11778932
|
2025-01-26
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
General Motors Financial Company, Inc.
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Information belongs to someone else
|
Sub Product |
Credit reporting
|
Date Received |
2025-01-26
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-26
|
|
11630290
|
2025-01-19
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
General Motors Financial Company, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt was result of identity theft
|
Sub Product |
Auto debt
|
Date Received |
2025-01-19
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-19
|
|
11320806
|
2024-12-31
|
Written notification about debt
|
Debt collection
|
|
Issue |
Written notification about debt
|
Timely |
Yes
|
Company |
General Motors Financial Company, Inc.
|
Product |
Debt collection
|
Sub Issue |
Didn't receive enough information to verify debt
|
Sub Product |
I do not know
|
Date Received |
2024-12-31
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-12-31
|
|
11335119
|
2025-01-01
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
Issue |
Improper use of your report
|
Timely |
Yes
|
Company |
General Motors Financial Company, Inc.
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Reporting company used your report improperly
|
Sub Product |
Credit reporting
|
Date Received |
2025-01-01
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-01
|
|
11772114
|
2025-01-24
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
Issue |
Problem with a company's investigation into an existing problem
|
Timely |
Yes
|
Company |
General Motors Financial Company, Inc.
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Their investigation did not fix an error on your report
|
Sub Product |
Credit reporting
|
Date Received |
2025-01-24
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-24
|
|
11764664
|
2025-01-24
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
General Motors Financial Company, Inc.
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Information belongs to someone else
|
Sub Product |
Credit reporting
|
Date Received |
2025-01-24
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-24
|
|
10787401
|
2024-11-13
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
Issue |
Improper use of your report
|
Timely |
Yes
|
Company |
General Motors Financial Company, Inc.
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Reporting company used your report improperly
|
Sub Product |
Credit reporting
|
Date Received |
2024-11-13
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-11-13
|
Consumer Consent Provided |
Consent not provided
|
|
10806699
|
2024-11-15
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
Issue |
Improper use of your report
|
Timely |
Yes
|
Company |
General Motors Financial Company, Inc.
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Credit inquiries on your report that you don't recognize
|
Sub Product |
Credit reporting
|
Date Received |
2024-11-15
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-11-15
|
Complaint What Happened |
# XXXX These accounts should not be furnished on my consumer report as they are in XXXXXXXX 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 : ( XXXX ) 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.
# XXXX 15 U.S. Code 1681c2 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 XXXX business days after the date of receipt
|
Consumer Consent Provided |
Consent provided
|
|
11324281
|
2024-12-30
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
General Motors Financial Company, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt was result of identity theft
|
Sub Product |
I do not know
|
Date Received |
2024-12-30
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-12-30
|
|
11449312
|
2025-01-10
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
Issue |
Improper use of your report
|
Timely |
Yes
|
Company |
General Motors Financial Company, Inc.
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Reporting company used your report improperly
|
Sub Product |
Credit reporting
|
Date Received |
2025-01-10
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-10
|
|
11779988
|
2025-01-26
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
Issue |
Improper use of your report
|
Timely |
Yes
|
Company |
General Motors Financial Company, Inc.
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Credit inquiries on your report that you don't recognize
|
Sub Product |
Credit reporting
|
Date Received |
2025-01-26
|
Submitted Via |
Web
|
Company Response |
Closed with non-monetary relief
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-26
|
|
10853502
|
2024-11-20
|
Problem with a company's investigation into an existing problem
|
Vehicle loan or lease
|
|
Issue |
Problem with a company's investigation into an existing problem
|
Timely |
Yes
|
Company |
General Motors Financial Company, Inc.
|
Product |
Vehicle loan or lease
|
Sub Issue |
Their investigation did not fix an error on your report
|
Sub Product |
Lease
|
Date Received |
2024-11-20
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-11-20
|
Consumer Consent Provided |
Consent not provided
|
|
11312006
|
2024-12-28
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
Issue |
Problem with a company's investigation into an existing problem
|
Timely |
Yes
|
Company |
General Motors Financial Company, Inc.
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Their investigation did not fix an error on your report
|
Sub Product |
Credit reporting
|
Date Received |
2024-12-28
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-12-28
|
|
11013934
|
2024-12-03
|
Written notification about debt
|
Debt collection
|
|
Issue |
Written notification about debt
|
Timely |
Yes
|
Company |
General Motors Financial Company, Inc.
|
Product |
Debt collection
|
Sub Issue |
Didn't receive notice of right to dispute
|
Sub Product |
Auto debt
|
Date Received |
2024-12-03
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-12-03
|
Complaint What Happened |
After 3 years, I was notified of a debt tied to an auto loan when I applied for a new a loan with my bank. All addresses being used were incorrect even though I updated my address at USPS. I called the debt collector and asked if I paid {$2000.00} would my debt be considered pay in full. The operator XXXX XXXX agreed. I requested a letter stating the agreement showing that if I paid for this, the rest would be {$0.00}. I received a letter today and it only says for me to pay {$2000.00}. No assurance that I won't be pursued for more after that payment. They refuse to send me a settlement letter stating the agreement for both parties.
