First Help Financial, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via
01/23/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	WA 98056	Web
first of all when I got the car out of the dealer on time I noticed the car different in different ways I took it back to the dealer told him to help me do a diagnostic is somebody if somebody messed with my car or something performance was bad poor performance security system not working parts notice have been change I called my dealership my financial my insurance even police nobody seemed to actually help do they say it's negative thinking help at all sorry police said I have no proof ideal it with that for almost a year and a half until XXXX XXXX my car got repoed two times recently as well knowing that something was wrong with the car I felt like somebody was trying to get rid of evidence as soon as I find out my car dealer would I got my cart refused to give me service two times refused to provide me with my personal information they lied to me saying they don't keep information on file for the long I just wanted to compare my paperwork from Financial dealer in mine because I had a feeling and I was expecting something was wrong with my information when nights are the copy of my ID and their system they say they couldn't give it to me because it was too dark which it was weird for me nothing but lice and rejection so I still had my car they told me to get a new one but I reject the offer because I was expecting different from them I was expecting them to help me in my situation that I was in so finally lost my job got behind on my payments little by little dealing with personal information being stolen out of my room my mail being open my car being messed with everything came at once so I have no way to go not even to go to the new interview or apply for a job people were asking so many questions like somebody posted something bad about me and online or on website or something because everybody was so questionable when I apply for a job when I want to get a bank account nobody could couldn't find me it was always two different answers my name showing for five different ways credit report went to garbage sometimes I couldn't log in to look at my credit report it was a lot of missing information they wouldn't give me an answer nothing but we have to make sure is you I couldn't even look at my car history for maintenance or anything like that it always give me an error saying that only the owner can look or go imbue the car information wish I was the owner of the car have I call they told me my car wasn't even under my name it was under a lady 's name which it bothers me always getting different we are emails on my credit about loans about student loans so I still have him fix anything I am stuck at home without nothing no money no car no job not even money to go and do laundry. On the other hand I have financial institution as well. Saying that they only got one number which I found three different numbers for the financial institute they always give me bus service never help out always quiet only yes no. Go out and ask your friends for money so you can pay the car payment things like that. And a lot more insurance pain almost XXXX for car insurance. Based on my credit which I don't even knew that I have credit that well or not even credit my personal item number being used I don't even know under what number do they qualify me for my car. Missing information in my in my car papers that I filled out which phone number color of the car email address all paperwork is so different missing information everywhere I go reject me deny me nobody helped me during the pandemic a state supposed to do give me a chance to get back in my feet at least and I was driving without insurance for 2 to 3 months due to rejection I was driving the car risking it because I know it wasn't performing the right way every time I go to the dealer I feel embarrassed because they look at me like there he comes again rejection right away all they told me the car is going to go to action anyway. And the people that I did the transaction about my car they don't they don't longer work there no more even When I got in an accident the guy from the XXXX XXXX doesn't work there either it seems like somebody did something wrong and they got fire like I don't know somebody show up on their me pretending it was me and when they saw me going in the look on their faces when they saw me like you can tell right away something wasn't right I wasn't communicated during the pandemic used to work two jobs before never have time to look at my car I never expected nothing wrong I never crossed my mind something was going to happen or somebody was going to mess with it now that I at home with nothing I have time to think and put everything together and I know 100 % I have a couple of people lined up that I know from what I see from what I heard from people reactions even where I live somebody local here they did something they didn't supposed to do. I got proof I got people. I compared my thoughts with other people from what they told me everything matches pretty good. I'm a communicated sometimes I don't have money to pay my phone so I don't know what's going on who calls me nothing I don't have nothing my car repo it kind of bothers me because if something happened to the car you know I have no way to prove the something happened to it and nobody cares explained him so many times didn't care it seems like they try to get rid of evidence because they know I noticed something wasn't right. XXXX XXXX XXXX XXXX they closed my account even on my previous jobs people act different towards me so I had to quit my wonderful and good job that I had due to people 's reaction in people attitude towards me when I didn't do anything wrong XXXX XXXX talk wrong about me I work for a XXXX XXXX XXXX or XXXX XXXX and XXXX XXXX XXXX for five years until people started acting weird towards me wondering about me always wanted to see what I do after work while what's my routine everyday which I only work and go to work after that job go home and rest for a minute and then go to work again that was my routine for quite a while 4 5 6 7 years. the good thing I know where everything comes from y ven XXXX XXXX Store five minutes from my house de XXXX people There for a lot of years I'm a good customer at the gas station there people started asking where do I work what's my name what do I drive what do I live how do I get money