Consumer complaint received 2025-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Global Lending Services LLC
State: CA

Complaint narrative:
Problem : I am submitting this complaint regarding a lender who has inaccurately and falsely reported information on my credit report. 

I attempted to resolve this directly with the lender by providing proof of the correct loan terms, but they refused to correct the report or acknowledge the discrepancy. Their actions appear to be intentional misrepresentation, and this inaccurate reporting is negatively affecting my credit. The CFPB complaint from GLS on XX/XX/XXXX clearly shows a falsely balanced amount of {$43000.00}, although the XX/XX/XXXX GLS Principal & Interest Statement shows {$42000.00}.

The amount reported does not match the agreement I signed. I have documentation that proves the amount and terms reported are incorrect and were never agreed upon.

Global Lending Services continues to furnish inaccurate, incomplete, and misleading information to the credit bureaus. On XX/XX/XXXX, of the original contract signing, I entered into a vehicle purchase contract with GLS for a principal amount of {$44000.00}. The contract clearly states : a copy of my Experian credit report, which I am including, which correctly shows XX/XX/XXXX, the account balance shows {$44000.00}. Global Lending Services contract terms on XX/XX/XXXX amount financed is {$4400.00}. 
on XX/XX/XXXX, I requested a Principal & Interest statement from GLS, and it clearly shows inaccurate balances when you compare my XXXX  report. Each date shows inaccurate balances. GSL Payment History statement is inaccurate if compared to my bank statement, payments, and receipts. 

GLS Principal & Interest statement that was requested on XX/XX/XXXX shows a high interest adjustment of {$800.00} on XX/XX/XXXX and XXXX On XX/XX/XXXX also shows on XX/XX/XXXX a payment of XXXX .. XXXX was fraudulent according to my XX/XX/XXXX bank statement the company tried to hide it and charge it on the Principal & Interest statement that was requested on XX/XX/XXXX shows the payment that I made on the XX/XX/XXXX was a {$1000.00}. 



this was not agreed in the terms, and that the lender intentionally falsified the terms or amounts, the reporting was fraudulent or deceptive as of XX/XX/XXXX, and Have been overcharged or paid more than agreed. 

XXXX. ( XXXX XXXX balances {$44000.00} - XX/XX/XXXX ) XXXX. ( GLS-XXXX  XXXX balances {$44000.00} - XX/XX/XXXX ) XXXX. ( XXXX XXXX balances {$43000.00} - Paid on XX/XX/XXXX ) XXXX. ( GLS-XXXX  XXXX balances {$43000.00} - Paid on XX/XX/XXXX ) XXXX. ( XXXX XXXX balances {$43000.00} - Paid on XX/XX/XXXX ) XXXX. ( GLS-XXXX  XXXX balances {$43000.00} - Paid on XX/XX/XXXX ) XXXX. ( XXXX XXXX balances {$42000.00} - Paid on XX/XX/XXXX ) XXXX. ( GLS-XXXX  XXXX balances {$43000.00} - Paid XX/XX/XXXX ) XXXX. ( XXXX XXXX balances {$42000.00} - Paid XX/XX/XXXX ) XXXX. ( GLS-XXXX  XXXX balances {$42000.00} - Paid XX/XX/XXXX ) all payments were made on time ; therefore, there should be no high interest rate or payments missing Experian credit report, XX/XX/XXXX and XX/XX/XXXX, shows the same payment date ; this is misleading to credit bureaus.

Global Lending Services continues to furnish inaccurate, incomplete, and misleading information to the credit bureaus, and their own written Principal & Interest statement shows high interest rates and inaccurate payments that were not on the contract on XX/XX/XXXX The per diem rate was {$19.00} and on XX/XX/XXXX it's {$20.00}, showing on the inquiry about a payoff letter from XXXX. This is clear proof that they have changed the terms. I am also including a copy of my bank statement that clearly shows the payments were not properly applied to my credit report or GLS statement. On XX/XX/XXXX. The lender reported the loan incorrectly as if the down payment didn't exist, and only {$2600.00} was added when actually {$3000.00} was applied to reduce my financed balance that should have been {$44000.00}. causing inaccurate reporting. Because the payments aren't being reported : Even timely payments aren't earning me " points '' toward improving my score.

Dealer/Seller hereby expressly sells, assigns, and transfers all rights, title, and interest to said Contract to Global Lending Services LLC . I do not have to agree to any change, and it is an unfair or deceptive practice for GSL to make a unilateral change. Despite this clause, the GSL unilaterally changed the financing terms, which caused Misreported finance terms on my loan Higher payments than agreed Potential damage to my credit and financial planning I am including a copy of my Experian credit report, bank statement, and GSL statements, which correctly show the account was inaccurate, incomplete at the time of Opening. Removal of this account from my credit report if the creditor can not prove that the account was fully properly applied. The terms and amount reported do not match the agreement I signed. I have documentation that proves the amount and terms reported are incorrect and were never agreed upon. 


I am requesting that this account be fully removed from my credit report, and that the lender be investigated for potential violations of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. I am prepared to submit documentation upon request to support my claims. 

I would appreciate the CFPBs assistance in resolving this matter fairly and promptly. 


I have attached copies of relevant documents with key details circled for clarity. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation