Garrison Investment Group CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
10/30/2023	Yes	Credit card Store credit card	Fees or interest Unexpected increase in interest rate	MI 49508	Web
I made a previous complaint with no resolution, except for a " response '' that the company did not address the Consumer Protection Law they are violating with regards to Billing Statements. Finance Foundation is not in compliance with the Federal statue below. They are trying to hide behind the original TILA requirements, which was amended in XXXX to include many more requirements. Statements from Foundation Fiance Company do not list the full month 's interest charges, the payoff date, the amount of interest that is paid towards the principle balance or what the actual percentage is. They are list payoff and minimum payment language on every statement, which they do not. Foundation Finance Company is claiming the terms were on the original contract signed in XXXX, but not one statement since then has been in compliance, even though it was amended in XXXX. I have no idea how my payment is applied based on the statements, what is the percentage of interest I am paying or how much interest is actually being charged every month. The statements are misleading the borders deceptive business practices and does not disclose as required for not showing the actual amount charged in interest. The companies response is not acceptable and does not address the laws they are violating. I had to pointedly request a full accounting which took the company a week to provide. Every statement is to contain the following : SEC. 201. PAYOFF TIMING DISCLOSURES. ( a ) IN GENERAL.Section 127 ( b ) ( 11 ) of the Truth in Lending Act ( 15 U.S.C. 1637 ( b ) ( 11 ) ) is amended to read as follows : ( 11 ) ( A ) A written statement in the following form : Minimum Payment Warning : Making only the minimum payment will increase the amount of interest you pay and the time it takes to repay your balance., or such similar statement as is established by the Board pursuant to consumer testing. ( B ) Repayment information that would apply to the outstanding balance of the consumer under the credit plan, including ( i ) the number of months ( rounded to the nearest month ) that it would take to pay the entire amount of that balance, if the consumer pays only the required minimum monthly payments and if no further advances are made ; ( ii ) the total cost to the consumer, including interest and principal payments, of paying that balance in full, if the consumer pays only the required minimum monthly payments and if no further advances are made ; ( iii ) the monthly payment amount that would be required for the consumer to eliminate the outstanding balance in 36 months, if no further advances are made, and the total cost to the consumer, including interest and principal payments, of paying that balance in full if the consumer pays the balance over 36 months ; and ( iv ) a toll-free telephone number at which the consumer may receive information about accessing credit counseling and debt management services. ( C ) ( i ) Subject to clause ( ii ), in making the disclosures under subparagraph ( B ), the creditor shall apply the interest rate or rates in effect on the date on which the disclosure is made until the date on which the balance would be paid in full. ( ii ) If the interest rate in effect on the date on which the disclosure is made is a temporary rate that will change under a contractual provision applying an index or formula for subsequent interest rate adjustment, the creditor shall apply the interest rate in effect on the date on which the disclosure is made for as long as that interest rate will apply under that contractual provision, and then apply an interest rate based on the index or formula in effect on the applicable billing date. ( D ) All of the information described in subparagraph ( B ) shall ( i ) be disclosed in the form and manner which the Board shall prescribe, by regulation, and in a manner that avoids duplication ; and ( ii ) be placed in a conspicuous and prominent location on the billing statement. ( E ) In the regulations prescribed under subparagraph ( D ), the Board shall require that the disclosure of such information shall be in the form of a table that ( i ) contains clear and concise headings for each item of such information; and ( ii ) provides a clear and concise form stating each item of information required to be disclosed under each such heading. ( F ) In prescribing the form of the table under subparagraph ( E ), the Board shall require that ( i ) all of the information in the table, and not just a reference to the table, be placed on the billing statement, as required by this paragraph ; and Regulations. ( ii ) the items required to be included in the table shall be listed in the order in which such items are set forth in subparagraph ( B ). ( G ) In prescribing the form of the table under subparagraph ( D ), the Board shall employ terminology which is different than the terminology which is employed in subparagraph ( B ), if such terminology is more easily understood and conveys substantially the same meaning.. ( b ) CIVIL LIABILITY.Section 130 ( a ) of the Truth in Lending Act ( 15 U.S.C. 1640 ( a ) ) is amended, in the undesignated paragraph following paragraph ( 4 ), by striking the second sentence and inserting the following : In connection with the disclosures referred to in subsections ( a ) and ( b ) of section 127, a creditor shall have a liability determined under paragraph ( 2 ) only for failing to comply with the requirements of section 125, 127 ( a ), or any of paragraphs ( 4 ) through ( 13 ) of section 127 ( b ), or for failing to comply with disclosure requirements under State law for any term or item that the Board has determined to be substantially the same in meaning under section 111 ( a ) ( 2 ) as any of the terms or items referred to in section 127 ( a ), or any of paragraphs ( 4 ) through ( 13 ) of section 127 ( b )..
