back! He said he was calling from XXXX county and said if I don't call XXXX case # XXXX I said what is this about he said that's like opening your mail, I don't know if you want to resolve that matter call the number or have two forms of ID ready for the Sherriff who will pick you up @ work. I told him to please stop calling me and I hung up. He called right back and asked for my boss, he was rude to her as well and said he was calling from global and told her he wanted me to call them back they will be going to my place of work to arrest me she asked him what do you need from me as your calling her place of employment he said for you to give her the message to call back immediately or we will move forward with serving her at work confirmed my work address then said have her two have ID ready for the sheriffs office & hung up on her. I called XXXX county and they said they don't make those types of calls and it was most likely an debt collector or a scam they could simply take an informative report. At this point not only was a deeply embarrassed at work I was worried as I didn't know if this was legitimate of not. I called and left a voicemail to the number the man left but it just rang then went to voicemail. I contact an attorney XXXX XXXX and explained to him what occurred he asked me to make a complaint here and said he called them back but also got a VM, he left a detailed message but hasn't heard back yet. He said in the message he asked them to send me something in writing he said it should be sent within five business days of their initial contact with me. He stated its either a scam or an illegal debt collector. I really don't know what else to do in the interim as I have the feeling they will be contacting me again at work, how is this type of harassment legal, I'm really worried and upset that this happened to me. If I truly owe a debt to them id like to have the opportunity to research and resolve it without extreme measures of harassment. I'm asking for your guidance and help on this matter please.
10/11/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	WA 983XX	Web
This very important and there is so much more to say but I don't know how or what to do. On XX/XX/XXXX I was the victim of identity and fraud. The thieves filed a claim with my bank, XXXX, for the last three months of car payments that I had made, I have documentation, and the bank placed a credit for the amount of {$1100.00}, while it was happening I was made aware that fraud was happening to my account, I called XXXX and alerted they're security department of what was / had happened. They tried to stop it but the crooks had already taken the money. Which caused an over draft for the money. I received a letter from XXXX stating that they had finished their investigation and had removed the credit, as they should have. And on the date stated in the letter, the XX/XX/XXXX, I thought that they would have credited back to my car loan company the money. They had not released the money. I started getting phone calls from the finance company, Global Lending services LLC telling me that I was three months behind on my payments. I explained that I was the one who informed them that they and I were the victims of fraud and that I had filled reports with both the FBI and XXXX Police department for the incident and that XXXX was supposed to release the money around the 19 th. They didn't release the money. I started getting phone calls from the finance company, each one meaner then the prior call. I kept explaining, and I got no where. XXXX didn't give me a reason why the money wasn't released. I have been in communication with the finance company the whole time this is happening. If I had missed a call from Global Lending services LLC, I always called back. On Monday I had two missed calls, one was unknown number and one was anonymous. Only one left a voicemail and I couldn't understand what they said. Tuesday morning at XXXX XXXX I went out to my car and it was gone. I called Global Lending services LLC and found that they had repossessed my car. When I asked why, again, I'm supposed to be behind by 3 months. I asked why wasn't I contacted and was told that I ignored their phone calls. That's when I remembered the calls mentioned above. I replayed the voicemail, I listened to it six different times before I could figure out who and what they said, very low and fast, " Global Lending services. '' That was all. I saved it. I spent the next several hours on the phone with XXXX and Global Lending services LLC and that is when I finally found someone with XXXX to tell me that they didn't intend to release the money until the XX/XX/XXXX. When I asked why it was because they could, they said that the law gave them 45 days before they had to release the funds. When I told them that they had repossessed my car the only thing that they said was sorry. Meanwhile Global Lending services LLC is reporting that they repossessed my car with the credit bureaus for late payments
01/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA XXXXX	Web
To Whom It May Concern : This is not a third party complaint Be it known that I, XXXX XXXX, am a federally protected consumer as defined by 12 CFR 1016.3 ( e ) ( 1 ) and upon my recent review of my ( XXXX, XXXX, or XXXX ) credit report, I noticed unauthorized, Non Public, personally identifiable financial information on my credit report being used as a coercion tactic causing me undue stress, anxiety and negatively impacting my credit file that, according to Congress, is to be fair and equitable to me. According to 12 CFR 1016.3 ( p ) ( 1 ) Non Public Information : Personally identifiable financial information, per 12 CFR 1016.3 ( q ) ( 2 ) ( i ) ( B ), includes Account balance information, payment history, overdraft history, and credit or debit card purchase information. Additionally, per 15 USC 1682a ( 2 ) ( A ) ( i ) " consumer report '' does not include report containing information solely as to transactions or experiences between the consumer and the person making the report ; GLOBAL LENDING SERVICES LLC is hereby given notice that pursuant to 15 U.S. Code 1681 ( a ) ( 4 ), GLOBAL LENDING SERVICES LLC has violated my right to privacy by furnishing my private personally identifiable financial information without my written consent or any lawful authority and pursuant to 12 CFR 1022.3 ( h ), { CREDITOR NAME } may have committed aggravated identity theft as defined by 18 U.S. Code 1028A, by making such reports without such lawful authority and without my prior express written consent. As stipulated above, any and all unlawful, unauthorized Non-Publicly available information reported as listed below, but not limited to, shall be removed immediately from all credit reporting agencies. Late payments XXXX XXXX and XX/XX/2022 Additionally, notice is hereby given, I, the consumer in fact, effective immediately, XXXX XXXX XXXX, invoke my consumer rights under 12 CFR 1016.7 ( h ) to OPT OUT of all reporting of any Non-Publicly available information and hereby invoke my rights that my OPT OUT is to remain effective until I, the consumer, revoke such in writing per 12 CFR 1016.7 ( i ) ( 1 ). Failure to respond satisfactorily with corrections and/or deletion on the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ), and 2. Negligent Enablement of Identity Theft, and 3. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Once these violations have been deleted please send me written verification of each action item along with a free copy of my report showing the removal has been completed. Best regards, XXXX XXXX XXXX XXXX
09/16/2022	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	FL 32812	Web
This lender repeatedly attempts to, and successfully does, collect " late fees '' when I do not in fact owe late fees, and refuses to correctly set up and use the auto-pay feature to deliberately charge me late fees to my fund. I say " deliberately '' because every attempt I make to remedy this in advance, and anticipate this issue, this company disregards it and fails to draft their money from my account according to our agreement. I have proof of autopay setup successfully, that the funds are in my account, and that they still intend on charging a late fee for this installment payment. This has caused very serious harm to my credit report, and, to their obvious benefit, causes me to lose money to them in the form of late fees and now I am stuck with this loan because no one will refinance a loan on a " delinquent '' payer. To begin with the more recent example, today I can see on my account that my payment method is already set on my online account ; I can see that my bank account information ( with routing and account number ) is correct on the " one-time payment '' feature, and also the " autopay '' feature. I can also see the history of my payments from XX/XX/2021 - XXXX. Nevertheless, it states that I owe them late fees and my payment has increased to cover the late charges. There is no explanation given. If one calls, one will be routed to someone that can make payments, but that person can not discuss issues with billing, that will be another person, but the person that discusses issues with billing can only discuss issues with billing methods and autopay problems, so they route you to another person, who can only discuss issues with the previous billing, and so on. You will finally be told that you must write a letter to Global Lending Services. I have written four letters now to Global Lending Services, and none have been successful in prying information to them that they are the ones with the ability and agreed-upon responsibility for drafting my account correctly. Now I have several " late '' or " missed '' payments on my credit report which are incorrect, and they refuse to remedy or correct this by mail, by phone, or of course in person as they do not have a physical location. Also, they do not actually let you pay online, and if you call the center they wish to add a convenience fee, otherwise, they refuse to draft your money. I set up auto-pay years ago when I first got the loan to avoid convenience fees, late fees, and delinquencies on my credit report -- all of which this lender does do anyway ; which is to their benefit : this practice of theirs increases their revenue from me, and prevents me from refinancing elsewhere, as it has today. One does not have the time and money to constantly deal with them and their call center.
05/06/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Problem after you declared or threatened to declare bankruptcy	TX 77049	Web
On XXXX XXXX, I filed Chapter XXXX Bankruptcy. I asked my attorney to reach out to my creditor Global Lending Services, about establishing a reaffirmation agreement for my car loan. A reaffirming agreement was sent to my attorney by XXXX XXXX XXXX prepared by a 3rd party representative for Global Lending Services the agreement was signed by both parties and filed on XX/XX/2020 with the bankruptcy courts. My case was discharged on XX/XX/2020. I contacted Global Lending Services by phone and email for several months trying to get them to update my account information according to the agreement so that my account would show as current however, each time I called customer service no one could help me or knew what I was talking about. I became concern about my loan going into default even though I was paying the amount identified on the reaffirmation agreement as stated they were still listing my account as past due, showing the original loan information prior to the agreement. Once my discharge was granted by the court XXXX XXXX XXXX began the collections calls every day, when I try to explain about the reaffirmation agreement no one could help me to understand what the issue was they just wanted me to pay the past due amounts they had listed on my account. Finally in XX/XX/2020, I was forwarded to a representative by the name of XXXX who told me she could not do anything until she heard back from XXXX XXXX XXXX who handles their bankruptcy case this is a 3rd party representative. On XX/XX/2020 GLS 3rd party representative reached out to my attorney implying the original reaffirmation agreement sent by them to my attorney and filed with the bankruptcy court on XX/XX/2020 was incorrect and I would need to sign a new one and file it with my bankruptcy case which had already been discharged as of XX/XX/2020. I refuse to do this when I already have a legal binding document filed with the bankruptcy court agreed upon by both parties and approved by the bankruptcy trustee. As of XX/XX/2020, I am still waiting for them to honor the original reaffirmation agreement signed by both parties and filed with the bankruptcy court to be honored by Global Lending Services. My account with Global Lending Services has not been updated per the original filed reaffirmation agreement and they are reporting each month the incorrect information to the credit bureaus showing me as past due. I can not get a response from anyone as to when the filed reaffirmation agreement will be honored by them and my account updated accordingly. If I can not get this resolved with CFPB help I will seek additional legal actions to get them to honor this agreement filed with the courts.
05/19/2022	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 326XX	Web
I purchased a vehicle back in XXXX and the finance company that financed me was Global Lending Services. I paid {$5000.00} down for my XXXX XXXX, I also purchase a warranty. 3 weeks after purchase I began to have major mechanical failure. I contacted the warranty company and found out Global lending failed to verify that the dealership did everything they were supposed to on their end including making sure payment was made for the warranty. The warranty added XXXX to my loan. I was without a car longer that I should have do to a delay in finalizing the warranty. The issues arose because I missed almost a month of work. My payments are up to date. My first payment was do XX/XX/XXXX I started receiving calls about 2 weeks after my first payment was due. After I started receiving multiple calls during the day during my work hours I requested a cease and desist. I explained that I just returned to work and it was inappropriate for Global lending services to call me multiple times a day almost everyday. The representative I spoke with I asked her to update my address because my permanent resident is in Florida because that is where Im licensed. I travel for work. My address was never updated and the representative did state she noted my account to not contact me by phone and she said I would receive written correspondence via mail from them. A few days later I started back receiving calls. I received calls from multiple numbers for Global Lending Services. On today I answered a call the person didnt say anything when I said hello. Then I received another call. The person said her name was XXXX and she needed to speak to me. I asked her to identify who she was and stop telling me her name is XXXX. She then said she was calling about my vehicle and she was from Global Lending Serviced and I told her that their is no reason anyone should be calling me. My account is paid and I kept repeating cease and desist. I told her that I should not be getting calls and its to the point it is harassment. I ended the call. I also wanted to note that even when I called prior to my date to get help with Global lending doing their party and contacting the warranty company and dealership to see what was going on with my warranty. The first thing a representative would say is am I calling to make a payment. I explained my payment wasnt even due yet. My car payments were reflected in the amount that included my warranty. If I had no warranty then no payment. Also, when I try and make payment on my account via online their is always a error message as if they are trying to force me to call them. So my payment are made by mail and or XXXX XXXX.
10/05/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	IL 62002	Web
In XXXX of XXXX I signed a contract that should be null and void as the dealership and the lending committed fraud on both federal and state levels in regards to the XXXX XXXX XXXX. I'm an XXXX XXXXesident and my drivers license states this as well and I informed the dealership of this information once I realized this as they put a Missouri address on the loan and I've never been able to register this vehicle. I was told they couldn't add that to the loan which isn't true as an XXXX resident that is included in all vehicle sales and I stated this the numerous times I called trying to get this vehicle registered. They are cheating Illinois out of taxpayer dollars and by using a Missouri address they were avoiding the usury law as well as the cap on loans that Illinois has in place to protect their residents. XXXX XXXX sold me a car that had a value of $ XXXX {$10000.00} at the time of sale for {$20000.00}. XXXX XXXX and Global Lending issued me a loan for 72 months and I will end up paying 4 times what the car is worth and double the loan amount which isn't legal under state or federal law. I paid {$2500.00} as a down payment and instead of subtracting that amount from the cost of the vehicle it was taken off the full loan amount. I shouldn't have to pay the full amount as XXXX XXXX got paid the full amount of a vehicle which is committing fraud along with Global Lending. I was under the impression this vehicle had a XXXX mile warranty and wasn't made aware of this until I called to inquire about some issues with the vehicle. I wasn't fully aware of the fraud that had taken place and was unaware what I had signed as I thought the total of the loan was {$20000.00} as I was never made aware the vehicle had a 100 % markup as well as the loan. XXXX XXXX and Global Lending are aware that different states have different laws and that is why they refused to use my XXXX address but instead my girlfriend address. I was scammed and a vehicle that can't be registered is not a valid sale. Illinois has a Usury law and it has clearly been violated and this contract must be voided as they have cheated and scammed Illinois out of taxes and other fees associated with the sale of a vehicle. Both companies need to be investigated as other residents may have endured the same fate and didn't know they had remedies. I'm one resident but there may be other residents in other states who may not be getting the money they are rightfully owed. How many other residents may be owed money because they may have paid the loan off early and my be owed a refund on the gap, warranty or the down payment because the payoff amount was incorrect?
05/26/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	IL 60628	Web
Global Lending Services Account XXXX. XXXX, has violated my rights as a consumer in several ways. 1. Global Lending has denied my request to pay off the account according to the Retail Installment Agreement. 2. Global Lending refuses to send the title to my vehicle after denying my request to pay off the vehicle. 3. Global Lending has charged off and reopened the account it several times. Each time the account is reopened, more money is added to the balance. 4. Global Lending has charged off the account, and has not provided to me the proper IRS documentation. 5. Global Lending is reporting the tradeline on other individuals credit reports. 6. The company has made changes to my original contract without my knowledge, approval, nor signature. 7. The company has denied sending a copy of the original retail contract for over a year. A copy of the contract was provided after submitting a CFPB complaint in XXXX of XXXX. 8. The company has reported incorrect payment information to the credit bureaus on a consistent basis. As of today, on XXXX, the account indicates that I was never late and the account being closed on XX/XX/XXXX. On XXXX the account is listed as being charged on XX/XX/XXXX. 9. The last payment I made to the creditor was XX/XX/XXXX. Global Lending is reporting I last made a payment .on XX/XX/XXXX. 10. The creditor falsely reports that I have made payments in XXXX ; reporting 30, 60, and 90 late statuses on the tradeline to all 3 credit bureaus. On XXXX, the account was closed and reopened reporting to my credit report as follows : 1. XXXX XXXX days late : Balance {$12000.00} 2. XXXX XXXX- 60 days late : Balance {$12000.00} 3. XXXX XXXX Closed : Balance {$12000.00} 4. XXXX XXXX Closed : Balance {$12000.00} 5. XXXX XXXX Closed : Balance {$9400.00} 6. XXXX XXXX Closed : Balance {$9400.00} 7. XXXX XXXX Closed : Balance {$9400.00} 8. XXXX XXXX30 days late : Balance {$9400.00} 9. XXXX XXXXClosed : Balance {$9400.00} 10. XX/XX/XXXX - Closed : Balance {$9400.00} 11. XX/XX/XXXX - 30 days late : Balance {$9400.00} 11. When disputing the inaccurate information with the credit bureaus, Global Lending verifies the inaccuracy as being valid information. 12. I have reported Global Lending to the Illinois States Attorney Generals Office. They were nonresponsive for months. I was advised to retain counsel for their malicious practices. 13. I have disputed this account several time with XXXX, XXXX, and XXXX. All bureaus continue to report inaccurate information. I have been advised by all 3 bureaus my dispute was frivolous, and they will not investigate. 14. All parties have been reported to the FTC.
08/20/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	VA 20171	Web	Servicemember
On , or about XX/XX/XXXX Global Lending Services (GLS) did repossess my vehicle (XXXX XXXX XXXX). When I made contact with the "Reinstatement Department" on the same day, I spoke to several agents ( XXXX, XXXX); first both agents refused to properly identify themselves when ask of their employee ID#s; secondly both agents made false statements concerning the status of the account.1. That a "Right to Cure" letter was sent out on or about XX/XX/XXXX, and then in XX/XX/XXXX. The account was put into a "Deferred Payment" status (90 days;) late XX/XX/XXXX, which meant no payments would come due until XX/XX/XXXX. This reason for the deferred status was that I was impacted by the Federal Government shutdown.Extension dates: XX/XX/XXXX ; XX/XX/XXXX; XX/XX/XXXX - 4 other payments were made, with the origination of the loan being XX/XX/XXXX - Payment was deferred 45 days from that date as 1st due XX/XX/XXXX - The account was only 59 days past due but the show it as 122 days, which does not align with the deferments and payments... Again the lender did not send via mail, email, or text messaging any information pertaining to the account status. 2. During the same conversations with both representatives, I inquired about the past due about to bring the account current, both refused to give the balance on two separate calls, and both refused to cooperate with how I could bring the account current - they both hung up the phone, but before that told me that there is nothing they would do to help with my concerns in recovering my vehicle. 3. When asked, both representatives refused to give information on where the vehicle was located, that I had personal belongings, money, etc. in the vehicle and I also informed them that I was on travel in another city stating at a hotel where the vehicle was picked up; their response on two separate calls was that, " you are considered a skip, and we will not release your vehicle" They also stated that, " since you are in another city traveling we consider you a skip". I explained to them that I was not a skip, that I was on travel for business for my employer (XXXX); they both refused to reconsider in reinstating the loan and turning over the vehicle, both then hanging up the phone. Global Lending Service did not send a letter, no call. I have been in contact with this lender throughout the life of the loan. A substantial amount was put down on this vehicle and payments were refused by the lender when I tried to process online and during my call to the lender on multiple occasions.
05/24/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CA 922XX	Web
On XX/XX/XXXX, I was in an accident and received a citation for a XXXX, XXXX Police impounded my vehicle. I filed a claim with XXXX insurance to resolve the total loss and even offered to have the loss paid directly to the lienholder and would settle my ongoing dispute regarding balance outstanding with the lien holder after. On XX/XX/XXXX, Global Lending Services ( GLS ) without notice, " SECURED '' the vehicle and all my belongings in it, including valuable medication. They have refused to cooperate with XXXX to make the vehicle available for inspection. I was unaware until XX/XX/XXXX, when XXXX 's adjuster attempted to inspect the vehicle. Between XX/XX/XXXX, and XX/XX/XXXX, the tracking data on my car keys and the additional tracker in the vehicle has confirmed it has been moved to four different locations to prevent me or XXXX from having access to it. The vendor used by GLS, XXXX XXXX does not respond to phone calls and has yet as of this filing, provided and inventory of my possessions in the vehicle as required by Oregon law. I have had a dispute with the dealer of the vehicle as it was a washed title sale that inflated the value of the vehicle by {$5100.00} since it was purchased on XX/XX/XXXX. I informed GLS of my dispute, including documentation as well as the outcome of XXXX XXXX arbitration of the dispute in my favor to recover {$1000.00} of the money I paid directly to the lender, and asserted my rights against them as holder in due course, as permitted in my contract. Under the Fair Credit Reporting Act and the Fair Credit Billing Act, until they complete a proper investigation, that amount and any interest due can not be reported as delinquent or even collected against. On XX/XX/XXXX, GLS, delivered a non-responsive letter saying if I didn't make the monthly payment as listed they could report the amount as listed, but did not address the issue of the contract being a fraudulent and deceptive sale. On XX/XX/XXXX, right after I called them to demand their cooperation with XXXX and an explanation for their failure to address the investigation of the overinflated sale, GLS issued a default letter for {$730.00}, intending to sell the vehicle without allow inspection or claim adjustment. By doing so, they are hoping to prevent introduction of evidence of its prior salvage history. Unfortunately, A copy of the original XXXX claim to XXXX XXXX remains on file at XXXX XXXX XXXX XXXX and is continuing to be reported in XXXX as well as XXXX XXXX XXXX ' databases as of this complaint.
06/09/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	NC 28226	Web
XX/XX/XXXX I purchased a vehicle that was financed through Global Lending Services. I paid every payment on time, never missed a payment. I intended to refinance the loan for a better interest rate after six months. However, I never got that opportunity. On XX/XX/XXXX, I was in a car accident that was no fault of my own. Despite how horrific it was, I managed to reach out to insurance the next day, as well as Global Lending Services so that they could reach out to the gap insurance carrier. During that same call, I was advised to make the car payment for XXXX if I wanted gap coverage to be applied. So, I made the payment on a car that had been deemed a total loss. In XX/XX/XXXX, the insurance carrier sent a check. Global Lending Services failed to inform me that there were still fees and interest being applied to the account. They had assured me that with insurance and gap coverage, I would would no longer have a debt to them. Prior to the total loss, ALL payments had been made on time, and there was no outstanding balance. Under Section 623 ( a ) of the Fair Credit Reporting Act, it is prohibited for a creditor to furnish inaccurate information to a credit reporting agency. Because I was told that I had no more obligations, any late payments after XX/XX/XXXX should not have been reported. Additionally, Global Lending Services reached out to the gap insurer. That presented a conflict of interest, as the gap insurance check took four months to be sent to Global Lending Services. They received it in XXXX, XXXX and according to them, the loan was still accruing interest. Global Lending Services also violated the FCRA by reporting an inaccurate statement of the balance due. They also failed to notify me when they supplied the credit reporting agencies of negative information. Global Lending Services also violated 15 u.s.c. 1692d ( 5 ) and 15 u.s.c. 1692d ( d ) of the Fair Debt Collection Practices Act by causing my telephone to ring. The Unfair practices clause in the FDCA was also violated by Global Lending Services. 15 u.s.c 1692f ( 1 ) clearly states that ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. The company intimidated me by reporting information that damaged my credit worthiness reputation. The company also intimidated me into paying money XX/XX/XXXX. I am seeking resolutions to these violations.
08/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 705XX	Web
Subject : Request for Verification or Removal of Inaccurate Information on Credit report I hope this letter finds you well. I am writing to bring your attention to inaccurate information that I have discovered on my credit report. I kindly request your assistance in verifying the accuracy of the said information or removing it from my credit report. I recently obtained a copy of my credit report from your bureau and was disappointed to find discrepancies that are negatively impacting my creditworthiness. The following information is incorrect : 1. [ Specify the inaccurate information, such as incorrect account details, dates, balances, or payment history. ] I believe that this inaccurate information has the potential to harm my creditworthiness and impair my ability to obtain credit, secure loans, or receive favorable interest rates. As a responsible consumer, I feel it is my duty to address and rectify this matter promptly. In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly request that you initiate an investigation into the disputed items mentioned above. During this investigation, I request that you contact the relevant data furnishers and verify the accuracy of the reported information. Please provide me with a written report of the investigation 's findings within the statutory period of 30 days. If, after your investigation, you find that the information is indeed inaccurate or can not be verified, I request that you promptly remove it from my credit report. Additionally, I kindly request that you provide me with an updated and corrected copy of my credit report reflecting the necessary changes. Enclosed with this letter, please find copies of the relevant documents supporting my claim. These include copies of statements, receipts, or any other evidence that substantiates my dispute. I understand that providing this evidence is not mandatory, but I believe it will assist in resolving this matter more efficiently. I would also like to request that you notify all entities that have received my credit report within the past six months about the inaccurate information and provide them with the corrected version of my credit report. I appreciate your attention to this matter and your prompt action in resolving the dispute. Please provide me with a written confirmation upon receipt of this letter. Should you require any additional information or documentation, please do not hesitate to contact me. Thank you for your cooperation in this matter.
07/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32765	Web
This dealership XXXX XXXX ( located in XXXX, Fl ) is completely dishonest. They will do anything to make a sale or profit. Even if they have to lie to you. Prior to making the purchase on XX/XX/2023, my husband and sat down with their finance guy XXXX and had a chat with him prior to signing anything and prior to making the purchase. I specifically told XXXX that i'm okay with making the purchase in cash but him and the sales guy XXXX continued to convince me to apply for credit with them telling me I need to build credit and so on. I specifically asked him how my credit would be affected if I decided to go ahead with credit. I told XXXX and XXXX that I will not authorize or give my signature for a credit check if it results in more than 2 hard inquiries on my credit report. XXXX then promised me and assured me that it is only going to be 2 inquiries from XXXX XXXX XXXX and it will NEVER be more than 2 inquiries and I have nothing to worry about and that I should go ahead and sign to authorize him to do the credit check. He assured me of this over and over. I then went ahead and signed. I got home and saw 7 inquiries on my credit report. He knowingly lied and mislead me for my signature. I gave him a call and he denied it at first claiming that it's only two inquiries and I then told him that I can very CLEARLY see 7 inquiries on my credit ( from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Global Lending Services ) and only then did he finally admit it, claiming that he made a " mistake ''. A few days later, his manager XXXX explained to me how the credit check process works and it was pretty clear that he knew what he was doing and it wasn't a mistake. He just wanted to do whatever it took for me to get a loan with them so they could profit. After that, their sales manager XXXX claimed he was going to make this right and he was going to help me get the inquiries removed. A month later I told him that the bureaus just want a letter from the dealership detailing the mistake and asking to remove the inquiries and that would be the end of this entire situation. But for some reason, at that point he began to deny their mistake and began refusing to assist with the letter to remove the inquiries, and he was claiming that he thinks i'm recording him. Which is ridiculous. I don't understand why they're so worried about fixing this mistake. Why they're paranoid about being recorded even though I was not recording them. Something very shady is going on with that business. That is clear.
08/31/2023	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	MO 63303	Web	Servicemember
I've bought my car a little over 2 years ago, and have gotten my loan through the company " Global Lending ''. Whenever the payment day is approaching, usually the week before, I start receiving incessant phone calls, voicemails, one after another. Sometimes to the point that I'd get XXXX phone calls in a row. Part of my job is using my cellphone, and I can't work with my clients when they won't stop calling. My payments are scheduled either online or through an agent that has called, even though every months is due at the same day. I have conference calls everyday and multiples times I have gotten written up by my company for interruptions/ not being on the call at my usual time. I've also lost clients and had to cancel work because of this. I answer my phone during the first call, whenever I'm not working, but it's not always that I can pick up my phone. Even after answering the first call, and make sure I will make the payment by the due date, they will keep on calling me. I've asked this company to please stop calling me, my husband and my friends, because the payment is already scheduled, but their excuse is that they have another third party company that " doesn't have the same system, and don't get all the info '', so I need to pick up the phone each time and let them know I'd just spoken with an agent. These phone calls come at all different times of the day, before XXXX XXXX, after XXXX and on the weekends. I have gotten these call multiple times after XXXX on a Saturday. When I speak with these agents they seem to have no idea about what/who I talked to previously. They not only harass me, but will doubt that I spoke with agents, threatening to call my friends and have my car repossessed if I don't make sure I pay it on time. The last time they called, thank goodness I had the name of the person managing my account and their direct extension number, to prove I did, in fact spoke with them. This has caused me not only to lose money, but potential clients, as well. I suffer from XXXX XXXXXXXX and XXXX XXXX When my phone rings, whenever I'm threatened by them I have to start taking XXXX XXXX medication, have to make appointments with my doctor for treatment. I'm so tired of dealing with this for over 2 years, for talking to them and nothing being done about it. I have owned cars in the past and NEVER did I ever get harassed, nor threatened to the point that will cause me mental and financial burden like this.
03/22/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	CA 90262	Web
Today XX/XX/2022, I spoke to a collection agent by the name of XXXX and her supervisor XXXX XXXX ... And they advised me to make a payment today which was {$150.00} balance that was left over to keep my car from going into a repossession status. And we came to an agreement and I understanding that that would be done by the end of the day which is XXXX p.m. I made a payment using my checking account and call back to inform them that the payment was made, I then spoke to a XXXX or XXXX advisor of the payment and she canceled my payment out of spike and put my car into a repossession. I then call back and spoke to an XXXX and XXXX advised that XXXX or XXXX I'm not sure of her name had canceled the payment and put the car into repossession. XXXX advised me like the supervisor had before to get the payment in tonight to avoid repossession and to call back and make an extension to defer the payments. She also advised me to call before XXXX p.m. Pacific standard time which is XXXX p.m. eastern time to make the payment. I called back at XXXX p.m. Pacific standard Time and the company was already closed. I took it up on myself to do a payment by phone with my debit card because it had not been the end of the business day. And after I made that payment that's when I called back to advise them that the payment was made with my debit card and it was immediately debited out of my account. I feel like I was being harassed I also was lied to and insulted at the same time. I also feel that this company is not a buying by their legal clauses along with policy and procedures. Also when I spoke to XXXX I even told her that I was going to file a complaint against this company with the consumer financial protection bureau and she advised me that she knew what the company was and because I was threatened her with legal actions which this is not an attorney 's office for legal advice or legal lawsuit.. she began to harass me and threatening me with and repossession because of me mentioning the CFPB. I understand this is a loan company but they're going the wrong way about collecting funds for a loan by harassing, insulting, and humiliating customers to get a payment. I have looked online at the XXXX XXXX XXXX complaints in regards to this company and they have over 136 complaints for the same issues within a matter of one year. Attached you will find two screenshots of my account with the {$150.00} being paid on the XXXX to Global Lending Services
05/03/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	MO 63118	Web
XXXX XXXX is my name and I am a Federally Protected Consumer and I sent a letter to Global Lending Services on XX/XX/2022 about this Illegal Repo. This vehicle was taken without my permission and that's auto theft. This is a direct violation of 15 USC 1692e ( 4 ) - Foreclosures, Repossessions, Wage garnishment, or arrests are all illegal in the collection of any debts. This is similar to the 4th amendment. I noticed that the furnisher failed to put a notice of dispute on this account. This is a direct violation of FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Also the account is filled with errors, inaccuracies, and falsely reporting. The account has failed to notate that this is a repo, it states that it is a charge-off and that is incorrect reporting. This is direct violation of 1692d ( 4 ) - advertisement for sale of any debt to coerce payment of the debt. ( debt parking ). This means they are advertising sale of property or any means of value in order to obtain payment for the alleged debt. The advertisement or publication of a sale or selling of any debt to coerce payment is also known as debt parking in accordance with findings from the Federal Trade Commission. I disputed these inaccurate items over 35 days ago and they havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed. I sent the letter because this is fraud and illegal to Global Lending Services, XXXX, XXXX, and XXXX because I never received any documents. I was suppose to receive the Contract before the sale, Deficiency Documents, Redemption Documents, and Finance Documents. That's fraud and Illegal. I provided proof to XXXX, XXXX, and XXXX and they refused to correct information even after I provided proof. That's defamation and willful injury and grounds for litigation. This repo is Misleading and False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ). I look forward to your quick response to this matter.
01/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60636	Web
I recently purchased a car through a dealership, XXXX XXXX. A few days after purchasing the vehicle the company who financed the vehicle, XXXX XXXX XXXX, called asking about the deal, where I was informed that the down payment XXXX XXXX asked for was double what I was suppose to pay. After clearing up that issue the week continued. After a week of documentations not being handled, returning the car for break issues, coming to the location about 4 times, and calls not being returned, the dealership gave me a call and asked me to come into the location to sign a missing document. When I arrived at the location I was informed that the finance company backed out the deal because of the down payment issue. I was told by the " finance manager '' that it was my fault the company back out because of the down payment issue. After reminding the man that he was the one who told me and my boyfriend, upon signing the contracts, to bring in the additional {$500.00} two weeks later, I asked to speak to a manager in a position over him. He informed me that they ran my credit again without my authorization and I had no choice, but to either pay the new doubled down payment and higher note through another company or give them the car in a few hours. I left the dealership and called the finance company who informed me the truth. The company had backed out the deal because the company sent over a warranty with someone else 's signature not mine. I also declined the warranty upon finalizing contracts when they asked if I wanted the warranty, they still proceeded to add the warranty after I left the dealership, without my knowledge. The finance company did send the warranty part of the contract, with my disclosed information on it. Also, after deciding to go look at other dealerships. I was informed by a few dealerships that XXXX XXXX " shot gun '' my credit everywhere, adding numerous inquiries to my credit. Two dealerships would n't offer to run my credit because of the numerous inquiries. The salesman from XXXX XXXX, then called me and told me to bring in the car his manager is leaving and that " they are doing me a favor. '' The manager would not even speak to me personally when coming in to get a refund. They made me speak to a salesman who never played a part in any of the issues & contracts, who basically tried to make me settle on two more contracts. I denied both contracts and opted to deal with another company.
05/08/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	TN 37918	Web
XX/XX/XXXX traded car. Never late with Global Lending. Contacted Global Lending all was fine payment made XX/XX/XXXX for XXXX reversed with help from my bank and them. XX/XX/XXXX calls came. I contacted company got car from all was fine. Contacted Global Lending they said they would let me know. Next thing I know started getting calls called XXXX XXXX XXXX they said they have the title all was handled. I called Global Lending they stated I still owe them the money for XXXX {$570.00}. I worked with them they were looking into it. Next thing I know I am getting calls at least 6 or 7 a day. I said ok I will pay just so they would leave me a lone. I tried they said no this account is closed. You will have to send a money order, cashiers check or XXXX XXXX. I said no. They said they want the payment. I then called and spoke with another overall manager XXXX XXXX said yes they made a mistake and released the title so yes the account is closed. He said he would take care of things and call me back. I got this call and he said well we still want the money. He said send it to the XXXX XXXX XXXX I said if the account is closed how will this be applied. He said we will take care of this. He then informed me that it is going on mine and my husbands credit as delinquent payment. I said we don't owe it and the account is closed. This conversation ended shortly after. Then a tow truck showed up to repo our car. This guy was great he looked a vin and said sorry. I called Global Lending they said we owe money. This repo was sent out by collection dept. Later on in the week another repo came he backed in driveway I ran out he said pay or he is going to repo my car. I said I don't own it don't breach the peace he pulled out of driveway and said ok. I called Global Lending they said this was sent from the delinquent side. Then they started calling my work several times a day. I had this blocked and the calls at least 10 a day came on my phone now they are calling my husbands work over and over again as well as him. He is going to loose his job. It is going on his credit as well as bad credit payment history. I was always on time never missed a payment. I am trying to build up mine and my husbands after our bankruptcy. Please help fix this. I am really trying hard to fix everything. This is messing up our credit. They are leaving messages and calling constantly.
11/21/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	AZ XXXXX	Web
On XX/XX/XXXX, I went to XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, to purchase a XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX Using printouts of applicable State and Federal laws, I explained to the salesperson and the finance rep ( likely an employee of XXXX XXXX per banks ' paperwork ) that due to the process of securitization, I would submit XXXX application only, and that they only had power of attorney / permissible purpose for XXXX inquiry to XXXXXXXX XXXX because I had already been in contact with their underwriting. The dealership proceeded to breach fiduciary duty and violate state and federal law by submitting my application a total of XXXX ( XXXX ) times to XXXX separate institutions ( XXXX XXXX and Global Lending Services ), and also provided me with an adverse action letter for in-house financing, making XXXX ( XXXX ) total deposits. Global Lending Services received XXXX ( XXXX ) of those deposits, as evidenced by their own correspondence ( attached ). The dealership violated their fiduciary obligations and exceeded their powers, which resulted in the deposit of XXXX securities with principal values near {$34000.00} apiece. I was not able to view any of these applications after submittal despite requesting them. The Federal Reserve XXXX, which helped establish our current banking system, requires that all applications be approved as long as it's been accompanied by some sort of collateral. In this instance, the " promise to pay '' contained within each application acted as a negotiable instrument and was deposited at the financial institutions in a receivables account per XXXX XXXX XXXX ( g ) ( XXXX ). Since none of these applications were returned to me, and since XXXX XXXX allows for the negotiation of such fraudulent instruments, I assume these deposits were credited. As is obvious, the truck was titled in my name before being pledged as collateral within the security agreements. Due to the misdeeds by the dealership and finance rep, I was unable to perfect my security interests and therefore was forced to relinquish the property. I returned to the dealership XX/XX/XXXX because the dealership agreed to return the applications, but all I received was the photocopies of my supporting documents. As mentioned earlier, I still have not received my original instruments nor the property.
02/16/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	IN 460XX	Web
Global Lending Services LLC. I received a check from my insurance company for {$2200.00} to fix some damage on my car after a tire blew. I called Global Lending and spoke with them about losing my job, and the insurance check. I told him I didn't have the money to fix my car since there is a {$500.00} deductible. They told me if I endorse the check, send it to them, they would use part of that check to get me caught up on my payments, and cut me a check back for the rest. That way I could get caught up on rent and utilities & actually buy XXXX gifts for my grandchildren as well. In good faith, I did this and sent a letter with the check about the phone call. About a month went by without a word. I found out they had cashed the check, hadn't called me, and hadn't applied it to my balance. I spoke with them at least 10 to 20 times over 3 months explaining the check and what I was told. One conversation with them they were able to see the check, tell me the amount and the check number, and told me it was put into an account for me for when I fixed my car. I went over again that I can't fix the car & what they told me to do with the check. She told me the person over that account was not there and would call me back tomorrow. This never happened & every conversation with them is as if we never talked before. Now, as of yesterday XX/XX/XXXX, a very rude and condescending manager named XXXX, at GLS was accusing me of lying about this check and telling me there isn't a check at all. I called XXXX XXXX my insurance company, they verified it had been cashed and deposited by Global Lending on XX/XX/22 and gave me the information & account number it was deposited into Etc. When I called XXXX back to give him the information, he wouldn't take it & gave me a generic email for customer service which is something I've tried before and gets no result, and told me to send it to that email. He continued to threaten me with repo & act like I was lying about this check and was very condescending again. At this point I have sent the information to the email, and I'm waiting to see. Unfortunately, if this doesn't get resolved soon, XXXX threatened that they would come and get the car at the end of the month, and it's XXXX already. XXXX also stated that IF there was a check, they would have already applied it to what I owe and get me caught up.
06/19/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	MI 48111	Web
Global Lending Services LLC are actively reporting false debt to all 3 credit bureaus, which is a violation under the Fair Credit Reporting Act ( FCRA ). I was in an automobile accident XX/XX/XXXX, resulting in the totaling of my vehicle. I contacted Global Lending Services LLC the following morning after being informed of the auto total by my auto insurance adjuster ; informing them of the accident, along with providing them with my auto insurance adjusters name and contact information. I further inquired about my monthly payment that was still not due prior to the accident, nor at the time of the call. I purposely asked with great specification if I were required to still make payment on a car that was no longer in my possession, stating the note due date had not arrived at the time of the call. I also confirmed the prior month note payment of {$480.00} on XX/XX/XXXX. During the call with Global Lending Services LLC, I was advised NOT to make the current month payment for XX/XX/XXXX, instead information for my auto insurance adjuster was request for the payment of the car total, in which I complied. I confirmed payment for the vehicle total from auto insurer and receipt of payment by Global Lending Services LLC via 3 way conference call with both Global Lending LLC rep and auto insurance rep, along with additional assurance that my contractual obligations were terminated at the completion of the call, due to my insurance company having title of the vehicle and the totaled check amount being received by the lender ( Global Lending Services LLC ). I proceeded to purchase another vehicle and obtain /be approved for new car loan, after all credit clearances were met on XX/XX/XXXX. Global Lending Service LLC contacted regarding late payment in XX/XX/XXXX via phone. I provided the date and explained the content of my last call and further stated that I was informed that all calls were recorded and that I was informed of no further payment obligations could be confirmed via recorded calls. I was informed that they would investigate the matter and be contacted again via phone. I never received another call regarding the matter. Global Lending Services LLC are currently reporting false debt for the amount of {$770.00} car loan payment effective XX/XX/XXXX, which is a violation under the Fair Credit Reporting Act.
08/01/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	TX 78664	Web
Hello from XX/XX/XXXX - XX/XX/XXXX from XXXX until XXXX my consumer rights were violated when I visited XXXX of XXXX XXXX , not only did the sales person ( XXXX XXXX ) make me wait XXXX hours to test drive a XXXX XXXX XXXX he also discriminated against me and said to me youre lucky im even working with you with the credit score you have ( he then stated my credit credit score aloud in front of the front desk attendant and 2 other customers and on to say ) Ive been doing this for XXXX years I usually dont even deal with subprime credit like yours and this was said because I asked what was taking so long with getting the car from the back, to which I was not only offended, hurt and shocked but also aware of my ECOA rights which werent honored. I asked for the manager and the GM came to help me, he got my application for me and got me to a finance director who then gave me a loan approval and asked for {$4500.00} cash down. To which I objected and presented TILA and 15USC1605 to him and I got denied. He then asked me to use my girlfriends credit for the application on the car so I could possibly get better rates. In pursuant 15 USC 1602 The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. Credit is my right and Im the one who regularly extends credit in the connection with loans. In pursuant to 15 usc1602 g I am the original creditor and I am well aware of my rights I know that reporting to the consumer reporting agencies is voluntary this is a private transaction and an unfavorable situation to me for the consumer nowhere in the term adverse action defined within the FCRA does it mention a natural person can be denied credit. As a original creditor it is not lawful to be denied my right to grant credit furthermore my credit was used and I received no benefit from the use of my credit. An inquiry popped up on my consumer report which means someone got paid for my credit and I received no benefit from it at all in fact damages were done from the denial of my rights mentally and financially. Ive been discriminated against as there are no federal laws that state a credit score can deny me of my right to extend credit I have in good faith exercised my right and I a natural person have been discriminated against as in pursuant 15 USC 1691.
09/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MN 55422	Web
Dear CFPB, I hope this letter finds you well. I am writing to report a grave matter that has shaken my financial well-being and sense of security. My purpose in reaching out to you is to seek your assistance and guidance in rectifying a situation involving multiple unauthorized hard inquiries on two of the three major credit bureaus. If not all!! Over the past several weeks, my financial life has been turned upside down due to what I believe to be a case of identity theft. I have discovered a series of unauthorized hard inquiries on two of the three major credit bureaus, each of which has left an indelible mark on my credit profile. The following companies have made these inquiries without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These unauthorized hard inquiries have not only impacted my credit score but have also raised concerns about my personal information being compromised. I have taken immediate steps to freeze my credit and report the potential identity theft to the authorities. I kindly request that the CFPB intervenes and conducts a thorough investigation into these unauthorized hard inquiries. I am reaching out to you with a heavy heart, as I am a victim of what appears to be a deliberate act to undermine my financial stability and personal security. Please guide me on the steps I should take to rectify this situation and prevent further damage to my financial reputation. Your assistance in resolving this matter is of utmost importance to me. Thank you for your prompt attention to this pressing issue. You can reach me at [ Your Phone Number : XXXX ( XXXX ) XXXX ] or [ Your Email Address : XXXX ] if you need any additional information or documents to proceed. Sincerely, XXXX XXXX
10/09/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 30316	Web	Servicemember
I recently purchased s car from XXXX XXXX and the car loan was approved through Global Lending Service. However, contacting GLS is extremely difficult and results in inaccurate, incomplete and none resolved issues. I initially revived a call from GLS regarding a welcome call from XXXX. However, I was unable to talk for 7-10 minutes and asked for a return call but was denied a number to call them back on. XXXX stated that I needed to just dial the number that showed up on my call id. Unfortunately, unknown caller was the message received instead of an actual number. The welcome call was finally completed via XXXX a funding manager but the next issue was verifying my insurance. I provided all the information to XXXX but somehow it was not uploaded or documented as such but getting back in touch with XXXX to resolve the issue was not possible. Despite several calls and attempts I never received a return call from anyone at GLS. The problem is now making payments. The car payment is due on the XXXX ( today ) or XXXX ( tomorrow ) of the month and I have no information on how to make a payment. I called again today and was simply told by XXXX that, its my responsibility to make a payment and do what I need to do to get the information. She informed me that the application was completed at the end of XXXX ( no date was given ) which is maybe the reason why I havent received the welcome package because that takes 7-10 days after its completed. She also stated that the person that did my welcome call should have explained all of this to me. However, when I spoke to XXXX, I was told that the information would be mailed out but that was almost a month ago and I havent been able to reach him since. So please assist in obtaining the needed information to actually make payments and gathering the terms of the loan and conditions. I purchased the car at the end of XXXX and have now been trying for almost 2 months to obtain information from GLS with no resolution. Instead I get attitude from associates and the nasty snare of its my responsibility to do what I need to do but there is only so much that can be done if you dont get a returned call, dont get the information in the mail, dont know the terms of the loan and havent been provided accurate information to agree and or ask questions.
08/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27834	Web	Servicemember
I personally did not authorize or submit to any inquiry or credit check from ANY of these companies. One company was even able to pull my credit file TWICE IN two days! I never approved or even attempted to have my credit pulled bc at the time I was highly financially affected by covid-19. From immediate family to extended family to myself. There was no way I could afford any big purchases that required credit pulling. I'm asking that ALL of these inquiries be IMMEDIATELY removed from EVERY CREDIT BUREAU due to fraudulent reporting and sensitive information misuse. This includes XXXX, XXXX AND XXXX. This is immoral and illegal. I never spoke to these people, never met these people, let alone give out MY SOCIAL SECURITY NUMBER for items or services I KNEW I could not afford or maintain. This is an EXTREMELY URGENT matter that needs to be taken VERY SERIOUSLY. I am willing to proceed under a court of law if necessary. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX Request OriginatorXXXX XXXXXXXX XXXX XXXX XXXX, XXXX CompanyXXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Request OriginatorXXXX XXXXXXXX XXXX DateXXXX XXXXXXXX, XXXX XXXX AddressXXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX DateXXXX XXXX XXXXXXXX CompanyGLOBAL LENDING SERVICES, XXXX. AddressGLOBAL LENDING SERVICES, XXXX, XXXX XXXX, XXXX, SC XXXX DateXXXX XXXXXXXX, XXXX CompanyXXXX XXXX AddressXXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX DateXXXX XXXX XXXXXXXX XXXX XXXX AddressXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX DateXXXX XXXX, XXXX CompanyXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX DateXXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX DateXXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX DatXXXX XXXX, XXXX CompanyXXXX XXXX XXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX Request XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CompanyXXXX XXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX Request XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Request OriginatorXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX
02/06/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	MO 63136	Web	Servicemember
On XX/XX/XXXX, I entered a consumer credit transaction for a car. This company has violated many of my rights as a federally protected consumer under Title 15 Chapter 41. According to 15 USC 1692g, Validation of Debts, this company failed to put in the initial communication ( contract ), the five ( 5 ) contents of debt listed in in the law, and they failed to send me a written notice with any of the following contents within 5 days. Only other reason they would fail to do this is if the debt was paid for. My failure to dispute the validity of the debt can not be misconstrued as admission of liabilty of the debt but allows the debt collector to assume its valid and I understand this. Therefore I disputed the debt with my Debt Validation letter that I sent the on XX/XX/XXXX, certified mail with a return reciept through mail. Certified Mail Reciept # XXXX. Return Reciept # XXXX. Along with this letter, I sent a Cease and Desist letter requesting them to zero out the balance on the account, to grant me my title lien free, to pay the attached invoice, and deletion from all consumer reports, and other important imformation ; an Invoice for {$21000.00} for 10 violations of my rights as a federally protected consumer. This price included {$10000.00} for they are liable to pay me, according to 15 usc 1692k, civil liabilty and the {$11000.00} was for the amount of money they've collected from me over this alleged debt, that if a debt is disputed, they must return all payments pursuant to XXXX5 USC 1692h, multiple debts ; and an Affidavit of Truth signed and notarized, stating violations as facts and sent proof along with it to state my claim. No where in the contract does it give this company permission to furnish credit information on my behalf, which is FRAUD. " Fraud vititates the most solemn contracts, documents, and even judgements. '' [ U.S. vs. Throckmorton, 98 US 61 ]. The company also continued to contact me and report credit information on my behalf after recieving my documents on XX/XX/XXXX. The company responed to me on XXXX XXXX, XXXX and I recieved the letter on XXXX XXXX, XXXX with a copy of my contract, a chart of all may " late payments '' and a statement telling me that they are required to report my credit information and can not removed them.