|
Consumer Consent Provided |
Consent provided
|
|
11237577
|
2024-12-20
|
Getting a loan or lease
|
Vehicle loan or lease
|
|
Issue |
Getting a loan or lease
|
Timely |
Yes
|
Company |
General Motors Financial Company, Inc.
|
Product |
Vehicle loan or lease
|
Sub Issue |
Problem with signing the paperwork
|
Sub Product |
Loan
|
Date Received |
2024-12-20
|
Submitted Via |
Web
|
Company Response |
In progress
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-12-20
|
|
11109574
|
2024-12-12
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
General Motors Financial Company, Inc.
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Account status incorrect
|
Sub Product |
Credit reporting
|
Date Received |
2024-12-12
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-12-18
|
|
11235028
|
2024-12-20
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
Issue |
Managing the loan or lease
|
Timely |
Yes
|
Company |
General Motors Financial Company, Inc.
|
Product |
Vehicle loan or lease
|
Sub Issue |
Billing problem
|
Sub Product |
Loan
|
Date Received |
2024-12-20
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-12-20
|
|
11153432
|
2024-12-14
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
Tags |
Servicemember
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
General Motors Financial Company, Inc.
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Account status incorrect
|
Sub Product |
Credit reporting
|
Date Received |
2024-12-14
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-12-14
|
|
10459556
|
2024-10-15
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
General Motors Financial Company, Inc.
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Account information incorrect
|
Sub Product |
Credit reporting
|
Date Received |
2024-10-15
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-10-15
|
Consumer Consent Provided |
Consent not provided
|
|
10457844
|
2024-10-15
|
Credit monitoring or identity theft protection services
|
Credit reporting or other personal consumer reports
|
|
Issue |
Credit monitoring or identity theft protection services
|
Timely |
Yes
|
Company |
General Motors Financial Company, Inc.
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Didn't receive services that were advertised
|
Sub Product |
Credit reporting
|
Date Received |
2024-10-15
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-10-15
|
Consumer Consent Provided |
Consent not provided
|
|
11091497
|
2024-12-09
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
General Motors Financial Company, Inc.
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Account information incorrect
|
Sub Product |
Credit reporting
|
Date Received |
2024-12-09
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-12-09
|
Complaint What Happened |
GM Financial states on my credit report that this account has been charged off. I never received a 1099-C. Being that the they already filed my account as a charge off on their taxes, and I have never received a 1099-C, this company is committing fraud. I kindly request that the CFPB investigate XXXX XXXX and take appropriate action to address this matter.
|
Consumer Consent Provided |
Consent provided
|
|
7420795
|
2023-08-18
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
Issue |
Problem with a credit reporting company's investigation into an existing problem
|
Timely |
Yes
|
Company |
General Motors Financial Company, Inc.
|
Product |
Credit reporting, credit repair services, or other personal consumer reports
|
Sub Issue |
Their investigation did not fix an error on your report
|
Sub Product |
Credit reporting
|
Date Received |
2023-08-18
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2023-08-18
|
Complaint What Happened |
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.
|
Consumer Consent Provided |
Consent provided
|
|
7907772
|
2023-11-27
|
Incorrect information on your report
|
Vehicle loan or lease
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
General Motors Financial Company, Inc.
|
Product |
Vehicle loan or lease
|
Sub Issue |
Account information incorrect
|
Sub Product |
Loan
|
Date Received |
2023-11-27
|
Submitted Via |
Web
|
Company Response |
Closed with non-monetary relief
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2023-11-27
|
Consumer Consent Provided |
Consent not provided
|
|
6612213
|
2023-02-24
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
Issue |
Improper use of your report
|
Timely |
Yes
|
Company |
General Motors Financial Company, Inc.
|
Product |
Credit reporting, credit repair services, or other personal consumer reports
|
Sub Issue |
Reporting company used your report improperly
|
Sub Product |
Credit reporting
|
Date Received |
2023-02-24
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2023-02-24
|
Complaint What Happened |
I have Sent dozens of letters and maid hundreds of phone calls. ive sent multiple Letters to the creditor and they have not abided by what ive requested.
They have also violated my CONSUMER LAW because they never gave me the option to OPT OUT from reporting this information to a third party!