10/04/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX XXXXX	Web	Servicemember
On XX/XX/2018, a door-to-door sales person came to my home with information about water filtration systems. I signed paperwork for the under sink and bathroom system which I cancelled on XX/XX/2018 as stated in the contract, it should have been removed from my home without any further issues/payments. Well, the dealer ( s ) can't be found and they're running this scam on other people. Eventually I found the dealer ( s ) and informed them that the system was to be removed from my home and I wasn't going to make any further payments. Then I received another bill for an additional {$9000.00} for what I thought was the same system. Upon further investigation, I learn that the owner ( s ) of XXXX XXXX and XXXX XXXX are working together scamming people. The first system was to be removed which is owned by XXXX XXXX ... I've scheduled a delivery with XXXX XXXX Police Department to supervise the removal. The system XXXX XXXX is claiming I completed a contract for is a total forgery. The system isn't even installed and the owner of XXXX XXXX called me today threatening me and said it would installed in XX/XX/2018. He's already spent the money that he got from the finance company and now he's trying to get me to go along with his scam. He's making payments on the account as well because he doesn't have the money that XXXX XXXX paid him for the system installation. So now, I have XXXX XXXX and XXXX XXXX XXXX me while the owners of XXXX XXXX and XXXX XXXX profit by committing fraud. XXXX XXXX and XXXX XXXX have done nothing to resolve these issues. XXXX XXXX is well aware of the fraud committed by XXXX XXXX XXXX ( XXXX # XXXX ). The owner of XXXXXXXX XXXXe is XXXX XXXX, Ph # XXXX ; POC for XXXX XXXX is XXXX XXXX ( Ph # XXXX ext XXXX ) ; POC for XXXX XXXX is XXXX XXXX ( Ph # XXXX ), XXXX XXXX ( sales person - Ph # XXXX ). In humble opinion, all the aforementioned individuals are complicit, knowing, and willing participants in this scam. At this point I don't trust anyone!!! XXXX XXXX XXXX had the nerve to tell me we had a gentleman 's agreement for him to pay for the system ... REALLY!!! At two individuals have outright committed forgery/fraud and should be punished to max extent of the law.
09/05/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	ID 837XX	Web
When we bought a new roof, we financed it through Foundation Finance rather than taking it out of savings, because the terms of the loan sounded so easy to handle. We were promised that any amount we would pay, additional to our monthly minimum payment, would automatically be directed to the principle of the loan. Once our roofing project was completed, Foundation Finance reached out to me to confirm that the job was completed and that I understood the loan agreement. I specifically asked about extra amounts on top of our monthly payment going towards the principle amount, and I was reassured that this was the case. After a few months of making large payments, our monthly minimum started dropping, and the due date of our next payment was extended by about 6 months. I called in to ask if there was a way to direct my extra payments to the principle of the loan rather than applying it to the upcoming payments. They said that I would have to be up to date on the interest. There is already interest figured into our monthly payment, but on top of that, we are paying about {$4.00} per day in additional interest. When we made larger payments, we surpassed the accrued amount, but that still applied towards future payments, rather than the principle of the loan. We feel like we were misguided by the roofing company, but more importantly by the financing company who fully backed up the roofing company 's claims about the loan. We have decided to just pay the remaining balance off to avoid this, but we wish we would've known how this loan actually worked, because we would've selected a different loan.
06/28/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MI 492XX	Web
The house I own needed a roof. The roofing company used a financing company called Foundation Financial. My sister lives in my house and she was unable to qualify for the loan on her own so I co-signed for her. I reviewed all of the paperwork and signed. She has been making all of the payments but after several months of making the payments, the loan has not gone down at all. I asked her what the interest rate was. She could not find it on the bill. So I looked at the original paperwork to see if the interest rate was disclosed- it was not included in the original paperwork. I signed into our account online and looked at everything online. There was nothing about the interest rate. All of the statements did not disclose the interest rate. The original paperwork was not available on the online account. There is a XXXX filing against my house for this loan but there is nothing specific about the loan either. My sister called the company and asked why the loan balance was not going down. They indicated that is was being applied to the interest which is charged daily. She asked what the interest was. They said it is 9.9 %. She asked if it is 9.9 % daily and they said no you have to take 9.9 and divide it by 365. That is all the information that is provided. We have no way of knowing what portion is paid/ has been paid to interest vs principal. This feels deceptive and not what we agreed to.