08/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA XXXXX	Web
I have these items and i want them to be removed from my credit. 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 5. Identity Theft GLOBALLEND Date of inquiry : XX/XX/XXXX This is not mine. 6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 11. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 12. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 13. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 14. Identity Theft GLOBALLEND Date of inquiry : XX/XX/XXXX This is not mine. 15. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 16. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 17. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 18. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 19. Identity Theft GLOBALLEND Date of inquiry : XX/XX/XXXX This is not mine. 20. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 21. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 22. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 23. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 24. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 25. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 26. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 27. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 28. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 29. Identity Theft XXXX/XXXX Date of inquiry : XX/XX/XXXX This is not mine.
04/01/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	CA 934XX	Web
I was in a car accident on XX/XX/XXXX. My car was deemed a total loss. I followed all protocol and informed the lender and all insurance companies. Global Lending Services LLC was the lender. They were paid {$19000.00} by the insurance. There was a remaining amount of {$6400.00} in which my GAP insurance coverage would be covering. Global Lending contacted the GAP Insurance on XX/XX/XXXX to inform them of the remaining balance owed. The GAP insurance paid the remaining amount owed in XX/XX/XXXX. Despite the fact that the total amount would be covered by my insurance as well as my GAP coverage. Global Lending Services says I have an outstanding balance of over {$1400.00} ( they have since changed the amount to {$2000.00} ) for car payments from XXXX to XXXX. I do not own the car and it was totaled during the months they claim I owe them a payment. THE ENTIRE LOAN AMOUNT HAS BEEN PAID OFF BY INSURANCE, thus there is no loan to even make payments toward. The three car payments would go to directly profit Global Lending. It was confirmed by supervisor XXXX that the loan amount was {$0.00} and the three payments would not go toward that loan as insurance paid the loan in its entirety. The company is just trying to profit off of my misfortune. Due to the fact that there was a three month lull in which the GAP insurance did not pay they are extorting me for these car payments for that three month period. I am not responsible for how fast or slow the GAP insurance made the payment. Again, the loan was paid in full but they are still threatening to report me for not paying three car payments in the time that they awaited GAP 's payment. I agreed to pay the interest amount on the loan amount owed by GAP ( approx 6k ) but Global Lending will not accept that. They want three full car payments although the car was totaled and the loan amount is at a {$0.00} balance. They are threatening to report me to credit agencies and extorting me for these payments. They claim they will cease action if I start to make payments and will back date the " paid in full '' status to XX/XX/XXXX when I got in the accident. This alone shows they are not entitled to these payments and are willing to " work out a deal '' for money they are not owed.
11/24/2023	Yes	Vehicle loan or lease Loan	Repossession Deficiency balance after repossession	NV 89122	Web	Older American, Servicemember
I XXXX XXXX XXXX several letters to the kia motors corporation especially when I recieved the 3 recall notices due to the air bag chip malfunction this is why all 3 accidents the air bags dud not deploy and I could have XXXX been killed also the 2 recall notices due to the key fob locking devices nit locking the car properly and they the kia motors corporation XXXX the nerve to reject my letters I sent to them concerning the accidents and the XXXX bags not deploying when they sent me a letter about the air bag chips not working properly and these XXXX XXXX XXXX which u had a totally unsafe car XXXX XXXX XXXXXXXX which I Also have been harassed by the lean holder XXXX XXXX XXXX which they have the unsafe car now and I don't know if they are re investigating this with the XXXX XXXX XXXX or not. I have been stressed out over 8 months since that accident with this unsafe car XX/XX/XXXX which was not my fault plus XXXX XXXX XXXX the lean holder of this piece if trash vuchle have the same XXXX recall notices with the total loss dept again I not only want that XXXX XXXX dollar bill eliminated which XXXX XXXX XXXX are trying to make me pay or else my credit will be all screwed again is this the way to treat a XXXX XXXX XXXX XXXX veteran. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX veteran on a fixed income I want justice. I want you people to be on my side and assist me in suing kia motors corporation over the un safe car that was sold to me XXXX by XXXX XXXX if XXXX XXXX CA And I also want loss wages because I was working fie the XXXX local XXXX stage hands XXXX XXXX XXXX which I had to take myself off the roster as a electrican tech concerts and convention contracts on the XXXX XXXX XXXX because I lived too far to make the calls and I lost over XXXX in working contracts. I also want the kia motors corporation sued for pain and suffering and I know that there are millions of people suing kia and hyundai motors fir these screwed up cars that sre nit only un safe but easy to steal especially the one I had. My new address us XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX nv XXXX my cell no is XXXX my email address is XXXX thank you for your assistance
01/24/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	IN 464XX	Web
The morning of XX/XX/2022 Global Lending Services behest XXXX XXXX and XXXX XXXX, to repossess/steal my property my automobile from in front of my place of abode. Pursuant to 15 USC 1692f ( 6 ) ( A ) ( B ) ( C ) Unfair Practices. Global Lending Services used unfair and unconscionable acts to have my vehicle repossessed. This towing company is an uninterested party who was not there during a private consumer credit transaction! I XXXX XXXX, original creditor, and natural living breathing person have sent Global Lending Services 3 Affidavits, 3 cease and desist letters, along with a debt validation letter. Global Lending Services did not rebutt neither of the three affidavits I sent, Global Lending Services honored half of my cease and desist stating they would stop calling but I would still have to pay this alleged debt, violation pursuant to 15 USC 1692b ( 2 ). When I the natural person requested for debt validation Global Lending Services sent me statement history pursuant to 15 USC 1692g the 5 items required by Congress for a debt collector to send does not mention a payment history. Global Lending Services failed to produce these documents they are not liable. I do not have a contract with Global Lending Services neither with the towing company Global Lending Services sent to my place of abode to steal my property without my knowledge or consent. I did not personally give Global Lending Services nor the XXXX XXXX sent by Global Lending Services my personal information which is a violation of my privacy from both companies pursuant to 15 USC 1692 ( a ) Abusive Practices as well as 15 USC 1681 ( a ) ( 2 ) I have denied these alleged obligations of this debt to both elaborate mechanisms and will be holding both companies accountable for causing such emotional distress to not only myself but as well as my family. The automobile was the only means of transportation for family purposes, doctor appointments, school, and other household purposes we have missed due to these illegal actions. This illegal act has caused XXXX, trouble sleeping, embarrassment, Ive also lost confidence is the banking system. I am holding Global Lending Services accountable for violating my consumer rights
06/26/2021	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	WI 535XX	Web
I have had this car loan since spring of XXXX. I have made every payment before it was due except one month missed and partial payment one month a year ago. I was told that due to the pandemic they understood and it wouldnt affect me in a negative way. My billing due date is the XXXX of each month. On Friday XX/XX/XXXX ( my birthday ) I went to leave to make the payment and my car was gone. They said they repossessed it because I was 90 days past due. I called and made a payment of {$1000.00} ( over {$700.00} in random fees not put towards my loan ) plus the fees at the towing company to get my car back and cooperated with paperwork and they still put 2 months deferral on the back of it. I checked my credit report for an apartment application and they have me as not paid every month for the entire last year. I went on the GLS website to print my payment history and even for XX/XX/XXXX it still said past due after I had given them everything they asked for! Because the phone rep didnt charge me an extra penny they reported an outstanding balance. Nobody told me this was affecting my credit. All I want is for my credit reports to reflect all of the months that I paid and that it was before the due date. This loan has demolished my credit score and is affecting me being able to even rent an apartment. I already knew the interest was high but after doing my research this company has a habit of giving consumers such as myself false information about loans, putting most of the payment towards the interest not the loan, and then reporting it negative to repossess and resell the cars at action and still request payment from the lendee. This company is a scam and I would like to have my credit reports show every month that a payment was made as in good standing. 1 1/2 missed payments during a pandemic is NOT a reason to sabatoge someone whos consistently paid the bill. I have disputed the negative marks with all three major credit reporting companies. I have filed a complaint with the XXXX XXXX XXXX. I am stuck in this loan now because they hurt my credit but I will contact as many people as needed to get this resolved. I can not be homeless over a car loan that I paid. It is unacceptable.
01/20/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease High-pressure sales tactics	TX 76549	Web
At the purchase of this car and subsequent loan on XX/XX/2022, I was promised repairs that did not happen, twice. At the test drive there was pulling at the steering wheel and a jerk when you accelerate. The salesman said they can fix these issues because it still has to go through servicing and it could been done then. I waited 4 weeks and was called to pick up my car. During those four weeks I was contacted by the loan company and I let them know I did not have possession of the car and it was being repaired. I asked the dealership when the car was to be ready and for my contract paperwork and disclosures. They kept telling me in a few days and to tell the lender I had the car since it was already paid for. Naively I did yet no repairs were made in those 4 weeks. I was called to pick the car up in XXXX and I immediately called back to tell them the issues were still the same nothing had been fixed. They told me to drive back another hour the next day to bring the car back. I did and the car sat for another month and I was finally called and told that I would need to go to a XXXX dealership and use my warranty for the repairs I was promised at the purchase! I as very frustrated at this point because it was my first car and I paid {$22000.00} and {$5000.00} down to make sure my family had reliable transportation. So I contacted their corporate office and received a call from a manager to come in and exchange the car. When I came back, again, I looked at a car I loved, credit was ran, again, and I sat and waited to be helped. I arrived around XXXX XXXX and sat there until XXXX. Salesman started to leave for the day. I had my family of XXXX with me so we stepped outside to let the restless children run around. The manager came out to ask if we needed something or had been helped. I explained to him and he told me I was upside down and they couldnt do anything. That was it. After all of that, he told me nothing could be done. Additionally, no disclosures were sent to me. According to the truth in lending act I should have 2 copies of disclosures sent to me after purchase to know my rights. The dealership fraudulently secured my purchase.
07/18/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 75028	Web	Servicemember
I have a current car loan out through Global lending services since XX/XX/XXXX when I purchased the used car. I have kept up with my payments every month. Regarding a payment made on XX/XX/XXXX I paid my full months balance of {$410.00}. This payment was due on XX/XX/XXXX which there is a 15 day grace period which this payment was in. I just aid with my XXXX XXXX XXXX debit card and have a confirmation number from global lending services website where I make payments. The payment also posted on XXXX XXXX XXXX end on XX/XX/XXXX. Didnt have any issues with all that til now. NowXX/XX/XXXX global lending services says my bank reversed the payment from XX/XX/XXXX and I went through my whole account dating back to when I first purchased the car XX/XX/XXXX and that payment was not reversed. Its posted on XXXX XXXX XXXX end and I can print those transaction details. That payment was made to global lending services, and they wont hold my account or anything til we can get this resolved. They just put the payment back on my account no questions asked, and now claim Im 31 days past due which will effect my credit score Ive worked so hard to keep up. Ive paid them religiously and this wasnt something I agreed for XXXX to do and I didnt hear from GLS about that payment. They just put it on my account and XXXX XXXX my credit because they did something and cant show proof anyone asked for those funds. I asked for some kind of notification the bank requested those funds, they said they have nothing like that, that they only have my payment history with them that shows that payment is reversed. Thats not helpful I want to know who said I agreed to let that payment reversed. This is just another way for them to XXXX people out of more money. This needs to be resolved with my payment being put back on my account and my credit history and payment history unaffected. Ive also included the screen shot of the page and confirmation number for payment to GLS, Breakdowns and statement views of around XX/XX/XXXX as well as recent screen shot of recent activity on my account to show I have not received that payment back from XXXX. This needs to be fixed quickly.
12/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30016	Web
Dear Consumer Financial Protection Bureau, I am not a credit doctor ; I am a natural human being, and a consumer who understands his rights in accordance with the Fair Credit Reporting Act, and the Fair Debt Collection Practice act. I am contacting you regarding Global Lending Services LLC, disputing inquiries they placed in my credit file that I am a victim of identity theft, and they were to block any fraudulent information they provide to the credit bureaus. In my correspondence with Global Lending Services LLC, my letter included my request for validation and deletion of the inquiries, and I enclosed sufficient proof of identity and relevant documents to verify who I am, and that I am a victim of identity theft. My initial letter sent certified mail ( XXXX XXXX XXXX XXXX XXXX ) on XX/XX/2022 and XXXX letter by U.SXXXX mail dated XX/XX/2022 which was my last letter to Global Lending Services LLC. I emailed them information XX/XX/2022, after speaking with XXXX of their representative on XX/XX/2022 ( XXXX ext. XXXX ), which was the last communication of any sort with Global Lending Services LLC. I received XXXX letters from Global Lending Services LLC, both dated XX/XX/2022, XXXX months later, which is well outside the time allotted to respond to consumer disputes according to the FCRA. Global Lending Services LLC has not provided any information I requested neither have they provided competent documentation bearing my signature, nor have they provided any relevant documentation. As a consumer Global Lending Services LLC is violating my rights, including but not limited to 15 USC 1681b ( c ) Fair Credit Reporting Act : Section602 ( A ) my Right to Privacy Section604 ( 2 ) Furnishing information Without Written Instruction Section 605 ( B ) Not Blocking Information on my credit report that is fraudulent Section 611 Not responding/ completing an investigation within 30 days Defamation Negligent Enablement of Identity Fraud Violation of Fair Credit Reporting Act Supporting documents related to this complaint are attached and uploaded to CFPB website as of the date of this communication. Sincerely, XXXX XXXX, XXXX.
05/29/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CA 94124	Web	Older American
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX California. The purchase price was XXXX. I had a mechanical issue with the vehicle on or about XXXX of XXXX, and made an appointment to get it taken care of, because supposedly the vehicle was still under warranty. The morning of the appointment, I waited out front of the building until my appointment time, and it appeared that the building was not open, so I went inside of the building, and was told that the dealership was closing as of that day, and the employees were just finding out. Later I see on the news that they were being sued by XXXX XXXX over fraudulent loans. Mind you that I had purchased a vehicle from XXXX XXXX in XXXX and had to file BK and the car was part of that filing. The BK was discharged, because one of the major creditors would NOT sign off on it, and took 6 months to say it. When the BK was discharged I called the lender to see if something could be worked out to resume payment, and was told I would have to pay the balance in full. I am now being sued for the balance of that vehicle because it was repossessed. The day it was repossessed, I went back to XXXX XXXX to get another vehicle, and got the one I have currently. Due to a massive loss of income due to Covid-19, I was falling behind and called the current lender ( Global Lending Services ), to see what arrangements could be made, I was told I could skip one payment, and they would place it on the back of the loan without penalty. I agreed to do that, and made the payment for the following month as scheduled, and found that they were charging a late fee and were not honoring the agreement over the phone, when I spoke to a representative, they couldn't explain what was going on, I asked to speak to a supervisor, was transferred to another representative after being placed on hold for 45 minutes, when they couldn't explain it, I asked to speak to a supervisor, and after being placed on hold for another 30 minutes, was disconnected. I am certain that there is some racket going on with XXXX XXXX and these lenders, I just don't know what it is. Please look into this matter.
11/30/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	TX 76002	Web
On XX/XX/XXXX, I reached out to Global Lending Services ( GLS ) in order to obtain documention regarding the wrongful repossession that they conducted on my previously owned vehicle. Global refused to do so. In addition, I requested a detailed backup of all information they are claiming is still owed on this loan that they have refused to provide. To provide the history of their wrongful practices, it is important to note that on XX/XX/XXXX, GLS sold my vehicle at auction without providing me any notices whatsoever and did not provide me any right to redeem in that process. Instead left me without any means of transportation for work and ultimately cost me my job. Prior to this all occurring, I had been in direct contact with the GLS customer service department and had been informed that they would be working with me since I notified them that I was having mechanical issues with the car and needed time to get payment to them due to the unexpected costs of repair. Instead they sent someone to the repair shop to repossess the car with out any communications and without the 10 day written notices that is to be provided as indicated in their sales/finance agreement executed in XX/XX/XXXX ( sections d, e and f ) not excluding any other consumer rights or remedies allowed by Law. I am asking for your assistance in obtaining the documents I have requested so that I can determine the best course of action with this now unsecured creditor and also to report their unethical business practices. These documents are : All notices that should have been provided to me prior to the repossession and after ; The Bill of Sale for the Auction that I was never informed of that occured on XX/XX/XXXX ; and the Release of Lien that occured when they conducted that sale including a full accounting including a amortization schedule of all payments applied to the note from origination. They informed me today, XX/XX/XXXX, I would be provided the documents I was requesting is if I paid off the deficiency balance ( that is now considered an unsecured debt ) which is what lead me to reach out to your agency for assistance.
11/17/2022	Yes	Vehicle loan or lease Lease	Getting a loan or lease Confusing or misleading advertising	PA 18017	Web	Servicemember
Purchased a 2017 XXXX XXXX XXXX with the organization XXXX XXXX located at XXXX XXXX XXXX XXXX XXXXXXXX NJ in XX/XX/202. VIN # XXXX I was provided XXXXXXXX XXXX when the car was sold. A little over 1 yr I was in a minor finder binder when my car was hit by debris ( tire thread ) which caused some minor cosmetic damage to the vehicle. When I took the vehicle to be repaired the auto collision that my insurance provider recommended began to do the repairs they discover additional damage that was not done by my accident on the other side of the vehicle that they considered irresponsible of the dealership to have sold me an unsafe vehicle. The reinforcement bar as well as other structural components of the car which is designed to crush in a specific manner to ensure the occupant is safe in a crash was compromised from the previous impact to the front end. The reputable collision center specialist opinion said that the vehicle would have not been able to sustain another impact in that era. " Good morning XXXX, Attached is a copy of the estimate on the additional damage that you authorized us to repair on your vehicle. I looked over the XXXX you sent me and there was nothing about recent front right damages. Your car was involved in two accidents with the original owner, left front and right rear side. It looks like they sold or traded the car in after the second accident. Somebody had to have replaced only the front bumper cover in an effort to hide the additional damage to the inner components and right headlamp. I would start with questioning the place where you bought the vehicle. We still have the damaged parts that we replaced. We could put them in your trunk if you like plus we have photos of everything as well. Please feel free to call me if you need to. I will be happy to help you in any way I can. Sincerely, XXXX XXXX XXXX State Licensed Appraiser # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone # XXXX XXXX Fax # XXXX Shop Hours Monday to Friday, XXXX to XXXX We repair ALL makes & models. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX
07/31/2021	No	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	CA 94509	Web
Global Lending Services is accusing of me being in default on my car loan. I have not missed a payment this year. During XXXX, I asked Global Lending Services to work with me for a payment reduction and for an interest rate reduction but they refused because they said I signed a contract for the current interest rate. I have tried to get another loan but because of the interest rate the vehicle is upside down. They have harassed me for late fees. My due date is on the XXXX of every month and I have made my payments. They do not respond to my request or concerns. I also asked them for time for me to research my payments from the bank. They are threatening me that the last day for me to pay the past due amount of {$1900.00} is on XX/XX/XXXX. I have been sick and unable to respond to a letter that I received a couple of days ago dated XX/XX/XXXX. I visited my bank a week ago and asked for payment verifications. I am continuing to reconcile payments since XXXX and it is taking me longer than expected. When I purchased the vehicle the dealership informed me that I would be able to refinance the loan but Global Lending Service has denied that was ever an option once the contract was signed. Since my experience, I have researched and reviewed comments online about GLS. XXXX : XXXX. This is very upsetting. Were my payments processed and not applied to my account? Were my payments lost? There is a refusal to acknowledge that the payments have come in on time. https : XXXX I have made all of my payments on their website this year and have not missed a payment. I don't know what the problem is. GLS is threatening to charge me for the value of the vehicle due to the high interest rate of the loan. How many consumers GLS done this to? This is not fair to me and is a violation of my consumer rights. I purchased this vehicle in XXXX and have been in communication with GLS almost everyday because they call me everyday. Why they are harassing and threatening me is a violation of my civil rights ; has caused me undue stress and harm. Is this a common practice with GLS?
04/15/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	PA 16823	Web
I purchased a XXXX XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX in XXXX, XXXX My wife and I traded her XXXX XXXX XXXX in on the XXXX XXXX Total payoff for the XXXX was {$5500.00}. XXXX The dealership gave us {$4000.00}. We also put down {$500.00} as well. The purchase price for the XXXX was {$26000.00}. The loan interest rate is 14.95 % so it cost {$15000.00} in interest payments for the life of the loan which is 72 months which brings the total amount financed to {$44000.00} for the vehicle.The payment for the vehicle is due on the XXXX of every month. Global lending services starts calling me and my wife by the XXXX of the month every month XXXX times a day sometimes more. They have went as far as calling our next door neighbors and threatening my wife that she had no rights and they could do so as it was legal. Upon having the vehicle for less than a year XXXX was forced to issue a recall on the transmission due to a software error that caused the engine to stall and increasing the risk of crashing. I had made several attempts to get the vehicle in and have been told that service departments are backed up. My wife was on her way to work on XXXX XXXX when a vehicle went to merge into her lane without seeing her causing my wife to slam on her brakes which caused the car to shut off which locked the steering and she was almost hit by a semi truck behind her as well as XXXX beside her. Thankfully both semi truck drivers avoided her by XXXX knifing their vehicles in the middle of the interstate. My wife is terrified to drive the vehicle now due to the constant issues with the transmission causing the engine to stall as it has happened a total of 7 times. I went to trade the XXXX in on something else and am told the pay off for the XXXX is {$30000.00}. This company is a predatorey loan company as they refuse to reconcile the loan terms or anything besides constantly having different employees call my wife with different dollar amounts due even if the payment is on time. I have all original loan documents as well as statements from neighbors of the harassment.
06/01/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	TX 76039	Web
XX/XX/23 visited XXXX auto sales to see a XXXX XXXXXXXX listed for {$28000.00}, started the application to finance the truck, sign documents and was asked to get insurance and the truck could be picked up Monday XX/XX/23. The truck had a check engine light and was told by XXXX from XXXX it's a small thing, the part has been ordered you'll have to bring back the truck and we will fix it. XX/XX/23 purchased insurance and sent it over to the dealer. XX/XX/23 arrived at dealer to pick up the truck, was asked to sign some more paperwork to be able to leave with the truck, upon getting in the truck and turning on, the check engine light was still on, I asked to reassure that it will be fixed and was told to bring it back on Thursday XX/XX/23. XX/XX/23 returned truck to begin repairs. XX/XX/23 picked up truck after being repaired, asked to speak to XXXX XXXX about some of the finance, the contract that we received shows the amount financed XXXX we were told that we should get a call from XXXX when she became available but did not hear from her the rest of the day. XX/XX/23 check engine light came back on, contacted the dealer again to inform that the check engine light came back on, XXXX told me to bring the truck back on XX/XX/23 to reassess the situation. XX/XX/23 brought the truck back over to get it checked, ask to speak to XXXX XXXX once again since we have not received a call from her, we were told the she was busy and would receive a call from her later, did not receive any call from anyone at the dealer. XX/XX/23 arrived at XXXX auto sales to ask to unwind the deal since we were having problems with the truck, was told by XXXX that she would not do this and if she was to take the truck back it would be a reposition and it would hit my credit, every business day there after have ask to unwind or flat cancel the deal, contacted the bank to ask to unwind the deal and been told that XXXX auto sales will not unwind the deal. XX/XX/23 still do not have the truck, have asked nicely every time to flat cancel the deal and have been told no every time.
06/18/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	WI 53216	Web
I requested a deferred payment due to the COVID pandemic for the months of XXXX and XXXX. When I requested the deferment in XXXX i was initially told no because previous over payments had been held, and rather then be applied to the principal thus reducing some interest, they waited and applied it as a regular payment when the regular payment became due in XXXX. I requested the deferment BEFORE the payment was due and had asked why the over payment amounts had been held and either not applied to the principal or returned to me. This was never addressed. After several calls I was finally able to secure a deferment for XXXX. I was told I could not request another deferment until the next payment became due. In XXXX when I called an requested a deferment I was told no. I was told that the company had decided ( with no notifications made to any one ) that they were no longer allowing deferments due to COVID. I was then told a deferment can only be requested after making 6 consecutive payments. From this point the company calls me multiple times a day using an auto dialer. When I answer the phone the call immediately disconnects without anyone saying anything. I have gotten as many as 4 calls per day of this nature. There is absolutely no reason why I should be treated in this mannor. I made full consecutive payments per the terms of my loan for the first year with no problems. I have attempted to work within the terms of the loan and keep in constant contact with the company. I have made the appropriate requests to keep the loan in good health while making adjustments in my employment due to a worldwide pandemic. The fact they at no time attempted to communicate any programs that were available when they became available so people could take advantage before making a decision to halt the program is ridiculous and deceptive at best. To then add my primary number to an auto dialer as if my account is in default is disgusting behavior. I desperately need assistance in dealing with this institution in maintaining the health of this loan.
07/21/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	OH 45373	Web
I purchased my vehicle on XX/XX/23. It was financed through Global Lending Services. My payments were due on the XXXX of every month starting on XX/XX/23. I made all of my payments early on XX/XX/23, XX/XX/23 and XX/XX/23. My vehicle was hit by another driver on XX/XX/23. The other drivers insurance company informed me on XX/XX/23 that they were totaling the vehicle. They told me they requested a 10-day payoff amount from Global Lending that same day. My next payment was due on XX/XX/23. Per Global Lendings website, You are allowed one due date change during the life of the contract. The account must be current with a minimum of one full payment posted and the new due date can not exceed 14 days from the original due date. I called Global Lending on XX/XX/23 and asked to change my due date to XX/XX/23 as I had met the qualifications of my account being current and had 3 full payments posted. This would allow time for them to receive the payoff from the insurance company. They refused to change the due date. I explained the situation. I was informed that I would have to continue making payments for up to 60 days while they dealt with Gap insurance. I informed them that there was no Gap insurance involvement as the insurance company was paying off the loan in full. I did not pay the payment that was due on XX/XX/23 because I knew the insurance company was sending payment in full. The insurance company sent payment on XX/XX/23. I have the tracking information from XXXX that shows that payment was received inside their office on XX/XX/23. Global Lending has not yet applied this payment to my account. They keep harassing me via phone, email and text message demanding payment. They continue to add late fees to my account. I believe this violates the Fair Debt Collection Practices Act. Every time Global Lending contacts me, I have told them that the insurance company sent payment in full on XX/XX/23 and there is no Gap insurance involvement. They continue to tell me that I need to keep making my monthly payments for up to 60 days.
12/29/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	CA 92392	Web
I purchased the car and since very first day I was mislead with price it was not posted on the vehicle. Contract was misleading representation, it was false ad deceptive, unfair methods of competition, I was required to give a downpayment when it is not required when a credit S.S has being processed or checked. I was charged more apr than they were suppose to have charged and XXXX charges as well. Finance company audited the dealership and was forced to cancel the first contract and prepare a new one in which dealership didnt notified me nor asked me to come in to the dealership to sign a new contract with changes. I received by us mail the new contract w proof of check of difference send to finance company and they mailed me another check for there over charge w the XXXX, I called XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX about the matter several times w in the month, no one was interested, untilXXXX XXXXXXXX it was a Thursday and Friday before the car was repossessed on XX/XX/XXXX they hurried and got the car repossessed because I threatened to sue for fraud and defamation. I told them the car was mine and I didnt have an obligation to pay since contract has no wet signature from me the living person with a soul I am XXXX XXXX XXXX the beneficiary l want my security back ( car ) XXXX XXXX XXXX back asap as they frauded me and stold my car. No one from global lending called me nor reached out to me until two weeks later letting me know my security was to be sold in auction on XX/XX/XXXX. Giving me less than a week to try and solve this matter, No one from repossession company has contacted me to allow me my personal belongings nor where they are located. I have been treated unfairly and inhumane under title 15 truth and lending act, I have been frauded and mislead as well. I also do not have any contract or written statements with the third party company repossession company nations recovery services inc, nor have I consented to them stealing my car security. I want my car back and i want the auction to be stopped
04/12/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CO 803XX	Web
Global Lending LLC has been fraudulently reporting my account as delinquent to major credit bureaus, disallowing me to be approved for a mortgage, to refinance my auto loan elsewhere, or to purchase another vehicle. I have not been delinquent in several months, and currently have a credit with them for overpayment toward my principle. I have emailed and called Global Lending and have yet to receive a response from them. I called them again today to have this fix this error, and they said they will " get back '' to me next week via telephone. Reporting incorrect information to the three major credit bureaus is illegal and fraudulent ; they appear to be doing this so that I unable to refinance elsewhere. Global Lending is also fraudulently applying my principal payments toward my interest balance, despite having zero finance charges left with them. Furthermore, upon reviewing my Principal and Interest statement provided by Global Lending, I have been fraudulently over charged our contracted and legally binding finance charge of {$9300.00}. My total contracted finance charge is {$9300.00}. I have paid {$9300.00} total in finance charges, as per the Principal and Interest Statement provided by Global Lending. They have currently overcharged me {$69.00} in finance charges and did not apply this amount to the principle, in direct violation of our contract. When I asked them about this today, they calculated the math incorrectly, stating that I have paid a total of {$9300.00} of finance charge, in direct opposition of their own accounting statement. They are fraudulently adhering to their Loan Amortization Schedule instead of the actual payment they have received and are fraudulently stating my pay off amount to reflect the Amortization schedule rather than the actual amount. I have attached my contract with Global Lending, the Loan Amortization Schedule, and the Principal and Interest Statement. My mortgage lender can provide you with the fraudulent delinquent reporting by Global Lending at your request.
04/18/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	MI 49442	Web	Servicemember
Customer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Team XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX and XXXX XXXX XXXXXXXX XXXX XXXX, MI and XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX : Misappropriation of Settlement Funds by Global Lending Services LLC and XXXX debited my personal XXXX XXXX XXXXXXXX XXXX XXXX checking account without my permission did not applied monies to car loan principle/balance. I, XXXX XXXX XXXX XX/XX/XXXX received Settlement Offer by XXXX XXXX XXXX {$15000.00} accepted by Global Lending Services LLC Settlement agreement on XX/XX/XXXX. Global Lending Services LLC unauthorized ( did not have permission ) debited my, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX checking account removing {$12.00}, XXXX of monies that I received as a settlement offer from XXXX XXXX XXXX for the Totalled Loss car, but did not applied monies to principle/balance. Global Lending Services LLC did not applied unauthroized debited monies of {$12.00}, XXXX to principle balance owed on Totalled Loss Car, neither did not applied to payment balance either. Global Lending Services LLC did not applied GAP and Warranty coverage is bundled into loan amount at dealership signing of GLS paperwork signing. Global Lending Services LLC and XXXX XXXX XXXX refused to release this totalled Car I did request to be towed to my personal residence at XXXX XXXX XXXX XXXX MI XXXX. Global Lending Services LLC said No, told me that after the XXXX Adjuster goes to do his investigation and determines the car totalled loss whatever the SELLING PRICE or JUNK PARTS will be deducted at the end from the balance owed on the totaled car loss balance this never happened either. I need your help with justice, I am being threatened with Wage garnishment by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX for balance of Totalled Loss Car {$21.00}, XXXX, Please help me clear this matter up my credit is being affected by these oversights. I owe ZERO balance
11/17/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	WA 98102	Web
I purchased a XXXX XXXX XXXX from XXXX of XXXX on XX/XX/XXXX for the sale price of {$18000.00} I put {$3000.00} for a down payment and financed {$17000.00} through Global Lending Services. This would make my monthly payments roughly {$500.00}, to which I agreed to pay. According to their records I missed my payment for XXXX. I put {$3000.00} down which would have been my payment. They also show that I missed my payment in XXXX, this too is incorrect. COVID-19 hit the US in XXXX and I lost my job, I reached out to them and received a 1 month exception that allowed me to miss the payment and it would be added to the end of my loan. I made the next few payments but then after being out of work for a prolonged period of time I began to struggle financially. When XXXX came I was behind 2 payments, or {$1000.00}. On XXXX XXXX I was t-boned by someone who ran a stop sign. I had my car towed to a body shop to get an estimate on repairs. A few days later the insurance company would take possession of the XXXX and deem it a total loss. While the investigation into the crash was ongoing, I made my XXXX payment as scheduled. After the investigation was concluded Global Lending Services was issued at check for {$14000.00} on XX/XX/XXXX by XXXX XXXX XXXX. Assuming they received the check a few days later in XXXX wouldn't that count as a payment? Also I didn't have the car I shouldn't have to pay for something I don't have, right? GLS continued to hold me responsible for the XXXX until they wrote off the account in XXXX. Because of this my XXXX insurance only paid {$370.00}. I still don't know why the account was closed so quickly without getting the chance to pay it off. I'm not disputing that I owe for those missed payments but they are saying I owe {$3800.00}, which is more than double what I think it should be. I have written them trying to get some explanation and all they did was send me a copy of my payment schedule that shows I missed XXXX and XXXX. But like I said I didn't have the car and they were issued a check for it.
02/16/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	DE XXXXX	Web
My husband and I purchased a car in XXXX brand new and were financed through a company called Global Lending Service based in South Carolina. In XXXX of XXXX, our city was hit by a tornado and several trees were struck down. One tree in particular covered the entire southbound lane of XXXX XXXX XXXX XXXX ( 2 lane street ). To avoid hitting another vehicle head on, my husband and oldest daughter were forced to hit the tree that occupied the entire lane. In short the SUV was declared a total loss on XX/XX/XXXX. XXXX our insurance company released a partial payment for the value of the vehicle in the amount of XXXX on XX/XX/XXXX. Gap Insurance paid an additional XXXX on XX/XX/XXXX. NOW Global Lending Service is saying I owe a balance of XXXX. They are saying this amount accrued for the months of XXXX, XXXX, XXXX and XXXX. I'd not heard anything from Global Lending about an amount outstanding or owed until XX/XX/XXXX when they charged off my loan for that which remained. How is this fair business practice? I was never notified that XXXX paid a partial payment until I noticed the loan reporting as delinquent on my credit bureau. 1. My credit score dropped over 60 points for an accident that was an act of nature 2. I was not given any notice that a balance existed on my loan I was told it was totaled and they were waiting for a payment from XXXX in XXXX my previous months car payment had been paid current. 3. No one from Global Lending Service attempted to contact me until XX/XX/XXXX. So from XXXX I'd accrued this outstanding amount and I see this as unfair and poor customer service. I've spoken to several people at Global Lending Service who are offering a settlement however I am without a car, left with a negative credit score as a result of something that was beyond my control. Who can help me, and how can this be mitigated in the future as potentially other customers are at risk. My belief is Global Lending Services practices these unsound practices as a way to procure additional monies from customers.
01/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90062	Web
The reason for this complain is that my credit report was used without consent by XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. On that day, My Girlfriend and I visited the XXXX XXXX XXXX XXXX to test drive a used XXXX XXXX and to inquire about my chances of purchasing said car, since my credit score was very low. After test driving the car, I began to explain my poor credit history to the salesman. Knowing that I had bad credit and that my approval chances were slim, I started inquiring to the salesman if the dealership had any way to guess, through a soft check or any possible means, if I could be approved for the Vehicle and to estimate the kind of loan I would be looking at, if approved. I emphasized that I could not afford another hard Inquiry on my account and offered to give the salesman a copy of my XXXX credit report to review my history. Instead he declined and stated that his manager had the ability to make an estimate without running a hard credit inquiry. I believed him and gave him my social security number when asked while emphasizing that I am not authorizing a hard inquiry. The salesman comes back from his managers office several minutes later with a print out of the negative items on my credit report. He started reverberating everything I already told him earlier that was wrong with my credit score. I agreed with him of course that I had a large amount of negative items on my report and I left telling him that I would fix the items and come back another day to purchase the vehicle or better. I later find out that I received Inquiries from over 5 different loan companies, all deriving from that same dealership. Since then I have contacted the dealership and their manager XXXX has stated he will collaborate and back up my claim if ever contacted. Together we were able to remove my disputes from XXXX, now I need to remove them from XXXX and XXXX. Below are the companies that accessed my credit report that need to be removed. XXXX : XXXX- XXXX : XXXX XXXX Global Lending Service XXXX XXXX
10/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	WA 98055	Web
On XX/XX/XXXX I had to re-dispute wrong information with XXXX, that was placed on my credit report regarding a car loan I had, through a company by the name of Global Lending Serviceseven sending them a letter from Global Lending, showing proof that it was paid off. Global Lending reported that I was 30 days late on my car payment, which was incorrect. I traded the vehicle in before I reached the 30 day mark, yet they never updated it in their system. I first contacted XXXX, XXXX, XXXX, and the lender Global on XX/XX/XXXX, upon seeing they reported incorrect information on all three of my credit files, which also drastically dropped my credit scores. Upon a completed investigation, XXXX and XXXX concluded my complaint was true/valid, and updated both credit filesremoving the 30 day late report from Global Lending, to on-time payments. While XXXX concluded that the lender said the 30 day late remark was accurate, leaving the derogatory/false reporting on my report. While checking the status of my dispute on my XXXX credit file, I noticed that not only the remark I had disputed was still on my report, but a second late remark was added to my XXXX report from Global Lending on XX/XX/XXXX. Although on all three credit reports, it now shows that my old car loan with Global Lending is paid off and closed, also shows the finance company ( XXXX XXXX XXXX ), for my new vehicle has been added. So I have no understanding why XXXX or Global Lending is still reporting late payments on my old car loan. I even called to speak with both companies and was rudely brushed off by XXXX and told they couldnt do anything because Global Lending reported the late payments as being accurate, yet Global Lending insisted everything is updated in their system, even sent me a letter. Being that the other two credit bureaus found the 30 day late report to be inaccurate, not allowing another late payment to be placed on my credit report, it seems XXXX isnt following proper protocol, adding false information to my credit report.
09/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL XXXXX	Web
I report abuse of trust by a former co-worker in the process of processing the AUTO loan and where they took advantage of my good will and conducted a whole process of strong consultations with different banks and financial companies, through deception, manipulation and tricks. unscrupulous The car process is requested by XXXX XXXX ( XXXX XXXX XXXX XXXX - Please see attached data / Digital backup ). XXXX XXXX asked me to help accompany her to her office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. - First. They checked her credit and her credentials. ( SSN ) And the salesperson who helped her at that time told her that her XXXX XXXX is incredibly low and that she needed to present a guarantee and contribute a higher premium to the AUTO. Given that the monthly fee would be approximately USD XXXX to XXXX. Having this information, XXXX XXXX suggested to the seller that she try my personal credentials ( SSN ) to see the numbers and take advantage of my credit history and see if the monthly payment could be lowered. So, $ XXXX was a very heavy amount for her finances. She was looking for an average fee of approximately USD XXXX. I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best financial decision for her budget. She and the sales associate assured me that only 1 inquiry would be made to the credit bureau and that it would be smooth. And it would not affect my score in the slightest. situation, which is NOT true at all. At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and I NEVER request to be the main debtor and/or co-debtor in this credit process. Here, the deceived, used and useful fool has been my person. And I was almost scammed, due to this bad practice and abuse of trust from my former co-worker.
04/01/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	FL 32137	Web
In XX/XX/XXXX, i called Global lending to make my normal monthly payment when a representative advised me that my account was CLOSED and my car principal was paid off and my title would come through the mail soon. ( I worked over seas at the time, so i was unable to retrieve any mail ). She did advise me of fees that were at the end of my loan that i would need to take care of ( late fees etc ). I asked her could i possibly make smaller payments towards those ( fees ) at a later time possibly XXXX $ per month and she said sure. At this time, Im am under the impression that my car principle balance is paid off, the title is in the mail and this car after 5 years is mine. I was aware of ( fees ) that i owe to this company for late payments and etc. but she told me the car principal balance was paid. On XX/XX/XXXX, my car was repossessed by this same company. I never received 1 call from them or letter but they picked my car up from my address. I was never made aware that my car was in any default status. I kept the same number for a year and it was discovered that during the course of that time i was not called. Im not sure if the representative intentionally gave me False or misleading information, however her negligence has cost me my vehicle and my financial reputation. I have been in contact with the company since the repossession and i have filed a complaint in this representative for her misrepresentation of my account. As a consumer, i feel as though my account was mishandled, i would have made a more educated decision if i was aware of the potential consequences of my account. In the year that this business took not reaching out and making me aware of my debt it caused detrimental damage. I pull my credit report regularly and this account stated closed as well as a zero balance online. This company should be held accountable for misleading consumers or not making sure their customers understand closing details and charge off statements.
10/03/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	VA 23456	Web	Servicemember
This company will like to you every set of the way!!! I financed a vehicle through them XX/XX/XXXX for XXXX by XX/XX/XXXX I totaled it. I had insurance and gap insurance on the vehicle which my insurance paid the XXXX by the end of XXXX. I was talking with them trying to get them to work with me because I had to purchase a new vehicle. They acted at first as if they were going to be helpful, but they weren't. I made what payments i could and in the end once they received all the insurance my it left me owning XXXX. I continued making payments they started calling even threatening to report to the credit agencies, which im like go ahead because im doing all i can and making payments. I spoke with another lady named XXXX around XXXX or XXXX about the account where i told her about the threats that were made as well as XXXX trying to make payments. She informed me that if i had the vehicle paid off in within 6 months of the accident that they would forgive all the late payments and take them off. Ok that's great!! She said it to me in XXXX different conversations we had that this would happen as long as i had it paid in full come XX/XX/XXXX. By XXXX they marked it as a charge off to which i called and asked why because i had been making payments, because at this point i only owed XXXX. I did not understand that at all since i had been communicating with them making payments, and they gave me a deadline to have it paid by. I had it paid in full prior to the end of XXXX they went in and changed my credit to paid, charged off which that wasn't what she said would happen. I called which i talked to a different lady who informed me they cant change credit reports, and i'm like I know what XXXX told me on the phone more than once and y'all need to pull those tapes. These companies sit up here and lie every set of the way and don't hold up their end of the bargain even though i did mines and had the account paid off in the amount of time they told me.
01/19/2022	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	MI 48340	Web
The vehicle was current payments by the title holder, myself. The vehicle covers gap insurance at the time of purchase, and full coverage. The vehicle was totaled/total lost. The Global Lending Service Lender picked the vehicle up without prior authorization from the title holders, and the policy insurance company policy holder. No insurance authorization, title holders lawyer being contacted. I do not old the lender as the lender made threats to the title holder to reprocess the vehicle and to sale it at auction. Without allowing the lawyer to go through litigation with the title holder insurance company, or without the gap insurance coverage being applied. The XXXX XXXX value on the vehicle shall represent the cost of the vehicle, or and the vehicle shall not be charged to the title holder as she is currently XXXX from the total loss and automobile accident. After the Lien holder retrieved the vehicle before litigation process. The Global Lending service shall take full responsibility of the loan and remove the amount from further obligations of {$21000.00} Auto loan if the lawyer and its client has not been giving proper notice to sale, trade, or retrieve the vehicle for total lost inspections, with out prior notice. The lien holder is held accountable for not properly handling the insurance policy documentation, or requesting the insurance on the vehicle as the lien holder. Breach of contract, as the title older shall not further carry on the burden of the balance as the lien holder is in possession of the vehicle and will put the vehicle up for sale @ auction price possibly XXXX XXXX value. This shall remain and stand in the court of law of the lien holder breach of contract to maintain proper documentation, insurance policies of the vehicle as the lien holder, Overseer. The lending company did not comply on any paperwork to deem the vehicle a total loss, as should have been done through litigation by my attorney as a process.
06/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30294	Web	Older American, Servicemember
Car loan company is Global Lending Services Located in Georgia. My Credit score is hurting me tremendously. I can not apply nor get any Credit because of the latenes.. This car was {$21000.00} and I have paid for almost 3 years $ XXXX $ XXXX monthly. I can not refinance my interest rate. I had contracted XXXX XXXX in XX/XX/XXXX. I was expecting a payment from my Government contract and it never came on time. I call the company asking if I can change my payment date from the XXXX to the XXXX, and I was told I can not change the payment date until I make a new payment. Meanwhile, I was once told I could request to change my payment date if I needed to, but it was never clearly stated by GLS that I must make a payment first. Also in XX/XX/XXXX I wanted to make a {$600.00} payment by credit card. No credit card payments is accepted. I asked to place the payment on the back end and I was told the company will place the payment on the back. I was told that I would have XXXX, XXXX and XXXX extension. It never worked out because of communication with all the Agents calling. We were not sharing the same information I was given. I was promised that the extension can not be emailed. I was told by Agent both of us has to be on the phone at XXXX to fill out the paperwork. I encounter hardship with XXXX XXXX. Because I was XXXX twice. In XXXX I got a gentleman who emailed the Extension letter to me, after making a payment. I filled the paperwork out and I email the information back to the Gentleman. For some reason at home we have horrible internet problems and the signed Extension letter never reached the office. Extension was for XX/XX/XXXX and XX/XX/XXXX When I resent the letter it had Expired. I was not ok with all the wrong information I received from GLS regarding with Extension reports as late. It is not worth asking for help because my Credit got beaten down.
06/06/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 30349	Web
Global Lending wrongfully repossessed my car from the tow yard after I was in a bad car accident. I was rushed to the XXXX via ambulance. On XX/XX/XXXX, I went to get our belongings out of my car only to find out GLS had it towed away unbeknownst to us on the XXXX. I've NEVER missed a payment! I never saw my car again! A month later at a repo yard called XXXX XXXX, we were told by global lending that we could pick up out things. We didnt revive anything back but {$20.00}, my tag and paperwork out of the glove box. The accident was on my birthday and I had {$200.00} in cash and a XXXX XXXX bag, with the matching sun glasses. My husband had expensive cologne in the car and other things. Basically, someone had stolen from us. We never received the belongings that were missing out of my car. GLS wouldnt tell us is why our car was towed or where for months. On XX/XX/XXXX, we received a letter that our car was a total loss from Global Lending. Which is odd because claims adjuster do that not lenders. The at fault party could never look at my car because GLS already took it before an adjuster could assess it. Global lending reported our car as a repo on me and my husbands credit on XX/XX/2022. Global Lending started adding extra fees on my account that they couldnt explain. I had to pay for a rental out of pocket because GLS told my insurance company ( XXXXXXXX XXXX ) that my car was repoed. XXXX wouldnt cover it because of this. I want my money back for paying 4 months of car rentals out of pocket because they lied on me and we want reimbursement for our belongings that were in my car and the mental pain and suffering they caused me while I was recovering from a XXXX XXXX XXXX XXXX XXXX I cried everyday because we were being shamed and embarrassed as if we didnt pay our bills. Its a lot. I have proof with letters, emails and text messages about the whole ordeal.
12/20/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	IL 60628	Web
I have been requesting the contract and payoff amount for the Global Lending Services account for which I had been making payments from the company since XXXX of XXXX. The company would never send out the documents for which I had requested. In XXXX, the company repossessed the vehicle on XX/XX/XXXX, citing that the payments for the vehicle was 30 days late. I paid all monies Global Lending Services SAID that I owed ; when I asked for that information in writing, along with a receipt, I was advised by the representative that the company doesn't provide that information. I was then advised that I was 30 days late, which I was not. The company had removed my name from the vehicle 's title, and had to send me a power of attorney document to put it back after paying the money they told me that I owe them. In addition, on XX/XX/XXXX, the company reported to the credit reporting agencies that I was 90 days behind and owed {$13000.00}. I have been requesting the credit bureaus to investigate ; the company provides the credit bureau no documented information. I sent GLS a letter XX/XX/XXXX requesting the contract for the loan with the payoff amount in exchange for my payment to settle the account by XXXX XXXX. The original request was ignored. I sent out a second letter extending the offer for XXXX additional days ; the letter was ignored. GLS did not respond to the letter that I sent them, however, they continued to call and report to the credit bureaus. I continued to pay through XXXX. I then sent out a request for the company to send out a release of lien letter to be removed from the title as they have denied me the equity in a timely response and to pay off the loan, which legally and financially settled any business regarding that account. GLS has recently reported negative information to the credit bureaus regarding the tradeline.