they look at me from Head to Toes they always wanted to know more like if they were police or something you can tell the vibration and something went wrong or somebody say something or give bad false statement or say something bad about me that I don't even know about. discrimination people want to know if I'm legal or not and a lot of things more until this day I'm dealing with a lot of things that I don't know what to do where to move I'm stuck I've been looking for resources nobody seems to help it's always redirecting everywhere and when I talk to people about my situation they get mad they don't want to listen they I get rejected like they think I'm crazy I'm lying or not or something like that but I only know what I've been through I only know what I do and what I've been doing nothing but working for over 20 years that I've been in this country I work hard for what I have what I always had never been in trouble and never been in any kind of bat wrecker or anything like that for somebody to just do something to my information rather is my name my birthday anyting I don't think is fair. Even from the XXXX Police Department I've been denied recently lately they never come when I have something to show them about people breaking into my only room that I have in the back of the house it got to the point that they just got tired of it and then I even showed up or nothing.
05/14/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	FL 333XX	Web
XX/XX/XXXX - I went to XXXX XXXX dealer and bought a new car.I gave them {$5.00} down payment in cash, paid {$550.00} for a GAP insurance and financed the rest of the value with the Financial Institution First Help Financial , which was indicated by the Salesman and negotiated by him. All negotiation was done by Salesman which I have emails that proved that I gave him my personal information. It was the first time that I was buying a new car so he told me that it would be better if I give my personal information to him so he could deal with the financial institution. XXXX- After almost of 2 years paying my auto loan on time ( paid {$17000.00} ) and without any late payment I contacted the financial institution First Help Financial to inform them that due to Covid- 19 Pandemic I had a substantial loss of income and I could not pay my loan on time the way that I was doing for all the time that I had my car loan. XXXXEven with all challenges due to this pandemic and my economic hardship situation I paid my car loan and they charged me a late fee. After this payment I asked the institution to send my contract copy loan so I could compare with the contract that I had in my hands and see if I could refinance my car loan with another financial institution with a better interest rate since my credit score improved drastically. XXXX First Help Financial sent the contract to me and for my surprise the contract that they sent has a signature that was not mine. IT WAS FORGED. Another thing is that the contract that they sent to me was different from the one that I signed with the XXXX XXXX XXXX. The amount financed is different from the contract that I have in my hands. Also the down payment value is different and the gap insurance does not appear in the forged contract. XX/XX/XXXX After realizing that FRAUD I contacted XXXX XXXX dealership by email and by phone and asked them to send the contract in my email. The contract that they sent to me has the same FORGED SIGNATURE which I do not recognize as mine. XX/XX/XXXX I contacted XXXX XXXX and First Help Financial again by phone and by email and explained that the signature is not mine and I do not recognize that contract. I also contacted the GAP insurance company XXXX XXXX, which is the company that the salesman told me that I have my GAP insurance/ contract signed by me and the company said that according to my VIN number they never had any contract with them. I have in my hands a contract with GAP Insurance which I bought at the moment that my cars purchase. After realizing that I was the victim of a scam I am constantly trying to contact the companies involved in this contract. All emails and documents that I have proves my situation and how hard I am willing to solve this problem. I had a financial loss but more than that I am concerned about my signature being frauded.I do not trust XXXX XXXX and First Help financial anymore and I want to void the contract, my money back and return the car. With all documents and emails I can easily prove that my signature was forged. As a result of this unfair or deceptive act or practice, I suffered injury or loss of money as follows : {$5.00} Down Payment, {$550.00} GAP Insurance ( XXXX XXXX ) {$17000.00} ( First Help financial )
11/25/2023	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	SC 29483	Web
This company furnished my consumer report without my written permissible purpose. 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 didnt give any written instructions for this company to furnish my consumer report under no circumstance. The law states : 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
04/30/2023	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	NY 11385	Web
In XX/XX/XXXX of 2022 And XX/XX/2022 I went to check cars in dealerships. They were so aggressive to me and pushy. I notified them not to check my credit I told them my case and now when I checked they ignored me my desition and without my permission they did hard inquiries or run my credit. I am so mad and I found juat now that I have more than 13 hard inquires that affected me in my credit score. Those seller are super abusive they don't care about you just sell and make money. I called XXXX l, XXXX and XXXX they suggested me to reported them here. Here is the list the 3 XXXX XXXX XXXX shared with me to dispute : XXXX. They check XXXX XXXX - Date : XX/XX/2022 XXXX. First Help Financial - XX/XX/2022 XXXX. XXXX XXXX - XX/XX/2022 XXXX. XXXX Bank ( 2 times they checked ) XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXXFirst Help Financial XXXX. XXXX XXXX ( 2 times checked ) XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX
07/07/2021	No	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 027XX	Web