06/20/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	AZ 85302	Web
I originally took out this loan with an XXXX company to get a new AC unit installed and was going to use the leftover cash if my loan was accepted for some other fixing needed. My loan applicatoin was approved and we went through with the new AC install, a few days later I was inquiring about the loan process, how I would pay it, how I would received the excess and what not. After talking directly to the AC company they told me to wait and speak with the finance company because there was nothing they could do, they receieved a certain amount and that was it, they did not receive anything else. Upon further inquiry, I learned that they received {$6100.00} from the finance company, when my loan from the finance company was {$7500.00} ( which is roughly 80 % of the total amount I was told I would get ) At this point I called the finance company and they denied all of this and played dumb and when I discussed that I knew of the amount that was paid and the amount that was still missing all they exclaimed was that 'I should not know that number ' which indicates/suggests that they know what they did and they just have not been caught before, after their refusal to make things right I decided to come here and report their company, All I wanted was my money, now it may become something bigger. The finance comapny is called Foundation Finance Company, based out of XXXX, WI XXXX.
06/19/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	MD 206XX	Web	Servicemember
My wife and I applied for credit through Foundation Finance Company, LLC for Home Improvement project. Foundation Finance, LLC has placed a lien against my homes title which is not described as the goods or services received in the contract, it states ; SECURITY INTEREST : You grant us a security interest in the goods purchased by you and described on the first page of this Contract ( the Collateral ) as well as all accessions to and proceeds of those goods. Our security interest secures your performance of all obligations under this Contract and any extensions, renewals or modifications of it. On our request, you will take any reasonable action to preserve the Collateral or our security interest in it. You will maintain the Collateral in good condition, not permit its value to be impaired and keep it free from liens and encumbrances prior in right to ours. You will not sell, lease or dispose of Collateral without our written permission. No where in my contract states my home is ( the collateral ) for the purpose of this line of credit. The goods and or services received is XXXX roofing, siding tr according to my contract.
11/17/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NY 11413	Web
I replied to a mailing from XXXX advertising a low-cost government program to replace windows. The representative told me that the price for the windows would be {$17000.00} and would be financed through a bank, but then said that the bank would not finance such a large amount and that he was able to get a better rate through another company. The company stated that the interest rate was 11.9 %. The rate was high but I felt I had no other option since the windows were already installed. I did not receive any statements from the company yet every month they automatically took money from my bank account. Today, I searched for the company online to see how I could see the statements. After calling them to get set up for access to the online statements, I received the shock of my life. The interests on the second statement was nearly {$250.00}, bringing the total to over {$20000.00}. I called back to the company to question why the interest charged was so much, I was informed that the company charges {$6.00} per day for interest, that is not the 11.9 % interest rate that I was informed in the beginning.
09/06/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MI 49085	Web
Foundation Finance : 1. doesn't specify interest rate, term, amount applied to Principal or amount applied to interest only. 2. Doesn't show the overall account balance going down from month-to-month 3. doesnt allow extra payment toward Principal each month. When I applied extra per month to my amount due it only reduced the amount due the following month vs. allowing an option to reduce the Principal amount. 4. I initially tried calling Foundation finance after the first statement or two to address the gaps in the critical details on my account statement and their customer service agents have no idea how to answer any basic questions about the account statement. 5. As you can see from my attached monthly statements the Principal amount doesnt reduce from month to month. Granted I understand the loan will be front loaded with interest, but to see no reduction month to month. I've never had a loan like this one. The lack of detail on their account statement seems almost predatory. I am requesting CFPB 's help to address these critical gaps with the lender.
01/31/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	MD 21122	Web	Servicemember
In XXXX, we needed financing for our roof. The roofing company quoted us XXXX dollars and began the credit check/application. During the roofing project damage was discovered on a skylight. The roofing company needed to update their quoted price and ended up deciding XXXX dollars was fair. We agreed and began the paperwork, finished the roofing job, and we recieved our loan paperwork in the mail. ONLY the {$16000.00} loan was disbursed and that money was paid directly to the roofing company. When I logged into foundation finance 's website shortly after in XXXX, it listed both the the quotes as loans we owed money on as two separate loans payments were owed for. I called the company, they said the issue would be resolved and absolutely nothing happened. I called again XX/XX/XXXX, and was told the same information, it would get fixed but it would have to wait until Monday. I only received one loan of XXXX I did not receive the XXXX loan, but they are trying to collect on it.