11/30/2023	Yes	Vehicle loan or lease Loan	Repossession Account reinstatement or redemption after repossession	TX 76112	Web
This is for the late payments and the repossession with Global Lending Services. I called Global Lending Services on XX/XX/XXXX at XXXXXXXX XXXX and spoke with XXXX in the escalations department and advised that the 60-day late payments and repossession on my credit report is preventing me from getting a new vehicle. I advised XXXX that I was XXXX foXXXX XXXX XXXX XXXX XXXX XXXX and had no one to make my payments for me. I explained to her that the day I was released from the hospital my car was repossed and I got it out the same day. I explained to XXXX that I had exceptional payment history before the repossession and afterwards. XXXX stated she will send my credit report to her manager to dispute the late payments and repossession off my credit report and to call back on XX/XX/XXXX. I called back on XX/XX/XXXX at XXXX and spoke with XXXX in escalation who advised that her manager XXXX denied my request to remove the late payments and repossession off my credit report. I've had this account since XXXX and have had exceptional payment history prior to me being XXXX Also, looking at my credit report, Global Lending Services inaccurately reported to my credit report which violates my consumer rights under FCRA consumer law 15 USC 166B. They reported XXXX as 30 days past due, XXXX 30 days past dueXXXX XXXX 60 days past due and a repossession in XXXX. I've asked Global Lending Services as a goodwill and being a great customer with exceptional payment history if they can remove the negative items off my credit report and they refuse. This is no way to treat a customer that was XXXX with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX but still managed to make my payment as soon as I was released and continue to do so. I would like for someone to look into my account and reverse the repossession and all late payments please.
01/04/2023	Yes	Vehicle loan or lease Lease	Getting a loan or lease High-pressure sales tactics	AR 721XX	Web
I XXXX XXXX did an application in good faith and extended my credit under the impression that I would leave XXXX XXXX car lot with a car. Global lending was the bank that pre-approved me for said loan. Once the car salesmen XXXX came back to me after submitted my application, he stated that they would need a down payment of $ XXXX {$1000.00}. But the XXXX advertisement that XXXX XXXX posted on said nothing about a down payment. The false Ad stated they could put you in a car no matter what XXXX down if not then they'll pay you {$500.00} if they couldn't. So, I left the lot due to him asking for a down payment. Once I made it home, I called global Lending Services and spoke with a few people. I needed my application number. I went back to the dealership to get my application number. The owner XXXX XXXX gave me the run around about my application. We proceeded into a conversation i stated that they were in fact breaking the law. Once I made it back home, I called Global Lending again. The down payment had drastically changed to {$8000.00}. The last person I spoke with stated that I did in fact get an approval for {$20000.00} but also stated that Global Lending did not in fact require a down payment of {$8000.00}. He stated that the dealership was asking for said down payment. My Question is where is my CAR!!! Due to the fact that I extended my credit in good faith and received nothing from it is a VIOLATION of my consumer rights due to the fact that my credit alone is in fact my payment. From my understanding the dealership can not charge extra fees during a CREDIT TRANSACTION. I have not received any benefit and this is an issue that needs to be fixed immediately. They also never received my consent to pull my consumer report that is only for criminal background reporting anyway.
01/21/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	IL 60628	Web
Global Lending Services is in direct violation of the terms of our XXXX XXXX XXXX. Under the Federal Truth-In-Lending Disclosure Statement, the Prepayment terms states " You have the right to prepay the unpaid balance in full or in part at anytime without penalty. '' Global Lending Services has violated my Federal rights as a consumer. Global Lending Services ignored my requests, thereby denying to accept payment. The company did not acknowledge my request until after involving cfpb, as stated in the response letter provided by XXXX XXXX, XXXX Consumer Complaints Coordinator. XXXX states the company received the inquiry XX/XX/21, however, certified mail receipts indicate they received letters on XX/XX/21, XX/XX/21, and XX/XX/21. XXXX. XX/XX/21 - XXXX received my first request to pay off the loan, to which they did not respond. XXXX. XX/XX/21 - XXXX received my second request to pay off the loan, to which they did not respond. XXXX. XX/XX/21 - 54 days after ignoring my first requests, XXXX receives my request for the vehicle 's title, absent of XXXX as a Lien holder. XXXX. XX/XX/21 - XXXX receives cfpb complaint number XXXX for misreporting to credit bureaus. XXXX. XX/XX/21 - XXXX composes and sends offer letter without sending the original instrument of debt. XXXX. XX/XX/21 - I received a response from XXXX which expired XX/XX/21. In addition to ignoring my request for payoff and original instrument of debt, XXXX has provided a questionable contract document. XXXX. Hand written text has been added to the " location '' field. XXXXAdditional information has been added to the document after I signed. There has not been any contract amendments signed by me and the lender for this contract. XXXX. XXXX was originally unable or unwilling to provide information as requested.
12/04/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	DC 20020	Web
I would like to file a complaint against Global Lending Services LLC. This company provided me a high interest loan due to my poor credit in 2014. The monthly payment amount is {$480.00}. I was furloughed this year due to the pandemic but made sure to still pay my financial obligations. I noticed that Global Lending Services reported me 60 days past due for the months of XXXX and XXXX on my XXXX credit file. I disputed the late payments with XXXX and provided proof that I paid my monthly obligation. GLS informed XXXX that the information provided was accurate. I called GLS to inquire why they are reporting me late. The company informed me that because the loan term came to an end, it doesn't matter if I am paying them every month because the full amount is due immediately. The account manager informed me that they will continue to report me late ( even if I pay my monthly payment ) and once the account reached 120 days, the account will be listed as a charge off. The remaining loan amount is also non-consistent. On XXXX the remaining amount displays {$4500.00}. On XXXX the remaining amount is {$6200.00}. On XXXX the remaining amount is {$5800.00}. On The Global Lending Services Site the payoff quote is XXXX. The company is reporting inaccurate information on every platform! This is devastating as I have made sure to continue to pay this company even with the high interest rates and overly high late charges that have accumulated on my account. The account manager informed me that I am still financially obligated, but they will report me late until I give them the full amount ( over {$4000.00} ). This is a predatory loan. I am also accruing a daily interest amount of {$2.00}. This is a trap and really has to be illegal. Please assist me!
11/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 770XX	Web
ACCORDING TO 15 U.S. CODE 6803-DISCLOSURE OF INSTITUTION PRIVACY POLICY, AND ACCORDING TO U.S. CODE 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. ( b ) OPT OUT ( 1 ) IN GENERAL A FINANCIAL INSTITUTION MAY NOT DISCLOSE NONPUBLIC PERSONAL INFORMATION TO A NONAFFILIATED THIRD PARTY ( XXXX, XXXX, AND XXXX. ) UNLESS- ( A ) SUCH FINANCIAL INSTITUTION CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, IN WRITING OR IN ELECTRONIC FORM OR OTHER FORM PERMITTED BY THE REGULATIONS PRESCRIBED UNDER SECTION 6804 OF THIS TITLE. ALSO ACCORDING TO THE " GRAMM-LEACH-BLILEY ACT XXXX', FINANCIAL INSTITUTIONS MUST TELL THEIR CUSTOMERS ABOUT THEIR INFORMATION-SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT '' IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES. UNDER THE FDCPA, A COLLECTOR MUST PROVIDE YOU WITH INFORMATION ABOUT THE DEBT IN ITS INITIAL COMMUNICATION OR WITHIN FIVE DAYS AFTER THE INITIAL COMMUNICATION. ALSO, THE FDCPA STATES, " YOU CAN NOT ATTEMPT TO COLLECT AN DEBT WHILE A PERSON ( THE CONSUMER ) SUPRESS VALIDATION. XXXX, XXXX, XXXX, AND THE ACCOUNTS LISTED BELOW HAVE CLEARLY VIOLATED MY RIGHTS : XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT # XXXX FAILURE TO RESPOND SATISFACTORILY WITH DELETIONS OF ALL THE ABOVE ACCOUNTS WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST, XXXX, XXXX, XXXX, WHICH I'LL BE SEEKING A {$1000.00} PER VIOLATION FOR DEFAMATION OF CHARACTER ( PER SE ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD. 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOMPLIANCE-616 CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE
03/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29412	Web
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks dated on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
09/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60643	Web
I recently pulled my credit report and saw an unauthorized inquiry on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( XXXX ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( XXXX ) of any sort. In regards to The company ( XXXX ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( XXXX ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.
01/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28208	Web
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with this company. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with this company for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
07/06/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	PA 184XX	Web
I have been in this auto loans deal since around XX/XX/XXXX ( estimated ) I was to give a XXXX down payment deal completed. I signed the paperwork agreed with the term received my first date to make a payment nothing misleading from the dealership. Im calling the bank to make a payment the bank tells me there is nothing on file. I call the dealership the bank then tells them they need more of my information or the dealership will not receive payment. I spoken to the was again told to call the dealership at that point I was told they had to resubmit it again to the and the need my same information again in which I leave my Job early to resubmit the documents a second time and sign another contract with another payment date. I called the bank on XX/XX/19 to confirm my information and was told that I should be receiving my welcome letter in the mail and I was all set, So now again we are in XX/XX/XXXXafter I spoken to the bank. they ( the bank ) telling the dealership that I have to submit more and more and more of my information or they will not pay for the car and I would have to bring the car back. I seems every month or week that are asking for more more information relating to the same documents. Its never ending and on going so this situation has been lasting since XX/XX/2019 to present. Now they are telling even thought they have my paystub proof of my job depositing my paycheck into my bank account even though they have my paystubs, ssi award letter now they also asking for that proof of ssi deposit again. I am a single mother whom has severely XXXX children as well as an elderly sickly mother who Im a XXXX XXXX also this is causing stress on our family ...
10/23/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	WA 980XX	Web
I took out a car loan for the purchase of a used car in XXXX of XXXX With global lending service at a very high interest rate of 24 %. I had XXXX credit at the time and that is why my interest rate is so high. I had a 100 % payment history up until until XX/XX/XXXX. I called And explained that I had been diagnosed with a XXXX XXXX and had been Suffering tremendously from my XXXX, Having become a XXXX XXXX XXXX And being subsequently fired from my job for that reason. I explained that I was experiencing an undue financial hardship and requested some type of reasonable accommodation. I was told by whom I was spoke with that they would put ahold on my payments to give me more time and guaranteed me that this would not be reported to the credit bureau. Local lending services do not offer refinance they are a creditor. Someone with a 100 % payment history and who is in the process of increasing their credit score should be able to have the opportunity to refinance And have a smaller payment. Within 30 days of my 1st late payment someone reported it to the credit bureau and it has literally destroyed my credit score Which at this point is making it absolutely impossible for me to find a rental home because I am in the middle of being a evicted. I have been offered no lower monthly payments, no option to refinance, and it's, no help whatsoever. It was my understanding that under the American with disabilities act creditors are required to offer customers Who have disabilities that are preventing them from working and paying their bills on time, are reasonable accommodation. This has literally ruined my life And will most likely be the reason that I Become homeless.
10/05/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	MD 21222	Web
I received credit denial for an auto loan from this bank from a dealership. Their reasonings for credit denial were based off of credit reporting for items that went delinquent due to unemployment delayed from a XXXX and several XXXX unemployment claims still unpaid and unresolved. And XXXX pandemic assistance received during the entire XXXX timeframe. Everything was delinquent and caused my credit issues because of delayed unemployment, delayed assistance, and I applied for thousands of jobs claiming to be hiring and they were not. I started doing XXXX XXXX XXXX XXXX XXXX because I was homeless and sleeping at rest stops seeking help for shelter, etc. Or I was denied the jobs based off of EEOC violations. In which case, I have hundreds of complaints filed with all of these agencies that went unresponsive for a year or longer. I am owed roughly {$42000.00} to {$96000.00} in unemployment money. I wound up homeless and lost my FHA HUD backed mortgage waiting on nothing to happen. And my congressman sent the police to my home to have me arrested and committed for a XXXX XXXX versus resolving what I was contacting his constituent services about. Him and all other political representatives in my district and directors on all levels of government agencies received hundreds of letters, emails, calls, etc., from me and NOBODY responded over a XXXX period. Which prompted a congressional ethics complaint. Prompting me to go about this in this manner to prove a point to the lack of action and response from people who are supposed to be a service to the public and I was a taxpayer. And now am again. I'm not in my situation by choice. I didn't create this!
07/25/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MT 59701	Web	Servicemember
Working with Global Lending services to get my account back on track has been a nightmare. I have worked with one agent named XXXX to file an extension and to get my loan payments caught up after a layoff from my job. I was told that my account was at 51 days behind and that making a payment of XXXX would make my account current and I could ask for an extension to be added on the end of the loan to help me get back in the black. I have spoken to this agent 8 times since the end of XXXX. On XX/XX/18 she confirmed the extension and the information we had agreed upon. She told me that I could make a payment on XX/XX/18 - after I get paid from my new job - and everything would be fine with the account. Then on XX/XX/18 she called and told me that I misunderstood and that my payment of {$390.00} was now {$840.00} and they could repossess my car. That isnt what we spoke about!!! I told her that. She said that she would look into it. On XX/XX/18 she called and left me a voice message that you can not hear - and I called back the extension number she left according to my vm text - apparently it doesnt not exist. I then called back and asked to speak to a supervisor so that I could get this resolved. He yelled at me that I didnt know what I was talking about. No one by the name of XXXX works there. WHAT? She called me tonight XX/XX/18 and told me that one I make the payment of {$390.00} I can then ask for an extension. This is unacceptable. I realize Im late in my car payment. Im catching up as fast as I can. I just started a new job. Im making back payments. Im asking for your help. Not to be treated like a 6 year old eating ice cream before dinner.
09/07/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	OH 43302	Web	Servicemember
I have been calling my loan company Global Lending Services Daily since XXXX XXXX. I have explained to them that since XXXX the payments have be on a reoccurring bases through their website payment poral. For some reason they stopped taking it out and I have tried several times to make a one time payment with no luck it keeps canceling. ON Friday XXXX I sent a {$650.00} cashier check to the overnight address they advice me to send it to. AS of today it has not posted. I checked with my bank this morning and they advised me it tells them the account number I gave them does not exist and its the one that is on my statement from XXXX. I then called back to your customer service agent and asked to talk to a Supervisor and was told she could help me. I explained what my bank informed me and she said no worries the payment posted and everything is up to date. It was for {$650.00} posted to my account today,, And my ban must be mistaken because its posted to my loan account. My bank just called me and stated XXXX told them the account number referenced on the cashier check is not valid and that the account number was not found that was placed on my cashier check. The account number I have is XXXX that was used on the cashier check. I pay my bills onetime and DO NOT want this to hurt my credit. The bank told me only other thing we can do is open me another account for just this payment and I wanted to know if you thought this would help. I also wanted to get my payment date switched to between the XXXX or XXXX of each month but they just put me on hold and never come back. PLEASE HELP ME I DONT WANT MY CREDIT TO GO BAD, or LOOSE MY CAR
09/20/2022	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	CA 93030	Web
I just got off the phone with a collection agent that had advised that the ONLY WAY to get the calls to stop is to setup a future dated debit card payment. That is not what I was previously advised and Im pretty sure prior to this occasion I filed a XXXX complaint that has gone unanswered due to a poor customer service issue with XXXX who advised me that there is a grace period where I will not get charged interested and no late charge until after 10 days after my due date. I simply attempted to advised her that in a simple interest contract there is NO GRACE PERIOD. Simple interest uses a per diem, which in XXXX means per day. Therefore, there is no grace period of when interest will be charged. There is a window until a late charge is applied. This company truly has poor training skills in their agents and even worse the supervisor, XXXX I spoke with seemed very unwilling to help and did not seem to care what I had to say. Expressed no empathy and gave me an apology just so I would get off the phone. I dont think this company truly cares about their customers and I am sure as soon as they read it will roll their eyes and think that I do not know what I am talking about, but little do they know I have worked 5 years in the Finance industry with Simple Interest contracts. I want a GENUINE apology and a contact number for their Director who oversees their Training, Compliance and Quality Assurance department to get an understanding of why they are not training proper customer service and collection tactics and if their agents even take a compliance assessment to go over who the CFPB is, UDDAP, etc.
11/01/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	GA 302XX	Web	Older American
We purchased a XXXX XXXX XXXX minivan for the purpose of transporting our XXXX adult daughter in XX/XX/XXXX. Due to a layoff and significant salary reduction that resulted, we filed XXXX XXXX bankruptcy in XXXX XXXX. As part of the repayment plan, the minivan was paid off in XX/XX/XXXX via a monthly payment far above the initial monthly installment. We were told that we should receive the title at the close of the entire XXXX. XXXX plan in XXXX. My payroll deductions ended in XX/XX/XXXX and upon the Trustee 's audit late this summer, she concluded that all our claims were paid in full. I believe that her closure also included notice to all creditors allowing them to dispute the XXXX balances shown in her report. Approximately two weeks ago, my husband departed his doctor 's office to drive home to our daughter in the minivan and it had disappeared from the clinic parking lot. He called the XXXX Police Department and was told that the vehicle had been repossessed by the lender. We called our attorney who was speechless, who then called the Trustee. In short, the lender is claiming that we still owe interest on the loan, but at no time amended their Proof of Claim or made any effort to notify the court, our attorney or us. We do not have an adequate vehicle to transport our daughter to necessary appointments that will accommodate her wheelchair, nor do we have funds to satisfy any balance that this company contends that we owe. We have now received certified mail telling us that our minivan will be sold at auction after XX/XX/XXXX and that will seek any leftover balances from us. Please help us.
01/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 302XX	Web
XX/XX/XXXX Re : Inquiry I was looking over my credit report and noticed I have an inquiry from your financial institution on XX/XX/XXXX. Your inquiry is an indication you access my credit profile without my written consent as a result you received benefit for the use of my consumer credit application and was compensated. However, the consumer was denied. Please make note that adverse action against a consumer is against the law according to the Equal Credit Opportunity Credit Act which codified in 15 USC 1691c and Pursuant to liability under 15 USC 1692k. You are subjected to criminally liability for violating 15 USC 1691 has I have proof that I was discriminated against based off the inquiry date from my consumer report and I received no benefit from your corporation. Your financial institution is in violations of 15 USC Code 1642, 15 USC 1681m and 12 C.F.R. 1001 because I, the consumer, made an application in good faith but no credit was granted. Further, because my social security number ( credit card ) was used and I received NO benefit is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of your Financial Institution. The is an act of Aggravated Identity Theft. If your Financial Institution fails to make reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make your financial instiution criminally and civilly liability for all he actual damages pursuant to 15 USC 1681n and 15 USC 1681o. You will remove this inquiry from XXXX, XXXX, and XXXX. Respectfully, XXXX XXXX XXXX, XXXX Without Recourse
10/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77099	Web
15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted Overview with the Internal Revenue Service against ALL entities involved will be filed if all derogatory remarks are not removed from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information
10/28/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	WA 980XX	Web
The dealership breached the " dealer agreement contract '' and XXXX is refusing to follow through with demanding a repurchase of the vehicle, as stated in the contract, from the dealership. The dealership that I purchased my vehicle from provided XXXX with false information in order to obtain funding for my vehicle. " Ineligible vehicle 's for funding '', according to dealer agreement, include " vehicles previously used for commercial use '' and " gray market vehicles ''. The dealership lied on the application about the condition of the vehicle as well since it was a " new '' vehicle not " used ''. My vehicle is both. My vehicle is apart of the XXXX XXXX engine fire recall campaign. I had 3 years of XXXX percent payment history until I had catastrophic engine failure at XXXX. Between XXXX - XXXX miles, I have had XXXX engine replacements in 400 days and my vehicle was out of service 350 days. The dealer agreement also states that if " any false information is uses to obtain funding, the contract is breached and XXXX will demand a repurchase of the vehicle from the dealership ". The dealership added an additional {$600.00} in illegal " documentary service fees '' to the total amount financed on my sales contract. I have reached out to several different people in upper management, including their compliance manager, who did look into the additional fees and I was credited back {$600.00} to my balance. So they have acknowledged that false information was applied to my sales contract but will not look any further into following through with the dealer agreement.
05/02/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CA 946XX	Web
On XX/XX/XXXX I went to XXXX XXXX, XXXX, and XXXX to buy a car. I put down {$500.00} on a XXXX XXXX XXXX. I was told my Apr would be 24 % with Global Lending. I didnt take possession of the vehicle until XX/XX/XXXX. When I got the car home the car wont crank. I called back the dealership and told them I would like to cancel my contract on the car because it wouldnt crank. They told me the financing manager wasnt in and he would call me back. I finally got the car to crank and took it to be checked and the transmission failed the test. I called back and was told they would get back to me they never did. Global lending reported the loan on my credit report at 27.6 % I was very confused and called to ask about this and was told I needed to contact the dealership. On XX/XX/XXXX the XXXX started losing power where the car would shut off. I called the dealership and was told that was how XXXX made the car and it was nothing they could do. I went through this problem the entire time. I was laid off and I spoke to my lender letting them know and also letting them know my loan was still reporting wrong and they told me I once again I needed to reach out to the dealership. XXXX told me they would pay my loan in full because my car was including in a engine recall. Global lending wouldnt even allow XXXX to look at the vehicle they harassed the dealership everyday about the car even though they were reporting a fraudulent loan and they never corrected it. I asked to be released from this loan as soon as I took possession of the car and I was given the runaround instead
10/07/2021	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NV 890XX	Web	Servicemember
In XXXX of 2020 I got laid off due to Covid I called and paid my car payment and I spoke to a representative about getting laid off. I asked if I could skip the month of XXXX due to the lay off. The representative said that she could move my XXXX payment amount to the end extending my term. I asked if it would effect my credit she stated it would not due to Covid. In XX/XX/2020 I made my normal payment before the due date and in XX/XX/2020 I paid double to try to make up for missing XXXX. Global lending marked me as 30 days late for the month of XXXX and XXXX. My payments are due on the XXXX of every month and I paid XXXX 's on the XXXX. So neither XXXX or XXXX should be 30 days late. I tried calling and explaining the situation and they are very rude. They stated they are a private company so it is under their discretion whether they follow the CARE act or not. They refused to let me talk to a manager and kept passing me around laughing at me and being very rude. I have the statements showing I paid XX/XX/XXXX and XXXX I paid double. I've disputed it multiple times and they keep denying it. It has greatly affected my credit and me buying a home. I do not believe what they are doing is fair. Especially considering they agreed to move my XXXX payment. But to also mark me late for XXXX when I have a statement showing I paid early in XXXX is absolutely terrible. I have tried everything and I am at a loss as to what I can do. Global Lending is absolutely ripping people off and ruining their lives. With these missed payments it has severely affected me.
11/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33460	Web
To whom it may concern, According to my most recently credit report, your company is currently reporting to the XXXX credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report. The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the XXXX main credit bureaus. The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within XXXX ( XXXX ) days. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiries. Listed inquiries below : XXXX XXXX bank XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Global lending service XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Global lending service XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX bank XXXX XX/XX/XXXX
07/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 350XX	Web
I am reaching out to request the validation of a debt associated with an account. Additionally, I would like to explore the possibility of settling the account if validated while seeking an arrangement for the permanent deletion of the account from my credit report. I kindly request your assistance in providing the following information for debt validation : 1. Original creditor 's name and contact information. 2. Account number and date of debt inception. 3. Detailed breakdown of the claimed amount, including any interest or fees. 4. Supporting documentation demonstrating my liability for the debt. I kindly ask for your prompt support in providing this information within 30 days. To ensure fairness, I also request the suspension of any collection activities related to this debt until its validity is confirmed. Once the debt is validated, I am eager to discuss a settlement arrangement. Furthermore, I kindly request an agreement to permanently delete the account from my credit report upon successful settlement. This mutually beneficial arrangement would allow me to rebuild my credit history without the negative impact of this debt. I truly appreciate your understanding and cooperation in this matter. Please kindly reply to this email or arrange for an appropriate representative to contact me. I am available at the provided email address or phone number to discuss the next steps or provide any additional information required. Thank you for your attention, and I sincerely hope for your assistance in reaching a fair resolution.
07/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 350XX	Web	Servicemember
I am reaching out to request the validation of a debt associated with an account. Additionally, I would like to explore the possibility of settling the account if validated while seeking an arrangement for the permanent deletion of the account from my credit report. I kindly request your assistance in providing the following information for debt validation : 1. Original creditor 's name and contact information. 2. Account number and date of debt inception. 3. Detailed breakdown of the claimed amount, including any interest or fees. 4. Supporting documentation demonstrating my liability for the debt. I kindly ask for your prompt support in providing this information within 30 days. To ensure fairness, I also request the suspension of any collection activities related to this debt until its validity is confirmed. Once the debt is validated, I am eager to discuss a settlement arrangement. Furthermore, I kindly request an agreement to permanently delete the account from my credit report upon successful settlement. This mutually beneficial arrangement would allow me to rebuild my credit history without the negative impact of this debt. I truly appreciate your understanding and cooperation in this matter. Please kindly reply to this email or arrange for an appropriate representative to contact me. I am available at the provided email address or phone number to discuss the next steps or provide any additional information required. Thank you for your attention, and I sincerely hope for your assistance in reaching a fair resolution.
05/04/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	NV 89115	Web	Older American, Servicemember
I XXXX XXXX XXXX connected post XXXX veteran XXXX deployments XXXX XXXX XXXX to XXXX and California XXXX XXXX XXXX XXXX to XXXX XXXX : XXXX XXXX XXXX date of birth XXXX Nevada drivers license no XXXX respectfully request an immediate investigation and resolution which should include paying off global lending services bank concerning the XXXX XXXX XXXX exclaim Nevada license plate no XXXX Vin no XXXX was in an accident the third one within XXXX years the first one I wasn't even in the car. The air bags did not deploy at all plus XXXX XXXX XXXX is at fault for not putting in immobilizer in the XXXX to XXXX XXXX and XXXX Vechicles which include mines just in case they are stolen. I was sold the car from he'll abs the other driver did not give me the complete right of way. The police report says so. Now the vehicle is at Sudden Impact body and repair shop located on XXXX XXXX XXXX XXXX nv. I regret only having inability insurance only for 3 mos I was going to add the collision part on the XXXX of XXXX now this accident which was not my fault hopped. I request that I have justice for the high intrest rate plus the mistreatment by the other drivers insurance company progressive insurance that they either fix my car or since this XXXX XXXX has been in XXXX accidents in XXXX years that the car be totaled via the gap insurance I am paying and the global lending services be paid the XXXX i owe so I can get another vehicle from XXXX XXXX or somewhere. Thank you for your concern. Sincerely XXXX XXXX
02/24/2023	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	WA 98204	Web
Global Lending Services has repeatedly threatened to repossess the vehicle that I have a loan for. I've contacted them to notify them that I had a cross-country move and that I incurred unexpected difficulties relating to that move, an emergency health situation with my wife, and being laid off shortly after arriving in Washington. During a several month period, they have begun to call me pervasively, also calling my grandmother who is not connected to the loan. I made contact with them today, XXXX, to indicate that I would be paying an amount typical of my last several payments, each in excess of {$500.00}, and more than {$80.00} over the monthly cost of the 5-year loan. This would have the effect of catching me up in a timely manner. I was informed that despite paying recently, and showing a pattern of above minimum payments, my car would be repossessed Monday morning unless I paid a substantial amount of money today. I had received a voicemail indicating " XXXX, your time is about out ... '' I'm receiving an oppressive number of calls, which my phone has automatically classified as spam due to the frequency at which they occur. During the conversation with the agent today, I requested that they lower the calls and expressed my displeasure at the frequency. The agent responded by telling me that " she could call me 3-times a day if I didn't catch up soon. '' I have no doubt that this classifies a threat to harass me further if I don't catch up immediately.
10/13/2020	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	CA 953XX	Web
I received a call from Global Lending Services on XX/XX/2020 regarding a late auto payment for my vehicle. I spoke with XXXX XXXX. After informing her about my financial situation, she asked me to confirm my address. I informed her that my address is the same as before. She asked me to verbally confirm. I told her that it's the same. She asked me to tell it to her. I told her no, it's the same. Flustered, she recommended that I pay as quickly as possible, as I incur late fees daily. I asked her how much the daily fees are. She responded {$22.00} every day. I asked " EVERY day?? '' She said yes, every day. I told her that there is nothing in the contract that states that there is a {$22.00} daily late charge and that this is unacceptable. She apologized and told me that she will double check her information. She put me on a brief hold. When she came back she told me her information is wrong and that the late fee was a monthly charge. I informed her that giving me false or misleading information about a late account is really bad. She agreed and apologized. I took her information. I don't know if the false information was intentional or not. But as a consumer, receiving false information from a debt collector, whether on accident or on purpose, is completely inexcusable. It's her job to know how late fees work. Had I not called her out on it, she wouldn't have corrected herself. I feel that she was trying to use false information to pressure me into paying faster.
04/07/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	OH 44107	Web
The vehicle is currently in charge off status and was purchased in 2020. They have been attempting to repossess this vehicle for approximately two years. I have a total of approximately 23 call recordings that show aggressive, harassing, abusive debt collection practices from Global Lending Services. In some cases they failed to mini marandize me, in other cases they were also exhibited racially abusive language calling me " Mr. [ First Name ] '' as opposed to " Mr. [ Last Name ]. '' The loan contract itself was completely unreasonable nearly doubling the retail sales price from approximately XXXX ( rounding up ) to XXXX after the vehicle is finally paid off. The overall car payment was an exorbitant {$500.00} per month and mixing in job loss due to discrimination caused the contract to nose dive. They filed on my credit bureau a charge off, however are still attempting to repossess from a destitute, borderline homeless man living out of a motel in a remote area of Ohio. I am requesting that they stop all repossession activities, the vehicle should have been seized about a year or more ago. Each time I would speak with them, I felt fear and every time the call ended, I would notice my psychological health deteriorate. High levels of shaming and aggression due to a financial problem that was entirely not my fault. XXXX is very cruel, selfish, insensitive company with no empathy or compassion for what people go through during difficult times.
07/16/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	PA 175XX	Web
I refinanced this car loan and the new company made sure that Global Lending Services received my payoff check by XX/XX/XXXX in order to avoid any further credit reporting. Global Lending Services has diligently reported my car loan payment on the last day of every month since I had the loan in XXXX. I made sure they had at least 1 month payment by the last day of each month to avoid being credit reported for 60 days past due so only to be reported for 30 days past due. I made a complaint due to XXXX XXXX reported my loan as 30 days past due on XX/XX/XXXX the same day they received my payoff check on XX/XX/XXXX for {$12000.00} and they are refusing the correct this credit reporting of 30 days to show paid as agreed. I brought the account up to date and current back in XX/XX/XXXX and XX/XX/XXXX to avoid any further credit reporting while i refinanced the vehicle loan and it was reported as paid as agreed on XX/XX/XXXX and I was assured by a rep at XXXX XXXX on XX/XX/XXXX that since the payment was received the same day that it will be corrected and how they are refusing to correct the reporting. In the letter they advised that due to the account being 30 days past due when the payoff was received by law they have to report the 30 days past due as of that same day even though they got a payoff check that day which makes absolutely no sense to me what so ever. If I would have made my payment of {$500.00} that day it would not have been credit
02/01/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	GU XXXXX	Web	Servicemember
This predatory, unethical, corrupt lending company started the repossession process in XX/XX/2022. They have not honored their Dealer Agreement contract with the dealership, whom used false information to obtain the loan, which specifically says that " if false information is used to obtain funding they will immediately seek a refund from the dealership ". This stems from my vehicle being apart of the XXXXXXXX XXXX XXXX Recall Campaign, caught on fire XXXX separate times while I was operating it, was out of service for over XXXX days, has had XXXX Engine replacements between XXXX miles and XXXX. Due to the XXXX that I have been diagnosed with, due to my XXXX near XXXX experiences, I refused to drive the vehicle. It was picked up by them in XX/XX/2022. I called and a representative confirmed that they had picked it up and, " they would be emailing me instructions on how to retrieve my belongings " Inside that vehicle were the remains of my beloved XXXX XXXX. Ever since they took my vehicle they refuse to admit that they have it And I have called consistently every few weeks since XXXX of 2022 to ask them for updates on my XXXX 's whereabouts. We as a family are devastated. XXXX of the reps that I spoke to actually XXXX me for leaving my XXXX 's remains inside the vehicle and said that it was my fault. The children did not get to spend the holidays with XXXX XXXX 's remains and now we have nothing left of him but our memories.
09/18/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NJ 070XX	Web	Servicemember
As I partially mentioned in my previous complaint, XX/XX/XXXX I decided to do split payment option for my monthly car payment and the agent assured me the split payment would go to my monthly AS I KEPT STRESSING TO HER that I wanted it for my monthly payments. XX/XX/XXXX I called to try to pay ahead for the month of XXXX and was told that half my payment went to the miscellaneous fees that I REPEATEDLY told the agent I did not want. I was told by the agent that they would put a ticket in to correct it. I then went ahead to ask the agent if I could pay ahead for XXXX and ONLY XXXX while they extract the missing {$270.00} and place it back to the month of XXXX. The agent ( male this time ) told me that I could pay AHEAD for XXXX. Once doing so I've called periodically since because I do not want any issues surrounding the XXXX payment. I was given ( as with the title situation ) many stories of people placing tickets then being told someone did not complete the request to move the money from the fees ( which should NEVER have happened ) back to its intended purpose of paying for the month of XXXX. I called again and was informed the {$540.00} I payed for XXXX was used for XXXX. SO WHERE IS THE XXXX TOTAL FROM XXXX?? XX/XX/XXXX is in 2 days!! I've been doing my due diligence in keeping contact with you guys. Please correct this it's It's been nothing but hardships dealing with global lending service agents.
01/08/2022	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	GA 30294	Web
In XXXX the auto dealership steered me into a predatory loan with Global Lending. Global lending had subjectively higher interest rates with high probabilities of default. The loan was costly with unfavorable terms for any consumer. Over the years XXXX, I paid enough money to pay off the original asking price of the vehicle. Global Lendings interest rate and collection practices were abusive. They would call over ten times a day requesting payment. In XXXX, the pandemic affected our household income, and we could not afford to continue being a victim of Global lending. I was forced to voluntarily surrender my XXXX XXXX XXXX. More importantly, we were tired of the harassment by Global Lending because we knew that the harassment would get worse. The significant matter, in this case, is that Global lending falsely reported the amount of {$15000.00} to the XXXX XXXX XXXX XXXX XXXX. I disputed the matter and requested additional documentation. Global Lending admitted that they reported false information and the amount was significantly lower. Since Global Lending was untruthful, I dont feel comfortable paying the amount reported to the credit bureaus. Global Lending credit reporting has caused a hindrance for credit, and I ask that it be removed. Since Global lending was caught being untruthful they should be willing to resolve this matter by canceling the debt and clearing my credit report.
10/28/2023	Yes	Vehicle loan or lease Loan	Repossession Company communicating payment assistance or payment extension options	NC 27295	Web
XX/XX/XXXX Spoke with Global Lending about my payment, the lady whom I was speaking with assured me that if I made a payment on XX/XX/XXXX and then call back to set up the next payment because it could not be set up online that everything would be fine and that the car was no even in critical stages until 90 days late the car on XX/XX/XXXX would have been 87 days late. Payment was set up for XX/XX/XXXX to be drafted for my account on XX/XX/XXXX everything was fine. XX/XX/XXXX I stop at XXXX XXXX XXXX to have my car repossessed car payment was still set up for XX/XX/XXXX nothing had changed. I sit in my car in the gas station parking lot with a third-party repossession truck until the bank opens to be told that my account had no new notes that is not my problem but your employees did not do their job. This is not the first time that Ive had dealings that were unethical by this company. I was going on about my day not realizing that I was lied to and embarrass in the parking lot of sheets where we sit for an hour until the bank open. Now Im on the hook for the repo fees. Also the two truck driver was not a normal company they used and he knew all my personal information as well as payment information. He even said this process was not appropriately handled. I had to give them {$1600.00} to get my car lowered, so I could go to work. You should not treat your consumers this way
10/11/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	SC 29588	Web
Several times, I get calls through out the day I ask not to call so many times and asked them not to call so many times they told me they have to call. So right after they would speak to me a co signer they would call XXXX or vice versa and start the process all over like they never spoke to any one. So when the hurricane hit Hurricane Florence they asked if we were okay from storm or etc and advised XXXX that he could do an 3 month extension so he turned in the paper work and then they kept saying oh you have to wait, so they finally called back and said where is the payment, so we explained what happened and they said they see paperwork but it cant be 3 month it has to be a 2 month after to speaking to several supposed supervisors and account managers so we turn in the 2 month paper work and they changed the payment due date, so that was not fine but advised of when we could pay so a few days later a call again telling us we are 90 days behind when that isn't true every time u ask them about there XXXX they say oh now I see the notes, so I asked the balance, they guy says a higher amount and says oh sorry the late fees don't get pushed back with the 2 month extensions so then made an arrangement due to amount being higher get calls again and a rep tells me about my smart a mouth and literally cusses at me. I have never had so much disrespect from a loan provider.
08/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 76039	Web
I've contacted the below companies that's listed on my credit report as a credit inquiry, to have them provide me with WRITTEN PROOF, bearing my signature, authorizing them to access my credit report, since I have been a victim of several identity breaches recently. They have FAILED to provide me with the requested information, see their responses. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
05/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 21157	Web
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. Thank you for your prompt attention to this matter. Sincerely, XXXX
10/22/2023	Yes	Vehicle loan or lease Loan	Repossession Loan balance remaining after the vehicle is repossessed and sold	NV 89115	Web	Older American, Servicemember
Currently having problems with global lending services trying to locate the other drivers girlfriend I guess that who owned the red XXXX that the other driver did not give me the right of way and he did nit stop or see me as I crossed so I could not avoid but to hit him and the air bags did not deploy even though this accident was a low impact crash. The police report is totally in accurate not to mention the XXXX XXXX soul exclaim I had also had 3 recall notices one for the air bags 2 others for the anti theft mechanism and the auto locks via the key fob also although I was going to add on the collision part of my insurance that month of XXXX I only had liability but I had gap insurance via XXXX XXXX XXXX. I still feel the other drivers girlfriends insurance company progressive insurance who XXXX XXXX the total loss consult of my car finance company global lending services is going after. The case no is XXXX. Her telephone no is XXXX XXXX. She has all documents including the 3 recall notices and screwed up police report. The XXXX no to the XXXX XXXX XXXX is XXXX. Hope you can include me in the class action law suit against XXXX XXXX XXXX and since these screwed up XXXX XXXX XXXX nv police I'm having a hard time suing them as well I need all the justice I can get plus I still owe XXXX XXXX dollars for this un safe car Thank you for assisting me
06/16/2017	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	TX 750XX	Web
I purchased a vehicle and was given a due date of the XXXX of every month.XXXX/XXXX/XXXX I called them and advised them I get paid on the XXXX of every month. I asked if I could change my due date. They said yes after the XXXX installment is made. I said ok. On Monday XXXX/XXXX/XXXX I made the payment online. I received a call around XXXX later that day and was asked for my last 4 of my ss #, full name, adrs, etc ... .. I told them I did n't feel comfortable doing that since I already made the payment online. I understand a call the same day if the number was already loaded into a phone dialer. So I called back and asked if they called and explained the situation. The guy who answered the call advised me that I would not get anymore calls, and made notes about the payment online as well as emailed me a payment date change form. Tuesday XXXX/XXXX/XXXX, I was n't comfortable giving my info out so I asked for a supervisor, I was transferred to another agent instead. I told the agent I wanted to speak to a supervisor, they refused said they were n't available. I told them I was at work and could wait any longer. I told her the whole situation, she advised me that a supervisor would call me back. I never received a return call. XXXX/XXXX/XXXX I still get a call.. I 'm being told for the third time that I will not receive calls anymore.
02/03/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 30039	Web	Servicemember
I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : XXXX {$8700.00} Opened XXXX, XXXX GLOBAL LENDING SERVICES {$4800.00} Opened XXXX XXXX XXXX I did not make the charges listed above. I request that you remove all fraudulent charges and any related fees, send me an updated and accurate statement, and close the account. I also request that you stop reporting the inaccurate information to credit bureaus. I have enclosed my Identity Theft Report, proof of my identity, and a copy of my credit report showing fraudulent items related to your company. I also have enclosed a copy of the Notice to Furnishers of Information, which explains your responsibilities when providing information to credit bureaus. The Notice also states that if a credit bureau notifies you that information you provided may be the result of identity theft, you must stop reporting the inaccurate information and you can not attempt to sell or transfer the fraudulent d Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Debts to another party for collection. Please investigate this matter and send me a written explanation of your findings and actions. Sincerely,
08/25/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 30528	Web
Pursuant to 15 U.S. Code 1635 ( a ) as I was never told I had 3 days to rescind the agreement nor was I given the notices that come along with all consumer credit transactions ; 2. Furthermore, you GLOBAL LENDING failed to clearly & conspicuously disclose my right to rescind ; 3. I XXXX XXXX XXXX participated in a consumer credit transaction and not a loan Pursuant to 15 U.S. CODE 1602 ( i ) ; 4. Take further notice that Pursuant to 15 U.S. Code 1605 the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges which was never disclosed to me by your organization in direct violation of this law ; 5. You also asked for a down payment of {$1000.00} violating 15 U.S. Code 1605 which clearly says that the finance charge does not include charges of a type payable in a comparable cash transaction ; 6. Pursuant to 15 U.S. Code 1611 ( 1 ) ( 3 ) you can be fined up to {$5000.00} for giving false, inaccurate, and fails to provide information which he is required to disclose and in this case you GLOBAL LENDING willfully did when you failed to disclose and provide all information clearly to me a consumer. 7. Notice that Pursuant to 15 U.S. Code 1635 ( b ) upon receipt of this rescission I am not liable for any finance charge, security interest, etc. becomes void effective immediately.
05/06/2019	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	GA 31705	Web	Servicemember
I can not wholly blame Global Lending for this adverse action I am filing. I am very disturbed as I am writing this complaint and I take no joy in this regretful process. However, Global Lending could resolve this complaint in a matter of minutes. I totaled my vehicle on XX/XX/2018. I had financed with this company. My insurance company lied to Global Lending and me. Before I went to the V.A. Hospital for an elongated stay after several months I was released I found out Global Lending had charged my account off for non-pay. I was told to me my account had been paid off. Everything has been paid off now. However, your company is reporting a charged balance of XXXX XXXX dollars or more. This painful and regretful error is causing severe backlash from my mortgage provider. As a Veteran and a XXXX XXXX member, I surely didnt expect this betrayal of public trust. I fought for this country, and I protected my insurance company freedom to do business. I am taking this approach because I couldnt get it resolved otherwise. Again, I am not totally blaming Global Lending for this miscarriage of justice. However, I am bringing to their attention the lack of communication and not taking this dangerous situation as a priority and overlooking the fact this is ruining my life. It is incredibly extreme to me as a consumer. Please help!
03/26/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 75503	Web
I purchased my vehicle on XX/XX/2019 from a auto dealership in XXXX Texas. I was told by the dealership that the lender required that I purchase Gap and Warranty. This added about {$3000.00} on to my loan ( {$2500.00} for warranty and {$470.00} for gap ). It made my payment {$380.00} a Month. I was later told that I did not have to have those. When I found out the that they were not they were canceled and the money was sent back to the lender. The lender continued to tell me that the length of my loan would reduce from 48 months by taking a year off and my car note would go down. I asked for the truth so I would know if I wanted to continue to keep the car. The dealer said I could resind the contract but and the lender said when they got the money back it would reduce the length on loan and reduce the payments. I have found out now it was not true. When I ask for a extension on my loan they now ask for me to sign a document that I will waive my right to file any suit against them. Global lending has scammed me. They have also damaged my credit previously by reporting inaccurate information such as wrong balance, which was higher and reporting my account as closed. This company has continued to deceive me, they have told me things that were not true and then put on document that i would have to waive rights to sue.
07/02/2023	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	TX XXXXX	Web	Servicemember
XXXX XXXX : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information GLOBAL LENDING SERVICES it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I am herby requesting all above disclosures required by Federal.
03/04/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 30238	Web
I went to purchase a used car from XXXX XXXX on Saturday XX/XX/2021 they told XXXX dollars down and then a couples of hours later they told me XXXX down after I left from the dealership and then told me, I have to bring it by XX/XX/XXXX XXXX or they will take the car back so I said ok. On Monday after the deal from Saturday they ask me bank statements and I gave them that and then Thursday XX/XX/XXXX they called me saying the bank global lending said I fraud check stubs I ask them for the bank name to verify that they told me no and wouldn't tell me who they spoke with. So i requested to speak with XXXX XXXX the sales man the manager told me he quit and no longer works there so I called my mom to get his sale phone number and i called XXXX and he said he didnt quit he is off and coming back to work Friday morning. The manager XXXX kept calling my phone threatening me saying bring back the car and I not getting my deposit back anyway. And that the police is waiting I get there no police is there. My mother came there and he told her I have nothing to say he wouldn't even talk to her or give her my paper and then said my daughter didn't have any paper work on file. These pp. steal pp. money i am XXXX XXXX XXXX and in college to be getting taking advantage. And It is not right and this hurts.
05/05/2016	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	FL 327XX	Web
I had a loan with Global Lending service that was set up by XXXX. For one year I paid XXXX a month to them and not once were these payments reported to a credit agency. When I went to refinance the car I was informed that Global lending was not federally insured and therefore I would NEVER be able to be refinanced by a reputable lender. I went to XXXX to talk to them and they could not find anything on my credit report regarding Global Lending. I was so distraught about this that when I went to XXXX I was very vulnerable and alone. They knew I was there to get my payment down. When I left there I had a brand new XXXX with a XXXX payment which is too much. I recently had found out my identity was compromised during a background check for a job, my hospital records were among a group of records that were hacked and a satellite internet company had posed as direct TV and took my debit card number. I was pretty shattered at the time and now am stuck with a XXXX payment on a car I did not want. I went through bankruptcy in XXXX to try and pick up the pieces of my life and hopefully get things back together. No positive credit was garnered by my relationship with Global Lending causing my credit to still stink. Is there anything that can be done? Where should I turn? I am completely at a lose
07/08/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CO 80916	Web	Servicemember
Global Lending Services have ruined my life and I'm will become homeless in a matter of days due to their billing practices with extra fees and reporting to the credit bureau. Even after taking out extensions and making payments they still report payments as late to the credit bureaus. One month payment was made XXXX credit reported current next day reported I owed XXXX in payment and fees. Paid this amount because we are having to buy or rent a house. After paying this few days later Global Lending Services reported I owed XXXX and the total bill would be XXXX. I paid XXXX because again I can not afford my credit score to go any lower. The payment was made on XX/XX/2021. Global reported I was current but report another late payment on the same day I made the payment. I went on to their website and then saw that my XX/XX/2021 payment showed nothing owed and we paid ahead. I have disputed but Global Lending comes back with verified but still won't disclose what misc.1 fee is to me. What I do know is that Global Lending Services has ruined my life. I don't understand how a company can go around doing this to people and I know I'm not the only one this has happened to but when is it happening to you all you can think about is what am I going to do? Where am I going to live?
12/07/2020	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	MO 63021	Web	Servicemember
My wife and I bought a XXXX XXXX XXXX from XXXX XXXX, back in XX/XX/XXXX. We were financed through Global Lending Services, and have been paying on it ever since. Then of XX/XX/XXXX, my wife & I ask for the payoff amount to pay the car off. The total came to {$5800.00}, so we had to make two payments to them. One for {$4900.00}, and one for {$800.00}, due to they could only take a payment up to {$5000.00}. We figured that it was done, and now owed the vehicle. That was until XX/XX/XXXX, when my wife & I were trying to buy a house, and found out they reported to all three credit bureaus that our account status was repossession/foreclosure. I call Global Lending up, and they said they wails correct their mistake, and once again .... I figured that was the end of it. Until I took my title to the DMV. They told me I needed a Lien Release Letter from them, to have them taken of as the lien holder. I call them today, to get that .... To find out they gave the lien to an auction company. This is now getting to become a problem. They are messing up my credit score with XXXX XXXX and XXXX, as well as giving some auction company property that I have in my possession, and have paid off as agreed to the contract. This has to be illegal, and my wife and I need help.