I have submitted a dispute with XXXX credit bureau 3 times about a false claim on my credit report of a car repossession. It is with the company First Help Financial. Their address is XXXX XXXX XXXX, XXXX XXXX XXXX ma XXXX. I have never taken out a loan for a vehicle in my life and have only leased my cars. I called First Help Financial personally and gave them my name and my date of birth and they told me that they have no one in their record with MY NAME and MY BIRTHDATE. So that obviously means it is not me in that repossession and it should not be on my credit report. This is impacting my credit score but it seems everyone that works at XXXX credit bureau does not know how to do their job correctly. So I am filing a complaint towards them.
08/13/2023	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	UT 84095	Web
Good afternoon, I denounce that without legitimate authorization, was consulted by XXXX financing entities for the purchase of a vehicle, I do not know since I have a vehicle of my own without credits, I only approached the car plaza to ask the cost of a vehicle, NEVER AUTHORIZE THEM TO CONSULT FINANCIAL INSTITUTIONS, FOR WHICH I DENOUNCE THIS UNPROFESSIONAL AND daring BEHAVIOR on their part, when I observe it is that I was consulted by these entities : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX What has been denounced is that I never gave my approval to the vehicle sales store and neither to financial institutions, for notifications to my email address.
08/13/2023	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	UT 84095	Web
Good afternoon, I denounce that without legitimate authorization, was consulted by XXXX financing entities for the purchase of a vehicle, I do not know since I have a vehicle of my own without credits, I only approached the car plaza to ask the cost of a vehicle, NEVER AUTHORIZE THEM TO CONSULT FINANCIAL INSTITUTIONS, FOR WHICH I DENOUNCE THIS UNPROFESSIONAL AND daring BEHAVIOR on their part, when I observe it is that I was consulted by these entities : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has been denounced is that I never gave my approval to the vehicle sales store and neither to financial institutions, for notifications to my email address.
12/08/2021	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	NY 10461	Web
On XX/XX/XXXX of this past year I received XXXX hard inquiries on my credit report. During that time XX/XX/XXXX and XX/XX/XXXX I recently purchased a XXXX XXXX in full from XXXX XXXX XXXX. They unauthorized contacted XXXX XXXX, XXXX XXXX auto, and first help finance. The XXXX that I purchased off of them they sold me a lemon, no loan was taken out the car was paid in full and not even XXXX minutes off the lot, we return the car to the dealership and got our money back. The main manageXXXX at this dealership assisted us through it all yet I still have these unknown errors on my account which ultimately hurt my credit report.
09/11/2023	No	Vehicle loan or lease Lease	Incorrect information on your report Information belongs to someone else	PR 00921	Web
In XX/XX/2022 i saw that someone had opened accounts in my name. I disputed these accounts with credit agencys. theres XXXX accounts from first help financial and XXXX from XXXX XXXX. Theres also XXXX names that are not my name in the account. Also addresses that are nor mine. I dont owe that money. Ive lived in XXXX XXXX my entire life. Those accounts are from somewhere in the USA that i have no knowledge of. You can see my info and see that everything i have is in XXXX XXXX. Not in The US. Also, inquiries that arent mine are also there.
06/01/2022	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	IL 60621	Web
Title was initially requested in XX/XX/2022 once loan was paid in it's entirety. I was told to wait two months. Did not receive title nor update. I called again in XXXX, was told to wait a few weeks for title to be received. Once again did not receive title through mail nor any communication or update. I called again on XX/XX/2022 and was told the title was never requested. So I have to wait two weeks for title to arrive to them first before sending it to me. I have now stopped getting responded to through the customer chat service.
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	NV 89101	Web
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
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 FIRST HELP FINANCIAL , LLC located at XXXX XXXX XXXX, XXXX XXXX XXXX, MA 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.
10/08/2020	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MA 01420	Web
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
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
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.
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.
09/09/2020	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MA 023XX	Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
10/17/2023	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	OK 74055	Web
I have no knowledge of these inquiries and want them off my credit repost ASAP.
09/25/2022	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	NJ 075XX	Web
Im having hard inquiries dont know where they came from
01/12/2023	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	VA 225XX	Web
Companies pulled credit without contacting me.
01/29/2024	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 11223	Web

01/24/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MA 02780	Web

01/18/2024	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	MD 212XX	Web

11/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 10019	Web

10/05/2023	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	NJ 07065	Web

09/27/2023	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	GA 30036	Web

09/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10026	Web

08/25/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	NC 27407	Web

08/15/2023	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 33160	Web

06/27/2023	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	FL 33019	Web

06/21/2023	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	TX 77036	Web

04/17/2023	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	GA 30344	Web

03/18/2023	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 30344	Web

03/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10456	Web

02/17/2023	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	VA 23234	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	SC 29486	Web

11/11/2022	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	FL 32708	Web

02/13/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	MD 20770	Web

11/10/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	MA 02128	Web