06/18/2022	No	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NC 283XX	Web
This is now the 2nd time this has happened. The first time I wanted to make a double payment so I processed my initial payment then set a secondary. The company canceled out the secondary stating that the system thought it was in error. OK fine. This time my payment due for XX/XX/XXXX I attempted to make payment. That payment on XX/XX/XXXX confirmation # XXXX for XXXX came back returned NSF. When I received the notice from my bank XX/XX/XXXX I immediately scheduled another so that their system would not kick it out. Their website showed it was still owed and not paid XX/XX/XXXX conf # XXXX this payment has not been processed again and my account online shows that there is no pending payment scheduled and that I am past due. These pay practices are creating more interest owed by keeping balances higher for a longer period of time. I want my payments processed and accepted as I pay them even if wanting to make consecutive multiple payments to bring down principal
12/22/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	AZ 85323	Web
I was checking my billing statement with my current loan servicer and according to the statement it only shows the Interest Due on the account. When doing the math of my payment minus the interest due it does not give me the actual balance in the account. I called the company to advise them of this discrepancy and I was advised that this is the way that they run their business. They only display daily monthly interest charged from the due date to the cycle date. So there is no way of seeing the total amount of interest I paid every month. They offered to send me a detailed document showing the total billed interest for the month and I explained that this information should be included in each statement so any user can do the math and can see where their money is going. They explained that is not how they do thing and that there was nothing that can be done. This is clearly deceptive as a customer can not clearly see where his money is being applied each month.
04/21/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 76504	Web
On or about XX/XX/2019, I contracted with XXXX XXXX to build a deck. XXXX XXXX advised me that the deck would cost {$10000.00} and available financing through Foundation Finance. I requested an itemization from XXXX XXXX. but never received. The deck began falling apart. I advised Foundation Finance of the problems and also asked for the price of the deck. FF refused to provide this information. I tried several times to work this out with Foundation Finance who refused to assist and instead continued to request payment. Finally it became useless. I just discovered that the deck actually cost {$2500.00} instead of {$10000.00}. I believe FF was a part of this scam with the contractor as FF refused to look into this matter further. Due to this major scam and discrepancy, I am left paying for a deck that is only worth {$2500.00}. The finance charges will cost the loan to double which is certainly due to fraud.
01/14/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	AL XXXXX	Web	Older American, Servicemember
Approximately XX/XX/XXXX, Foundation Finance Company called my home about my XXXX monthly {$50.00} payment. I have paid them each month on time and sometimes more than my $ 50 monthly. But we are having a COVID-19 issue in our household and informed them that I would be late this month. I will pay my bill on XX/XX/XXXX. I was sent a late payment warning of {$100.00} if not paid by the XX/XX/XXXX. This is accessive ; ridiculous when the whole country of consumers ' are facing job loss ; late fees with the creditor, debt collectors, and more. There is no need to telephonic harass the consumer when all of us are trying to take care of our needs and families with the conditions of our finances due to this COVID-19 issue. All late fees need to be waived and some type of compassionate understand between debtor and creditor during this time.
02/02/2019	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	NJ 07108	Web
During a recent review of my credit report, I noticed a credit inquiry by XXXX XXXX XXXX dated XX/XX/18 that I did not recognize. I contacted the company via certified mail which was signed and received by the company on XX/XX/18. The company replied back on XX/XX/18 reporting that they received an application for credit from XXXX by XXXX and verified the credit inquiry. I sent a second letter via certified mail to XXXX XXXX that was signed and received by the company on XX/XX/18. In the second letter, I again disputed the inquiry and requested their verification procedure. To date ( more than 60 days since my last communication and 90 days since my initial communication ), XXXX XXXX has not responded to my request for verification and have not noted my dispute on my credit profile, as required by law including for credit inquiries.
05/03/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	OH 436XX	Web
Most recently on XX/XX/2023 I received a settlement offer for a large lump sum with Foundation Finance to resolve my loan/account. This was for a rather large lump sum and I replied back to that email requesting other payment plans/options on resolving my account. I work 2nd shift and a lot of 12 hour days, so free time during normal business hours are limited. I did not receive a reply for other amounts/options, so I emailed their account recovery specialist again on XX/XX/2023 asking for payment plans/options to be EMAILED since I do not have a lot of time for phone calls. XX/XX/2023 I had a voicemail/missed call from Foundation Finance after requesting email communication in my email on the XXXX of XXXX. I also had a missed call/voicemail on Monday XX/XX/2023 after requesting EMAIL communication.