10/16/2023	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	AZ 85298	Web
I am reaching out to formally register another complaint against Global Lending Services LLC due to the harassment and maltreatment I've experienced, particularly since XX/XX/XXXX, following my submission of a complaint to the Consumer Financial Protection Bureau ( CFPB ). The activities of your company, I believe, breach Section 1006.14 ( a ), which enforces the Fair Debt Collection Practices Act ( FDCPA ) section 806 ( 15 U.S.C. 1692d ). After being granted approval for a skip payment, Global Lending Services LLC misrepresented the skip loan, which led to an unjustified past-due notification on my credit report. Such misrepresentation has negatively impacted my credit score. Furthermore, my access to the online portal has been unjustifiably deactivated despite my active loan status with your company. It's important to note that since the initiation of our loan agreement, all car payment installments have been made in full and in good faith. Section 1006.14 ( a ) clearly prohibits a debt collector from any conduct whose " natural consequence is to harass, oppress, or abuse any person in connection with the collection of a debt. '' The actions of Global Lending Services LLC, as I have experienced them, fit within this prohibited description.
07/20/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	CA 95820	Web
I purchased a vehicle from a dealership the dealership sold me a car without having the title to the car. The Lending provider, which is GLS Global Lending Service, threatened me with a buyback due to not receiving the title for the car. The legal dept recommended that I retain an attorney because if they didn't receive the title soon, they would take back possession of the vehicle and cancel the loan. I spoke with them and the dealership, along with DMV, to rectify this issue. I even had to take the car back to the dealership in the middle of XXXX due to the temp tags and registration being expired on the car. The Lender still threatened with buyback practices but continued to expect me to pay for the car loan even though I no longer had the car in my possession. I just received my car back today and got the necessary registration completed on the car. However, I don't feel that I should be charged for the months that I didn't have the car, and I feel that the lender should have ceased all payment requirements on this vehicle until I received it again and until they received the title. It is not my fault the dealership sold me a car without a title, and it isn't my fault that the bank didn't do their diligence before paying for this vehicle.
01/16/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	DC 20003	Web	Servicemember
In accordance with XXXX XXXX XXXX, everything must be 100 % accurate on my credit report. The Credit bureau stated my account was thoroughly investigated, but how is that possible if the opening date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my right under : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1692. ( C ) ( A ). Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. Affiant is aware and has proof in attachment labeled as exhibit A that corporation name is in violation. 15 U.S. CODE 1681N- CIVIL LIABLILTY FOR WILILFUL NON-COMPLIANCE ( A ). Any actual damages sustained by the consumer because of the failure or damages of not less than {$100.00} and not more {$1000.00}. Also, the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX
10/16/2023	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	IN 46222	Web
I am reaching out to formally register another complaint against XXXX XXXX XXXX due to the harassment and maltreatment I've experienced, particularlysince XX/XX/XXXX, following my submission of a complaint to the ConsumerFinancial Protection Bureau ( CFPB ). The activities of your company, I believe, breachSection 1006.14 ( a ), which enforces the Fair Debt Collection Practices Act ( FDCPA ) section 806 ( 15 U.S.C. 1692d ). After being granted approval for a skip payment, Global Lending Services LLC misrepresented the skip loan, which led to anunjustified past-due notification on my credit report. Such misrepresentation hasnegatively impacted my credit score. Furthermore, my access to the online portal hasbeen unjustifiably deactivated despite my active loan status with your company. It'simportant to note that since the initiation of our loan agreement, all car paymentinstallments have been made in full and in good faith. Section 1006.14 ( a ) clearlyprohibits a debt collector from any conduct whose " natural consequence is to harass, oppress, or abuse any person in connection with the collection of a debt. '' Theactions of Global Lending Services LLC, as I have experienced them, fit within thisprohibited description
04/09/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	CA 93203	Web
Global Lending Service had XXXX XXXX XXXX to repossessed my vehicle on XX/XX/2023. We had agreed I would be able to catch up on my past due payments by sending {$260.00} weekly starting in XX/XX/2023 so by XXXX I would be caught up. The first 2 weeks no problem but then my debit card got locked and I couldn't send the payment I had to send it through XXXX XXXX ( {$28.00} fee ) and XXXX XXXX ( {$39.00} fee ). The only problem with that was the fee I had to pay. So I mailed in the payment and those payments went to fees and late charges. I asked to get my card unlocked but they said it wasn't them, the company I called to unlock my debit card said Global Lending had it lock and they could do nothing about it. Today 's date XX/XX/2023 I have not received any notice from XXXX XXXX XXXX about my vehicle. They also breached the peace by arguing for 20 minutes and then have the police threaten with being arrested and going to jail if I didn't get off my car ( I was sitting in it when he hooked up my car ) I told them they were not taking my car or I wasn't getting out. My wife kept telling them this is a civil matter, Im not getting off, and their not taking my car .it was an illegal repossession. They breached the peace.
02/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 326XX	Web
On XX/XX/2021 I decided to search for a vehicle so I went online to XXXX XXXX website and applied for a car loan and was pre-approved for {$35000.00} so I took the pre-approved letter to XXXX XXXX XXXX XXXX fl and spoke with the sales manager by the name of XXXX XXXX I handed the letter to him and shortly after I was approved for the amount with a approved trade in and I was able to drive off the lot with my new vehicle. However, the same day about a few hours later I started getting alerts that my credit was being ran by random lenders and I didn't know why so I called XXXX XXXX to ask why my credit was ran so many times when I had been approved the time my credit was ran the gentleman which was the salesman who sold me the vehicle said didn't know why they ran it so many times. So I'm seeking help from you to have all inquiries in question to be removed immediately because my report was pulled 9 times without my authorization please and thank you. Global lending services XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX
05/27/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	NJ XXXXX	Web
PAY FOR DELETE REQUEST Date : XX/XX/2023 Account Number : XXXX Amount Listed : {$400.00} Dear Global Lending Services, I, XXXX XXXX XXXX am writing to offer your credit department a one-time offer to settle the alleged amount due for {$200.00}. Please note that while I am offering this amount of money to settle the debt, this is not my acknowledgment of its liability. However, as I do disagree with the total amount owed, I am willing to agree to settle this debt as a show of goodwill under the following circumstances : Report to all credit agencies that this debt has been paid-in-full or the equivalent best-case scenario to XXXX, XXXX, and XXXX XXXX Payment will be made to satisfy the payment made in full under the Account ; This debt will be deleted from your records ; and There will be no mention of this debt or settlement to any third ( 3rd ) parties. If the items mentioned above can be met, I am willing to make payment on this debt immediately. I will only answer to an individual who is an official representative of this Company with the terms of this offer expiring at the end of thirty ( 30 ) days. Feel free to contact me through one of the following : E-Mail : XXXX Phone : XXXX Sincerely, XXXX XXXX
03/31/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CA 92225	Web
on XX/XX/XXXX financed a vehicle for estimated {$35000.00}, the following year around XXXXXXXX XXXX XXXXXXXX i recieved a message from the sales rep from XXXX XXXX, where i purchased the vehicle, and i was notified that my bank informartion would change on who i would make payment to, and there was no further action to be taken on my end. a couple weeks later i recieved a call from the new bank XXXX, to verify my information and that i had the vehicle in my possession .then i noticed that my payment date changed, and my monthly payment was also higher, as well as a higher interest rate. than the one XXXX initially agreed to. after being constantly harrassed by this company calling me night and day multiple times, many red flags started to raise. i called the salesman and demanded to see my contract, which he never provided. then after months of harrassment from XXXX i received the contract from the bank, which i noticed that my signature was forged, i had a higher intrest rate and the vehicle was paid off from the original bank and resold to me for the same price, my rights have been violated, and this is a fraudulent loan, i did not read or sign the contract for this loan, nor did i agree to the terms.
05/05/2020	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	NV 89801	Web
Due to medical and covid-19 related issues we are unemployed without an income. My wife is a senior citizen. Global Lending Services repeatedly calls my wife and I on a daily basis including weekends. They start calling one day after the due date and continue calling on a daily basis. When they call they never verify who they are nor ask us to verify our information. They only state they are calling to collect a debt. We have informed them numerous times we have no income and would contact them or pay them when we can. More than one representative said they would provide us with only one month extension but have failed to send us the forms. My wife and I are tired of being harassed on a daily basis. We understand our obligation, but the repeated harassment is unnecessary. We have never been 30 days late or behind on payments. Another lender we have gave us 4 months extension with us informing them of our situation. Global Lending Services initially denied us any extension unless we paid them money we didn't have. It wasn't until we filed a complaint with the XXXX XXXX XXXX before they offered us one month extension although they have failed to send us those documents to complete the process.
05/29/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	IL 60659	Web
On XX/XX/2022, my car was a total lossXXXX XXXX XXXX was immediately ready to pay the loan off. I retained the law firm of XXXX XXXX XXXX to communicate with the finance company, Global Lending Services, so that I could get the loan paid off and collect any money due to me. The law firm tried to get XXXX to communicate and work with them to get XXXX ' loan paid and get me my remaining money owed but XXXX continuously refused to cooperate with my law firm ( see emails to/from XXXX attorney and my law firm 's paralegal ). For month 's XXXX ignored my law firm and continued to bill me monthly payments on the loan. This caused an extreme hardship to me as I was involved in an XXXX, off from work, and could not afford to pay a loan that should have been paid off months ago. If it were not for XXXX ' incompetence, the loan would have been paid. Additionally, they ruined my credit by showing me late for two car payments with them ( one that should have been paid off long ago if not for their lack of cooperation and due diligence ) because they are holding over {$2000.00} of my money and refusing to return it to me. I would like to ask that they be fined for their unethical actions.
09/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 231XX	Web
My problem is with XXXX I have disputed two Company Credit acceptance they put false information on my report and the other one is Globe Lending I have written a letter on the disputed both because I call credit acceptance XX/XX/2022 and talk with them and the ss number was XXXX on the account my last XXXX is XXXX and I was told I had co sign for a XXXX XXXX and I do not know this person at all and XXXX all all number on there report and my XXXX XXXX have not change in months and I do not know why some of my creditor has been reporting to them and they are not on my credit at all and I have ask XXXX to investigate several time over the years and nothing was do with this problem and on XX/XX/2022 I report Credit acceptance and they was reporting late for and they took down all but one and they both using false information to destroy my credit please help me with this matter I have written the credit bureau with the issue and my score has not changes in months XXXX I call them this month and by me calling XXXX points yesterday XXXX points the credit is not doing there job I am a consumer that pays her bills on time each month but the scores never changes on Exquifax or XXXX
10/03/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with signing the paperwork	AR 72704	Web
I signed the deal on my car on XX/XX/XXXX. Apparently per the documents I signed the Ist payment was due on XX/XX/XXXX. However, I have yet to receive copies of the documents I signed. I called the dealer and was told that the deal just funded yesterday XX/XX/XXXX. How is it possible to be required to make a payment on a deal that did not fund yet. Furthermore I was told by the lender that I signed documentation agreeing to a {$8.00} or more a day interest charge on late payments that will be added to my loan along with a 5 % late fee. How is that legal? I had no idea the documents I signed contained such information. I asked the lender if I could cancel so to speak and was told that I could not. I called the dealership for a few different reasons. They just keep telling me that the signed documents will be mailed to me. Also the salesman promised me a full tank of gas and a detail on my car if I went online and gave a good review so I did that and now the dealer is telling me that they can not honor that because the salesman is no longer there. That is very bad business in my book. Is there anything I can do? Do I have any rights that were violated in this transaction?
09/13/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	MD 207XX	Web
I entered into a predatory car loan with the subject of my complaint GLS Lending, XX/XX/2003. A sub-prime lender, Global Lending, knew that certain segments of its population were predicted to have a high likelihood of default. Global Lending exposed borrowers to unnecessarily high levels of risk through high loan-to-value ratios, significant backend fees, and high payment-to-income ratios. Global Lending has yet to resolve allegations that they violated consumer protection laws by putting subprime borrowers, like myself into loans that carried a high probability of default- engaging in deceptive servicing practices and actively misled consumers about our rights, and risks of partial payments and loan extensions. It is my prayer for relief that restitution from Global Lending to its consumers be imposed after it made unfair, high-risk auto loans to car buyers across Maryland and many other states in addition to monetary relief, like the class action in the XXXX case- we also suggest Global Lending agree to factor future borrowers ability to repay loans into their underwriting as this has tremendously affected my life and credit. Surely more than it has helped me.
09/13/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 30528	Web
GLOBAL LENDING SERVICES committed fraud when they created an account on my behalf ; Pursuant to 15 U.S. Code 1693 ( a ) Account means savings account or deposit account. I the consumer have never done so nor will I ever. The language used on the bill was that youve given me XXXX but you say that I owe you. When a debt is owed it is shown with ( - ) before said amount, so this means that Ive been credited. As a consumer with open ended credit, I want my account credited. I am REFUSING TO PAY BECAUSE I AM THE MASTER CREDITOR AND ISSUER OF CREDIT. I will not be paying this alleged debt nor any future alleged debts. Pursuant to 15 U.S. Code 1692 ( a ) ( b ) which states that The Congress has found abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. These abusive practices contribute to the invasions of individual privacy among other things which you XXXX XXXX are in violation as I never gave you my information directly ; Please also define loan or borrower under the FDCPA. Also according to XXXX XXXX banks have been bankrupt and can't lend or extend credit so please explain to me who the original creditor is?
09/08/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	SC 29210	Web
Due to the covid pandemic phase I had an extension on my loan and it caused my actual loan terms to go past the loan mature date. I was advised that I needed to continue to make my payments monthly until the loan was completely paid off. I was never told that because it went past XXXX of XXXX that I would incur a monthly late reporting to my credit report. As of today XX/XX/2022 I am still being marked for being late in XXXX but I am current on my monthly payments. They have attached a {$1000.00} charge for XXXX payment which they can not give me a clear answer as to why they charged me that and what is was actually for. I have only {$430.00} left to pay on the loan which is my last payment of this loan contract and they want me to pay that {$680.00} they can't tell me what its for. I don't understand that now that my loan is one payment from being paid off they are reporting me late every month for going over the contact. in the loan it was never specified that if I go past the original loan contract date it would be an additional charge. They are tearing up my credit and this has caused me distress due to dealing with this issue with this loan company.
12/12/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	CA 92881	Web	Servicemember
I have been paying for this loan since XXXX I started at a certain amount and 4 years almost 5 yrs later im still having the same amount due for this loan. even on months im not late this company is reporting to the credit bureaus of me being late. I recently had the car repossessed during my stay in the Intensive care unit. I expressed that to them and they still disregarded that during XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i expressed that to them and still was demanding me to pay and threatening to put the bad marks on my credit and take possession of the vehicle. I should almost be done with paying the car but now it says 80 month contract i don't remember signing a 80 month contract with this company. I asked for a contract that i signed and have not had that produced to me. this company has ruined my credit with late payments even after i voiced to them and sent in documents showing i am late because i am in the XXXX XXXX XXXX XXXX. Each representative questioned and harassed me about payments when my health was not in a good condition to even work for money. I was even asked to ask friends and family for the money or get your car taken.
09/25/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	AZ 852XX	Web
I received a letter on XX/XX/2020 dated XX/XX/2020 from Global Lending Services ( GLS ) that in regards to my auto loan, my financial obligation to them had been satisfied in full along with an enclosed check for supposed overpayment on payoff. In turn, I checked my credit reports and the auto loan account showed as closed. On XX/XX/2020 I called GLS and spoke with a representative named XXXX in attempt to find out the current standing of my auto loan and provided her with the information on the letter I received in XXXX and the status of the loan on my credit report as closed. She stated that contrary to the letter I had received, I still owed on the account for the three past due months and should continue sending in the monthly payment to keep the account current. I questioned XXXX that although I am willing to make the payments to the auto loan, how will resuming payments reflect on my credit report if the status shows as closed. In conclusion, XXXX stated that she did not know the reasons as to why I received the letter in XXXX or why the account status showed as closed on my credit report and that this issue would be forwarded to her superiors.
03/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 43209	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # GLOBAL LENDING SERVICE, Account name : # XXXX XXXX XXXX XXXX Account name : # XXXX XXXX, Account name : # XXXX XXXX, Account name # XXXX XXXX XXXX CO XXXX Account name # XXXX XXXX XXXX, Account name # XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
11/06/2018	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	VA 20148	Web
I have stayed in contact with them on several occasssion. I have maintained my payments on a monthly basis however recently I have been experiencing financial hardship but still maintained to make my payments. Good payments no return payment history. Every time I speak to some one they advise me because I have already gotten assistance I dont qualify. I understand and advise them that I have every intentions to pay which I do and have statements that show I do and where I have fallen behind due to hardship. Today I spoke with someone and told her XXXX was her name in collections that I had to change my payment date from the XX/XX/XXXX to the XX/XX/XXXX due to financial hardship. The payment was set up and she said her manager will be cancelling my payment and repossing my car. I have done everything I could as a single mother to make sure my car doesnt get repoed and for some reason it seems they just want to threaten me and repo my car. I have not had previous good communication with this company and having to pay my car for 3 years and still owe so much for a 4 year old car worries me even more. I dont know what to do anymore.
09/09/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	PA 19139	Web
On XX/XX/2020 i contacted GLOBAL LENDING SERVICES for clarification on why my application for credit was denied. I was given a multitude of answers in which none made any possible since to me. One representative informed my my application was approved, but for only a partial amount of the debt created. As i asked for a supervisor i was then told that they never received an application after i gave the same gentleman the application number i received directly from the sales manager. In addition i informed both individuals that i was the comsumer and creditor within the transaction and also that i was the entitlement holder over the account of the participant. For even more clarification i then asked the sales manager at XXXX XXXX was the application considered in-house financing in which he replied yes. After relaying the information back to Global lending services they claimed they never received or approved any contract or application applying to me when i just furnished the information indicating such fact. They also required a fee to release any credit or approval to me in which i understand is a violation under title 15.
09/12/2023	Yes	Vehicle loan or lease Loan	Repossession Loan balance remaining after the vehicle is repossessed and sold	FL 32836	Web	Older American, Servicemember
United States Code Title 31 sec3on 3123 states that the US Government has an obligation to pay dollar for dollar principal and interest in legal tender ALL DEBTS accrued by the American people. I am an XXXX and Global Lending Service is trying to force me to pay for a debt that has been paid. In my credit report, they claim that I have a balance after they Repossessed the car and sold it. I had requested to show me proof that am still have to pay {$8600.00}. But they always claimed that the debt was going to remain in my report until I pay in full. But they never provide a full accounting report. My consumer report shows that I have a balance of {$8600.00} on a closed account. However, when it comes to report what it my monthly payment it shows {$0.00}. The claim is that my last payment was XX/XX/XXXX. The worst payment status they have not reported any information. How can they represent that my dispute was resolved when the reporting agencies have not been provided with the correct information? The account was closed on XX/XX/XXXX. But on XX/XX/XXXX they sent me a bill in the amount of {$480.00} due by XX/XX/XXXX.
09/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30168	Web
On XX/XX/2019 I went to XXXX ( XXXX XXXX XXXX ) with an already approved loan from my current credit card company XXXX XXXX '. I was willing and ready to use my XXXX XXXX auto loan without hesitation. My salesman apparently ran my credit with MULTIPLE lenders WITHOUT my permission or knowledge on doing so. Not to mention, I have a 'Fraud Alert ' on my XXXX which should have prevented anyone from gaining access to my credit account without my approval. It wasnt until I checked my report 30days later and seen such transactions. I did not authorize all of these auto lenders to run my credit as I have been diligently working to build my credit and with all of these hard inquiries it has brought my credit score down. I have made attempts to contact XXXX XXXX regarding this issue but was informed there is nothing they could do, that I would need to dispute these transactions with the lenders. I would NEVER have authorized all of these hard inquiries when I was already approved for an autoloan. I tried to upload my XXXX XXXX XXXX XXXX approved loan but since I purchased the car, I no longer have access to such document
09/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10456	Web
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. NY XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
08/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 233XX	Web
I checked my personal credit report, which I acquired from XXXX, XXXX XXXX, and XXXX XX/XX/2022 and I noticed Multiple unauthorized credit inquiries had been made. Under the Dodd-Frank Wall Street Reform and Consumer Protection Act, I Have the authority to take action against institutions engaging in unfair, deceptive, or abusive practices. Under the terms of the proposed consent order filed today these inquiries where not bought on or made by me. I contacted The Credit Company who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above XXXX XXXX XXXX XXXX VA, XXXX. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter,
02/09/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	DC 20020	Web
Global lending services has refused to remove the ( XXXX ) 30 day payment reporting sent to the XXXX credit bureaus. The only month that i was 30 days late was for the month of XXXX XXXX yet the company has continues to report me 30 days late for the months of XXXX ( received XXXX payments to make up for XXXX ), XXXX, XXXX XXXX and XXXX XXXX. I also have documentation giving me an extension for XXXX and XXXX XXXX and yet they have already reported me 30 days late for XXXX. This information is inaccurate. I have statements from the company 's own website glspay.com with payments history showing payments were made before the 30 day late period. I have also have bank statements that show, the company has received over {$3000.00} in payments since the Month of XXXX XXXX. Ive tried speaking with customer service, even after explaining that the payments were made through their system on a bi-weekly basis there has been no compromise. I have email, called, left voicemails, provided bank statements, and pleaded. I really need those late payments removed because i did not pay 30 days late except for XXXX XXXX.
07/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WA 98004	Web
I have called global lending services, my auto loan company, and they admitted they misallocated a payment incorrectly in XX/XX/2020 and applied a portion of my payment to my late charge balance which it should have not done so. It should have applied my payment first to the principal and interest in accordance to fully satisfy my monthly payment. The misallocation in XXXX left a small balance less than XXXX $ dollars carrying over and putting me more than 30 days past due on my most recent credit report for XXXX. But has the misallocation not occurred in XXXX I would have not gotten a late payment for XXXX as my XXXX payment became just due XX/XX/XXXX and I satisfied my XXXX payment on XX/XX/XXXX with a debit card payment of XXXX. I need my payment history for XXXX of 2020 to be fixed on all three bureaus because I have been working hard to avoid a 30 day late so I can rebuild my credit and now my scores have dropped more than 30 points due to this error. I have spoken to an account manager today XX/XX/XXXX And he assured me the issue will be fixed but I need to ensure this is handled ASAP
04/07/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 32837	Web
I purchased a vehicle in XX/XX/XXXX I made first payment in XXXX Im trying to refinance as it it showing I still own the full amount of the loan. I called the lien holder who told me that in order for just 14 % which is the interest applied to the interest I would have to call each time and give verbal consent and will only be done that way as long as I request that or they will apply as much as they want to interest and anything left over to principal the lien holder never advised me I had to do that and I believe purposely kept that information from me in a predatory fashion Effective Date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Principal Balance {$32000.00} {$32000.00} {$32000.00} {$32000.00} {$32000.00} Payment Amount {$32000.00} ( {$680.00} ) ( {$680.00} ) ( {$680.00} ) ( {$680.00} ) Principal Adjustment {$32000.00} {$0.00} ( {$270.00} ) ( {$150.00} ) ( {$360.00} ) Interest Adjustment {$0.00} ( {$680.00} ) ( {$410.00} ) ( {$520.00} ) ( {$320.00} ) Interest Balance {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} Interest Calculated {$0.00} {$680.00} {$410.00} {$520.00} {$320.00}
04/01/2022	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	TX 75701	Web
I have asked GLOBAL LENDING SERVICES XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX to show me a original contract with my signiture on it showing the alleged debt that GLOBAL LENDING SERVICES claim that I owe {$15000.00}, and all GLOBAL LENDING SERVICES have provided me are statements to an account that GLOBAL LENDING SERVICES can not prove is mine. GLOBAL LENDING SERVICES have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) Failure to validate this alleged debt. I refuse to pay this alleged debt. Please cease and desist all collection activities I would like for this to be taken off my XXXX, XXXX and XXXX credit reports immediately as of XX/XX/2022!!!. and never to be put on there again. 15 USC 1692cI Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
07/31/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	IN 464XX	Web
I never entered into a contract with Global Lending Services. they bought my debt for there monetary gain but has since harmed my reputation as a consumer / natural being. my rights and defamation of my character has been violated due to there inaccuracies. I disputed the account XX/XX/XXXX and the account was removed on XX/XX/XXXX which has been falsely reporting on my consumer report since XXXX. Global lending services behest a towing company by the name of XXXX XXXX XXXX XXXX of XXXX, XXXX XXXX to steal my property from my place of abode. Let me remind you I never entered a contract with neither organizations so there was no reason neither organizations to know where to send any false and deceptive forms yet to steal my property which was for personal, household, and family use. I have since been without a vehicle and this violation of my consumer rights has since caused myself and family emotional distress from Depression of me losing my vehicle, loss of work due to not having a reliable means of transportation, XXXX XXXX, embarrassment, and XXXX.
09/05/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07047	Web	Older American, Servicemember
I have request PROOF OF CONTRACT to substantiate a claim that I owed the amount {$3300.00}. to XXXX XXXX XXXX. The XXXX nor the collection agency provide me with a CERTIFIED copy of an authenticated original contract with my signature, Specically Naming XXXX XXXX XXXX as an entity entitled to enforce a commercial claim against me. The Reporting Agency send me onXX/XX/XXXX and updated account Investigation Results as Verified as accurate. But their answer is just a computer generated document with a copy signature that is not mine. They failure to Validate the account and to send me a notarized document that will demonstrate that the " investigation '' was conducted properly. The same happen with a XXXX case charging me with a {$580.00} as of XX/XX/XXXX. Moreover, they have reporting in my credit report a Global Lending Services, for the amount of {$8600.00} in this case I filed a dispute letter that the collection agency fail to informed me about why they failure to follow New Jersey repossessing Law, and failure to Validate the account
02/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL XXXXX	Web
XXXX & XXXX are reporting inaccurate information. The account Global Lending Services XXXX was included in my Chapter XXXX Bankruptcy filed on XX/XX/XXXX. The account was previously reporting correctly but for some reason on XX/XX/XXXX They updated this account and now it appears as if i just missed a payment in XX/XX/XXXX. I've attached a screenshot of the report and highlighted the information which is causing this issue. I'd like this to be changed back to how it was, the account should not have any updates since the bankruptcy on XX/XX/XXXX. This is now making it appear as if i've missed a payment recently and is reducing my FICO score and affecting my ability to obtain credit. I've already tried disputing this information but it seems the credit bureaus don't even read my dispute and just simply have an automated machine do the work which does not understand the issue. This should be illegal as it allows credit reporting companies to get away with reporting inaccurate information affecting our credit approvals and interest rates.
02/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33025	Web
While checking my credit report, I notice an account from Global Lending Services that I believe is not being reported correctly on my credit report. On XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than 30 days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that Global Lending Services is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
04/22/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30344	Web
I have an account with Global Lending Services, account # XXXX. I have been told that the fees will not create a problem with my performance. The statement was untrue. The fees have come up even on my billing statement. My balance should've been {$1000.00}. They also tried to run a payment multiple times, creating other expenses on my account. I took care of the charge, but they refused to remove the fees and attempted to rerun it. The organization 's representatives keep overshadowing the calls. Per FDCPA they have committed violations and they have violated the CFPB. I do need them to adjust the balance on my account to reflect {$1000.00} in their system ad on paper before I pay anything else on the account. Until the account balance is fixed, they shouldn't be able to repo my car. They also contacted my relatives before calling me when I was requested not to unless my phone was disconnectedthey called over three times a day without leaving a voice mail. I asked that they give me time to return the call, and they did not.
03/30/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	AL 366XX	Web
I have called Global Lending Services for over 6 MONTHS requesting assistance due to a financial hardship from XXXX, a XXXX in my immediate family, & a decrease in income/work hours ( which now has become a permanent job loss & I have applied for unemployment ). EVERY time I was DENIED any type of help! Although I knew it was confidential/private, due to HIPPA I offered to provide documentation of all times I was XXXX XXXX XXXX XXXX XXXX results, and also the XXXXXXXX XXXX XXXX XXXX of my family member. I was still denied any assistance or help and they call me 3-4 times a week HARASSING me about paying! I borrowed money and made a payment in XX/XX/2022 ( to try to refrain from being 90 days late ). On yesterday, I woke up and they had repoed my car!! Because the month of XXXX had not ended, I thought I had until XX/XX/2022 to make a payment & was hoping to receive my income tax refund or unemployment on of before this date. I had to borrow money AGAIN from friends & family ( almost {$2000.00} + XXXX XXXX XXXX XXXX )
03/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	SC 29209	Web
I received a copy of my credit report today and discovered an alleged hard inquiry, I do not recall authorizing GLOBAL LENDING SERVICE inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. U.S. Code, 15 U.S.C. {$1600.00} et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirm= physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me and only me. Please provide proof of permissible purpose by furnishing to XXXX & XXXX documentation of credit application with proof of signature showing that I indeed applied for credit with this company, else wise delete the alleged inquiries immediately.
04/08/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	TX 752XX	Web
My insurance company submitted a claim to the lender Global Lender Services on or before XX/XX/2019 following the date my car was deemed totaled. Myself and agent contacted the lender and we were informed a claim would have to be put in with them as well. As of this date, the lender and the insurance company were in contact. On XX/XX/2019 I was sent an email that stated the claim had been processed and my remaining balance was {$2600.00}. My payments are due the XXXX of every month with a ten day grace period. The week of XX/XX/2019 I contacted the lender to set up a payment plan for the remaining amount. I was informed that I would need to pay {$620.00} a month for the remaining amount and the only other option was to charge it off onto my credit until the balance was paid. I have no late payments and the lender had already received the insurance payout at this time. On XXXX On Friday, XX/XX/2019, I received a statement with a late fee. When I called into the leader I was informed I personally had not made a payment.
11/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	DE 19805	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Also, this is to inform you that there is no third party involve in this process. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by the Bureaus. Despite sending them written letters for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, they have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : GLOBAL LENDING SERVICE Date of inquiry XX/XX/2021 GLOBALLEND Date of inquiry XX/XX/2021
03/31/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	OH 43110	Web	Older American
I purchased a Chevrolet Cruze LT from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Ohio XXXX ( XXXX ) XXXX on XX/XX/XXXX ( my credit score was XXXX ). They directed me to Global Lending Services for the loan ( I had previously been with XXXX XXXX@4.9 % ). Since the purchase, I have had nothing but trouble. I had to cancel a {$1500.00} ( extra ) warranty that the dealership had told me I should buy. My last statement shows a repossession fee of {$100.00} added to my bill ( my car has not been repossessed ). In XX/XX/XXXX I made a payment of {$XXXX} payment to catch up ; however, I requested a payment history summary from Global, and, the payment history shows I was credited with paying only {$XXXX}. At the beginning of the loan the pay-off was {$XXXX}. During the past year, I have made over {$7000.00} in payments, but my pay-off is still well over {$20000.00}. Global refuses to allow me to change my payment due date ( I have requested a new due date XXXX to help me make my payments on time ). I need help from somewhere.
02/19/2023	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	GA 31406	Web
I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX. In less than 6 months, the vehicle began having issues with the AC and I had to spend money to have the vehicle repaired which caused me to fall behind in payments. I also needed to purchase a battery which was reimbursed for by the car copy. I explained to Global lending Services the situation with the repairs and was told that I basically had no choice but to pay. I offered to have the late payments out on the back end of the loan, they refused because it was less than 6 months. They came and repossessed the vehicle and there is a XXXX balance I told them that this is a wash because I was sold a vehicle that clearly did not get fully inspected or repairs and the " warranty '' I got from them included in my purchase was suppose to cover things like this but didn't. I was also told during the contract signing it would be covered but it is not. Additionally I was supposed to have GAP coverage but it was not added. I was lied too through this entires process.
10/27/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30014	Web
On XXXX/XXXX/XXXX I was told an auto loan was opened in my name which I got a vehicle in XXXX/XXXX/XXXX. That vehicle is now reporting on my credit report as a repossession as well as reporting twice. I have called XXXX XXXX and XXXX. I was told by XXXX that they verified the account and I can continue to dispute the same issue. XXXX also told me that they see that it is a duplicate account and the sad part about it, that I clearly states a duplicate account with the same account number I have also asked Global Lending Services for a copy of my contract and to no avail did I get anything from Global lending or XXXX which stated to me that they do n't have to verify anything with me what XXXX told me is that they only report what is given to them no matter If there are any issues I need to take that up with the company. No matter how many times that I explain that they are damaging my credit by reporting this same vehicle twice with 2 different amounts on it they said it would be nothing that they can do.
01/26/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	TN 373XX	Web
At the start of the year me and my girlfriend got a car from a used lot. It was our first car purchase ever. Unfortunately we were lead to the XXXX that they claimed was a steal for the price. It was listed at {$34000.00} but after it was said and done it ended up at {$42000.00}. The only issue is when we were running our credits I had none and my girlfriend had a score in the 500s, we shouldnt have been able to get that car. I made {$2800.00} a month and my girlfriend wasnt working. After paying my monthly payment, gas, insurance, rent, and food. We were almost negative monthly. It clicked to me that during the credit runs XXXX XXXX from XXXX XXXX XXXX, told us he told the lenders we made {$4000.00} each a month. This didnt click to me as a bad thing cause I got my dream car. Now Im {$15000.00} in debt to a company that the salesman lied to. Global Lending LLC, they are the lenders we owe. We dont blame them as our salesman lied, he may try blaming us but we showed him our bank accounts and money flow.
11/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19040	Web
I am writing to file a complaint to GLOBAL LENDING SERVICE regarding the reported unauthorized inquiry on my credit file that is not certifiably compliant and proven valid and/or not documented as fully true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX. My date of birth is XXXX, and the last XXXX digits of my social security number are XXXX. The FTC report number associated with this complaint is XXXX have identified likely mendacious and certainly unproven complaint reported account on my credit file that are inaccurate and erroneous l. As a consumer, I am within my federal and state consumer and/or civil rights to demand and/or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular item that you are reporting under FACTA Title 1 sec. 151 that unambiguously obliges a recounted of the modus. This is a formal dispute of information and reporting.
07/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78577	Web
On XX/XX/2019, I stopped by XXXX XXXX ( XXXX, XXXX, XXXX ) Dealership. I test drove a car and the sales rep was being very pushy about working numbers out even though I told him I was just looking around at several dealerships. Since they were about to close, he asked me to fill out the top of a form for his supervisor to show me some numbers without running my credit score and that he would call me back on Monday. 10 minutes after I left the dealership XXXX notified me XXXX/XXXX XXXX XXXX had added an inquiry to my report. On the morning of Monday, XX/XX/2019, six more inquiries were added to my report from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, GLOBAL LENDING SERVICES, and XXXX XXXX XXXX. Later that day the sales rep called me to inform me I was approved for a loan of {$20000.00} and I confronted him about all the reports, and all he said was that in order to show me accurate financing numbers his supervisor had to run my report ( even though I had not authorized it ).
03/09/2022	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	AL 367XX	Web
I have submitted a compliant with this office on XX/XX/2022 about several accounts on my credit report that are inaccurate and not mines. I have sense then checked my credit report and its states the items were verified so I reached out and asked for some information on when where and who were spoken too. I have not received a response I have an account with all three companies and each has different information. Global lending services which says a repossession and on XXXX it states open and on time I request that all unverified items be removed from my credit report immediately this has been more stressful than dealing with XXXX. Which I have been a victim of 2 times causing me to loose pay and have a XXXX and now to top it all off I have inaccurate items on my credit which is affecting me to purchase a home. I also want to complain on the CFBP for not assuring and communicating with me in response to my issues I am owed a fair and accurate credit report by FCRA code 809b and 610a.
07/28/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 75104	Web	Older American
I purchased a vehicle in XX/XX/2021. Global Lending Services was my loan provider. I set my payments to be automatically debited on the XXXX of every Month, 2 weeks prior to the due date. On XX/XX/XXXX, I traded the car in and purchased a new vehicle. The payoff amount quoted at the car lot is the quote they were paid. On XX/XX/XXXX, Global Lending debited my account for a {$480.00} payment erroneously. I contacted the company and was told it would be deposited back to my account once they received they paperwork from the car dealer in 10 days. I called back again on XX/XX/XXXX and was told that I had to wait on them to process the paperwork and a paper check would be sent out the week of XX/XX/XXXX. I called the company on XX/XX/XXXX and was told the checks were sent out on Thursdays which would have been XX/XX/XXXX. Now it is XX/XX/XXXX and I call the company and I am being told that my check will not be mailed until XX/XX/XXXX. This is really ridiculous and totally unacceptable.
02/13/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	IN 46218	Web
I the consumer and natural person was denied line of credit by Global Lending when I submitted a consumer credit application to obtain a vehicle which is a violation of cfr 1002. Adverse action against a consumer is against the law according to the Equal Credit Opportunity Act which is codified 15 u.s.c 1691c and is pursuant to civil liability under 15 u.s.c 1692k. I have proof that I was discriminated against due to your letter that was sent 1/3/23 which makes you criminally liable for violating 15 u.s.c 1691. Furthermore, my social security card ( credit card ) was used, and I received NO BENEFIT which is proof of fraudulent activity on behalf of Global Lending. If Global Lending fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make Global Lending criminally and civilly liable for all actual damages pursuant to 15 u.s.c 1681n and 15 u.s.c 1681o. Without Prejudice All Natural Inalienable Rights Reserved.
07/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32117	Web
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
07/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20782	Web
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MD XXXX ( manager XXXX ) processed my credit report in a way that I did not consent to, authorize nor benefit from the following inquires and I am filling a FTC report and complaint with the CFPB. I informed the manager ( and sales manager ) I had a prequalified loan from XXXX XXXX and I wanted to utilize XXXX XXXX or XXXX XXXX and that I did not want my credit run multiple times or beyond the XXXX XXXX or XXXX XXXX. I was not told until after multiple inquiries that the dealership does not work directly with XXXX XXXX XXXX navigator which was fraud. the below inquires I did not consent to and I am requesting they be removed - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Global Lending Servi - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have confirmed with sales manager XXXX on XX/XX/XXXX that he was trying to help but this was not authorized and misleading and should not have been done without my permission
06/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19122	Web
I am writing to file a formal complaint against XXXX XXXX XXXX XXXX, who has used my consumer profile without my consent or knowledge. They have engaged in defamation of character by providing incorrect and biased information to a third party company who used information supplied by XXXX XXXX XXXX XXXX, to deny me an extension of my own credit. As a consumer, this has severely harmed me and caused me to be unable to purchase essential consumer goods and services based on false, erroneous and biased information being supplied by them. XXXX XXXX XXXX XXXX provided a credit score of : XXXX as well as other biased, erroneous information without my knowledge or consent. I applied for an extension of credit in good faith with the company : Global Lending Services, Application ID # XXXX, and was denied. XXXX XXXX XXXX XXXX, and their practices has caused me serious harm and emotional distress as a consumer looking to obtain essential goods to provide for my family and well being.
09/14/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	TX 77433	Web
XX/XX/2022 I was denied credit by GLOBAL LENDING SERVICES I was under the impression that XXXX XXXX XXXX that they were only going to take a look at my credit then I started receiving inquiries from GLOBAL LENDING SERVICES and another bank but was not approved. I received an adverse action letter from GLOBAL LENDING SERVICES stating " We regret to inform you that we were unable to offer you Credit on the terms originally requested. However we could approved your application if certain terms or conditions are met. '' I was denied an extension of my own credit have damages dragging down my credit score but not car nor credit. 12 car 1002.7 states " A creditor shall NOT refuse to grant an individual account to a creditworthy applicant on the basis of sex, marital status or any other prohibited basis ''. I have clearly been discriminated against and that is unfair I did an application with good faith and good intentions and haven't received the same in return.
11/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33311	Web
I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the companies listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. I have Contacted each creditor individually and all have stated the proper documentation & request has been sent to your bureau to have this inquiry removed. I ask that it be removed immediately from my credit file.
10/03/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	NJ 07203	Web
Global lending I had a passed due balance of XXXX 3 months behind I asked for deferred payments because I lost my job and I have a XXXX XXXX XXXX child. Nobody gave me a chance and I was being pressured to still pay the balance. I was NEVER warned that the car was going to be picked up for repossession. I woke up and my car was gone I was told that I had time pay off the balance so I can get my car back. I Called the car lot and the car was sent to the auction weeks from the actual date so I can get it back. it was sent off XX/XX/2023. the action date was XX/XX/XXXX. I had until the end of XXXX. this is ridiculous and unfair to me. now the car went to the auction and now I have a closed account with repossession on my credit report. I lost my job and I have a XXXX I am currently struggling financially with only receiving with XXXX $ from unemployment and I have rent to still try to maintain. This is terrible and I feel like they have scamming tactics.
06/14/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	MD 20902	Web
I purchased a used vehicle from XXXX XXXX XXXX XXXX XXXX in XXXX 2017 . They secured financing for me through Global Lending Services. I purchased the vehicle in XXXX , but I live and work in XXXX . I am XXXX years old and this is my first major purchase. The dealership charged me for tags and title, but to date I still have not tags or proper registration for my ca r. Global Lending S ervices told me they do not have the title and I ca n't get anyone from XXXX XXXX XXXX give me a clear straight answer about where the title is, or even to call me back for that matter. This is very frustrating because my temporary tag s ( 2nd set ) is about to expire yet again. I 've paid inspection fees in XXXX , and I will have to pay for tax, tags an d title in XXXX . I would like the title to my car, or the information I need to get the car properly registered, as well as a refund for the tags and title I paid for in the state of XXXX .
02/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	GA 30309	Web
XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX To Whom It May Concern : While checking my most recent credit report, I noticed a unauthorized and fraudulent credit inquiry made by this company. Inquiry was made on XX/XX/XXXX by XXXX XXXX XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. - Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that this fraudulent inquiry be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611
12/20/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CT 067XX	Web
Stop reporting me late I do not have an arrangement with you, nor do I make payment to you. This account is in dispute I do not owe these people this type of money. his companies is reporting me late to the credit bureau and I am being refused credit because of them. This account is old and in dispute I do not have a payment arrangement nor a payback or anything because I do not owe them anything. What right do they have to continue to report me late for the sole purpose of discrediting my integrity? I have not had this account for many years, and it is closed why are they still able to report me as being late. The company is a fraud a prey on poor people why would you repo a car and take it back after 1 missed payment and sell it for XXXX and the car was 2 months old. It is all a scan to make poor people worse that it. I do not owe them this kind of money. I ask you to get them to stop reporting me late for something I have no credit with.
09/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77066	Web	Servicemember
I XXXX XXXX ( natural person consumer ) reached out to company after i noticed the inquires on my consumer report. They stated that they had permissible purpose, So I asked them to provide the document where I gave them permission in Pursuant to 1681b2 It's been over 90 days company has failed to provide documents I originally submitted this on the XX/XX/2022 to CFPB and yall closed my investigation report stating that I already reported this problem, CFPB also mailed a letter to me stating that someone filled a complaint under my name. Suggesting someone other than me submitted the complaint. I assure you I XXXX made the complaint without the help of anyone that did not identify themselves. So CFPB is giving me misleading information as of now because you state one response on your website which is different from what you mailed to me I will attach the letter I received so that you can reference previous complaint to reopen investigation
09/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75044	Web
The Global Lending Services LLC company has been reporting incorrect late payments for years since XXXX. I have reached out to them and also the credit bureaus namely XXXX, XXXX and XXXX. Nevertheless, none of them did anything to correct the problem. I am attaching proofs of my payments to Global Lending Services for the last 4 months. Yet they still report a 30-day late payment on my XX/XX/XXXX reports across the bureaus. The credit bureaus mentioned above also did nothing. Every time I send in a request for investigation on the late payments, they also come back to me with a statement declaring that all late payments are verified. It is obvious and evidently that those late payments are wrongly noted. I even send in document from GLS LLC themselves to prove that I was not late. This is clearly a violation of FCRA and other consumer laws. I plan to take this company and the bureaus to court if they do not want to correct this problem.
09/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77042	Web
My Wife and I called Global Lending customer service several times between XXXX, Request for the removal of a late payment reported to my credit. The payment was made on XX/XX/XXXX and XX/XX/XXXX. We spoke with the manager on duty, and they agreed to send us the payment history but was not able to remove it from my credit report. She told us, a payment for {$400.00} was made on XX/XX/XXXX and I was late paying {$53.00}, that is why they report it as a late payment. I made an additional payment on XX/XX/XXXX in the amount of {$900.00} to clear up the account, but they were not able to remove the late payment from my credit. In the past, I asked if my payment due date can be changed to a later date because it was conflicting with my rent that was due on the same day, and it would allow me to make my car payment on time if the date was changed. I explained to the manager on Wednesday XX/XX/XXXX and she agreed to change the due date.
06/23/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	OK 740XX	Web
This debt with Global Lending Services, 3rd party creditor, and original contractor XXXX XXXX XXXX in XXXX, Oklahoma. The original dealership sold my contract without proper disclosure. I had my car seized without proper cause. I tried to remedy and the " creditor '' stated they would contact me within 48 hours. Instead the car was reposted within 48 hours without notice. The tow truck driver pushed me, kicked the car door shut, drove away without allowing me to get personal essentials within the vehicle. Payment remittance was sent to pay any outstanding balances. The " creditor '' said sorry we did not get. I am a XXXX XXXX XXXX and the SOCIAL SECURITY NUMBER was demanded 5 times by phone on XX/XX/2023. My consumer statement supplies information to remedy their violations. {$2000.00} per violation. I am a traveler not a commercial driver. I also requested ARBITRATION under the Arbitration Clause but denied as per contract.
06/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 23324	Web
These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
08/31/2023	Yes	Vehicle loan or lease Loan	Repossession Account reinstatement or redemption after repossession	NJ 070XX	Web	Servicemember
I paid off all fees due to get my vehicle back which I did get back ( the vehicle ) in the month of XXXX. I was told it would be 3 weeks for a title flip even when they read their terms with me it said the same thing. It's been 6 almost 7 weeks and they refuse to do the title flip. I'm paying for a car I can not drive as the registration is expired. Every time I call they say XXXX will contact me back or she's stepped out the office. I've called at different hours on different days and have been given that same response. It's causing high stress as I need my vehicle. I am paying for this vehicle. I paid all fees and still XXXX who handles the title flip refuses to contact and update me on the title flip issue. I regret making the choice of purchasing this vehicle with these people. Not to mention when I paid for XXXX they took the money and paid for " miscellaneous fees '' as they called it, I didn't authorize that.
03/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 38125	Web
NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting on unauthorized inquiry my consumer report. I have not given you permission to access my credit profile and you have r permissible purpose by law to contact third parties with my private or personal information. Yo offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You hav transferred, possessed, or used, without lawful authority, a means of identification Is a felony punishable with Lip to 2 years of imprisonment, in addition to civil liability By obtaining my CREDIT BUREAU consumer credit report on DATE Without my permission or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( 'FCRA '' ) codified at 15 U.S.C 16186 ( 0 ) 3 ( 000. Chesterv. Purvis, 260 F. sup 28711 ( S.D Ind.2003 )
10/04/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	TX 76131	Web	Servicemember