15 U.S. Code 6802b GM FINANCIAL account number - XXXX.
Date opened : XX/XX/2016 via XXXX Please DELETE ACCOUNT!
|
Consumer Consent Provided |
Consent provided
|
|
10785721
|
2024-11-13
|
Trouble during payment process
|
Mortgage
|
|
Issue |
Trouble during payment process
|
Timely |
Yes
|
Company |
General Motors Financial Company, Inc.
|
Product |
Mortgage
|
Sub Issue |
Fees charged
|
Sub Product |
Conventional home mortgage
|
Date Received |
2024-11-13
|
Submitted Via |
Referral
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-11-13
|
Consumer Consent Provided |
N/A
|
|
5528836
|
2022-05-02
|
Improper use of your report
|
Vehicle loan or lease
|
|
Issue |
Improper use of your report
|
Timely |
Yes
|
Company |
General Motors Financial Company, Inc.
|
Product |
Vehicle loan or lease
|
Sub Issue |
Reporting company used your report improperly
|
Sub Product |
Loan
|
Date Received |
2022-05-02
|
Submitted Via |
Web
|
Company Response |
Closed with non-monetary relief
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2022-05-02
|
Consumer Consent Provided |
Consent not provided
|
|
6677754
|
2023-03-10
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
Issue |
Improper use of your report
|
Timely |
Yes
|
Company |
General Motors Financial Company, Inc.
|
Product |
Credit reporting, credit repair services, or other personal consumer reports
|
Sub Issue |
Credit inquiries on your report that you don't recognize
|
Sub Product |
Credit reporting
|
Date Received |
2023-03-10
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2023-03-10
|
Consumer Consent Provided |
Consent not provided
|
|
6190689
|
2022-11-11
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
Issue |
Improper use of your report
|
Timely |
Yes
|
Company |
General Motors Financial Company, Inc.
|
Product |
Credit reporting, credit repair services, or other personal consumer reports
|
Sub Issue |
Credit inquiries on your report that you don't recognize
|
Sub Product |
Credit reporting
|
Date Received |
2022-11-11
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2022-11-11
|
Consumer Consent Provided |
Consent not provided
|
|
6363015
|
2022-12-26
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
General Motors Financial Company, Inc.
|
Product |
Credit reporting, credit repair services, or other personal consumer reports
|
Sub Issue |
Account information incorrect
|
Sub Product |
Credit reporting
|
Date Received |
2022-12-26
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2022-12-26
|
Complaint What Happened |
Dear Sir or Maam : Pursuant to the Servicemembers Civil Relief Act ( SCRA ) 50 U.S.C. App. Section 527, this letter is my formal written request to reduce the rate of interest to six percent ( 6.0 % ) for the above referenced account.
I am currently serving on XXXX XXXX with the XXXX XXXX XXXX XXXX. I entered XXXX XXXX on Date, which was after after the time I incurred the above referenced debt. The SCRA establishes a six percent ( 6.0 % ) per annum ceiling on interest during the period of a servicemembers military service. This reduced rate became effective upon my entry to XXXX XXXX on Date, and shall be applied retroactively to date of entry to XXXX XXXX.
Under the SCRA, any interest in excess of 6.0 % per year shall be forgiven. Additionally, any payments shall be reduced by the amount of interest forgiven which is allocable to the period of such payment.
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period.
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law.
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.
|
Consumer Consent Provided |
Consent provided
|
|
6323387
|
2022-12-16
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
General Motors Financial Company, Inc.
|
Product |
Credit reporting, credit repair services, or other personal consumer reports
|
Sub Issue |
Account information incorrect
|
Sub Product |
Credit reporting
|
Date Received |
2022-12-16
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2022-12-16
|
Complaint What Happened |
NOTICE TO AGENT XXXX NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT.
In pursuant to 15 usc 1666 ( 3 ) ( i ) ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or I do not agree with the statement that has been reported on my consumer report without my consent, show me the documents that I gave them permission to report anything on my consumer report, further more they have infringed upon my rights to privacy. Due to the fact of them reporting inaccurate information on my consume report this has stopped me from being able to leverage my consumer report to acquire my everyday living and a new car pursuant to 15 usc 1681 ( a ) the banking system is depended upon fair and accurate reporting, furthermore you have infringed upon my right to privacy later stated within the congressional findings of the FCRA.
I feel as the misuse of my credit is taking place because I am apart of a tribe and indigenous, they are discriminating me by reporting inaccurate information. Once again I demand that they provide me with the written communication in where I gave them the right to report these late payments, I demand deletion at once with these late payments reported on my consumer report. Credit is the right granted by me the creditor and with the deceptive and unfair practices they have affected me from exercising my rights and acquiring lines of credit. I Demand that they send the consumer file to the address below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
Consumer Consent Provided |
Consent provided
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6295376
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2022-12-09
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Improper use of your report
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Credit reporting, credit repair services, or other personal consumer reports
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Issue |
Improper use of your report
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Timely |
Yes
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Company |
General Motors Financial Company, Inc.
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Product |
Credit reporting, credit repair services, or other personal consumer reports
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Sub Issue |
Credit inquiries on your report that you don't recognize
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Sub Product |
Credit reporting
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Date Received |
2022-12-09
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Submitted Via |
Web
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Company Response |
Closed with explanation
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Consumer Disputed |
N/A
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Date Sent To Company |
2022-12-09
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Consumer Consent Provided |
Consent not provided
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