Date Received: 2023-09-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My credit was not supposed to be ran.
Company Response:
State: NC
Zip: 28390
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XX/XX/2023 they run a hard inquired for a car and I wasnt looking to purchase or get a car
Company Response:
State: NY
Zip: 11510
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: I XXXX XXXX, natural person and consumer, have an open dispute with GM Financial regarding an unlawful contract based on obvious TILA violations regarding the Finance charge. My account with GM Financial had an account balance of {$0.00} as of XX/XX/2023. On XX/XX/2023 GM Financial illegally tracked my vehicle, breaking my right to privacy, and Stole my Vehicle that I use for personal, family, and household needs. This theft was in retaliation to me enforcing my rights under the Truth In Lending Act. I have a current arbitration case with American Arbitration Association case # XXXX. GM Financial is in breach of contract by not adhering to the Arbitration clause in the contract. They are causing great injury to me and my family. It is my belief that GM Financials Attorney XXXX XXXX has advised them to take unlawful action against a consumer under the color of law. A violation of 18 USC 242. GM Financial is guilty of tax fraud by reducing their tax liability through the inaccurate calculation and reporting of the Finance Charge associated with the contract in question. The Finance Charge on the contract attached is NOT the sum total of all charges payable as defined 15 USC 1605. They have also received tax credit for a profit loss write off and then unlawfully seized property that was not rightfully theirs.
Company Response:
State: TN
Zip: 37115
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act GM financial acct # XXXX has violated my rights. 15 USC1681 Section 602 states that I have the rights to privacy. 15 USC 1681 Section 604A Section2 : 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 a credit account under an open end consumer credit plan as late for any purpose.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX denied my claim XX/XX/XXXX to pay off the rest of my car loan which the vehicle was totaled. They claim that my claim was denied because of commercial use. But In the contract it states the vehicle is permitted for commercial use. And GMC Financial is still reporting late payments to the credit bereau because of this.
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33172
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX The universal requisites, at a minimum, include adhering to any and all applicable federal and state statutes, regulations, and standards which is required to ensure that the involved entities each have the correct policies and procedures in place to document their confirmed certifiable compliant reporting process even to the mandates to adhere to the XXXX XXXX data-filled field formatted reporting standards, of which no omitting nor deviations from the aforementioned standards can exist without jeopardizing the claimed data 's integrity calling into question its ethical and or lawful retaining of the very conditional privilege to report complete, true, accurate, physically proven data. THIS OFFICIAL CONSUMER COMPLAINT is my compliance-based contesting of the accusers reporting privilege related to any negativity accused versus me. In this, accept my challenge of you and or the reporter for proof of adequate confirmed reporting process including the mandatorily utilized XXXX XXXX format. CLEARLY, INACCURACIES CANT BE CERTIFIABLY COMPLIANT! XXXX GM FINANCIAL Account number XXXX XXXXXXXX XXXX Type Detail : Reason : XXXX Account Type : Reason : MISSING INFO XXXX Credit Limit : Reason : XXXX Highest Credit/Original Loan Amount Reason : MISSING INFO XXXX Terms Duration : Reason : MISSING XXXX Scheduled Monthly Payment Amount : Reason : XXXX Account Status : Reason : Not accurate XXXX Comments : Reason : XXXX Compliance Condition Code : Reason : MISSING INFO
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Company Response:
State: TX
Zip: 75039
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: GM Financial is reporting inaccurate information on my credit report. Its reporting a balance on a closed account that has been charged off. I am asking for accounting records and paperwork of vehicle been sold in auction and for how much, not just their word. I want to know how did the company verified I owed XXXX. Because the original balance was XXXX and XXXX was written off and vehicle was sold in auction so the number are not adding up.
Company Response:
State: TX
Zip: 78537
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I have been paying for my car with GM financial for over 3 years I have just paid off my {$38000.00} student loan and have been tracking my credit on credit sesame very carefully. I took my last deferment for XXXX and XX/XX/2023 with GM financial and starting XX/XX/XXXX I was to go back to my normal {$280.00} payment with GM financial. I have screenshots of the conversation I had with the representative in XXXX saying that I only needed to pay {$110.00} something and I would be deferred for XXXX and XXXX and to start making payments again XX/XX/XXXX. This means that if I were to pay the {$110.00} in XXXX I would have no late fees for XXXX and XXXX and starting XX/XX/XXXX I will go back to the normal payment. I have photos of the conversation with GM financial I have photos of the payment that was made that I promised and I have photos of my dashboard from GM financial as that is how I make my payments. I have been watching my credit very carefully because I just paid off my student loans with credit sesame and according to them I am 2 months behind on my car payment and I am in Jeopardy of losing my car by repossession. I continue to get on GM financial and all of my statements say that I have over {$100.00} in late fees and I owe over {$400.00} right now which is totally incorrect. I was supposed to make my regular {$280.00} payment XX/XX/XXXX and I have proof on the GM financial statement and for my bank account that shows I made a payment on XX/XX/XXXX of XXXX. My GM financial dashboard as of today says that I am behind 2 months still and I owe over {$400.00}. I have tried numerous times even calling as I don't like to do because that leaves me no proof of anything to try to get this situation dealt with I need to make my XXXX payment but it still says I'm 2 months past due and nobody from GM financial will help me I have constant creditors calling my cell phone so I rarely answer my phone if it's a number that I don't know I also had someone call yesterday and threaten repossession. If you could contact me by email first and then I will call you back that would be appreciated as I don't answer my phone call because so many creditors are calling me right now I'm very nervous my car is going to get taken from me and I just want what is owed to me and that is my dashboard saying what I really owe no late fees and it taken off my credit report I just want to make my payment. Okay hold
Company Response:
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A