Global Lending Services repossessed the vehicle in XXXX of 2018 after trespassing on private property, I went to retrieve the vehicle and or my belongings out of the vehicle within one week and was told that I couldn't pay my past due balance to get the car back, that I was in breech of contract and that the vehicle would be sold at auction. Although I signed an agreement with them to extend the payment plan after loss of employment. XXXX did not let me retrieve anything that I had in the vehicle to include my childrens car seat and they sold the car at auction, recuperated the amount of the loan and still continue to report me late to the credit agencies every month. CEASE & DESIST REPORTING OF PAY STATUS ON MY BEHALF PURSUANT TO 15 USC1681B CONSUMER REPORTING IS VOLUNTARY AND I AM NOT VOLUNTEERING OR GIVE PERMISSION TO PROVIDE REPORTING OF ANY NEGATIVE ACCOUNT STATUS TO ANY CREDITOR, CRA, THIRD PARTIES
04/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX XXXXX	Web
The company Global Lending has been reporting on my credit that the account is past due even though I have disputed the account due to the fraud that occured when account was opened. The company continues to tell me they are waiting to get in contact with the car dealership ( XXXX XXXX ) to have them cancel out the contract. I was told by a man name XXXX in the escalation department that he was going to remove the negative status on my credit, When I called in about it I was told by a manager he never made any note of it. When I told her last week that i ha proof he said it she said she was going to go back and pull the call and call me back, when she called me back she heard him say it. It was reported deliquent around XX/XX/2020, Even though i had filed the compalint with Consumer Financial Protection bureau on XX/XX/2020 disputing the debt and their practices and then i had been complaining for months.
07/11/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	AZ 85339	Web
I entered into a loan agreement in XXXX. I've had open and continued throughout 52 payments which double what the car was even worth and still have 14 payment {$420.00} per month left. I have proof that on or around XX/XX/XXXX, my leasing company Global lending services llc called me and told me that if I made 1 payment for my past due amount of {$35.00} they would push two payments back and that I would be current. I made the payment and they did not follow through on their end. Next call I received was the repo man. They made me believe that I was ok and I was able to focus on my other bills. I feel they failed to follow through on the new agreement they set. I already feel I've paid way too much for this car for them to cheat me and take it. I am a single mother of a XXXX XXXX daughter in 116 degree weather. I can't afford for them to do this now they want {$2000.00}. They also messed up my credit.
11/25/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Loan opened without my consent or knowledge	FL 33056	Web
In the month of XX/XX/ I noticed multiple unauthorized account on my credit report that I need removed because it has cause me a lot of issues due to them still being on my report. On XXXX I have 4 unauthorized hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GLOBAL LENDING SERVI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
09/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60611	Web
XXXX XXXX XXXX Sales Associate ran credit report with other lenders after I explicitly advised staff that I all already had a pre-qualification later and was pre-approved for auto loan financing through XXXX XXXX XXXX. I told the associate explicitly that I did not wish to have any hard inquiries on my report and that I only was seeking financing with XXXX XXXX and that I only authorized my credit to be examined through XXXX XXXX. I already had credit monitoring and an active credit card account with XXXX XXXX. XXXX XXXX XXXX appears to have ran my credit with the folllowing lenders, which are XXXX XXXX, XXXX, Global Lending and XXXX XXXX all on XX/XX/XXXX. All of these hard inquiries will remain on my credit report until XX/XX/XXXX. I did not authorize for any of these companies to run my credit profile. I only wanted to determine an approval for auto financing ONLY through XXXX XXXX XXXX.
09/15/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	FL 32714	Web	Servicemember
So I bought this XXXX XXXX XXXX From XXXX XXXX on XXXX XX/XX/XXXX First of all the car was highly overpriced for what the value of the loan is. I pull up the XXXX XXXX book value of the car is XXXX dollars they sold to me for almost XXXX and with so many problems like the engine is messed up and door behind the driver is broken.. Engine and light in front is broken I havent had this car for even three months yet and it has so much problems. To make matter worse I got sick and had to spent time in the XXXX Im behind on payment and company refuse to lower my payment to what the car actually worth or give me a deferral for 90 days This car is lemon and if I can get this resolved through this XXXX Im planning on taking the legal advice that was given to me to pursue both company. Also this company call me XXXX to XXXX times a day during my resting part.. They harassed me everyday
10/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 770XX	Web
In accordance with the Fair Credit Reporting Act. XXXX Accounts : XXXX. Global Lending Services # XXXX XXXXXXXX XXXX XXXX XXXXXXXX Has violated my rights. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for and purpose. Also, ACCORDING TO 15 USC 1681a- Definitions ; rules of construction. ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s- 3 of this title, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; ( LATE PAYMENTS ARE CONSIDERED TRANSACTIONS ) Therefore should not be reported to a consumer report.
10/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29445	Web	Older American
In XXXX, my husband and I went to a XXXX auto sales place in XXXX SC. We both signed a document that allowed the sales representative to pull our credit. I am XXXX XXXX and my husband is XXXX XXXX. Once the sales package was presented to us on a XXXX XXXX XXXX, my husband, XXXX XXXX, declined the sales offer. In order to purchase the auto in just my name, I had to come up with more down payment. I have tried for 5 years to straighten this out with XXXX XXXX who handled the loan and they continue to say my husbands signature is on the loan when it is not. Due to XXXX XXXX refusing to remove my husbands name and derogatory credit history from all 3 bureaus, it has caused my husband to not qualify for other credit products. My husband wants this unfair credit reporting completely removed from his credit file. Whatever signature XXXX XXXX is going by is not my husbands signature
08/16/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	IN 464XX	Web
On XX/XX/2023 @ XXXXXXXX XXXX XXXX XXXX XXXX was contacted by telephone by a Global Lending Service Rep by the name of XXXX XXXX this is the number XXXX XXXX XXXX use to call me ( XXXX ) XXXX XXXX XXXX stated she see I have a cease and desist on file and she continued by saying I owe this auto loan debt where they received by information from XXXX XXXX XXXX. She completely ignored me, harassed me, and continued to talk over me as i tired to tell XXXX XXXX XXXX all communication should be via mail or email she violated me by telling me to pay this debt. i continued to try to tell she is in violation of my consumer rights under fdcpa and fcra. XXXX XXXX XXXX then hung the phone in my face. She not only violated my rights but she also violated several federal laws as well. XXXX XXXX XXXX has caused me more emotional distress from this phone call i should not have received.
11/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	SC 29483	Web
The law states 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I didn't give this company any written instructions to furnish my credit report for any reasons. This company is in violation of multiple laws like Identity Theft as I did not provide my personal information to them and In violation of 15 USC 1681b permissible purpose. I am requesting that they show proof of the written instructions given from me or remove the inquires from all three of the credit reporting agencies ( XXXX, XXXX and XXXX ) immediately as it has caused me to have a bad reputation, character, and denial of credit from lenders due to inquiry.
01/09/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	NV 89110	Web	Older American
I have an existing loan with Global Lending Service with an APR of 21.45 % and I am trying to get this loan refinanced to lower the monthly payment but the lender Global Lending Service has been calculating the interest more than the 21.45 % that I have signed up for giving me excessing pay-off balance. I have an offer for refinancing of and APR of 5 % which is a very acceptable car loan interest that I would like to have to fit my monthly budget but Global Lending Service Manager by the name of XXXX XXXX refused to look at their database of not calculating the correct pay-off balance and the correct interest accrued according to the APR 21.245 %. Please help by calling Global Lending Service to review my manual calculation according to my car loan contract and not according to their database calculation. Their database is ripping off consumers like me. Thank you.
03/22/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	TX 78109	Web
I was in an accident on XX/XX/2023. I opened a claim with the at fault drivers insurance. They took a while to get back to me so it was probably a few weeks after I was told that there was no coverage at the time of the accident. So I then opened a claim with my insurance. This was on XX/XX/XXXX. I reached out to the total loss department at global lending service. I was told my vehicle was at one location, and that it would be in transit to go to XXXX. My insurance went to XXXX and my vehicle was not there. They were given a new location and my vehicle isnt there. The company is unable to locate where my vehicle is at this time. This has been a month as of tomorrow & my insurance still hasnt been able to do the adjustment for my car. I really feel like theres something illegal going on because no one has any answers for me, theyre just giving me the rub around.
01/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	TX 77082	Web
Global Lending Services placed a fraudulent inquiry on my account on XX/XX/2020. I contacted via mail with a written letter to ask them to remove the fraudulent inquiry. Their first response on XX/XX/2020 stated they pulled my report based of a credit application submitted by XXXX XXXX XXXX, in which I did not give consent for them to run my consumer report. On XXXX XXXX they sent another letter stating they would remove the fraudulent inquiry. They are in violation of several FDCPA Laws which govern them and protect me the consumer against their piracy and predatory actions. They had no right or consent to use my consumer report. I also sent these documents and affidavit to their Registered Agent. The affidavit I sent was actually notarized, I can not make a copy of a notary signature so this copy in this complaint will not have the notary page filled out.
10/02/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 95008	Web
So far I didnt paid about {$11000.00} towards my {$17000.00} loan and theyre still stating that I owe the same amount. I try to talk to the supervisor to get where am I payments are being applied and they sent me a paper where it looks like they just typed up an amount to make it look right and even on that paper the amount is still not even right, Ive been getting harassing phone calls every day before XXXX oclock in regards to this loan I told the lawn service to stop calling and harassing me and they consistently do it without any regards to my request I was bought I bought this car on XXXX, pretenses of what the auto dealer lead me to believe and really I was scammed and fraudulently, misled by the dealership of what I was applying for in the outstanding balance that would be applied to my account Something needs to be done about this. It is not OK.
05/20/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CA 92054	Web
I got temporarily laid off from my job back in XXXX due to the COVID-19 pandemic. I tried to file for unemployment however due to my out of state income I have to call to finish my claim. I have attempted to call for months however am unable to get through. In XXXX my car loan company ( Global Lending Services ) gave me a payment deferral for the month of XXXX. Towards the end of XXXX they told me I would need to call in the beginning of May to get another deferral if my situation was the same. My situation is still the same and I called and they said they would not give me another deferral. I begged them and explained my situation however they would not work with me and said that I had to pay. I paid them XXXX dollars which was the very last bit of money I had to survive off of. They still are telling me I need to pay the rest by the end of the month.
02/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32208	Web
I reached to Global Lending Services about an Auto Loan that is reporting to the CRAs and asked them to provide validation that this debt is mine. Global Lending Services responded back with a copy of a car contract, a copy of the payment history, and according to federal law that does not fulfill a validation of debt. In order for Global Lending Services to provide a copy of the car contract, the contract has to not only be my signature but their signature as well. Which they don't have it. My debt validation is me telling Global Lending Services to provide all documentation they have on file, to provide how they investigated, and proof of that investigation. Global Lending Services are still reporting to the CRAs and I have sent in several CEASE and DESIST letters for the to stop all communication while they provide me Validation of this debt.
04/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 23223	Web
On date XX/XX/2019 Global Lending Service pulled my credit without my authorization from XXXX. Which is a violations under 15 usc 1681. Which clearly states that a person shall not use or obtain a consumer report for any purpose unless one the customer report is obtained for a purpose for which the consumer report is authorized to be furnished or two purpose certified in accordance with section 1681e title by prospective user of the report through a general specific certification. I XXXX XXXX did not initiate any type of transaction with Global Lending Service Further more under the fdcra any person who knowingly and willfully obtained information on a consumer ( myself the consumer ) from a consumer porting agency under false pretenses shall be fined under title 18,. Im willing to settle the matter without why admitted liability for {$1000.00}
10/22/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60609	Web
I have reached out to XXXX XXXX on behalf of global XXXX XXXX services, which is reporting to my credit as a repossession of a car. I am a victim of identity. I have sent in all the information to provide that I am a victim of identity .I have sent in my police report all of my correct personal information. I spoken with one of XXXX XXXX representative by the name of XXXX XXXX she advised me that global lending services is not accurately verifying the information that is reported they have not responded to none of the letters that was sent to them by XXXX XXXX she also advise me that global lending services are just stating verify it with no proof. I also have requested the contract that was signed supposedly by me from Globa Leading services still no response but Globa Leading services is still reporting an auto loan to my XXXX XXXX report.
08/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29609	Web
I have 2 issues here. The first in the incorrect reporting to the credit bureau and the 2nd is the unlawful charging of simple interest on the loan. I Paid on account on XX/XX/2020. I have a receipt showing that the payment was made XX/XX/2020 and the company states that the payment was made on XX/XX/2020. My payments are due on the XXXX of each month and should not roll 30 days late until after the XXXX of the month. I have tried reaching out to the company regarding this issue and has spoken to management ( XXXX ) who stated that there were some errors in reporting on my loan. If the company is posting payments the days after the payment is made, they are collecting interest that is not due to them. I would like a full review of my account and corrections made to my credit report and all unlawful interest credited back to the loan.
05/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IN 46205	Web
I just looked at my credit report and was shocked to see the numerous amounts of errors you have listed. I am writing to have you remove them immediately. The following INQUIRIES needs to be removed immediately : Creditor Name : XXXX XXXX, GLOBAL LENDING SERVICE, XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/2022 Reason : this inquiries were made without my knowledge or consent and I would like to be provided proof that I consented to these inquiries via FCRA section 609 and 605 as well as the accuracy of these inquiries via FCRA section 623. If you have no proof of any or one, I would like it removed immediately. By provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who posted them.
04/03/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	TN 38016	Web
This vehicle was repossessed by Global Lending Service in the State of Tennessee on or about, XXXX XXXX, 2019, and resold at an auction Under the laws of the State Tennessee UCC 9.506 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I did not receive such notification, but I do know that repossessed vehicles are sold at auctions for what's owed, which exempts me from all contracts. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
10/04/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 77090	Web
Approximately at XXXX, I spoke with a representative from Global Lending Service that For which whom I contacted in reference to my auto loan which was a consumer credit transaction. Pointed out violations including the finance charge, down payment and right to rescind. I also stated that I would like for the contract payments to immediately become ineffective for violation reasons, and requested {$0.00} balance auto loan on all three credit reports while also demanding rightful possession of title in hand. 15 USC 1605, finance charge is the sum of all charges. 15 USC 1692e false and misleading representations, 15 USC 1692j furnishing certain deceptive forms. I was never given any notices or forms to fill out for the rescission process. Any deceitful practices are in non compliance of congressional law. 15 USC 1692k civil liability.
11/14/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	NJ 08873	Web
Dear Sir/Madam, I am facing financial hardships, and paying off my balance with your lending service is becoming increasingly difficult. I have explored all possible options to pay off my debts, but unfortunately, it has become evident that I can not meet my financial obligations now. I am considering filing for bankruptcy as a last resort to manage my financial situation. I understand that there are better situations for both of us. Still, I hope you will understand my predicament and work with me to find a mutually agreeable solution. Please suspend any collection activities until I can get my finances back on track. I am committed to working towards a resolution and will keep you informed of any changes in my financial situation. Thank you for your understanding and cooperation in this matter. Sincerely, XXXX XXXX
08/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	FL 32221	Web
I have been paying my account on time for well over a year and there is proof attached, also the only reason XXXX XXXX marked my payment late was because of a error on the XXXX XXXX website. I was trying to pay at night on XX/XX/2022 and the website was not working. I ended up 1 day off and payed on XX/XX/2022 because their faulty website. That should not constitute a late payment. As promised by the CARES act I should be accommodated and compensated for this headache and emotional trauma that this has caused. Also, I contacted the company to try and get this removed but they would not comply and said that " We do not remove late payments '' My credit went down a TREMENDOUS amount as well and it made it very hard to to obtain new credit, I was also denied for certain credit products due to the fraudulent late payments.
07/30/2022	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	GA 30605	Web
I just came out of bankruptcy and I did an affirmation with my car. My case was closed the before this month. I was making payments throughout the bankruptcy but it didn't look like it was being applied to my account which we got resolved. The calls started XX/XX/XXXX and the rep said if I made a XXXX dollar payment they could do an extension. I told him I would make the payment but I would be making another payment on the XXXX. But I would think about the extension. I received 10 times since then every day up to today. I have even spoke with XXXX who is a supervisor yesterday. I told her the same thing. I was told that because their system is on an automatic dialer it's going to keep calling no matter what. 10 times in a week and all u say is your collecting a debt. U don't say where your calling from, this is too much.
05/15/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	NM 87002	Web
At the end of XXXX I called Global Lending Services requesting a forbearance on my XXXX car payment due to the pandemic. I was told to call back three days before my payment was due. I called back three days before my payment was due and was then told to all back once my payment was past due. I called the day after my payment was due and was told I had to call back when my grace period of 10 days ended. I called on XX/XX//20 ( 10 days grace period included ) and I was told my payment was late and that I could not move my XXXX payment to the back of the loan. I was told the only way they would do it was if I made a payment for XXXX then MAYBE they could move XXXX. This company is refusing to help people despite the current pandemic! Theyre taking advantage of the situation and lying to their customers in a time of need.
07/23/2020	Yes	Vehicle loan or lease Lease	Incorrect information on your report Account status incorrect	OK 736XX	Web
Ok so I got into a wreck on XXXX XXXX on XX/XX/XXXX I called global lending and advised them it was totaled out and I'm sure someone will be getting ahold of them soon over it so they had me fill out a total claims loss so I did and the car sat her in my driveway since well every time I found out something I called them and let them know as well they were okay with this process up until idk when but I woke up one morning and the car was gone out of driveway and loan and behold they canceled out my total loss claims and took the car filed it as a repo and called me to try and get me to buy it back from them so I can have it for the lawsuit its tied up in a lawsuit as we speak and they filed it as behind on payments since it was wrecked which is wrong they tried to force getting paid on it and screwed my whole score up
01/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75234	Web
The loan with Global Lending Services was included in a XXXX XXXX bankruptcy. In XXXX XXXX was dismissed and then refiled on XX/XX/XXXX. In XX/XX/XXXX I noticed that Global Lending Services had started reporting as an open account with a balance of {$6000.00} and that it was at least 60 days past due. When I called Global Lending Services, they advised they verified the bankruptcy was dismissed on XX/XX/XXXX, I advised that by that date the new bankruptcy had been refiled on XX/XX/XXXX. They have the ability to update my credit immediately, but they have not. This caused a XXXX point decrease in my XXXX and a XXXX point in my XXXX. Even if they update I will not get all of those points back. I am requesting the debt be removed in order to recover all points I have lost due to their error in order to make me whole.
10/21/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	NY 11412	Web
Global Lending Services violated multiple laws pursuant to the Truth In Lending Act and the Fair Debt Collection Practices act as shown by attachments. I am holding Global Lending Services liable for unfair lending tactics and unauthorized use of my social security card. The term unauthorized use, as used insection 1643 of title 15, means a use of a '' credit card '' by apersonother than thecardholderwho does not have actual, implied, or apparent authority for such use and from which thecardholderreceives no benefit. The definition of credit card under 15 U.S. Code 1602 ( I ) means, any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. The credit card used to originate this consumer credit transaction is my social security card.
02/08/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 93536	Web
I've made numerous attempts to get a billing statement and welcome packet. When I got the loan I was told there would be a way to see my billing statements online, there is not. I can make payments online through an online portal, but there is no way to view " my current balance '' Portal link : XXXX However, this online portal does not appear to be a secured system for logging too. ( A person only needs your email, zip, and account number- NO PASSWORD? ) Im extremely frustrated with this company, as today when I called ( like every other day I've called ) they validated my address and have make no indication that the address in their system wrong until today. Something I ask on numerous other calls and requests. I'm concerned this company 's methods are NOT in line with federal and/or state requirements.
08/30/2022	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	DE 19713	Web	Servicemember
I previously advised this company several time I dont wish to revive any contact, via calls and mail. I spoke with several representative and told them to place my account on Do Not Call. Ive still have been receiving calls and now to another number that was skipped traced by one of the representative. When I spoke to a supervisor today by the name of XXXX she tried to get my to verify information XXXX as vehicle and address I told her I dont wish to do so. I told her i received a call and my account is listed under do not call. She told me she can see that information apologized for call. She then proceeded to tell me Im getting calls because I owe I balance. Which is yet another violation because I dont verify my information with her. This is now the third complaint on this company about calls from me
06/15/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	IL 60621	Web	Servicemember
Global Lending applied for loan was approved but to my knowledge I haven't obtained any car with this loan company and I was notified that I had an account but when I tried to retrieve information about my account i get no information I lost my wallet about a month ago and I canceled my credit cards but my ID was also lost. I noticed that my accounts were being hacked or canceled once I pay amounts I these incidents to credit union as well as company I purchased items so I decided to get A VPN when I checked into my credit union my VPN notified me that my USB no longer was compatible to my XXXX to my knowledge I don't have A USB and wasn't plugging it into my computer I got this message numerous times then I heard A noise upstairs in another apartment moving around i hear this when I am on my computer
10/02/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	KY 402XX	Web
Basically I did n't qualify for the loan, I did n't have no credit history, I had a injury to my XXXX with 7 to 10 XXXX, I was under XXXX XXXX not to make any decisions or sign any documentation. I was young anxious to get vehicle and I already had a vehicle. I was able able to trade it in. Yet with no job or employment they used used old paycheck stub of my prior job was told to tell loan officer that I paid a down payment on the car date of the purchase but I didnt ... The whole loan was fraud I realize I got myself in over my head now my mom is struggling to help me pay for something she has nothing to do with it The amount of the full loan is XXXX with payments of XXXX a month for 72 months Date of purchase XX/XX/2016 XXXX XXXX XXXX XXXX is the lot I purchased and Global Lending is whow financed it
05/01/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MD 21216	Web
This is my second complaint regarding Global Lending, I have not received a fair closure from the first complaint of not being credited for payments and being overcharged with excessive fees. Now Global Lending is claiming that I owe for the month of XX/XX/2022, I clearly have receipts for payments in XXXX and XXXX. Global Lending stated a bank gave me a chargeback, which is clearly an outright lie, they refuse to give me the name of the institution. I explained to Global Lending it was my right to know the institution however they refused to give me the information yet continued to bill me for XX/XX/2022 and I have receipts from monies deducted as proof of that payment. I have a letter from the institution of the disputed charge, proof that funds were never deducted from global lending.
07/21/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TX 782XX	Web	Older American, Servicemember
XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm XXXX I did not authorize. I suspect fraud, and have reported this incident at XXXX, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. Thank you for your assistance. Sincerely, XXXX XXXX XXXX
06/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30312	Web
1. I was trying to buy a home and realized that i had damages on my report. According to 15 U.S.C 1681 laws there should not be any damages on my credit report. its a defimation of my character. 2. In 2021, I purchased a car and to my surprise I see several hard inquiries for the same loan and I never gave permission to this. The only company that had permission to pull my credit report was XXXX XXXX as they were financing my loan. The dealer finance department did not communicate this with me, and made several fraudulent puls on my account, They took advantage of the fact that this was my first time purchasing a car. I came in with a pre-approval offer from XXXX XXXX. I did not authorize XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX
02/03/2022	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Contacted you instead of your attorney	MI 48340	Web
The company breach our contract and did not oversee or maintain proper documents of insurance in XXXX months failing there legal responsibilities, and obligations as the lien holder. Making false complaints with the credit beau company. Breach of contract on the lien holder so the title holder will and shall be free of any future payments, future obligations, or collections and shall be removed from the title holder credit report as the contract is not enforceable by the lien holder. Global Lending Service has taking upon themselves to make quick decision in there favor breaching the contract between the lien holder against the title holder obligations of any future responsibilities of payments, the contract is null at this time. No financial responsibilities are to be removed.
11/07/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	SC 297XX	Web
Ive made several complaints about this issue which isnt resolving. This company has an old debt on my credit thats not supposed to be there and needs to be removed. Its at the 7 year mark and they are still reporting inaccurate information. This company violated my rights by repossessing a vehicle and never sending a RTC ( right to cure ). Ive tried several of times to work this company and theyve refused to do anything on my behalf. I spoke with an attorney recently, and Im in the process of filing an lawsuit, if we can resolve this issue I will drop the case if not we are taking this matter to court very soon. Theyve also contacted me recently and its been expressed to them to never contact me. Ive told them several of times to cease all communication with me and theyve violated.
02/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KS 662XX	Web
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, GLOBAL LENDING SERVI add a hard inquiry on my credit reports. On XX/XX/XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. On XX/XX/XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit reports. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
01/05/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	CT XXXXX	Web
I bought a new car XXXX 2013 From a car dealership out of the state, I live in XXXX bought the car in XXXX. I was told that the total amount of the car was a little over XXXX .I asked if that included The high interest rate and she said yes. I asked why were the payments so high XXXX monthly, She said I could pay it off in 3yrs. I agreed and never looked at the contract until 2 months ago only because I thought I would double up on the payments so I would pay off the car before XXXX. I called the bank and they told me that the car which sticker price Brand new is about XXXX, I was paying XXXX. That was not explained to me. I would have never paid that much for a 2013 Hyundai Sonata. Have paid over XXXX For this car. I ca n't pay another XXXX. I need help.
07/19/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CA 91732	Web
XXXX XXXX misleading me to believe I was going to be helped and get a good deal lower payments and no hassle transfer of vehicle, I was not happy in the end results of my purchase wich I was supposed to have lower payments and a better deal, I ended up with a vehicle double the value of the vehicle I needed help refinancing, also lost my trade in value and down payment of my first car. {$3000.00} dollars. They pretty much bought the car off me and stated a whole new purchase that confused me and my lender and no contact was ever reached with sales representative he never returned my calls and was never a available XX/XX/2021 was the date of the new purchase that was supposed to be transferred not start all over with no down payment credit unbelievable scam
05/05/2022	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	AL 35244	Web
Global Lending Services is advertising on their website that customers can make a due date change to their lease at anytime, but when you call in and make the change their stating that you have to do it two weeks prior to your due date coming up and have to pay the amount. It is frustrating because they are providing different information then whats on their website. They didnt provide me with a full contract of what my lease states and There isnt even a way to see your contract on the website. No one should have to go through this. Hey provide accurate information on your site so that we dont look or feel XXXX when we call in. Then the XXXX XXXX laughed on the phone as if it was funny to be advertising something that isnt accurate.
05/20/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CA 90710	Web	Older American
contract date XX/XX/XXXX year XXXX term XXXX XXXX APR 15.2 payment amount {$700.00} amount financed {$32000.00} original finance charge {$17000.00} note amount {$50000.00} The problem is as follows : I made a large payment about four times. I asked them to pay the extra money towards principal. That was never done. i asked them to adjust the extra money and they refused. as you can see it states 15.2 per cent annually, however I found out that I also pay {$15.00} per day which equals {$32000.00} on top of the interest. This is a predatory loan and that amount was never stated when the car was financed. I am asking for the {$15.00}. per day to be credited to my account and taken of the life of the loan because it is predatory.
04/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33160	Web
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. XXXX XXXX XXXX inquiry XX/XX/2020 XXXX XXXX XXXX inquiry XX/XX/2020 GLOBAL LENDING SERVI inquiries XX/XX/2020 and XX/XX/2020
01/16/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	GA 30236	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia, XXXX SSN : XXXX \| DOB : XX/XX/XXXX To whom it may concern, I had a vehicle repossessed in XX/XX/XXXX because letters sent to me went to the wrong address, this was strange because i have lived at my current address for three years, and all the paper bills for the vehicle came to my current address. I never saw any of the documents Global Lending Services sent out regarding late payments until last week after i sent them a request to remove the repossession from credit report based upon their error, which could have been resolved had i known that the negotiations were not honored when i spoke with an agent during that time. I have enclosed the documents to prove the facts
11/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60647	Web
I have been contacting Global Lending, who appear on my credit file as Global Lendi numerous of times trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX report, there are inquires dates of XX/XX/XXXX, XX/XX/XXXX. Neither of these did i authorize or give permission. they are a result of fraud. Global lendi XXXX, SC, XXXX ( XXXX ) XXXX XXXX is the contact information I have listed for them
08/22/2023	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	OH 44601	Web
I spoke with global lending services on Friday XX/XX/2023 and spoke with them in regards to why I fell behind and also gave them a date I would make a payment XX/XX/2023. As of today I have been attempted to be contacted an additional 3 times. On XX/XX/2023, XX/XX/2023 and today XX/XX/2023. Some on my phone number and some on my co-borrowers phone number. I made it very clear in my phone call on Friday that I know the laws, they have to wait to contact me, as well as they had threatened to report to the credit bureaus. The reason I had fallen behind was my father passed away and we had to help with end of life expenses and they were not willing to assist AT ALL! They stated they had options for me but offered NONE!
09/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60649	Web
In XX/XX/XXXX i submitted XXXX complaints to CFPB in response to numerous attempts of disputing unauthorized inquiries on my credit reports from XXXX XXXX and Global Lending dated XX/XX/XXXX. Both companies have failed to provide me with proofs showing that I authorized this inquiry. I had requested from the credit bureaus as well as the creditors documents showing that my signature, ssn and identification is verified on these unauthorized inquiries and either has failed to provide. In response to the complaint that was submitted in XXXX, Global lending responded that the inquiry will be removed from all credit bureaus within 15days well it has been months and the inquiry still remains on my credit report.
02/08/2023	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 770XX	Web
Global lending service is reporting a charged off auto loan on my credit reports that I have been disputing for some time now. I have sent them a letter over 30 days ago requesting validation of this debt and never received any documents or communication regarding this account. However when this account was disputed with the credit bureaus as well, XXXX found that there was not valid proof for this account and deleted it from my report. If all XXXX bureaus get their information from the same place how is it that XXXX and XXXX is able to verify this debt? How is it that I am left with low credit scores when Global lending service has ignored my dispute? This account should be deleted from my reports now!
03/05/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	GA 305XX	Web
Regarding Global Lensing Services I purchased a vehicle from this company in XXXX of XXXX. The car was only around XXXX $ my payments are XXXX monthly. I am still being told I have a payoff of almost XXXX after having this car for almost 7 years. I did move about XXXX payments to the back during the course of the loan and offered to pay that in XXXX. I was told that I have paid mostly nothing but interest during this loan. I am a single mother of XXXX children and need a car to get to work however after being hospitalized for COVID I missed another payment and I am not in default and being told that my car is in repo status. Global lending is a ripoff and I do not advise anyone to use this company.
02/02/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	NV 89110	Web	Older American
I previously made a complaint to your office with regards to this same issue and the vendor had responded to you and the response of the vendor was convoluted and not according to the loan contract that I signed up from them when I purchased my car. My contract stated an APR of 21.45 % and the response of the vendor was convoluted with an APR of 80.16 %. This lender must be audited with their system of calculating finance charges because their system was not calculating according to the contract. I am trying to get refinancing of this loan for a lower APR from 21.45 % to 15 % and the vendor was disclosing a way up payoff balance using 80.16 % APR. This 80.16 % APR was not in my contract at all.
08/11/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with a trade-in	TX 758XX	Web
We went to XXXX of XXXX texas about a month and a half ago. It took forever to get approved for loan for vehicle. Ever since we got the vehicle, there has been nothing but problem after problem. We tried getting XXXX to trade us out of the said vehicle into another vehicle. Global lending services has been helpful trying to get us a substitution of collateral from XXXX of XXXX. XXXX of XXXX has not been helpful in any case at all. They sold us a car with lots of problems and refuses to help resolve the issue, basically saying " sorry about your luck reapply for credit. '' And we have been denied because we're stuck in this loan with a faulty car, and XXXX of XXXX has not helped whatsoever.
01/07/2023	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Denied request to lower payments	FL 33127	Web
I currently have a car an XXXX XXXX XXXX XXXX, I received from XXXX XXXX XXXX, from the bank XXXX XXXX in XX/XX/XXXX. I paid a down payment of XXXX over the course of 5 weeks. The car payment is XXXX monthly and I am struggling to pay the amount, being that my financial and living situation is not good right now. I didnt know the sum of all charges. I was denied to refinance and receive a lower monthly payment. Now that i am struggling keeping up with the payment, they will call 3-4 times a day everyday asking for a payment and asking when am i going to pay, and to give them a call. Also, text messages and emails. This has cause alot of stress calling all day everyday about the car payment
10/24/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	AL 35805	Web
I have yet to receive my title from Global Lending. This process has been going on from XX/XX/2021 and until now, XX/XX/2021. I the consumer called numerous times and was told by untrained representatives that my title was being sent from a vault in NY, then was told that my title would take 8 weeks to be sent to me, then that my title couldn't be found. I heard every excuse there was. I have been working w/ Global Lending to receive what I paid for.. the title to my car. To add, A lender withholding your title is against the law in Michigan and is subject to be fined. I want this title and at minimum this creditor and their inputs payment history etc to be removed from my credit report.
08/25/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	IN 464XX	Web
Ive sent an affidavit of truth to Global Lending services whom somehow has my personal information and have been reporting an improper debt onto my consumer report. i believe my federal protected conumer rights are being violated and i have proof in the attachments ive sent to Global Lending Services. under fdcpa ( federal debt collection pratice act ) 15 USC 1692 vaildation of debts congress states a debt collector " SHALL '' send me the consumer 5 items within 30 days of the intial communication. Global Lending Services never sent me the 5 things required under 15 usc 1692G, and still have yet to respond to my affidavit. i am expencering loss of sleep, loss of concentration, and Anxiety.
09/14/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	NY 11236	Web	Servicemember
XX/XX/2023, XXXX from this establishment told me i have been approved for XXXXXXXX XXXX down. I provided my application XX/XX/2023. Today XX/XX/2023 this same establishment called me multiple times, after i have enrolled in the DO NOT CALL database. XXXX XXXX the XXXX tells me i must put XXXXXXXX XXXX down and insists that the bank requires this, which is false. His calls are recorded and he violated my rights according to the CFPB FTC & multiple USC codes. This establishment ran my credit over 3-4 times and still denied me to push forward with my application due to tactics of a bigger down payment. Fully discouraged me from pursuing my right as a consumer and receive my vehicle.
03/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 741XX	Web
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. ITS A CHARGE OFF ALREADY PLLEASE STOP REPORTING XXXX XXXX ACCT # XXXX
12/11/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33317	Web
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. GLOBAL LENDING SERVI Account Number : XXXX Account Type : Installment Account Status : Closed Monthly Payment : Date Opened : XX/XX/2016 Balance : {$16000.00} Terms : High Balance : {$28000.00} Limit : Past Due : Payment Status : Bad debt & placed for collection & skip Comments : CHARGED OFF ACCOUNT
03/07/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA XXXXX	Web
Global lending services, call me when I am 24 hours after the due date. I have 10 days to get my payment in. Because it is such a large payment I divide it into two parts through my bank. They call me incessently to demand a payment immediately. I have set up the payments for the next months to be paid through bill pay in one payment. They have also charged me four times for late fees. The extra money I called them on four occasion to pay towards my principal and instead they have taken the late fees. Global lending is a predatory company that demands payment immediately and does not follow directions or listen to the customer for instruction on how to handle their account.
03/16/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	MD 21133	Web
XX/XX/XXXX Global Lending Services illegally repossessed my XXXX XXXX XXXX in Maryland. The governor signed and extended an order against repossessions nut Global Lending proceeded anyway. The repo company they used, damaged my real estate property, damaged my vehicle and no one is claiming responsibility for the damages of approximately {$5000.00}. Now I have paid the account current, but I am left with a nearly totaled vehicle. No vehicle to get to work and no one answering calls. The company they used I believe XXXX XXXX XXXX was not licensed in Maryland. I have Ring camera video of the entire event, and they claimed the damage was already there before the illegal repo.
06/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	CA 90505	Web
Despite several requests to update the information, this account still reports on XXXX and XXXX. Action Details Creditor : XXXX XXXX Account # : XXXX Status : Action Sent Action Date : XX/XX/XXXX Action Type : Update My Account Reason for Action : Items have been settled This account shows as closed/charged off and still shows currently on my credit report with XXXX, XXXX, and XXXX. Action Details Creditor : GLOBAL LENDING SERVICES Account # : XXXX Status : Action Sent Action Date : XX/XX/XXXX XXXX XXXX Action Type : Correct a credit reporting inaccuracy Reason for Action : Remove the reporting of the lien associated with this account ; it has been fully satisfied.
03/26/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	SC 29579	Web
In the beginning of XXXX and XXXX I sent two certified letters disputing this account. The first one I didnt get a response to. However, on the second one I received mail from the company stating that they validated the debit and enclosed I could find a copy of the contract that I signed. The contract didnt belong to me it actually had someone else name on it a man who didnt even live in my city and town. This has caused me to be turned down from trying to purchase a home Ive disputed this account since the beginning Ive sent letters to them and the credit bureau for them to remove this from my credit file and they wont this is unfair and should be resolved immediately
06/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33312	Web
I sent a letter regarding unauthorize inquiries on my credit report to this company over 45 days later I have not received a response as of yet. I feel as if I am being taken advantage of and being ignored regarding my disputes. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress I am being emotionally.
03/19/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MD XXXXX	Web	Servicemember
Sent a letter and got no response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Global Lending '' on XXXX via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
05/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 20785	Web
On XX/XX/2023, I requested documents from Global Lending Services and I have not received a response for the request. The letter is as follows and will be attached. I am requesting information for Account XXXX XXXX. Please provide copies of the following information : - All billing statements from the date of account opening ; - Complete Reporting History to credit bureaus and/ or reporting partners ; - A copy of the 1099-C cancellation of debt if applicable ; and - Date of Last Payment. It is my belief that 15 days is a reasonable amount of time to gather this information. I look forward to your complete cooperation and compliance. Respectfully, ( My name )
03/29/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	NJ XXXXX	Web
To whom it may concern : In response to the previous complaint, on XX/XX/2022, I sat there and heard the guy at XXXX XXXX ( XXXX ) and ask how much was owed on the vehicle, and XXXX paid the entire balance they were told I owed. I can't understand how a reversed payment would take XXXX days to show up on your end, which I don't see anywhere on my bank statements where it says anything about a payment reversal. So I will not be paying this again, but what I will be doing is I will be filing a complaint with the XXXX, FTC, and smart claims court, and if I don't get the resolution that I'm seeking, I will be going to the attorney general office. Thank You, XXXX XXXX
03/16/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19050	Web
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
11/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 777XX	Web
I'm have been denied for every single credit I've applied for, my credit score from XXXX is not right. Every credit union, Bank what ever all say no, I understand that I have no credit but I'm being turned down by every one and it's discouraging I have... well had a job but car broke down applied for loans but was denied due to the number of inquiries but there all for one thing financial help so I didn't lose my job which I did anyway because my credit score and Discrimination. Each time I get denied it says that my credit score played no part in their decision but says my score reflects a number between XXXX to XXXX not saying what's a score they can work with
04/04/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	SC 29461	Web
I was no longer working an allowed my cousin to take over the payments on my XXXX that was financed through Global Lending. They knew he was making the payment that they even dicussed my account with him. Never mind you, he is not on the loan. He informed me, as well as them that the vehicle 's motor went out while driving from Virginia back to South Carolina. After the recovered the vehicle and even possibly sold for the vehicle theyre still indicating I owe them a balance of about {$8000.00} even though i been trying to surrender the car before the motor blew out. Theyre still reporting as involuntary repo for the last five years. I need and want this remove
07/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30134	Web
Many hard inquiries have recently been reported on my newly established credit without my knowledge or consent. It is really impeding my ability to obtain financing, or even get small approvals. I have attempted to contact these companies via phone and email and no proof has been shown that I, myself, was the one who opened the accounts. Please remove them immediately after investigating. XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX Global Lending Services XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX These are all companies that should not be on my hard inquiry XXXX account because I did not consent.
08/01/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NC 28027	Web
XXXX XXXX I have paid my payments XXXX days early. Instead of being charged less interest I am being charged more. On numerous occasions I have inquired about my payments not being applied on the date I pay. GLS has been charging me enormous amounts of interest that are not consistent with me paying early. XXXX payment included XXXX. They took have of the money {$500.00} plu and applied it toward interest. This practice is causing my balance to decrease VERY slowly. Of the $ XXXX that I have currently paid, less than {$2200.00} has been applied to my vehicle. This practice appears to be purposeful. And it equates to more than 17 % interest per month.
04/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AL 351XX	Web
Reporting wrong information on my credit report 15 USC 1605 Equal Credit Opportunity Act 15 USC 1635 Truth in Lending Regulation Z Act 15 USC 1662 ( 2 ) -No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. ( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount.
10/24/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	SC 297XX	Web
I have reached out to this company several of times to work out an agreement to take care of this matter in which they refused to accept my payment agreement, which is a violation of FDCPA. I 've tried to settle with this company being that this debt is old, and still to no avail they denied to work with me, but continue to report this old debt on my credit which has reached the statue of limitations. This debt is XXXX XXXX XXXX and it 's still being reported on my credit. I am giving this company XXXX days to accurately update my credit report with the deletion of this item, if not I will be speaking with an attorney to pursue legally with an lawsuit.
12/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30093	Web
15 USC 6802 company never disclosed my right to opt out clearly and i never gave permission to report to credit bureaus. which is a consumer law violation 15 USC 1602 means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 15 USC 1602 i received absolutely no benefit from them running my credit card which is a consumer law violation. 15 USC 1611 gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder.
08/10/2020	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	CO 80228	Web
Global Lending Services has called me 3-6 times a day for the last three weeks, amounting to more than 60 calls from several different phone numbers. They call at all hours of the day, ranging from XXXX MST all the way to XXXX MST. They even call on weekends. Most recently, this company has tracked down my family members and started calling them as well. Neither of my parents co-signed on this lease and it is absolutely wrong of them to call my family members. They always leave a voicemail without stating their name or what they're calling about. My mother texted me today ( XX/XX/XXXX ) to say she receive yet another call. This needs to stop NOW.
06/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 207XX	Web
Late payments from Global Lending XXXX 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as transactions or experiences between the consumer and the person making the report ; 495 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
04/07/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	GA 30043	Web
XXXX of XXXX, I purchased a XXXXXXXX XXXX XXXX which costed XXXX and the interest rate of 26 %, which ended up being around XXXX. In XXXX a dear hit my car, and after the process, of my insurance claim, the car was a total lost, my insurance did there part, paid for the car, and I received a receipt from the lending company stating that the loan was paid in full. When I talk to them they did not honor, the fact that the loan was paid in full, and stating that I still owed on the car. Thats why today Im making a complaint because Im out of a car and trying to purchase another, and I would like global lending to honor there receipt of paid in full.
09/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38118	Web
I called XXXX and XXXX about inquiries on my credit report that I did not make. They informed me to call the companies and speak with them to see if an account was opened and to ask them to remove the inquiry. Speaking with the companies they informed me that nothing was purchased but the only way I could get these inquiries I DID NOT MAKE removed was if this report was made. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Global Lending Service XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
10/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32829	Web
Hello Im complaining because when I first tried to get my credit score together I was XXXX XXXX XXXX, while being XXXX I have tried to make payments and inquires on my own but some of my inquiries doesnt involves me. I tried getting them removed but it says it takes 2 years or max 6 years to complete withdraw them. Some of my credit history I dont approve of is - Global Lending service ( XX/XX/2022 ) - XXXX XXXX XXXX ( XX/XX/2022 ) - XXXX XXXX ( XX/XX/2022 ) XXXX XXXX ( XX/XX/2022 ) as you can see their all 1 month apart please help get this off my credit I can not do anything with my life because I have a horrible background & Im only XXXX.
05/22/2022	Yes	Money transfer, virtual currency, or money service Debt settlement	Fraud or scam	MI 49442	Web	Servicemember
GLS-GAP Policy/Global Lending Services LLC states if your car is totaled pays off auto loan balance, this never happen. GAP policy for Global Lending Services LLC - ( dealership funding checklist ) GAP Policy provider has not honored it contract, this GAP insurance provider Global Lending Services LLC never applied this monies to totaled loss deficiency loss balance {$28000.00}. Please apply this GAP policy contract and remove my Global Garnishment off my credit report at the 3 major reporting agencies and remove garnishment off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX this garnishment in error PLEASE REMOVE.
06/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30080	Web
on the date of XX/XX/2019 there was an inquiry made on my credit report by Global Lending Services that I did not authorize. I disputed this inquiry. I attempted to reach out to the creditor to resolve this matter but to no avail. on the date of XX/XX/2019 I received and inquiry on my credit from XXXX XXXX that I did not authorize. I disputed this inquiry. I attempted to reach out to the creditor to resolve this matter but to no avail. on the date of XX/XX/2019 I received an inquiry that I did not authorize from XXXX XXXX XXXX XXXX. I disputed this inquiry. I attempted to reach out to the creditor to resolve this matter but to no avail.
07/08/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	TN 38018	Web
Dear Sir/Madam On XX/XX/2021 I paid off the full amount of total {$22000.00} loan to Global Lending Services XXXX Since then I requested for title release or title noting letter to be mailed to me. But I never received any letter or title. I call them every week and they claim I should receive a letter or title in mail by next week. This been going on for past six month. Lender physical Address : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Lender mailing address : Global Lending Services XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Lender title department phone # XXXX My name : XXXX XXXX My address : XXXX XXXX XXXX XXXX XXXX XXXX My phone # XXXX
09/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 245XX	Web	Servicemember
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. Account Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$910.00} XXXX XX/XX/XXXX {$3300.00} XXXX XXXX XX/XX/XXXX {$0.00} Hard Inquiries FXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Global Lending Services Inc XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
06/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX XXXXX	Web	Servicemember
Global Lending Service did not furnish me with a form XXXX after the alleged debt of {$5500.00} was charged off from an auto finance account in my name. It is to my understanding that once a creditor charges off an account, that they receive a tax deduction for the charge off amount when they file their taxes. That in turn converts the amount owed from an alleged debt, into earned income, which has fraudulently been reported to the consumer reporting agencies as charge offs, which misrepresents the amount charged off as alleged debt owed, instead of earned income, which is being fraudulently reported to the credit reporting agencies.
01/18/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Old information reappears or never goes away	GA XXXXX	Web
I would like for your company to dispute : Only ONE name should appear on all my credit reports that should be XXXX XXXX Old business names Old business bills ( workers comp and general liability bills if there I want removed ) Old addresses ( po box es and physical addresses ) Old phone bills, light bills etc. Old phone numbers ( All old phone numbers ) Old email addresses Charged off bank accounts Over past due loans Charge-offs Repossession of one vehicle charge off still on reports Medical bills Student loan evetho are in good standings still have past due non-payments on all three credit agencies Self builder account charge off
06/21/2023	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	SC 293XX	Web
Hello, I have an account with Global Lending for a loan on my XXXX XXXXXXXX XXXX. I have attached a breakdown of the payments I've made. Currently, I am XXXX full month behind but have made continuous payments. The issue at hand - I get multiple phone calls a day from Global Lending. They are now starting to call my job each morning for me as well. I am attaching screenshots of the XXXX calls in the last week. I have severe anxiety and XXXX and this is harassment. I have asked them to stop and I've explained that I've already sent them payment this month and they will not quit. They are in violation of multiple Codes of XXXX.
01/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 20603	Web	Servicemember
Global lending services, though I have only been a little late once in XXXX of XXXX, since obtaining the loan in XXXX of XXXX, illegally reports to the credit bureau on the XXXX or XXXX day instead of on the XXXX day, which is required per the Fair Credit Reporting Act. Please address this issue and ensure that my credit report is reflecting correctly. I have attempted to clear this up with the credit reporting agencies. After calling Global lending services, at XXXX point, they stated that payments were due by the XXXX ( grace period ), as my payments are due on the XXXX, but they reported well before the XXXX day mark.
01/04/2023	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Termination fees or other problem when ending the lease early	FL 32208	Web
Global Lending Services responded to my complaint today XX/XX/2023. Global Lending Services still have yet to respind to my CFPB complaint. GLS violated me by continuing to send me letters and phone calls about making a payment after they repod the vehicle and sold it to another individual. They keep updating all three credit bureaus every month or XXXX in regards to this loan. They uploaded a copy of a payment history and a copy of the contract without both parties XXXX XXXX, so that contact is null and void. They haven't responded to any of my letters I have sent in. Please remove this account because it is fraudulent.
08/03/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	NJ 087XX	Web
I voluntarily repoed a vehicle 3 years ago. I am NOW being told I owe almost {$5000.00} to a debt collection company by the name of XXXXXXXX XXXX XXXXXXXX. I had to agree to pay them {$180.00} a month for 24 months. I complied with the first payment out of pure fear due to the fact that the paperwork I was sent threatened wage garnishment as well as arrest and up to 180 days in jail. I can not afford to pay this debt. I have XXXX paperwork showing actual proof of this debt other then the one letter I received from them threatening me. When i asked if I can give them less per month I was told no. I need help desperately.
08/31/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77090	Web
Daily repetitive calls from Global Lending. They would call from numbers that comes up as Scam Likely. Representative will threatening to sue me, have claimed they are detectives calling to investigate a theft, and stated they will serve me at my place of employment. The debt was sold to a third party collection agency and was informed it was discharged as a lost. The collection agency is trying to collect on a debt that is no longer owed. They stop reporting to my credit report for over a year and in 2021 the collection calls and reporting starting with different dates being reported to all three of my credit reports.
07/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30046	Web
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
05/24/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	TX 77090	Web
I have contacted Global Lending Services ( GLS ) in regard to the reporting status of furnishing to late payments. This a direct violation 15 USC 1666B correction of billing error ( i ) make appropriate corrections in the account of the obligator, including the crediting of any finance charges amounts erroneously billed, and transmit to the obligator a notification of such corrections and the creditor 's explanation of any change in the amount indicated by the obligator under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligor 's indebtness.
08/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 291XX	Web	Servicemember
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
10/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31404	Web
These identity thefts that i have alined are clearly and conspicuously in safeguarding violations to laws 15usc1692, 15usc6802, as well as code 15usc1681b prior to the the new congress laws findings updates for the following laws above. i also am unaware if i am a victim of consumer data breach due to any of the business persons prior to this statement ; that did not have my full disclosures, permissible permissions nor authorization to leak my private information amongst third party consumer reporting agencies which i may repeat is in violations to the codes above which are applicable for my lawsuits.
03/05/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 78641	Web	Servicemember
On XX/XX/2022 I entered the Global Lending Services portal in order to make a payment on my car loan which was due on XXXX XXXX, 2022. I inititated a payment on my end on the XXXX day after the due date. The payment was only 29 days late. The IT system used by Global Lending Services did not allow the payment to post until the following day, XX/XX/2022. Global Lending Services reported to the credit bureaus that my account was more than 30 days past due. This is incorrect, because not only was the account paid, but it was initiated by me within the 30 day grace period given for credit bureau reporting.
11/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30316	Web	Servicemember
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. Accounts Opened Amount Social Security Admin XX/XX/XXXX {$32000.00} XXXX XXXX XX/XX/XXXX {$140.00} Hard Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Global Lending Servi XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
02/23/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	PA 19124	Web	Servicemember
On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX. On XXXX I received a welcome phone call from Global Lending XXXX. On XX/XX/XXXX I received a call from XXXX XXXX stating that I need to return the car or get a co-signer. I returned the car on XX/XX/XXXX to XXXX XXXX who at that time stated he did find a bank that was going to approve me. I just had to leave my car take the loaner and bring my paystub. When I returned back to the dealership on XX/XX/XXXX I was told my part-time job working 60hrs a pay period I couldn't use. This was all a scam and they are wrong I signed a contract.
08/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CT 06514	Web
I have contacted the credit bureaus about the closed account reporting as being open when the original contract for the loan was misrepresented. The vehicle was financed through global lending services and repossessed four years. The sales man of the vehicle XXXX XXXX stole my {$5000.00} down payment and never factored into the direct loan. He has since been incarcerated for doing this, also I never received any notice of defiency or redemption. Ive been arguing to have this removed from my credit score for years without the agencies properly investigating this even when I sent in proof.
07/03/2020	Yes	Debt collection Auto debt	Communication tactics Used obscene, profane, or other abusive language	TX 77590	Web	Servicemember
I am a military veteran who was disrespected and belittled by a female debt collector with whom I spoke with about my car note payment. At the time I was in a financial bind due to the woes of the oil & gas industry along with the threat of COVID-19. Although my vehicle was repossessed I still continue to get harassing phone calls from Global Lending LLC ; of South Carolina in regards to paying the debt. Im not employed because of the current pandemic which is very much stressful as is and unable to provide for my family on a normal basis. Im seeking your help in resolving this matter.
03/01/2017	Yes	Debt collection Auto	Improper contact or sharing of info Talked to a third party about my debt	AL 35215	Web
I have talked to global lending services, many times, I have a loan through, them for XXXX, I paid them 500 last month, and told them I will make another payment XX/XX/XXXX then finish the balance XX/XX/XXXX. Since then they have called friends and family members that I have told them not to, I have NEVER given them any family info. And today they created a Facebook account and send my mother information. This must stop! My number not address has changed since the loan. And I want representation something must be done. XXXX please tell me what I can do and what are my rights
09/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77054	Web
GLOBAL LENDING SERVI XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Balance {$6600.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$9700.00} Date Opened XX/XX/XXXX Collection Agency XXXX XXXX XXXX Amount {$5200.00} Date Assigned XXXX XXXX, XXXX These accounts were made without my consent or authorization and has caused significant harm to my financial reputation. Despite my persistent efforts to rectify the situation, including MULTIPLE disputes, filing a police report, and submitting an identity theft report, the fraudulent charges has not been removed from my consumer report.
06/13/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	MO 63121	Web
I had a total loss on my vechicle and my insurance paid the XXXX XXXX value and I have gap which paid the difference ins paid {$21000.00}, gap paid {$780000.00} and waiting for extended warranty to pay {$420.00} they are still charging interest and they charge me late fees on a vechicle I no longer have and the total amount I paid was {$31000.00} that was left on the vechicle minus those fees from that amount. They say I still owe {$2100.00} I feel they shouldnt charge me anything else because the car is not worth that amount any more I in a hardship because of my total loss.
07/29/2017	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	SC 29687	Web
I originally had a auto loan with Global lending services and the car was repossessed. I was not given a demand letter showing that the car was up for repossession. After the car was sold at auction I was still not given a chance to take car back if I made payment to get it back. I was supposed to be given 10 days. I do not feel Global Lending gave me fair warning or notice of default and the repo should not be placed on my credit for those reasons. Global lending account opened around X/2013 Account Closed and updated to show balance XXXX XX/X/2013. orginal car was around 15k
09/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30809	Web
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for identified items to be reported on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block not being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions be me as the consumer.
03/12/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	MN 55128	Web
My understanding of the Federal CARES Act of 2020 is that lenders have to remove late payments reported to the 3 credit reporting agencies. I work for a XXXX XXXX in MN and we have had to, and continue to, remove late payments reported throughout the pandemic. My lender, Global Lending services says they do not have to and I need to dispute with the reporting agencies. When I inquired what would happen, they stated the reporting agencies will come to them and they will then report once again that I was late. So it seems I will be stuck in a never ending loop of going nowhere.
03/15/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	NJ XXXXX	Web
To whom it may concern : I sold a XXXX XXXX XXXX to XXXX in XX/XX/2022. If I had owed you money on the vehicle, how would they be able to receive the title and sell the car if I didn't pay this loan completely off. you received over {$27000.00} for a {$14000.00} loan and still trying to get more, and I will not be paying it. I would like you to remove this account from my credit report immediately, or I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies, including the FTC and my state attorney general.
12/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MS 38654	Web
Global Lending Services ( GLS ) is reporting inaccurate information monthly to Credit Bureaus in order to purposefully have a negative impact on my credit record. This was originally an auto loan in which GLS is reporting as a Foreclosure to XXXX and XXXX. They also reported an address of XXXX XXXX XXXX XXXX, XXXX, TN XXXX, to which I have never resided, to XXXX. Auto was repossessed with no letter sent to provide details on how, when, where to redeem property prior to auction. GLS has also reported to XXXX a date of last activity of XX/XX/XXXX while XXXX shows XX/XX/XXXX.
12/23/2020	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	MS 388XX	Web
I called the company " Global Lending Services '' on XX/XX/20 at XXXX to inquire about the debt i owed on my car loan.. I have suffered greatly from covid as i know many others have and they offer ZERO assistance for those suffering.. Once i had read the reviews i saw where the deferred some payments for the people who called attorneys but offered me and some others ZERO HELP. They told me my car would be repossessed and that i needed to get all valuables out. The fact that a company has NO ASSISTANCE for something like this is appalling and they should be shut down.
04/29/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	LA 71111	Web
I have been trying to work with my car loan company Global Lending Services for months. The company is reporting on my credit report that my car has been repossessed for almost a year, since summer XXXX Its now XX/XX/2021. Ive called and written the company. Ive sent my billing history from their website along with receipts. I have disputed the claims with credit bureaus with the same information including pictures of the car in my driveway. Finally I have hired XXXX to work to help with the problem. My next and last action is suing Global Lending Services, et all.
06/30/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TX 77053	Web
I have called Global lending services regarding a car payment that was authorized by then and taken from my bank account yet Global Lending says its not there and yet its showing in my bank account as submitted and paid by debit card. They have put my car in an acceleration process threatening to repo my car when I in fact made the payment on XXXX as requested. I feel that Global lending tried to block the payment but it in fact went through. Now they are holding the release of my funds In pending transaction.. So that I will default and they can repo my car.
06/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 18052	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
05/25/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	NC 27713	Web
Had a total loss insurance claim for vehicle. Insurance company settled for an amount but insurance company sent proceeds for amount more than guaranteed amount and company has not submitted documentation where and how funds were distributed. The extra funds were due to extra coverage which was paid on my policy. This company has predatory lending practices. Also gap insurance claim was not honored and no explanation given for denial even though it was a valid claim. We have not received any documentation only bills asking for more money from loan company.
06/14/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TX 75068	Web
On XX/XX/2019 at XXXX XXXX CST, I received a phone call from phone number XXXX-XXXX-XXXX. The lady said she was with I think " Global Locating Services '' and she was looking for XXXX XXXX. I told her that I do not know a XXXX XXXX and she then said that she would " pass this information over to her fraud department as falsified credit information. '' Her tone was very rude and I feel this type of language was not necessary. I don't see the need for her comment after I said that I did not know this person. She should have just said thank you and hung up.
04/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 36608	Web
I have several credit inquires on my credit file that I do not recognize. I sent letters and emails to all the creditors listed below to have these inquires removed from my account. I have also disputed them through XXXX. These creditors have refused to work with me to resolve this issue and XXXX has not been able to help as well. I did not authorize or give permission for this creditors to pull my credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 ) - Global Lending Service ( XX/XX/2021 ) - XXXX XXXX XXXX XXXXXX/XX/2021 )
02/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MI 481XX	Web
The companies advertised online no credit check then the following day there are hard inquiries on my credit report. I am in the process of trying to get financing for a vehicle. These hard inquiries will have a negative impact on my scoring when I apply for the car. I am not really familiar with this process ( I have never leased or financed a vehicle before ). To lure people to their websites advertising we can help no effect to your credit and then its a hard pull ( not a soft ) is ridiculous. FYI : only the XXXX XXXX XXXX had my permission.
08/23/2021	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30265	Web
The company Global XXXX is reporting incorrect information to credit bureaus. I have tried since XX/XX/2021 to ask Global XXXX to correct this information. This company is reporting my auto loan as closed, also that the vehicle has been repossessed and several late payments. This is not true, I still have the vehicle. They stated, they would correct my account. As of today XX/XX/2021 nothing has been done. This company continues to damage my credit and can care less about it. They have been rude about correcting something they did wrong to me.
04/08/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	KY 40216	Web
XXXX XXXX XXXX SUITE XXXX XXXX, GA XXXX WITHOUT PREJUDICE To whom this may concern, Your company said I allegedly owe you money. I agree to pay any financial obligation which I might lawfully owe, ON THE CONDITION THAT YOU PROVIDE : 1. Validation of the debt-that is, the actual accounting. 2. Verification of the claim against me ; that is, a signed Invoice. A copy of the Contract binding both parties ( me and them ), in a letter by certified mail so that GLOBAL LENDING SERVICES 3. there is an independent witness to it having been delivered.
10/31/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 31410	Web
In XX/XX/XXXX I purchased a used auto financed through Global Lending. Monthly payments were made in the amount of {$390.00} during XXXX. So in XXXX I made a balloon payment in the amount of {$4000.00} and requested that this payment be credited toward the principal balance. As of XX/XX/XXXX this has not happened even after at least 3 phone calls with various customer reps. If this had been done as requested I would have saved over {$1500.00} in interest charges alone. Isn't this illegal. One attached document shows {$3200.00} as a credit.
06/16/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	VA 23505	Web
I paid off my vehicle on XXXX 2021. I paid {$5600.00}. I was told that I would receive my title in the mail within 45-60 days. It is now XXXX. I have called global lending services several times and have been given the run around as to why the title has not been sent to me. They are now saying that I need to do a lien release and go to dmv. Thats not the proper procedure. If I paid my money, then they are supposed to release the vehicle title because I am the sole owner of the vehicle now that it is paid off. This behavior is unacceptable.
11/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29707	Web
On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX and XXXX. On XXXX XXXX, 2020, XXXX XXXX add a hard inquiriy on my credit report per XXXX. On XXXX XXXX, 2020, GLOBAL LENDING SERVICES, INC. add a hard inquiries on my credit reports per XXXX and XXXX. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
12/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 328XX	Web
I did not give Global Lending Services nor XXXX XXXX authorization to check my credit nor provide them with my personal information. Global Lending Service did not do thier due diligence by requesting a copy of a credit report from XXXX XXXX that bares my signature proving I authorized them check my credit. I have been in contact with Global Lending Services and XXXX XXXX, niether has produce a credit application with my signature. XXXX XXXX told me that they are not giving out me personal info. They told me someone stole my indenity.
05/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 38118	Web
Global Lending Services has reported inaccuracies on my credit report and this erroneous account should be removed immediately. Auto loan companies, Global Lending Services in particular, do not offer terms of XXXX months. As you can see attached, Global Lending Services is reporting that I had a XXXX month term with their company. This is FALSE. This company is reporting inaccurate information to the 3 major credit bureaus which is violating my consumer rights under the FCRA. I am demanding that this account be removed IMMEDIATELY.
10/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30024	Web
In accordance with the fair credit reporting act this creditor has violated my rights. under 15USC1681 SECTION 602 States I have the right to privacy. 15USC 1681 SECTION 604A SECTION 2, It also states : A consumer reporting agency can not furnish an account without my written instructions. 15USC 1666B States A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Creditors are XXXX XXXX XXXX as of XX/XX/2023. XXXX as of XX/XX/2023. XXXX XXXX XXXX as of XX/XX/2023
06/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 11434	Web
On XX/XX/2021 XXXX and global lending service looked at my credit report without my permission. called the companies and they dont have my information in there system to verify that i approved them to look at my credit report its 2 inquiries in my report which im trying to get removed i out in a dispute with XXXX and they havent verified from the companies that i authorized them to get a copy of my credit report i sent XXXX a letter asking them to remove the inquiries as well and have not heard from them i wrote the companies too
09/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30127	Web	Servicemember
I recently went over my credit report, and I noticed that there are payments that are being reported as late. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.
03/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 957XX	Web
My identity was stolen and multiple credit card and vehicle loans were taken out in my name. Ive contacted the company over 10 times because the fraudulent information is being reported to the credit agencies, and now it is interfering with my ability to close escrow on my house. This was a vehicle loan taken out in my maiden name. I have submitted multiple disputes, directly as well as through the credit bureaus all to no avail. I have multiple police reports and identity theft reports from the FTC. They are all being ignored.
04/07/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	IN 46835	Web
I have contacted global lending services months ago whereas they had my payment date 10 days before my actual payment date of the XXXX of every month. They had charged me numerous late fees and even 3 late fees in one week ranging in amounts from XXXX dollars to XXXX dollars. I've asked them to review and credit back said fees I've already paid and they refuse. I've contacted them for over 2 weeks now about this and they are just rude and unhelpful. I need this fixed, if you do this to me, who else are you illegally charging?!
06/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Received unsolicited financial product or insurance offers after opting out	MD 21244	Web
I received a letter on XX/XX/2023 from Global Lending stating they can't grant me approval for an autio loan & how they didn't pull my credit report. Something isn't right here because there is a freeze on all of my credit reports. How can they deny me when I never applied with their company or granted them approval to pull my credit report. There are many complaints on line about them doing the same thing to others. This company is taking consumers information & illegally processing it fully as if they applied for a car loan
01/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33613	Web	Servicemember
My credit was pulled so many times for different loan companies for a car loan with out my authorization, i was only advised my credit would be used for a specific credit loan company called XXXX XXXX XXXX, whom i currently have my car loan with now. I was not notified that they would misuse my personal information and have my credit pulled as many times as they did. Now i have all these hard inquiries of different car loan companies on my credit that are affecting my score and i need them removed so my score can go back up.
10/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85298	Web
In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, has violated my rights. 15 USC 1681 a ( 2 ) A ( i ) states that transactions are not included in the consumer report. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on credit card account under an open ended consumer credit plan as late for any purpose.
09/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 31313	Web	Servicemember
I am writing to request the removal of unauthorized credit inquiries on my XXXX, XXXX and XXXX credit report. On XXXX XX/XX/2023 I notice unauthorized hard inquiries on my credit report, Id like them removed because I did not authorize the report to be pulled for any reason. XXXX XXXX XXXX XX/XX/2023 from XXXX XXXX XXXX XXXX XX/XX/2023 from XXXX XXXX XXXX XXXX XX/XX/2023 from XXXX XXXX XXXX XXXX XX/XX/2023 from XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 from XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX
03/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 366XX	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX # Account # has violated my rights. 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.
09/16/2023	Yes	Vehicle loan or lease Loan	Repossession Notice to repossess	SC 29708	Web
XX/XX/2021 this this vehicle was in a car accident and was totaled and I was not aware of this showing up on my credit report as an repossess when this car was totaled due to an accident. How can you put repossession on my credit report when this car was totaled due till a car accident. This is really stop me from purchasing a vehicle because its showing up as an repossession on my credit report when car dealerships is pull my credit when this vehicle were totaled two yrs ago and my insurance paid this car off
06/11/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	CO 80226	Web
I sent Global Lending Service a letter to explain a repossession account they have placed on my credit file. In their response, they sent me a contract with the name " XXXX ''. That is not my name with an address that I have never lived at in XXXX. My name is XXXX and I live in XXXX. This also shows that it's a repossession, however there is no other documents in this response showing a transaction/payment history, a repossession notice etc. Ive included the contract with the information that is not mine
01/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	TX 78582	Web
In accordance with fair credit reporting everything needs to be 100 percent accurate. In all three there was inaccurate information with the following accounts : Global Lending Services. Nevertheless, I also asked to validate my account directly with Global Lending Services and requested information to understand more the account being reported in the three credit bureaus. In conclusion, Global lending services has taken more than 30 days to respond to my letter. Here is my certification tracker # : XXXX
04/12/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	TX 77449	Web
I have had an auto loan with Global Lending LLC since 2016. When making extra payments, their website doesnt allow you to pay principal only and claims any payments over the amount due each month goes to principal. I recently found out that this is not the case, and my extra payments over the years was not going to principal. I was made aware of it this month when I made a much larger payment than usual and it was applied to future payments. They corrected that payment but are refusing to correct the others.
02/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30309	Web	Servicemember
Upon checking my consumer report, I have become aware of the many errors, including false and misleading information, these collection accounts are not meeting the credit reporting standards of reporting 100 % accurately. This has ruined my reputation, has caused embarrassment & humiliation and is damaging my entire life by keeping me from getting new credit for personal, family, and household purposes. I respectfully demand the Consumer Financial Protection Bureau to enforce the deletion of these accounts.
11/16/2017	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	SC 29485	Web	Servicemember
Auto was repossessed and sold.Although it was sold, we did not obtain any actual bill of the sale. According to a letter sent, it was sold for way less than it was worth. Also, we were letter told that the company whom we purchased the vehicle from, closed do to illegal dealings.I think it 's unfair to owe such a high balance, when we did n't get a actual bill of sale. The vehicle was almost paid off. I think it would be only fair that this negative impact, be deleted from both me and my wife credit report.
06/01/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	CA 91737	Web
Hello. I called Global Lending Services to make an arrangement to pay my car note. My XXXX had lost his job and weve been struggling. However, I said I can pay one payment of XXXX on the last day of the month. That would be XX/XX/XXXX. I wake up, pay the note at XXXXXXXX XXXX pst. This company comes and repoed my vehicle at XXXX XXXX. Now they are giving me the run around telling me it was rightful and justified and theyre quoting me the east coast time. I am on the west coast. Please help! This is fraud.
09/22/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	AZ 85140	Web
XX/XX/2023 - I called Global Lending Services to request my due date to be changed as their website states I can do. I was advised that since the statement has already been generated XX/XX/2023 I couldn't change the due date and I would have to make the payment that is due on XX/XX/2023 or I would be assessed a late fee of 5 % of the payment. Their website states a payment date change can be requested once per life of loan as long as first contractual payment minimum has been made, which I have furfilled.
05/31/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	NJ 080XX	Web
This company has called and messaged multiple times daily regarding a balance past due less than 30 days. I have received more than 3 phone calls a day since XX/XX/14. I spoke to the billing representative on that day stating payment would be made within 3 weeks to please not call until payment is made. A representative today failed to confirm the identity of the person on the phone call but continued to harass and badger me saying they would only stop calling if I promised to make payment within 7 days.
03/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	CO 80023	Web
Its been over 30 days and creditor has not updated they have not supplied this information and they must I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAAN status ( Paid as agreed, never late ) Under federal law they had 30 days to complete the investigation.
10/08/2022	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	KS 66502	Web	Servicemember
Another financial institution has refinanced my car. They continue to pressure me to pay for the vehicle, although the new Lien Holder and I completed the refinance before the monthly payment. XXXX calls me 2 to 3 times a day to collect payment when I do not owe them anything. Any issues relating to the car should be solved with the institution in charge of the payoff made which is my new Lien Holder. They even call me on the weekends! This needs to stop, and better communication needs to be a thing.
07/14/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	MO 631XX	Web
Made a payment on the loan leaving a part due balance. I have consistently made a conplete monthly payment on my car loan for over 6 months but my lender refuses to consolidate late fees and reset the car loan in order to reset the loan. They call literally call DAILY for the past due balance and each time I tell them I can make the monthly payment again in 30 days. They call each and every day and demand the past due amount even though I pay them every month. Why they won't reset the loan is troubling.
12/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MA 02048	Web
On XX/XX/2021 Global Lending Services has accessed my credit report from XXXX and XXXX. I have never contacted or seek to get any kind of financial product from the company nor have I heard of them before. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit hence a violation of my rights.
05/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77090	Web
I received a letter in the mail from this company stating that I was denied for credit. I never applied for credit with this company. I mailed them requesting documentation proving that I did. The mail was returned. I disputed with the credit reporting agency and I received a letter from the company stating that it was in connection with an application for credit. I asked to receive that document with my original wet signature. I received nothing from them. This is against the credit reporting acts.
10/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 342XX	Web	Older American
On XX/XX/2019 i responded to a cold call from a slaeman from XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX Fl. XXXX XXXX ) i said that i would be interested in seeing what was available but made it clear i did not want my credit report pulled. I reported that i had several credit reporting apps and had a rough estimate of what my score was. When i arrived at the dealership i discovered that my report had been pulled and several inquiries were made. I never gave verbal or written permission for that to be done
06/07/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	KS XXXXX	Web
Filed the administrative process outlined by the Bill of Exchange Act, Federal Reserve Act sect 16/29 and XXXX. This is the proper way to discharge a debt. They failed to respond to my numerous certified and notarized letters. They are now in default and they should comply with the instructions given in the letters. They have received a certified XXXX XXXX XXXX letter. They still choose to ignore and violate my rights anyways. They still are harassing me by call me on the telephone twice so far.
06/30/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CO 80112	Web
On XX/XX/2023 at XXXXXXXX XXXX I received a bill collectors call from Global Lending looking for XXXX XXXX. This is not the first time I have received phone calls or voicemails from this company for XXXX.I am not XXXX XXXX. Im not responsible for her debt. The number they are calling me from is XXXX. They keep leaving voicemails and Im personally fed up. I asked them several times to put my name on the do not call list. I feel the company is harassing me for someone elses poor credit decisions.
11/25/2023	Yes	Vehicle loan or lease Lease	Repossession Damage caused or loss of personal items in vehicle during the actual repossession	NV 89139	Web
They took the car about 10 months ago or so and I had personal items in the car we did not no that they we're coming to take the car because my husband called them to let them know that we would make a payment but they did not want to wait and I feel like this repo should not be on the credit report because we had a payment plan and the company was receiving the money yeah it was not the whole amount but we did let them know when we could make a payment and they just came and towed the car
10/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60620	Web
I DID AUTHORIZE THESE INQUIRES 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
07/29/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	IN 464XX	Web
On XX/XX/2021 I natural person and federally protected consumer XXXX XXXX XXXX believe Global Lending Services have violated my federally protected consumer rights under the FDCPA ( fair debt collection practice act ) FCRA ( fair credit reporting act ) and T.I.L.A ( truth in lending act ) I walked into XXXX XXXX to fill out a consumer credit transaction and walked out with a loan and debt. I assume no liability for this alleged debt which I stated in the first affidavit. see attachments
06/26/2018	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	CO 80205	Web
Apparently I was put as a secondary contact in case they could not reach the individual ( family member ) who owes debt. I have been unable to reach anyone at the company and demand that all calls stop immediately. I demand that my information be immediately removed from any contact list and that all contact attempts cease. I've been called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have no legal obligation for this debt and have exhausted all remedies.
07/12/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	PA 175XX	Web
The problem is the loan on the used car has been for 4 years and since I have drove the car off the lot it has been problem after problem the 2017 XXXX XXXX is a piece of XXXX Can't contact the dealer because ironically they went out of business after purchase.. and again it needs work.. can't fix the XXXX to XXXX dollar problem and pay the payment ... global lending services is also garbage.. and the more I complain the more business they get the more fees and interest I get charged.
08/24/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	CA 93311	Web
I HAVE CONTACTED THE COMPANY GLOBAL LENDING SERVICES ON XX/XX/2020 AND HAVE EXPLAINED TO THEM THAT THIS ACCOUNT WAS DID UNDER FRAUD BECAUSE SOMEONE STOLE MY IDENTITY. I HAVE ALSO DISPUTED THIS ACCOUNT ON MY CREDIT AS FRAUD THIS ACCOUNT WAS OPENED UNDER FRAUD WHICH THE POLICE HAD ARRESTED TWO OF THE PEOPLE WHO STOLE MY IDENTITY. THIS COMPANY HAS NOT DELETED THIS OFF OF MY CREDIT AND THIS IS CAUSING HARM TO ME AND MY FAMILY.I HAVE A POLICE REPORT THAT WAS SENT TO THEM IN REGARDS TO THIS.
12/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 53719	Web
Global lending services has agreed to remove an unauthorized inquiry from my credit report several times since the incident occurred. THIS IS A HUGE PROBLEM, they are untrustworthy and still have not gotten it removed over a year later. Ive attached a copy of their response to my XX/XX/14 CFPB complaint and a copy of my credit inquiries as evidence to their dishonesty. I have never done business with them nor did i authorize them to run a credit inquiry and this is BEYOND UNACCEPTABLE
03/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	DC 20032	Web
XX/XX/2020 XXXX XXXX reapplied a XXXX balance onto my profile ; after paid credit repair. No letter of reinsertion or email or current phone contact was giving no other accounts are reporting from them and provided email to collection agency that all other balances were deleted. Also Global lending service denied my report for fraud after I had proof I was assaulted by my boy friend and how he used my information to complete purchase with my social online, and complaint was ignored.
09/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33162	Web
I NEED ALL 3 CREDIT BUREAU TO REMOVE ALL THESE HARD INQUIRES IVE HAD THAT I DONT HAVE NO KNOWDGED OF ... ..IVE CALLED XXXX TIME ABOUT THE INQURIES THAT I DIDNT RECOGNIZED OR GIVE ANYONE PERMISSION TO RUN MY INFORMATION I HAVE NO KNOWLEDGE OF IT, THEY DIDNT DO ANYTHING AND ITS DAMAGING MY CREDIT ... ..BESIDES THE I ENTERED I HAVE A FEW OTHER INQUIRES THAT NEED TO BE REMOVE FROM MY CREDIT REPORT XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
07/26/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CA 91325	Web
Identity theft Police reports have been filed & the car loan ( s ) do not belong to me! These items were disputed and they were kicked back as accurate and this is now affecting my approval rates for my own loans GLOBAL LENDING SERVICES Account type : Auto Loan Currently Closed Account Date opened XX/XX/XXXX Account type Auto Loan Status : Account charged off. {$19000.00} written off. {$4400.00} past due as of XX/XX/XXXX XXXX due amount {$4400.00} Original balance {$25000.00}
04/27/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	CA 945XX	Web
Received a car XX/XX/19. One month later XX/XX/19 financial manager said to return car after bank withdrew my loan. After being welcomed by the bank one week after XX/XX/19 I went in again to sign another loan with an additional increase of {$50.00} for the loan and signed another sales contract. I highly suggest that you get approved before driving off the lot because this dealership is not right. Ruining my credit and inquiries. These all need to be removed for my own good!
07/01/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	FL 32701	Web
The fees that we charged from the auto loan from Global Lending Services exceeded the amount and timeframe of the loan. The loan should have been paid off and due to extraneous fees the loan was extended beyond the worth or value of the car. Not to mention the {$5000.00} that was spent on the car after the major manufacturer defect found on the car which consisted of the persistent money being spent on the car which should have been considered a lemon after so many recalls.
10/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 35215	Web
On XX/XX/2020, a sales person contacted me from XXXX XXXX advised that I was able to trade my vehicle in with no down payment with this program that they have because I had my vehicle for over a year and was making good payments. I advised that I was not trying to have my credit pulled was in the purpose of trying to purchase a home. The promise and guarantee me that only XXXX would pull my credit, and that not the case server lenders pulled my credit without my permission.
04/17/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	IA 523XX	Web
The company contacted my XXXX XXXX family from several years ago which they had no right doing. When they did this it forced me to up and move. Have voluntarily surrendered the vehicle due to having to use funds for the payment to move to protect my family. They keep harrassing me to make the payment have not picked up the vehicle and have listed it as a repossession instead of voluntary surrender. This is a breach of my privacy and my safety and something needs to be done
06/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CT 06902	Web
Blessings, I've contacted each of the companies that appears on the list and they did not help me at all, which I informed them that I would make a report for what is happening to me since I have nothing to do with this that seems to be fraud and I need you to please help me remove it since my credit dropped because of all these inquiries that do not belong to me. XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XXXX
06/15/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	AL 36695	Web
I paid Global Lending Services the balance of {$24000.00} in XX/XX/XXXX on a XXXX XXXX XXXX. I received the title and original contract stamped paid weeks after. My bankruptcy case was demised in XX/XX/XXXX and global lending bankruptcy department put a repossession order on it XX/XX/XXXX.I can get anyone with the company to tell me when they will release my vehicle. I sent them all the supporting documents but I have yet to get remedy with global lending services.
03/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33055	Web
I have 3 unknown Hard Inquires on my report that i was unaware of when shopping for an auto loan, that i did not give consent for. I was shown at XXXX XXXX that they would check my credit with XXXX XXXX and i was approved with them. The other 3 auto finance companies i was not aware of or gave consent for was for Global Lending Service, XXXX XXXX XXXX, and XXXX XXXX XXXX. I disputed these inquires to the Credit Bureaus but they told me they could not remove them.
12/21/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 32208	Web
I contacted Global Lending Services on XXXX XXXX with a cease and desist due to them repossessing the vehicle and did not hear back after 30 days. The term " Communication '' means conveying of information regarding a debt directly or indirectly to any person through any media. According to 15 USC g. ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
05/22/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	SC 29651	Web	Older American
I was granted a loan extension for XX/XX/2020 and XX/XX/2020 due to the Corona Virus, which meant my next payment was due XX/XX/2020, said payment was made on time and Global Lending customer service employees continue calling advising that I my account is not current and my account is current. The extension was granted XX/XX/2020 which covered XX/XX/2020 and XX/XX/2020. Letter attached dated XX/XX/2020 from Global Lending confirming the extension was granted.
07/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	SC 29488	Web
I have contacted the company several times on XX/XX/XXXX and XX/XX/XXXX and didn't get any results. On XX/XX/XXXX I spoke with a representative he could not find anything in their system. So he told me call back on XX/XX/XXXX to speak to someone in another department which I did and she informed me that she could not find anything in the repo data system. She advised me to dispute it with the credit agency and they received the dispute and they will remove it.
06/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	GA 30309	Web
I was shocked when I reviewed my credit report and found late payment on my file. 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 payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
07/02/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	MD 20904	Web
I have fell behind on payments and began to pay late. I noticed no matter how much I payed the balance never goes down. I called and I was told that the reason why was because all my payments were going to late fees. When I asked what the late fees were I was told between $ XXXX {$11.00} a day. I feel as that is illegal and falls under usury. I have spoken with them and let them know of my concerns and I was told they can set the late fees as they please.
01/26/2022	Yes	Vehicle loan or lease Lease	Getting a loan or lease Changes in terms mid-deal or after closing	PA 19023	Web
GLOBAL LENDING SERVICE You've committed " FRAUD '' It has been brought to my attention 15 usc 1692 ( a ) ( i ) you have reported my personal/private information with third party agencies with out direct consent from me the original " CREDITOR '' Pursuant to usc 1605 the finance charge is the sum of charges with insurance included Pursuant to 15 usc following 15 usc 1635 Rights of Recission I demand you remove these neagative items off of my consumer report!
04/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 39213	Web
I applied for a car loan through XXXX XXXX and they sent out my social security number to other lenders trying to get me approve without my knowledge I only applied for that particular company XXXX XXXX in XXXX, This was dated for XXXX XXXX, ongoing XX/XX/XXXX, XXXX XXXX to XX/XX/XXXX all these car lenders and or banks were from one or two car lots I applied for and Again that was XXXX XXXX, and also XXXX XXXX the rest I had Absolutely no knowledge of.
09/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 17013	Web
After receiving my consumer report from the credit bureaus, I notice a fraudulent inquiry from Global Lending Services on XX/XX/21. I notified the credit bureaus through CFPB and the inquiry was deleted.Global Lending Services violated federal law. see 15 USC 1681b A2. I did not give Global Lending Services Written instruction to furnish anything on my report. They are civilly liable for this issue. I recently tried to apply for housing and was denied.
08/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30228	Web
From XXXX XXXX to XXXX XXXX, XX/XX/XXXX, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.
01/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91355	Web
In accordance with the fair credit Reporting act XXXX Account GLOBAL LENDING SERVICES, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 5 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
10/11/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	TN 37076	Web
I XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX ON XX/XX/2021. A consumer credit transaction in which a finance charge was involved. Title 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash but XXXX XXXX XXXX took cash. The finance charge is suppose to include insurance and XXXX XXXX XXXXXXXX made me purchase/include insurance separately
05/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AR 723XX	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for d purpose. XXXX XXXX XXXX
12/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28056	Web
ON XX/XX/2018 I WENT INTO XXXX XXXX XXXX TO TRY TO PURCHASE AN CAR. I WAS VERY PACIFIC TO NOT RUN MY CREDIT MORE THAN TWICE TO FIND OUT THE NEXT DAY THAT MY CREDIT WAS RAN EIGHT TTIMES. I WAS APPROVED THROUGH XXXX XXXX BUT THREE LATER THE LENDER DECIDED TO DECLINE THE LOAN. THEN WHILE I WAS AT WORK UNAWARE WHAT WAS GOING ON XXXX XXXX XXXX DECIDED TO RUN MY CREDIT THREE MORE TIME WITHOUT MY CONSENT. THIS HAS DAMAGED MU CREDIT SCORE SOME MORE.
12/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AR 724XX	Web
I have reported these hard inquiries to XXXX as fraudulent from these companies and they have not yet been removed. I did not authorize any of the following inquires and I have a police report attached showing that my identity was stolen. Please remove the following inquires from my XXXX credit report : XXXX XXXX XX/XX/2021 Global Lending Service XX/XX/2021 XX/XX/2021 XXXX XXXX XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XXXX XXXX XX/XX/2021
09/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32221	Web
Global Lending Services has agreed to remove the late payment and it will reflect on my credit report within 15 days, we have this in writing. It was removed immediately the next day from all 3 credit bureaus after they agreed. But then the late payment reappeared again in a few days. This is causing a major dip and confusion on my credit report and goes against what was agreed. Today makes 15 days and the late payment is still on my report.
06/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 17603	Web
In accordance with the Fair Credit Reporting Act, GLOBAL LENDING SERVICES has violated my rights under 15 USC1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section 604ASection 2, it also states a consumer reporting agency can not furnish an account without mywritten instructions. Under 15USC1666B a creditor may not treat a payment on a credit cardaccount under an open-end consumer credit plan as late for any purpose.
03/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30253	Web
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602 states " I have the right to privacy ''. 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 's 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
03/22/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	MD 20603	Web
Last XX/XX/2020 ... global lending services sent me a bill and it was for XXXX and something so I paid that thinking I had overpaid another month! They waited until the day after the 30th day to tell me I still had a balance of XXXX and something which I paid right away!!! I have begged them to take this off my credit since I have paid on time every other time. Please can you help me talk to them so this can be removed immediately thank you
11/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 35211	Web
This is to bring to your notice that my credit report shows an inquiry from your company, which I do not understand. As far as I know you are not permitted to inquire about any of my debt amounts without my authorization. The presence of such items on my credit report is likely to affect my credit worthiness and hamper my chances of acquiring new credit. Therefore, I request that you remove this inquiry from my credit report immediately.
06/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31602	Web	Servicemember
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
11/09/2023	Yes	Vehicle loan or lease Lease	Repossession Notice to repossess	TX 75212	Web
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
12/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 604XX	Web
I purchased a vehicle on XX/XX/XXXX and it ways paid in cash. There was no financing however the dealership XXXX XXXX ran my credit to three different loan companies. XXXX XXXX, Global Lending, and XXXX XXXX finance. None of these were authorized and all three above companies as well as the three credit bureaus wont remove any of the inquiries. I am trying to repair my credit and these three hard inquiries are hindering me from doing so.
10/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NV 89110	Web
I have bank statements showing timely payments. Global Lending due on the XXXX of each month. ( A ) 30 days late XX/XX/XXXX. 1. Bank statement payment was made on XX/XX/XXXX. ( B ) 30 days late XX/XX/XXXX. 1. Bank statement payment was made on XX/XX/XXXX. ( C ) 30 days late XX/XX/XXXX. 1. Bank statement payment was made on XX/XX/XXXX. The vehicle was traded on XX/XX/XXXX but, Global Lending continued listing late payments.
09/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 14211	Web
I have multiple inquiries on my credit report that Ive never inquired. Ive been misrepresented by a dealership. The dealership pulled my credit numerous amount of times on different dates. I am dealing through identy theft and this issue made it worst. I am in process of Sue dealership by given in proper information regarding my income on applications, pulling my credit multiple times on different dates and finically hardship on loan.
04/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MA XXXXX	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 153 consumer credit plan as late for and purpose
09/09/2023	Yes	Vehicle loan or lease Lease	Getting a loan or lease Problem with additional add-on products or services purchased with the loan	CO 80910	Web	Servicemember
I was denied for the loan from XXXX XXXX and they opened a loan within global lending which i had no knowledge of until i had already started signing paperwork and also was pressured into buying a warranty that i never wanted and also had to put a down payment down which of my knowledge is illegal and violates my rights. also after giving all the paperwork i was harassed into giving them more paperwork and they now want the car back.
05/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 482XX	Web	Servicemember
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states, I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
11/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	GA 30248	Web
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose
12/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 93313	Web
XXXX has been non-compliant with removing the unverified account GLOBAL LENDING SERVI which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that GLOBAL LENDING SERVI was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
08/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 398XX	Web	Servicemember
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
05/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29440	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for an purpose.
12/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 234XX	Web	Servicemember
On XX/XX/2018, 8 different financing companies ran my credit : Global Lending Services, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. I believe what happened was that the car dealership I went to ran my credit without my permission. The car dealership is called XXXX XXXX on XXXX XXXX XXXX XXXX XXXX, VA XXXX. On XX/XX/2018, XXXX XXXX XXXX also ran my credit without my permission.
08/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11706	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
05/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76115	Web
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any pupose.
04/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95901	Web
n accordance with the fair credit reporting act XXXX account XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.
12/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20784	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a Account without written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
03/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30318	Web
In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
09/13/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	OK 734XX	Web	Servicemember
I got an auto loan through Global Lending Solutions. I didn't know but they are predatory. The original loan amount was {$22000.00} at like 21 %. It was supposed to be for 5 years. Somehow it went on for 6 years. I paid every month and maybe was late like 2 or 3 months but not bad. It went on and seemed like they weren't applying payments. When I paid it all off, I asked how much in total I paid, and they said {$38000.00}.
12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 703XX	Web
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights.15 usc 1681section 602 states I have the right to privacy.15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions..15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
09/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL XXXXX	Web
In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 15 use 1681 section 602 states I gave the right to privacy. 15 use 1681 section 604 a section 2. It also states a consumer reporting agency can not furnish a account without my written Instructions. 15 use 1666b a creditor may not treat a payment on a car loan account under an open end consumer credit plan as late for any purpose.
03/24/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	PA 190XX	Web
I co-signed for a loan for my son... Im about to declare bankruptcy or loose my home.. the apr and fees are outrageous.. Im trying to get the payoff lowered so I can pay them off so I dont loose everything... my son lost his job then Covid happened ... this has been an upside down loan since the beginning upon reading this company specializes in this ... they have been paid double already then the car was originally worth
08/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91737	Web
In accordance to the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681-604 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor many not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
05/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 190XX	Web
In accordance with fair credit reporting act, XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose.
04/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75216	Web
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my right. 15USC 1681 section 602 states I have the right to privacy 15USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions. 15 USC 166B : a creditor may not treat a payment in credit card account under an open in consumer credit plan as late for purpose.
12/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MA 02128	Web
I have no knowledge of this collection account that is reporting on my credit report im a victim of identity theif .Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA.
03/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95660	Web
In accordance with the fair credit reporting act XXXX Account has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
10/06/2022	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 75092	Web
Global lending services has contacted me several times after I told them multiple times to stop calling. They then called my wife and co workers multiple times after they also asked them to stop calling ( multiple times ) last call they made was to my wife on XXXX at XXXX on her phone ( XXXX ) XXXX. I talked to a supervisor and she insisted they wouldnt call anymore but the calls still continue at a harassing rate.
05/17/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	CA 91030	Web
As start I am non XXXX visa holding work permit for 3 years ended on XX/XX/2021 but I was giving a car loan for 6 years and now I am not be able to finish it because my work permit is expired on XX/XX/2021 and when I was told to sign the contract they did not ask for my visa or work permit I did not know at that time because I did not get chance to think about it I was under pressure by the salesman what can I do?
10/30/2023	Yes	Vehicle loan or lease Loan	Repossession Account reinstatement or redemption after repossession	NC 28216	Web
" XXXX is the only place to get an official certified mail service. However, both XXXX and XXXX offer similar signature requirements and delivery confirmations. '' The state of NC requires that a notice of sale be sent. I never received a notification! The 'form ' letter does not include the certified mail barcode number that is typically listed on a letter. I would like proof of delivery or delete this account!
07/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 44124	Web
Global Lending Servi obtained a copy of my credit report on XX/XX/2021 - without my permission. The FCRA states that inquires made without " permissible purpose '' can be removed. Additionally, the FCRA states I can sue for damages up to {$1000.00} for pulling my credit report without my permission. Upon contacting XXXX, they were unable to provide proof of my signed approval for them to pull my credit report.
04/18/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	OH 441XX	Web
Purchase contract started on XX/XX/XXXX. The term was for 72 months. As of XX/XX/XXXX I am being told that the balance is {$10000.00}. Which means in 6 years Global lending have only credit to my account appx {$5000.00}. The Purchase price was only XXXX and I put XXXX down so the finance portion should not have been over XXXX. I have paid my note on time every month and they are still charging me late fees
02/08/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	IN 46350	Web
Account # XXXX On XX/XX/2022, I entered a verbal agreemnt with Global Lending Services that would extend our loan, cease repossession and our payments would resume on XX/XX/2022. I then signed a written form of the agreement and mailed it to GLS the next day. The aggreement was made directly with their VP of Collections, XXXX XXXX. This morning I woke to find that GLS had repossessed the vehicle anyways.
10/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19013	Web
there was an injury on my report that was placed well over 60 days ago. I reached out to the company and to have them remove it because I did not authorize it but it is still reporting. I also reached out to all the bureau 's and nothing has been done. Even though I sent information from my credit report they said it wasn't enough information to prove there was inquiry. However, the inquiry still remains.
12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44221	Web
According to the fair credit reporting act all XXXX accounts have violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit as late for purpose.
06/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60901	Web
I recently checked my XXXX credit report and seen global lending services unauthorized inquiries that I didnt authorized I tried to fix this with XXXX but they told me to contact the actual company according to the law I demand these unauthorized inquiries be remove from my XXXX credit report please. Unauthorized inquiries are : Global Lending Services. XX/XX/2019 Global Lending Services. XX/XX/2019
02/23/2022	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	GA 30253	Web
My recent Credit report is still showing the same Bankruptcy issue which I have already addressed to the XXXX and XXXX bureaus in my previous written complaints. The bankruptcy 's file date was incorrect and outdated. Make sure to provide proof that the filed date which you confirmed was correct. Send to my address a copy of the papers which shows that the bankruptcy was filed indicated in the report.
08/28/2023	Yes	Vehicle loan or lease Loan	Repossession Account reinstatement or redemption after repossession	CA 94607	Web
My car has been repossessed with no police reports on file and after I have paid them for get a release of my car the company that has been hired for towing is hard to reach and I cant get ahold of them and the loss prevention company kept giving me the run around with wrong phone number, disinformation and lies. My car is still being help after submitting payment with no contact with the tow company
04/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30044	Web
I went to XXXX XXXX XXXX to look at buying a new vehicle. I told sales person i only wanted my credit ran 1 time so i wouldn't have multiple hard inquiries on my credit report, now Im seeing at least 5 or 6 finance company on my report for the same day that my credit was ran at XXXX XXXX, that the only car lot I went to and only company I had run my credit. Can I have these hard inquiries removed?
09/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44094	Web
In accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 602 states I have the right to privacy 15 usc 1681 604a 2 also states a consumer reporting agency can not furnish an account without my written instruction. 15 usc 1666b a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.
09/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 53212	Web
As the result of an error at XXXX of XXXX this inquiry as added to my credit report. Ive communicated with GLS and sent them a different letter from XXXX explaining the situation that I no longer have access to. GLS has been uncooperative with removing this unauthorized inquiry from my credit report and I feel bullied into an inaccurate credit report because they dont care nor offer resolution.
09/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA XXXXX	Web
The company is Global Lending services and I sent in a dispute via XXXX to have them updated my account to current as it showed 3 late payments and I asked them to send me proof and the methods used to prove the late payments. The results came back and It had my account reporting 60 days past due when in fact my account is closed and paid in full since XXXX of 2021. I have attached pictures
06/26/2023	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33311	Web
Hello this is regarding my vehicle with Global Lending acct # XXXX my vehicle was totaled loss in a natural diaster the vehicle was paid off through vehicle insurance and Gap. however, this company reported my vehicle 30 days late XXXX so my request is two fold, first i ask that the company remove the late payment and also update the records to reflect that this vehicle has been paid off.
06/16/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	TX XXXXX	Web
I was in a major accident and my vehicle was deemed a total loss. Ultimately the other driver was at fault and their insurance company paid out a large settlement to Global Lending Services. I also had Gap insurance which paid out and a refund should've been processed for the remainder of my extended warranty. This was not done resulting in me having a negative remark on my credit report.
03/25/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	MS 396XX	Web
On XX/XX/XXXX2021, I was told that I needed to pay XXXX as a down payment on a XXXX XXXX XXXX. I was also told that I had to have full coverage insurance on the vehicle before I can leave. I have reason to believe that the lender ( Global Lending Services ) willingly and knowingly took advantage of me and my consumer credit. Within the contact I found at least 10 consumer law violations.
07/25/2022	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NJ 08012	Web
On XX/XX/XXXX I purchased a XXXX XXXX XXXX and was financed through global lending services. My son co signed the loan for me. I was told at the time of signing i would be on the loan to rebuild my credit. I recently found out i am not on the loan although my paperwork from the car dealership says so. i need global lending to add me to the loan so it reports me to the credit bureau.
04/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 60419	Web
Hi, I purchase a car from XXXX 's XXXX XXXX on XX/XX/2020. The car broke down on me several times on expressway and had me stranded alone. The dealership told me that they would fix it but I would have to it towed to them. Once, I had it towed to them they never fixed the car and this car is a part of the XXXX XXXX. They increased what I owed and I never agreed to these terms.
12/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29229	Web
In accordance with the fair credit reporting act, GLOBAL LENDING SERVICE Funding Account # XXXX has violated my rights. 15 u.s.c 1681 section 602 I have the right to privacy. 15 u.s.c. 1681 Section 604 Section 2 states a consumer reporting agency can not furnish an account without instructions. This company is under instigation and should not be reporting to my credit report
11/06/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	NY 11412	Web
Global Lending is a fraudulent company they are trying to collect a debt that is not owed, they have no records of such debt and continued to allow this debt to be in my. Credit report. They have no valid information for me to investigate and they have not submitted to me any validation of this debt include signed documents and proven balance. This is not a valid account.
02/01/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	GA 30080	Web
On XX/XX/2017 a payment in the amount of XXXX was paid to the account that was never posted to the account. The balance was then reported as over 30 days late with all three credit bureaus. After speaking with several customer service agents and providing proof that the payment was made Global lending services still refuses to remove the late payment from my credit repprts.
11/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32218	Web
To whom this concern, I am in the process of buying a home, and during that process of getting prepared for the process, I realized I had some damages on my credit report. I have no knowledge of these hard inquires that has been reported to my account. According to the 15 USC 1681 Law there should not be any damages on my credit report, as its a defamation to my character.
09/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60640	Web
I noticed unauthorized inquiries on my credit report that I did not authorize, I would like those inquiries to be removed. According to the FCRA these unverified and unauthorized items must be removed. Heres a couple inquiries I do not recognize. GLOBAL LENDING SERVICES XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
09/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	TX 77385	Web
My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
03/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TN 37013	Web
I the natural person did not authorize OR granted my permissible written consent to your company to pull my consumer report and neither did you provide me a consumer financial product or service pursuant to Title 12, United States Code, section 5841 ( 15 ). I demand your company immediately purge and delete the unauthorized inquiry from my credit file before ligation.
04/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19608	Web	Servicemember
In accordance with " The Fair Credit Reporting Act XXXX '', Global Lending Services on XX/XX/2022, has violated my rights by way hard inquiry on my credit report. 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
06/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90802	Web
During the pandemic it seems that my credit was ran to try to obtain a car. I do not have any open accounts for a car in the last year. I have been calling to get the inquires removed as this is a reflection on my three major consumer reports. Also the information does not match across all three reports and due to that information alone the inquires must be removed.
03/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75056	Web
I have reached out too these companies back in XX/XX/2022 in regards too these inquiries on my credit report I have called an they have not been able too provide me with a explanation as too why they are on my credit report so under FCRA 611 ( a ) ( 7 ) I would like for these companies submit verification of signature where I gave them permission to run my credit.
03/17/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 32810	Web
since XX/XX/XXXX was my first payment, i never received my statement by mail till date. every time i make my payment i ask the agent, where i call and make my payment he says that its been mailed to me wait, i asked them to repeat my address every thing is correct but i don't receive my statement. global lending services LLC, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX
08/14/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with fees charged	TX 76544	Web	Servicemember
We bought our car from global lending services in XXXX XXXX for {$18000.00} it is now XXXX XXXX XXXX and our payoff balance is {$16000.00} after us making {$470.00} payments since XX/XX/XXXX. When I asked them to explain they claimed it was put towards late fees along with charging extra fee amounts knowing my husband was serving overseas during that time
11/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32811	Web
On XX/XX/2022, I notice an unauthorized inquiry on my consumer report from ( GLOBAL LENDING SERVICES ) company. I requested that they send me the written " Permissible Purposes '' document, with no response or information. I suffered injury to my consumer report and score. 15 USC 1681b " Permissible Purposes '' must be given by the consumer and no other.
10/29/2021	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	DE 19701	Web
Never gave this company permission to call my new number XXXX, and they are leaving constant messages. I had this same problem before with my other phone XXXX, they are continuing the Samething. This is beyond frustrating its already bad enough I was affected by covid late fees are being charged and the vehicle doesnt even work. Very upset by the company
03/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32819	Web
XXXX XXXX XX/XX/XXXX. Fraudualent attempts to open a line of credit using my personal information. I have sent XXXX act letter to XXXX, XXXX and XXXX to remove the hards inquiries on my account. Reached out to the creditor to remove and inquiry from my account sent final letter XX/XX/XXXX to remove. No response, please remove inquiry from credit report.
01/16/2023	Yes	Vehicle loan or lease Loan	Credit monitoring or identity theft protection services Problem with product or service terms changing	GA 30032	Web
I got a loan through XXXX which the loan is through Global Lending Services they h keep reporting on my credit report late payments which I sent a letter to them explaining that late payments on a consumer report is illegal and fraudulent and they need to delete it off my credit report from all credit bureaus all they sent me is bills and what I owe.
08/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77084	Web
Reached out to companies about hard inquiries on my credit report. These companies have no information for me on file. I do not know why this is on my credit report but these inquiries should be deleted immediately from all major beaurus. The inquiries were made on XX/XX/XXXX. Three inquiries from XXXX XXXX and 1 inquire from global lending services
05/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76112	Web
XXXX XXXX did not have my permission to pull my credit report with all the companies on the letters. They have admitted their mistake and wrote letters, I have sent the letters to the companies and they are STILL on my credit reports. I have sent the letters as well to the credit bureaus and they will not delete them. All documentation is attached.
03/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 95206	Web
I received a copy of my credit report which showed inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it.The Fair Credit Reporting Act states that any Information that is maintained on an individual 's credit report must be accurate. This includes unauthorized inquiries.
08/09/2023	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	IL 60473	Web
In XX/XX/2023, payment arrangements were made with the creditor to XXXX past thirty day reporting to all three credit bureaus. I explained minimal payments were beyond my control due to COVID related employer polices that took into effect. ALL three debts between XXXX and XXXX were reported with an additional late fees totaling {$1900.00}.
02/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AR 724XX	Web
I do not know these inquiries that appears on my report. I need to get something done and these inquiries that I do not hinders me for doing so. I researched about on how to deal with them and the best result is seeking help through you guys. All I need to get this them removed. I know this is a violation of credit reporting under FCRA.
10/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 27703	Web
Hey so theres like 14 unauthorized and unknown inquiries on my credit. I dont know who is inquiring about things on my credit but I am not doing any of these. I have my car note, my Open carry weapon loan, my 2 credit cards and self. Thats it. So all of the other stuff? Im very confused as to where it came from and I believe its fraud
03/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30350	Web
Unauthorized inquiry to my consumer report demand {$1000.00} per violation. Invoice payment and letter attached. I have not authorized this company to obtain my credit report. You are in violation of The Fair Credit Reporting Act. 15 USC 1681, 15 USC 1681b ( f ), 15 USC 1693a ( 2 ), 15 USC 1681n ( a ), USC 1681 ( e ), 15 USC 57 ( b )
02/13/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	MO 64131	Web
XXXX XXXX XXXX XXXX XXXX and XXXX call them to confirm that i didn't owe anything to them the insurance company paid them off. The amount is XXXX 2nd Global Lending XXXX and XXXX made a call to them as well. Insurance company paid my car off because i had Full coverage through XXXX the amount for this loan is XXXXThis was paid off.
07/31/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	MD 20748	Web
I have expressed to my car loan lender that I am unable to make payments due to COVID 19. I was told that I am only allowed to place a car payment back into my loan amount once after every 6 months of consecutive on time payments are made. I was only able to do this once after being unemployed due to COVID 19 for over five months.
06/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	MD 21207	Web
XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from GLOBAL LENDING SERVICE located at XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX showed on my XXXX credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.
08/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90016	Web
XXXX5 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
03/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78210	Web
15 USC 1681 Section 602 States I Have the right to privacy. 15 USC 1681 Section 604 A Section 2 It also States a consumer reporting agency can not furnish a account without my written instruction 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
06/04/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	IN 464XX	Web
In my affidavit i stated violations on behalf of XXXX XXXX and Global Lending Services. I believe i federally protected consumer have been violated in several way under the fdcap, fair debt collection practice act. fcra fair credit reporting act, and also tila truth in lending act. any fraud in any contract is null and avoid.
03/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60623	Web
The amount alleged owed {$7500.00}, on XX/XX/2014. I have contact and told this company this account is not mine and never has been. I asked them to send me proof that the account is mine with signature and they did not send me a response back very XXXX. I sent XXXX letters to them asking for removal of unauthorized account
04/13/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	IL 60411	Web
A person with the name XXXX, called and text my neighbors, and other family members on XXXX, and before. This person stated he wants to give a person listed on my agreement, a kiss. They repeatedly call my home, leave messages, and email me, all day long. I dont appreciate the harassment to my neighbors and family members.
08/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 21222	Web
I have a loan with XXXX, DPT EDXXXX, and GLBLNDSVCS. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and GLBLNDSVCS with no successful resolution. There was definitely an error on their part.
07/25/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	IL 611XX	Web
XXXX XXXX XXXX it for a down payment of {$1000.00} auto retail installment transaction of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX falsely states that I made a down payment which it not true and lie in the contract with Global lending service which a Violent of usc 16- 33 Violation 15usc 1635 right of rescission
06/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AZ 85210	Web
I have made several attempts to get verification or an explanation on how a credit inquiry was put on my credit report with no success. I have no knowledge whatsoever of the credit inquiry and where it may have come from. The company refuses to provide documentation bearing my signature as required by law.
03/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 770XX	Web
I have called all 3 bureaus and filed that I did not authorize the credit inquiries on my credit report. They wouldnt help me. Said I had to call everyone and dispute them. I called all of them and got no where. Most said they would look into it. It has been 2 months now and I cant get anywhere with them.
11/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	MO 631XX	Web
Ive requested a 1099c form from global lending service auto loans so I can file the debt on my taxes they failed to provide me with a form so I asked did they file they wouldnt give me an answer and they are updating this balance as an open account in all 3 of the credit agencies transunion XXXX and XXXX
02/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78201	Web
N. Accordance with the fair credit reporting act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
07/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30344	Web
I want to emphasize that I have not applied for any credit or services offered this company nor have I granted permission for them to access my credit information. Therefore, the inquiry ( s ) made by this company are unauthorized and potentially damaging to my credit score and financial reputation.
07/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77449	Web
Apparently there has been a data breach which is the reason why I filed out the identity theft report with the XXXX County Police Department as well as the FTC report because I did not authorize these inquiries on my credit and I need to get these inquiries removed from my credit report immediately.
11/06/2023	Yes	Vehicle loan or lease Lease	Problem with a company's investigation into an existing problem Problem with personal statement of dispute	KY 40207	Web
I traded the car in they told me to put the XXXX down on the new car and they will make it where I did not have a late payment but it took XXXX days to do the paperwork and I have a late. The car is now paid off and they will not take the late payment off the credit. The company is global lending.
01/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 370XX	Web
They over charge me for one XXXX on finance for XXXX car they kept different amounts behind when they wasnt go from trans to XXXX every 2 weeks I had the car XXXX XXXX years seems like my amount never went down they been fraud a lot people and dealership did some things from looking at my paperwork
11/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60411	Web
Inaccurate reporting has been detected on my credit report. My credit report states that I am past due on a loan that has been paid for in full. GLS send a letter to me on XX/XX/19 that states my loan is paid for in full and that I owe a balance of {$0.00}. Supporting documentation is enclosed.
09/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30008	Web
In accordance with fair credit reporting act Global Lending Ser Has violated my rights. 15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
09/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30120	Web
I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
10/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19104	Web
I recently went to obtain copies of my credit report and noticed some unauthorized inquiries reflecting on all three of my credit reports. Not sure how they happened but I didn't authorize any of these inquires to run my credit. Now my credit score has been affected and lowered because of this.
03/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 752XX	Web
15 USC 168Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also stated a consumer furnish an account without my written instructions. 15 USC 1666B A creditor may not treat a payment on a credit card open-end consider credit pan as late for any purpose.
06/16/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	OK 73099	Web
I mailed them a {$3300.00} check around XX/XX/XXXX to bring my account current and then pay towards my principle balance. Almost a month later they still have not applied the check to my balance and they continue to charge me daily interest on the past due balance that should not be past due.
08/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 386XX	Web
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
01/05/2021	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TN 380XX	Web
My car was deemed as a total loss. I had Insurance and GAP insurance. Theres absolutely NO REASON I should have a balance when I had insurance in place of this and this lender didnt work make sure GAP covered the balance. They instead charged me fees that I shouldnt have or be responsible for
10/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 54449	Web
On XX/XX/20 we spoke to XXXX XXXX XXXX XXXX about leasing a vehicle. They were give EXPLICIT instruction to forward the request to the XXXX ONLY. XXXX XXXX XXXX XXXX forwarded our application to the following WITHOUT AUTHORIZATION : XXXX XXXX, XXXX, Global Lending Services, and XXXX XXXX.
12/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 36116	Web
On XX/XX/20 I checked my personal credit report and noticed multiple inquiries to the following companies. That I did not authorize to. The companies are listed below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these companies and this is fraud.
07/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 43615	Web
In Accordance with the Fair Reporting act XXXX Account, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
11/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43207	Web
This is my third time disputing these negative account on my credit report. I have a legal right to dispute anything on my credit report that was not authorized by me. I AM NOT AN ATTORNEY OR THIRD PARTY REP. The accounts are not mines : -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXXXXXX # XXXX
06/27/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07104	Web
I've been a victim of identity theft, serval accounts have been open frauduelnt by some one who stolen my identity, fraud account reporting to my XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX GLOBAL LENDING SERVI XXXX {$6600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX $ XXXX
04/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 361XX	Web
I WAS SENT AN ALERT THAT THIS COMPANT BY THE NAME OF GLOBAL LENDING SERVICES HAD OBTAINED A COPY OF MY CREDIT REPORT WITHOUT MY PERMISSION. UPON CONTACTING THIS COMPANY THEY PLAYED CRAZY AND ACTED AS THOUGH THEY DID NOT WHAT I WAS SPEAKING OF. THEY ARE LISTED ON MY XXXX CREDIT REPORT.
02/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	PA 19320	Web
My global auto loan was behind and was caught up and my truck got repoded exactly one week later. It was an illegal repo and has been a negative mark on my credit. XXXX XXXX credit card was fully paid with my security deposit and charged off. It needs to be removed off my credit
11/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 07522	Web
I need this credit reoorting on my profile removed? XXXXXXXX XXXX XXXXXXXX Address XXXX XXXX XXXX XXXX FL XXXX XXXX, NJ XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
08/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60628	Web	Servicemember
I dont recognize the accounts in question. o The report shows I owed money to the company that I have already repaid. [ XXXX loans were being reported as late and it was not listed on my credit file so how can they report on me ] o The status of my account is not correct.
11/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77042	Web
XX/XX/27 I looked at my credit file I called the companies and was told that information reported on my file is accurate but I never applied for anything. I explained I never made those inquiries. So I called the credit bureaus and was told to make a complaint with ftc.
12/27/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90723	Web
I have unauthorized " INQUIRES '' on my credit report and I wrote to the creditor 's explaining to them that I did not authorize these inquires and that I am a victim of ID theft. The creditor 's never contacted me back and never removed the information from my credit.
07/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 366XX	Web	Servicemember
There are inquiries on my report from these companies that I do not recognize. I have made an attempt to contact the company to have it corrected and to prove that it was fraud without resolve. I have filed a formal police report in XXXX, AL. The case number is XXXX.
09/07/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	TX 75080	Web
Global Lending group has been calling XXXX times a day from XXXX XXXX to the present day. I have set up payment arrangements and they continue to call XXXX times day even after payment arrangements have been set. This is considered harassment by the Fair Credit Act.
11/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	UT 84041	Web
1. On XX/XX/2020, GLOBAL LENDING SERVI add a hard inquiriy on my credit report per XXXX. 2. On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX. 3. On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.
04/01/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	TX 76116	Web
Loan payment 4 days late. Lost employment due to job not being essential during the current time. Global crisis and they refuse to work out anything to get them paid. Spoke with them today in reference to loan and they have nothing to say other than it's 4 days late
06/24/2023	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	GA 313XX	Web	Servicemember
Global lending Services has been calling me twice a day for over 9 days straight now, sometimes after XXXX. They have even started calling my family members. In total they have called 18 times in the past week. This company is an outrageously unprofessional group.
06/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30318	Web
I Have submitted a compliant that this is not my account and i advised that the lender, how was this investigated after reviewing the documents from the lender, the signature that on the document are not even my wet signature this is a clear case of identity theft
08/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	PA 19152	Web
I am writing this dispute because I believe it is against the law for a hard inquiry to stay on my credit without permission of me I have no account with these lender this was ran through a third-party without my permission for these particular company thank you
05/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 78664	Web
There have been accounts opened under my identity that I did not allow nor request. I am unaware of any of these accounts with Global Lending Service on XX/XX/2021 with XXXX. I have been a victim of identity theft. The FTC is already beginning an investigation.
08/29/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	PR 009XX	Web
Im trying to voluntary resign the car because I move to XXXX XXXX and the bank didnt let me take the car with me. I make the calls every week since XX/XX/XXXX and we are on XXXX they pass my to different levels of employees and no one can resolve the problem.
02/13/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	PA 17015	Web	Servicemember
Global Lending Solutions is showing five late payments on my report when they told me that due to the pandemic, they would not be reporting any late payments as long as I paid within 60 days. I am current in my loan. Their statements were misleading and false.
10/31/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NY 14623	Web	Servicemember
I was less then 30 days late on payments. I have always paid it head, on time, or less then 30 days before next payment is do. I'm trying to keep my credit good and increase my score and show people I'm serious about rebuilding my credit after bankruptcy.
11/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	FL 33801	Web
I noticed an unauthorized inquiry on my consumer report and according to FCRA legally these unverified and unauthorized items must be removed. I never gave you permissible permission to report without my consent and I never consent anything 15USC1681.
03/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 44118	Web
Auto loan XXXX XXXX XXXX XXXX account was open. Driver license and social card was stolen someone used information to open up bank accounts, XXXX XXXX, XXXX, XXXX XXXX. Cellular phone companies XXXX, XXXX XXXX XXXX and many other pay day loans online
03/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 43609	Web
I have multiple inquiries on my credit report that I did not authorize from XXXX XXXX XXXX XXXX XXXX, global lending service XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I did not authorize any of these and I would like them removed or deleted
07/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	SC 29150	Web	Servicemember
On XXXX XX/XX/2020, I went to buy a car from XXXX XXXX in XXXX, SC. The car salesman and I agreed that my credit report was suppose to been pulled once but instead they did it 3 times. After finding out they just apologized but didnt want to help.
04/27/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	CO 802XX	Web	Servicemember
In the face of a global pandemic my auto finance company is the only company trying to charge daily late fees. My job is new and Im playing catch up with everything. The payment they are adding fees to is in the mail and they should have it soon.
03/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60620	Web
I have a loan for a vehicle that i have never had along with an address that i have never resided in.The amount for the vehicle was around {$18000.00} and the amount that it says is delinquent is around {$9800.00} The lender is Global lending
12/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 44107	Web
I filed multiple disputes with XXXX, XXXX, and XXXX in regards to the incorrect items on my credit reports. It has been well over 30 days and I haven't received any investigation responses to my letters that I have sent to the Credit Bureaus.
02/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28273	Web
I recently checked my credit report and saw that GLOBAL LENDING SERVICE ( located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) ran my credit and that inquiry caused my credit score to XXXX. I am now concerned that my identity has been stolen.
06/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19026	Web
I was lulled into a car dealership with a preapproved offer of a car loan. Eventually I was denied the loan but after checking my report I've noticed a barrage of inquiries from different finance companies that weren't authorized by me.
01/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30024	Web
I did not authorize a hard credit pull of my credit. I only authorized a soft pull. Any hard pull of my credit is to be reduced to a soft pull or removed altogether. No authorization was given to have a hard pull of my credit file.
07/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	UT 841XX	Web
I have a vehicle loan with Global Lending Services that was taken in XXXX. It has been XXXX months and the loan does not appear in my credit reports. I called them and they say they have reported and it's not a problem on their end.
04/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 48221	Web
Since XX/XX/2018 I have submitted multiple disputes regarding Global lending service. I do not owe this account and it is consistently being reported as inaccurate which is a violation of my rights and the Fair Credit Reporting act.
05/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 620XX	Web
Global Lending Servi Inquiry from XX/XX/2019 - Auto Financing I do not know why this company is on my credit report. I have no knowledge of this company or doing business with them. I need this hard inquiry removed from my credit.
05/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30238	Web
I recently checked my report after trying to purchase a car and was denied. I notice multiple hard inquires for the car dealership trying to push for me to get an approved loan but I did not authorize these transactions.
06/21/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	OR 97266	Web	Servicemember
The attempts to validate debt owed on my credit report have gone unanswered, and when I attempted to gain information via the phone, the company could not find an account for me. the company is Global Lending Services
04/14/2023	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Denied request to lower payments	GA 30240	Web
I bought my car during covid, I ended up getting very ill and could not keep paying my car payment which had a 14 % interest rate on a XXXX XXXX I tried to reach out and get a lower payment but they kept denying me.
02/16/2023	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	WA 98178	Web
Global lending services calls me multiple times a day and leaves voicemails. They call at least 3-5x a day and have exceeded 7x/week repeatedly. I have asked them to stop but they say my number is on an auto dialer.
02/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 360XX	Web
They stole my identity and took out 4 cars in my name without me being there, in states that I'm not like New York and New Jersey, I only own a single car and it's a white XXXX XXXX XXXX, the other cars are a fraud
05/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30083	Web
*According to my most recent credit report, XXXX and XXXX are currently reporting that I applied for credit with the companies that I'm not aware of. I did not grant them authorization to review my credit report.
06/30/2017	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	DE 19713	Web
I advised this company to stop calling me on the dialer on several occasions. This company has not respected my wishes and continues to call me on the automatic dialer. On XXXX XXXX I received yet another call.
09/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 132XX	Web
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
07/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 95660	Web
XXXX XXXX had a offer that say I would be fine but preapproved for a loan and XXXX different hard inquiries put was put on my report dorming my XXXX XXXX by XXXX points. Then they stated that I was not eligible.
05/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30083	Web
According to my most recent credit report, XXXX and XXXX are currently reporting that I applied for credit with the companies that I'm not aware of. I did not grant them authorization to review my credit report.
03/29/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	AR 720XX	Web
Global Lending Services has violated my rights as an protected consumer under the Equal Credit Opportunity Act. I have enclose the violations done to me in the attachments. PLEASE CHECK THE ATTACHMENTS BELOW.
07/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 238XX	Web
Global Lending Services LLC is reporting late payments to my credit report. My XX/XX/2023 payment was deferred. My XXXX payment was made. They have reported that both payments were late and that is incorrect.
10/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85382	Web
My consumer rights are being violated and thats against the law I did not give consent/permission for my information to be reported on my credit report and want it removed immediately under FCRA 15 USC 6802
11/06/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Loan opened without my consent or knowledge	LA 700XX	Web
GLOBAL LENDING SERVICES on XX/XX/2022, did not have my permission to pull any report on my credit report, they unlawfully validated my right by not following or complaining the FAIR CREDIT REPORTING ACT.
12/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 761XX	Web
XXXX XXXX and other companies fraudulently pulled my credit report without my authorization. These unquurues were not authorized and are fraudulent : XXXX XXXX Global Lending Services XXXX XXXX XXXX XXXX
02/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 10301	Web
After I decided to not purchase a vehicle and I left from the dealer, the sales representative proceeded to send out my credit application with out my consent still looking to get a sale on the vehicle
06/09/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	SC 29607	Web
I tried to contact them for the service but they are not replying to my calls. I contacted to their office number as well but they refused to help me so I want to remove my account from this company.
07/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32828	Web
I authorized an agent at a XXXX retailer to check my qualification status for a loan on a trade-in. The agent then proceeded to pull my credit 4 times, from four different lenders without my consent.
09/07/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	FL 344XX	Web
I noticed unauthorized inquiries on my credit report that I would like removed. According to the FCRA these unverified and unauthorized accounts must be removed. All dates were XXXX XXXX XXXX XXXX
04/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28205	Web
I have filed a dispute in regards to the inquiries on my credit report that i do not recognize nor did i authorized. It has been well over 30 days and i haven't received any investigation results.
03/26/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	CT 067XX	Web
The Global Lending Services. company is accusing me of owing them over {$8000.00} they are submitting nothing relating to facts. I have asked the CT state Senator and the CT XXXX to get involved.
06/19/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	LA 70127	Web
Global Lending Service XXXX XX/XX/2016 {$2300.00} This account has caused me financial ruin. this account is fraudulent, and inaccurate. Please review the debt reporting act. This is a violation.
02/16/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	FL 331XX	Web
I sold my car to XXXX XXXX they took care of paying global lending for the car and it appears on my credit report that I stopped paying for it! you have to update that global lending information
02/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	IN 47304	Web	Servicemember
Global Lending Services is refusing to report my account correctly after multiple calls and emails as well as letters from my attorney with legal bankruptcy documentation included for reference.
05/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30327	Web
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request. It is a violation.
02/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	UT 84404	Web
Global Lending Service # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of my credit report.
04/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33511	Web
I recently pulled my credit report and noticed 2 hard inquiries on my report without permissible use. According to the FCRA they should be removed. Can you help with deleting these inquiries.
06/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TN 370XX	Web
XXXX They are reporting the account late and it not over 30 days affecting my credit score. Also- Global Lending is showing ion XXXX a collection and I paid it in full XXXXXXXX XXXX XXXX
05/31/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76140	Web
I asked the dealership not to run my credit multiple times. My request was not honored. I do not have any knowledge of this company that is reflecting on my credit report as a hard inquiry.
11/22/2019	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with the interest rate	TX 77093	Web
Hi my name is XXXX XXXX, Date of birth XX/XX/XXXX, I own a XXXX XXXX XXXX that was recently damaged due to the natural disaster in XXXX county and have been diagnosed disabled every since.
12/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75044	Web
GLSLLC inaccurately reporting late payments on my credit files. XX/XX/2019 and XX/XX/2019 are being shown as lates. How can the company reports a late payment when it's not past the month?
12/16/2022	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with additional products or services purchased with the loan	MO 63118	Web
Gap loan was not applied. Loan and late fees have impacted my credit negatively after car illegal manufacturers flaw. Loan services Global lending services is the financial establishment.
09/18/2023	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	UT 84118	Web	Servicemember
XXXX XXXX XXXX XXXX calls twice a day after I told them to stop repeatedly calling me. They leave a voicemail each time. Bank is : Global Lending Services XXXX XXXX XXXX XXXX XXXX XXXX
07/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77340	Web
Global Lending Service is reporting a account as a XXXX and this account is A fraudulent account I have wrote them letters plenty of times and have never received a response from them.
02/21/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	FL 344XX	Web
global lending services denied me credit after running my social security number. They are in violation of the Equal Opportunity Act, 15 USC 1691c. 15 USC 1642, and 12 CFR 1002.7 ( a )
09/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 61822	Web
these are unauthorized inquiries on my credit report from the following companies that i would like removed. information as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
05/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	WI 53218	Web
I have no record of this account that ever belonged to me with these collectors/creditors. I've asked them to send proof of ownership but they haven't complied with my request yet.
04/10/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	IN 46254	Web
Account name : Global Lending Services Account number : XXXX Date opened : XX/XX/2022 Original balance : {$33000.00} Balance : {$36000.00} Responsibility : Joint with XXXX XXXX
10/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32738	Web
Ive never heard of this company nor did I authorize them to run my credit. I have not applied for anything! This company improperly obtained my credit without my authorization!
07/05/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	NJ 08016	Web
I made my monthly payment then send in an additional payment with request that it be applied to pay my principal but this additional funds was not applied to pay my principal.
01/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NJ 07111	Web
I noticed multiple inquiries from different companies, I do not recognize. Also, I haven't authorized for them to use my information, and I would like them to be remove.
05/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77014	Web
I called the company & they could not give me any information. XXXX XXXX Global Lend XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
04/11/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	TX 751XX	Web
My car was sold and they stated that I had a balance left. The sold my car for more than they told to me. They left me with a higher balance than what I really owe.
01/29/2023	No	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	IL 60637	Web
Because I used a credit card, which would be considered my social security card in this case. This account should not have been added to my consumer credit report.
08/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33137	Web
Global Lending Services is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ). All corresponding documents are attached to this complaint
12/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33056	Web
I received a copy of my credit report and seen unauthorized credit inquiries on my credit report. Those credit inquires were placed without permissible purposes.
11/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 38801	Web
XX/XX/2023 mutiple inquiries came onto my credit report and days after to and i think someone has my social security number and trying to get things in my name.
10/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60621	Web
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX filed disputes for all fraudulent inquiries. called the companies and the bureau and still have not heard anything
02/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 60628	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
10/02/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	WA 98466	Web	Servicemember
Global lending services keep calling me and my husband saying that we are references on a loan that my ex husband 's ex wife has. They won't stop bothering us
03/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 43613	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
12/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77090	Web
I was not able to extend my credit to myself for personal use. I have not been able to live. Its been a hassle with all of these fraud errors on my account.
05/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33065	Web
There have been several inquires made via my credit without my consent to different finance companies and banks. These are authorizations I didnt authorize
02/02/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	NY XXXXX	Web
On XX/XX/2021 I was denied for an extension of credit and discriminated against by Global LendiXXXX services. I received no benefit from this transaction.
09/03/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90028	Web	Servicemember
Global lending is trying to collect a debt I do not owe. I have never done business with this company. I have never signed a contract with this company.
11/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77449	Web
I seen an inquire on my credit report and i did not request it. I requested removal on XX/XX/XXXX and was told it would be from company and it was not.
03/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MD 20707	Web
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
03/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 15221	Web
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
05/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 620XX	Web
I filled a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I havent received any investigation result.
12/12/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	FL 33619	Web
Global lending repossessed the car back in XXXX they keep putting the car in repossion. Status like they dont have the car and reporting late payments
01/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	TX 759XX	Web
There are some fraudelent inquiries reporting on my credit file. I have no account w these companies and haven't looked for any credit here recently.
08/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	KY 403XX	Web
I did not apply for credit with GLOBAL LENDING SERVICES on XX/XX/22. XXXX XXXX IS RUNNING MY CREDIT WITHOUT PERMISSION. PLEASE SEE SCANNED DOCUMENT.
09/19/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	GA 31404	Web
I was in a total accident the other insurance paid of the quote for the quad is completely paid off I owe nothing on this account has been closed
05/27/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70506	Web	Older American
XXXX XXXX XXXX did not have my express consent or written approval to access my credit. I would like this inquiry stricken from my credit report.
05/11/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Public record information inaccurate	AL 36582	Web	Servicemember
Credit report shows XXXX as a foreclosure instead of repossession. Also last account activity should be 2020. Report shows more recent than that.
05/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC XXXXX	Web	Servicemember
Victim of inquiry issue..numerous inquiries on my report that I dont recognize or gave permission to pull my report. Please remove all inquiries.
04/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA XXXXX	Web
After reviewing my account and multiple attempts to dispute with XXXX global lending continues to report inaccurate inquiries on the credit file
05/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	DC 20019	Web
i would like to file identity theft address id : XXXX address id : XXXX address id : XXXX address id : XXXX address id : XXXX report number XXXX
03/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 318XX	Web
I mailed a hard inquiry removal to the companies and requested that they remove this from my account.They stated they could not find my account.
02/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30127	Web
Theres an inquiry on my consumer report from a company I do not recognize. I do not have an account with them under collection nor for review.
02/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 01902	Web
XX/XX/2022 XXXX XXXX XXXX XXXX unauthorized inquiryXX/XX/2022 XXXX XXXX XXXX unauthorized inquiryXX/XX/2022 XX/XX/XXXXunauthorized inquiry
08/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32218	Web
I sent a dispute through XXXX XXXX and XXXX to remove my auto loan Global Lending Service and even though its paid off they didnt remove it.
09/08/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 310XX	Web
I did not authorize this company to pull my credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXXand it is affecting me getting credit.
08/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 34953	Web
I have 11 unauthorized inquiries on my credit report while trying to buy my home I have spoken with creditors and XXXX still no charges.
10/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77077	Web
XXXX XXXX XXXX pulled my credit with my consent or knowledge. GLOBAL LENDING SERVICES pulled my credit without my consent or knowledge.
10/12/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29223	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
10/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27330	Web
Car got repossessed back in XXXX of 2020 and the account is closed but I'm still getting late payments on my report for that account.
11/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TN 38017	Web
Unauthorized Inquires are on my credit report as of XXXX XXXX, XXXX 2019. These inquires have dropped my credit score by 100 points.
09/24/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78380	Web
the collection is showing on my credit as collection practice when it was charged off, they put it on 12 collections and a write off
07/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 23324	Web
I Do Not recognize this Inquiry from this company and have not given permission for this company to have access to my credit Report.
01/09/2021	No	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	CA 934XX	Web
Late payments reported to account XXXX, XXXX, and XXXX during COVID even after spoke with lender to make arrangements and payments.
07/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 23324	Web
I retrieved a copy of my credit report from XXXX and XXXX Credit Bureaus, and I noticed a credit inquiry that I did not authorize.
11/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60419	Web
I have multiple inquiries from car loans and one inquiry for a mortgage loan that I did not authorize. I submitted an FTC report.
03/26/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31021	Web
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.
05/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 766XX	Web
Late payments dates on my credit report are not accurate they have been put in wrong while my account with lenders are current
09/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11432	Web
Ive tried calling and reaching out to the companys either no one answers or the XXXX is busy or the number is not in service.
04/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30312	Web
On XX/XX/23 I contacted all XXXX credit bureaus notified them of the unauthorized inquiries but couldnt receive a resolution.
02/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77388	Web
so I affected by covi I was out of work and struggling to make payments but I lost job due to covid I just want these removed
12/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MI 481XX	Web
I called these companies to complain about them they said it was in error that they will contact the company but they havent
11/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	GA 312XX	Web
I did not give this company permission to view my consumer report. GLOBAL LENDING SERVICE XX/XX/2021 GLOBALLEND XX/XX/2021
05/06/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30094	Web
This debt belongs to my ex husband. This debt was also included in his bankruptcy. I am in no way responsible for this debt.
04/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28358	Web
Literally Done Called And Sent Letters They Just Continue To Update When I Authorize Nobody To Run My Credit Or Look At It.
09/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33023	Web
XXXX XXXX XXXX falsely reporting my name as an inquiry that I do not acknowledge neither consented to anything with them
09/10/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	AR 72601	Web
Global lending services refuses to even consider unemployment income as income in regards to my loan application.
09/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NJ 080XX	Web	Servicemember
I have know knowledge of this account and that you did not authorize the reporting of this account on my reports
10/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IA 503XX	Web
On XX/XX/2021 the company XXXX ran a Hard Inquiry without my consent. I'm now attempting to resolve that issue.
03/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NJ 07306	Web
THESE ARE INQUIRIES THAT WAS NOT AUTHORIZED : XXXX XXXX GLOBAL LENDING SERVICES XX/XX/2022 XXXX XXXX XXXX XXXX
11/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 77096	Web
This company is reporting an old information and I want it removed because it is damaging my credit scores.
01/17/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	MA 01604	Web
I made my payment sometimes twice a month or abd every month the balance never go down please I need helps
03/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 390XX	Web
I have hard inquiries that dates back from 2021, that i didnt authorize. No one seems to want to help me.
02/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33069	Web	Servicemember
Didnt give this company any authorization to check my score, and would like these inquiries to be removed
05/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75287	Web	Servicemember
XXXX of 2020 a website erroneously sent my sensitive information to multiple companies unbeknownst to me
12/02/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	SC 29680	Web
I filed for bankruptcy, gave them my attorney 's information but they still call me 4-6 times a day.
07/06/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA XXXXX	Web
I did not apply for credit or provided authorization for pulling my credit report for this loan.
04/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60636	Web
I have contacted these companies numerous times and the credit bureau XXXX and provide reports
09/05/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MI 48125	Web
the company applies my late payment to my principal balance so I am never able to get current
06/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WA 98006	Web	Servicemember
GLOBAL LENDING SERVICE pulled my credit without my knowledge on XX/XX/2020 and, XX/XX/2020,.
12/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 23324	Web
There are Inquiries that are reflecting on my credit report that I have not authorized.
03/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30082	Web
i disputed this inquires on XXXX, it has been more than 45 days and still no result.
03/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 20723	Web
XXXX accessed my account for a hard inquiry without my permission or authorization
02/15/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	OH 44094	Web
Global lending services LLC committed fraud and violated my rights as a consumer.
10/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NV 89166	Web
I was online looking at cars in I never gave anyone permission to run my credit
08/26/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	IL 604XX	Web
XX/XX/XXXX Fraudulent inquires on my credit report that I didn't Authorize.
02/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30040	Web
Hello Seems like some one else ( a female person ) has or is using my SSN
01/04/2023	Yes	Vehicle loan or lease Loan	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75104	Web
The company ran my credit report without my permission for this company.
09/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	NC 27612	Web
GLOBAL LENDING SERVICES IS VIOLATING THE FCRA, AND MY RIGHT TO PRIVACY
11/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 131XX	Web
Unauthorized Credit inquires from multiple places that are unknown of
04/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 206XX	Web
My information was reported to the credit agency without my consent.
10/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CT 068XX	Web
ON XX/XX/2021 THERE WAS AN INQUIRY ON MY REPORT I DID NOT RECOGNIZE.
10/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60617	Web
I credit was used by companies Ive havent given permission to use .
12/27/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75104	Web
Didnt apply for loan with company, the information is not accurate.
11/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19142	Web
I receive two hard inquiries why Im at work from XXXX XXXX in XXXX
01/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75043	Web
Data Breach information was compromised. Don't recognize account
06/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32258	Web
I did not consent to credit pull from Global Lending Services
08/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78664	Web	Servicemember
Inaccurate credit reporting, erroneously reported information
09/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90805	Web
My credit has been pulled fraudulently. Please remove inquiry
11/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 212XX	Web	Servicemember
On XX/XX/2023 unauthorized inquiries were made on my credit.
04/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 94303	Web
I did not authorize any of these lenders to pull my credit.
10/15/2019	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	WV XXXXX	Web
Repeated Phone Calls, Calling me at my place of employment
07/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 21122	Web
I am unaware of this inquiry and I did not authorize it.
09/22/2022	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	TX 77099	Web
Constant calling about an alleged debt also see attached
10/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60649	Web	Older American
There are unauthorized businesses on my credit report.
02/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AZ 853XX	Web
i did not authorize theses inquiries on my account
03/23/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 30318	Web
XXXX Amount- {$XXXX} Actions taken : FILED DISPUTE
01/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19120	Web
I did not authorize for my credit to be reported
04/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	AL 35211	Web
I have not applied for credit with this company
10/30/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	OH 441XX	Web
this information is not mines. what is this!
08/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	KS 66441	Web
Someone used my credit without my permission
06/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76028	Web
Didn't get a respond back from the company.
03/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48331	Web
I have inquiries that I didnt request..
07/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30114	Web
Pulled my credit without my consent
04/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30458	Web
unauthorized hard inquries
02/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30315	Web

02/03/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	NC 27260	Web

02/01/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91764	Web

01/30/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 604XX	Web

01/29/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44105	Web

01/26/2024	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	LA 70607	Web

01/26/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19153	Web

01/25/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11214	Web

01/24/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30040	Web

01/24/2024	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	MO 63112	Web

01/24/2024	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	CA 92392	Web

01/24/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	MO 63011	Web

01/23/2024	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	FL 32506	Web

01/23/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60417	Web

01/23/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30344	Web

01/22/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 76131	Web	Servicemember

01/22/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	VA 231XX	Web

01/20/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ XXXXX	Web

01/20/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30013	Web

01/19/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 94501	Web

01/19/2024	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33181	Web

01/17/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77346	Web

01/17/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77007	Web

01/16/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11520	Web

01/15/2024	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60620	Web

01/12/2024	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	GA 31602	Web	Servicemember

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AZ 86004	Web

01/10/2024	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	DE 19805	Web

01/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35235	Web

01/10/2024	Yes	Vehicle loan or lease Lease	Repossession Lender trying to repossess or disable the vehicle	TX 75067	Web

01/09/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33573	Web

01/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30328	Web

01/06/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30328	Web

01/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 21244	Web

01/04/2024	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	WA 98138	Phone

01/02/2024	Yes	Vehicle loan or lease Loan	Repossession Voluntary repossession	CA 95835	Web

01/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	DE 19711	Web

01/01/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32208	Web

12/31/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	FL 32065	Web

12/29/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33411	Web

12/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20782	Web

12/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30294	Web

12/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11520	Web

12/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33013	Web

12/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11104	Web

12/26/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	CO 80216	Phone

12/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90038	Web

12/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37075	Web

12/20/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	GA 315XX	Web

12/19/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CA 95822	Phone

12/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33897	Web

12/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NJ 070XX	Web

12/16/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	CA 92543	Web

12/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 22209	Web

12/13/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	TX 77539	Web

12/08/2023	Yes	Vehicle loan or lease Loan	Repossession Deficiency balance after repossession	CO 80018	Web

12/08/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Did not receive car title	NC 27407	Web

12/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60628	Web

12/04/2023	Yes	Vehicle loan or lease Loan	Repossession Lender trying to repossess or disable the vehicle	CA 91344	Phone

12/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46807	Web

12/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33063	Web

11/30/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 94607	Web

11/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 61614	Web

11/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	WI 53144	Web

11/20/2023	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	MI 48228	Web

11/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WA 98059	Web

11/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33020	Web

11/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 38133	Web

11/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77064	Web

11/11/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	IL 60803	Web

11/08/2023	Yes	Vehicle loan or lease Loan	Repossession Account reinstatement or redemption after repossession	TX 75218	Web

11/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77388	Web

11/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 53209	Web

11/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30096	Web

11/05/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	CT 06053	Web

11/02/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	IN 46203	Web

11/02/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	OH 44122	Web

11/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 94010	Web

10/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 78717	Web

10/24/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Loan opened without my consent or knowledge	OH 44004	Web	Servicemember

10/24/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	OH 44146	Web

10/24/2023	Yes	Vehicle loan or lease Lease	Repossession Deficiency balance after repossession	IL 61832	Web

10/21/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NC 28129	Web

10/20/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	IN 46203	Web

10/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32206	Web

10/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19138	Web

10/18/2023	Yes	Vehicle loan or lease Loan	Repossession Lender trying to repossess or disable the vehicle	TX 76001	Web

10/18/2023	Yes	Vehicle loan or lease Loan	Repossession Deficiency balance after repossession	GA 31407	Web

10/16/2023	Yes	Vehicle loan or lease Loan	Repossession Voluntary repossession	GA 30252	Web

10/16/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	LA 71105	Web

10/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28144	Web

10/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23832	Web

10/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32084	Web

10/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 10460	Web

10/10/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	NC 28216	Web

10/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28027	Web

10/09/2023	Yes	Vehicle loan or lease Loan	Repossession Company communicating payment assistance or payment extension options	CA 92584	Web	Older American

10/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46222	Web

10/07/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77054	Web

10/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95821	Web

10/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 36854	Web

09/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19013	Web

09/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32835	Web

09/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TN 37405	Web

09/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19027	Web

09/24/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	NV 89156	Web

09/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77328	Web

09/22/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	GA 30252	Web

09/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IN 46224	Web

09/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19122	Web

09/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MI 48188	Web

09/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	MD 20748	Web

09/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44105	Web

09/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IN 46237	Web

09/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 20785	Web

09/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 39530	Web

09/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19050	Web

09/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92019	Web

09/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28390	Web

09/06/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	GA 31602	Web	Servicemember

09/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 31088	Web

08/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 23453	Web

08/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 39046	Web

08/30/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	CO 80216	Phone

08/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 61832	Web

08/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77584	Web

08/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78249	Web

08/22/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	OH 44122	Web

08/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 35756	Web

08/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60565	Web

08/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60803	Web

08/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11235	Web

08/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60805	Web

08/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	IL 60188	Phone

08/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 31602	Web

08/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27330	Web

08/10/2023	Yes	Vehicle loan or lease Loan	Improper use of your report Credit inquiries on your report that you don't recognize	NY 13088	Phone

08/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19013	Web

08/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11223	Web

08/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91325	Web

08/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77583	Web

08/08/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	MD 21206	Postal mail

08/07/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CO 80216	Phone

08/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NE 68005	Web

08/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33417	Web

08/01/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 78744	Web

07/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 21206	Web

07/29/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	IL 60484	Web

07/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 18466	Web

07/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77583	Web	Servicemember

07/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60453	Web

07/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30274	Web

07/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60458	Web

07/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 73112	Web

07/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30101	Web

07/21/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CO 80216	Phone

07/19/2023	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 44122	Web

07/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75104	Web

07/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 43240	Web

07/17/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	CO 80018	Web

07/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78065	Web

07/13/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	MI 49503	Phone	Older American

07/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33311	Web

07/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 91204	Web

07/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48162	Web

07/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32058	Web

07/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MN 56324	Referral

07/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WA 98007	Web

07/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 20785	Web

07/02/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	OH 44122	Web

07/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60619	Web

06/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90250	Web

06/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60609	Web

06/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33313	Web

06/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 44134	Web

06/19/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 31779	Web

06/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	TX 77479	Web

06/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60615	Web

06/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95834	Web

05/30/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	ID 83709	Web

05/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 91325	Web

05/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 76108	Web

05/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30281	Web

05/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28269	Web

05/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75169	Web

05/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33160	Web

05/22/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 31419	Web

05/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 94590	Web

05/18/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	NM 88005	Web

05/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75039	Web

05/16/2023	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TX 75063	Web

05/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35750	Web

05/13/2023	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 32073	Web

05/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33756	Web

05/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27537	Web

05/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 91977	Web

05/08/2023	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	TX 77064	Web

05/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MO 63033	Web

05/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	CO 80018	Web

05/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10940	Web

05/03/2023	Yes	Vehicle loan or lease Lease	Getting a loan or lease Credit denial	MD 21230	Web

05/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11229	Web

04/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MO 63119	Web	Servicemember

04/28/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	AZ 85027	Web	Servicemember

04/25/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	MD 21740	Web

04/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77356	Web

04/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32669	Web

04/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32669	Web

04/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WV 24701	Web

04/24/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	VA 23505	Web

04/23/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	AL 35603	Web

04/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	MO 63119	Web	Servicemember

04/21/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	CO 80018	Web

04/21/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	GA 30458	Web

04/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60005	Web

04/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32822	Web

04/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 10306	Web

04/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	KS 67207	Web

04/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TN 38109	Web

04/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19115	Web

04/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	KS 66866	Web

04/11/2023	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 60429	Web

04/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 91604	Web

04/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60619	Web

04/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11229	Web

04/06/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	GA 30326	Web

04/05/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TN 37122	Web

04/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75115	Web	Servicemember

04/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33137	Web

03/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 08873	Web

03/29/2023	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 75063	Web

03/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27537	Web

03/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 34714	Web

03/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	SC 29349	Web

03/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75205	Web

03/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19115	Web

03/16/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	OK 741XX	Web	Servicemember

03/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33129	Web

03/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 21234	Web

03/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44121	Web

03/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	IL 60630	Web

03/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33760	Web

03/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 95843	Web

03/07/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	KS 66201	Web

02/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19115	Web

02/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32822	Web

02/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WA 98387	Web

02/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 10462	Web

02/18/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	SC 29209	Web

02/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37122	Web

02/14/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	NC 28590	Web

02/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75203	Web	Servicemember

02/13/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	VA 23702	Web

02/10/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	OH 44118	Web

02/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 12110	Web

02/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 08068	Web

02/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19145	Web

02/03/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	SC 29485	Web

02/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33421	Web	Servicemember

01/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30907	Web

01/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AR 722XX	Web

01/29/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TN 37128	Web

01/28/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TX 76707	Web

01/27/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	AZ 85374	Web

01/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 62025	Web

01/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AR 72118	Web

01/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 32506	Web

01/13/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TX 76707	Web

01/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	KY 402XX	Web

01/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33054	Web

01/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 07601	Web	Servicemember

01/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33617	Web

01/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MO 63031	Web

01/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 15205	Web

01/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NE 68506	Phone

01/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 22408	Web

12/31/2022	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	FL 33137	Web

12/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19018	Web

12/29/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 31069	Web

12/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	SC 29303	Web

12/28/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Public record information inaccurate	OR 97206	Web

12/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	GA 31206	Web	Servicemember

12/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90012	Web

12/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30349	Web

12/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33179	Web

12/15/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19153	Web

12/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 73112	Web

12/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AR 72113	Web

12/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MI 48092	Web

12/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33019	Web

12/04/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	AZ 85032	Web

12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60639	Web

12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75134	Web

11/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 79382	Web

11/21/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33319	Web

11/17/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	GA 30168	Web

11/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 20109	Web

11/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30052	Web

11/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MA 01431	Web

11/11/2022	Yes	Vehicle loan or lease Lease	Getting a loan or lease Fraudulent loan	IL 62025	Web

11/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60458	Web

11/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60706	Web

11/10/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	OH 441XX	Web

10/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77007	Web

10/31/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30014	Web

10/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23878	Web

10/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70127	Web

10/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92345	Web

10/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 53206	Web

10/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77089	Web

10/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60625	Web

10/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11550	Web

10/13/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 32839	Phone

10/12/2022	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	SD 57501	Web

10/03/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	PA 15059	Web

10/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	PA 19018	Web

10/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60624	Web

09/26/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	NV 89131	Web

09/19/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	SC 29102	Web

09/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92618	Web

09/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AR 72713	Web

09/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19153	Web

08/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 39402	Web

08/30/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TX 77099	Web

08/24/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	TX 77099	Web

08/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78550	Phone

08/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33314	Web

08/16/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	WA 98144	Web

08/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MS 38641	Web

08/15/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	GA 30084	Web

08/05/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	KS 66725	Web	Servicemember

08/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 76450	Web

08/02/2022	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NV 89110	Web

08/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19119	Web

08/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77027	Web	Servicemember

07/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 10901	Web

07/26/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 31324	Web

07/25/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	OK 73045	Web	Servicemember

07/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37160	Web

07/25/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	MA 01843	Web

07/24/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	VA 22026	Web

07/21/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TX 78245	Web	Servicemember

07/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 10030	Web

07/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75230	Web

07/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33179	Web

07/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33578	Web	Servicemember

07/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 70460	Web

07/07/2022	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with fees charged	KY 40211	Web

07/06/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	MD 20703	Web

07/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AL 36606	Web

07/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32503	Web

06/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 39212	Web

06/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92122	Web

06/28/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	OH 44131	Web	Servicemember

06/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NV 89131	Web

06/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 94404	Web

06/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48141	Web

06/16/2022	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	FL 34983	Web

06/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60649	Phone

06/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28081	Phone

06/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 31302	Web

06/07/2022	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	AR 72215	Web

06/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 20111	Web

06/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NV 89131	Web

06/03/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 94305	Referral

05/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33131	Web

05/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90806	Web

05/20/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with additional add-on products or services purchased with the loan	TX 79401	Postal mail

05/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19116	Web

05/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 20912	Web

05/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 70775	Web

05/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89081	Web

05/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 71109	Web	Servicemember

05/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	MS 39531	Web

05/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 31768	Web

05/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33572	Web	Servicemember

04/30/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	FL 32055	Web

04/28/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	PA 19154	Phone	Older American, Servicemember

04/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77082	Web

04/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 21239	Web

04/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	SC 29073	Web

04/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WA 98012	Web

04/20/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	MT 59538	Phone

04/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33179	Web

04/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33019	Web

04/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 39209	Web

04/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30313	Web

04/07/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	FL 34788	Phone	Older American

03/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NV 89052	Web

03/24/2022	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	IA 50266	Web

03/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11223	Web

03/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77803	Web

03/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28574	Web

03/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92066	Web

03/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60085	Web

03/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70122	Referral

03/06/2022	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	SC 29483	Web

03/01/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	CT 06512	Referral

02/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43068	Web

02/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 19401	Web

02/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33908	Web

02/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92066	Web

02/17/2022	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MA 02780	Web

02/08/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CA 91709	Web

02/08/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Personal information incorrect	CA 95678	Web

02/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 23509	Web

02/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 23234	Web

02/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44120	Web

01/27/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	OH 44060	Web

01/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75044	Web

01/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 21402	Web

01/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 94597	Web

01/07/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	FL 33319	Web

12/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77040	Web

12/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30126	Web

12/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33908	Web

12/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 94577	Phone

12/21/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	NY 11412	Web

12/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NJ 07087	Web

12/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35216	Web

12/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38125	Web

12/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19053	Web

11/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33428	Web

11/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08109	Web

11/17/2021	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 43232	Web

11/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 15025	Web

11/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	VA 23220	Web

11/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30144	Web

11/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75454	Web

11/04/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91932	Web

11/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78727	Web

10/29/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	CA 93313	Web

10/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19140	Web

10/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30253	Web

10/22/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	MD 20744	Web

10/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 62221	Web

10/16/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	CA 937XX	Web

10/12/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	LA 70122	Web

10/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 44146	Web

10/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	WI 53221	Web

10/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11746	Web

10/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MA 02188	Web

10/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 75104	Web

10/05/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	NJ 08751	Referral

09/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IN 46086	Web

09/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33313	Web

09/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 77354	Web

09/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 38930	Web

09/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 23453	Web

09/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60620	Web

09/16/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	VA 22488	Phone

09/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 39648	Web

09/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TN 38119	Web

09/13/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 76177	Phone	Older American

09/12/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	MO 63108	Web

09/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92780	Web

09/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19116	Web

09/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NJ 07052	Web

09/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 78227	Web

09/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91978	Web	Servicemember

08/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AR 72301	Web

08/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33777	Web

08/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91206	Web

08/25/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 75119	Phone

08/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 70394	Web

08/20/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	SC 29412	Web

08/19/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TN 37421	Web

08/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92404	Web

08/16/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	CA 91942	Phone

08/15/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	LA 70570	Web

08/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30122	Web

08/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 95207	Web

08/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 20782	Web	Servicemember

08/01/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	PA 17603	Web

08/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77377	Web

07/30/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	NC 27612	Phone

07/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MI 48076	Web

07/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11550	Web

07/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NJ 07104	Web

07/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 44124	Web

07/17/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 30331	Web

07/15/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	NC 27612	Phone

07/14/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	OK 73112	Web

07/13/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	WY 82007	Phone

07/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 38128	Web

07/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NJ 08701	Web

07/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AL 35216	Web

07/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92630	Web

06/30/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	TX 77494	Web

06/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MN 55447	Web

06/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	SC 29045	Web

06/18/2021	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	MD 21090	Web

06/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 35907	Web

06/10/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	MS 39503	Web

06/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	WA 98408	Web

06/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 23602	Web

06/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	MD 21117	Web

06/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MO 65401	Web	Servicemember

06/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75370	Postal mail

05/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11214	Web

05/27/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	SC 29412	Web

05/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29302	Web

05/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MO 63033	Web

05/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 35553	Web

05/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 314XX	Web

05/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 23875	Web

05/03/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31021	Web

04/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30809	Web	Servicemember

04/28/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	WI 53511	Phone

04/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77584	Web

04/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 63136	Web	Servicemember

04/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89044	Web

04/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	SC 29302	Web

04/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MO 64086	Web

04/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60438	Web

04/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60074	Web

03/20/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 32835	Web

03/16/2021	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31021	Web

03/15/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 91303	Phone

03/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78665	Web

03/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MI 48383	Web

03/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33401	Web

03/02/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	MI 48230	Web

03/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07430	Web

03/02/2021	Yes	Vehicle loan or lease Lease	Incorrect information on your report Account information incorrect	NE 68116	Web

03/01/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33054	Web

02/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NV 89031	Web

02/26/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TN 38128	Phone	Servicemember

02/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 78640	Web

02/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AL 36093	Web

02/22/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MI 48230	Web

02/22/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	MI 48230	Web

02/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48230	Web

02/20/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 43209	Web

02/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MO 64063	Web

02/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28227	Web

02/08/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	LA 70092	Web

02/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48174	Web

02/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32789	Referral

01/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WA 98006	Web	Servicemember

01/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	MI 48230	Web

01/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92656	Web

01/27/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 78028	Web

01/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 38930	Web

01/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	DE 19711	Web

01/20/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 76135	Web

01/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60642	Web

01/19/2021	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 78245	Web

01/11/2021	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with the interest rate	FL 33177	Web

01/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60436	Web

01/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29223	Web

01/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77044	Web

12/18/2020	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 78640	Web

12/18/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	MD 21001	Phone	Servicemember

12/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28310	Web	Servicemember

12/15/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	IL 61350	Phone

12/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 11412	Web

12/14/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem		Phone	Servicemember

11/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92557	Web

11/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33326	Web

11/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76177	Fax

11/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75077	Referral

10/28/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	NJ 08096	Web

10/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30101	Phone

10/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	SC 29466	Web

10/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 70058	Web

10/06/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	PA 17015	Web	Servicemember

10/02/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	SC 29407	Web

10/02/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	KY 42025	Web

09/30/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	IL 60459	Referral

09/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92335	Web

09/15/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	MD 21001	Phone

09/09/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	IL 60647	Web

09/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MO 63112	Web

09/01/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	IL 60181	Web

08/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30350	Web

08/25/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 77049	Web

08/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MN 56031	Phone

08/13/2020	Yes	Debt collection Auto debt	Communication tactics Used obscene, profane, or other abusive language	OH 44109	Web

08/13/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	TN 37130	Web

08/03/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CO 80916	Web	Servicemember

08/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 92571	Web

07/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32789	Web	Older American

07/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30180	Web

07/21/2020	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	WA 99217	Web

07/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WA 98004	Web

07/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78028	Web

07/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 27410	Web

06/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TN 38006	Web

06/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60478	Web

06/11/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	TN 38115	Web

06/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60462	Web

05/21/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	PA 17015	Web	Servicemember

05/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60642	Web

05/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92570	Web

05/08/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	TX 78247	Web

05/04/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30281	Fax

05/03/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	WA 98004	Web

04/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32828	Web

04/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NJ 08028	Web

04/21/2020	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	CA 93465	Web

04/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33570	Web

04/13/2020	Yes	Vehicle loan or lease Loan	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30101	Phone

04/07/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	MI 48221	Web

04/07/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	VT 05443	Referral

04/01/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CA 91311	Web

03/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95320	Web

03/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 76244	Web

03/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60614	Web

03/02/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	CT 06706	Web

02/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19082	Web

02/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32940	Web

02/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89101	Web

02/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92805	Web

02/07/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30321	Postal mail

01/25/2020	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	CT 06706	Web

01/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33610	Web

12/17/2019	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 91775	Postal mail

12/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Received unsolicited financial product or insurance offers after opting out	TX 77007	Web

11/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75115	Web	Servicemember

11/14/2019	Yes	Vehicle loan or lease Loan	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28214	Web

11/14/2019	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Contacted your employer	TX 75035	Web

11/09/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	AL 35805	Web

11/05/2019	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	GA 31705	Web	Servicemember

11/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 31201	Web

10/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 70458	Web	Servicemember

10/23/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	NC 28216	Web

10/22/2019	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	MD 21225	Postal mail

10/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77090	Web

09/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 44121	Web

08/29/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle		Phone	Servicemember

08/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 15212	Postal mail

08/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60610	Web

07/07/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30305	Web

07/04/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Problem after you declared or threatened to declare bankruptcy	AZ 85207	Web

07/02/2019	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	WA 98932	Web

07/01/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	NJ 08757	Referral

07/01/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged		Phone

06/17/2019	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Lender trying to repossess or disable the vehicle		Phone

06/10/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 79932	Web

05/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MO 65560	Web	Servicemember

05/16/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	FL 331XX	Web

05/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize		Web

05/07/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	VA 23323	Web

05/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60516	Web

05/03/2019	Yes	Checking or savings account Other banking product or service	Improper use of your report Credit inquiries on your report that you don't recognize	DE 19720	Phone	Older American

04/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28669	Web

04/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize		Phone

04/10/2019	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	VA 23803	Phone

04/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33056	Web

03/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OR 97228	Web

03/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30088	Web	Servicemember

03/04/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 30102	Web	Servicemember

02/12/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 23235	Referral

02/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77433	Web

02/06/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	TX 75056	Web

01/28/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77449	Web

01/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 11693	Postal mail

12/28/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect		Phone

12/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	IL 60617	Web

10/14/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	SC 29632	Web	Older American

09/25/2018	Yes	Vehicle loan or lease Loan	Improper use of your report Credit inquiries on your report that you don't recognize	GA 31705	Phone

09/25/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	AZ 85053	Postal mail

09/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92346	Web

08/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77034	Web

07/05/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	SC 29485	Web

05/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	KY 42701	Web

04/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 31206	Web

03/18/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 90011	Web

02/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	PA 18302	Web

02/01/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60112	Web

01/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60473	Web

01/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60051	Web

01/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30241	Web

12/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30097	Web

10/25/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 77073	Phone

10/16/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33312	Web

09/25/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	NC 28215	Web

09/01/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	MD 20904	Web

08/28/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	GA 30294	Web

08/08/2017	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	MO 63146	Web

07/25/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	GA 30189	Web

07/24/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	UT 84005	Web

07/07/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WI 53546	Web

06/13/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	NC 28227	Web

05/02/2017	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	VA 20148	Web

02/03/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	GA 30506	Web

01/24/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	SC 29036	Web

01/23/2017	Yes	Debt collection Auto	False statements or representation Attempted to collect wrong amount	OH 43110	Phone	Older American

01/21/2017	Yes	Debt collection Auto	Improper contact or sharing of info Talked to a third party about my debt	SC 29303	Web

12/15/2016	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	KY 42170	Web

12/08/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	SC 29036	Web

12/03/2016	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	SC 29410	Web

11/07/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	OH 43160	Phone

08/23/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 94122	Phone

07/26/2016	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	MO 65202	Web

06/28/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	MI 48223	Phone

01/11/2016	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 94541	Web

09/17/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 76134	Web

07/16/2015	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	IL 62035	Web

06/26/2015	Yes	Credit reporting	Incorrect information on credit report Personal information	TX 75376	Postal mail