01/14/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 07728	Web	Servicemember
I have a home improvement loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX WISCONSIN XXXX. My payment for the month of XX/XX/XXXX was 3 weeks late the day after I paid the bill. I received a notification from my credit monitoring service that XXXX XXXX XXXX made a hard inquiry to my credit report and my wife 's credit report. My wife contacted them about making hard credit inquiries that affect our credit scores for a bill that was not 30 days late and was paid the same day the hard inquiry was made. They told her they are allowed to make hard inquiries on our credit report without authorization to do so because we have an account with them and that it is in the loan contract we signed. I don't think this is legal. I want those hard inquiries removed from my credit report.
12/08/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 330XX	Web	Older American, Servicemember
After reviewing my credit report I noticed a delinquent account with Foundation Finance XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. After calling Foundation and after submitting a fraud report the issue has not been resolved and still being reflected in my credit report. The letter was submitted on XXXX XXXX XXXX. The account ending in XXXX the account ( I believed ) was open my my ex-wife and she use my personnal information, since she has such informaion ( such as SSN, full name, DOB ). I reported such activities as fraud and I have received no resolution from Foundation Finance. I was able to demonstrate that I was in XXXX when the activity took place. i do not live in XXXX XXXX XXXX XXXX XXXX XXXX since XXXX when I moved to a different address.
09/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93534	Web
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. FOUNDATION F XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
04/05/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AZ 85396	Web	Servicemember
Good day. Since XX/XX/2021, I have not been able to receive statements. I used to sign in online and despite conversations with the lender directly to understand why the statements stopped populating while I have made on-time payments struck me as unusual. No resolution has come from me trying to resolve this with Foundation Finance directly. I have some concerns as I do not see balances reflecting my payments. Even if they were applied correctly, I should be receiving a statement monthly on an active loan to see where I am. I am requesting assistance to get Foundation Freedom to show me statements for XX/XX/2021- Present. Thank you for your help.
07/19/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93534	Web
I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of account/item which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX
05/06/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	MI 481XX	Web
The online account/payment system in use by XXXX XXXX handles passwords in an insecure manner. Forgotten passwords are sent via email in " Plain text '', instead of a password reset. This indicates the password is stored as-is, instead of being hashed. This is also often an indicator that other account data is not being encrypted when stored. Further, the password in the email is all capital letters, which raises another red flag. On testing, I confirmed that the password field to log in is not case sensitive, further weakening whatever password is used. Please take your customer 's security seriously.
09/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	FL 32068	Web
I was at work yesterday and received a phone call from Foundation Finance and I did not give my work number to them, EVER! XXXX at foundation finance admitted to searching for my work number and reaching out to me with out my permission. Several phone call have been made this month to try to collect a payment. I know when I need to make my payment and I also know when my bill will hit my credit report. What I do not like is that they without my permission searched for me and found my work phone number and then admitted to it to me today at XX/XX/2016 at XXXX.
05/15/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NJ 08527	Web	Servicemember
Me and my husband took this loan out to pay for our roof. I had setup automatic payments of {$200.00} sine XX/XX/2018 with no issues. Then something happened where the payments weren't being taken out and I never changed anything. Then I notice that my account was past due and I immediately made a payment. I don't think that it is fair to have reported us late when we never took the account of automatic payment. Now I am scared to put it back on automatic payments because I don't feel that it will get paid.
02/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 22193	Web	Servicemember
Foundation Finance erroneously opened a loan account as a third party lender for deck repair by XXXX XXXX XXXX XXXX. I was informed XXXX that the loan had been denied. In XXXX, XXXX made me aware that if there was not a verification call with Foundation, that the loan would be voided ( there was no loan to begin with ), and we would have to pay them directly. I do not have a loan, and did not complete the loan process with Foundation. I've asked Foundation to remove this account, and they've refused.
10/05/2020	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	MD 21114	Web
Foundation Finance has repeatedly contacted me at my place of business ; a number that they were never given. So I would be very interested in know how they got the number in the first place. Now today I have been getting repeated email from a XXXX XXXX from Foundation Finance asking me to call. When I informed her that I need a reason, she has repeatedly refused to tell me why she was contacting me. At this point I'm very very tired of these strong arm tactics and would like it addressed.
11/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11710	Web
In accordance with the fair credit reporting act XXXX XXXX XXXX # 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.
07/19/2018	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	FL 32218	Web
XX/XX/XXXX XXXX XXXX ran my credit without my permission XX/XX/XXXX XXXX XXXX ran my credit without my permission XX/XX/XXXX XXXX XXXX ran my credit without my permission All three of these are hard inquiries. I've only dealt with foundation finance in XXXX and haven't since then. I need All hard inquiries removed and i need Them blocked from running my credit I'm the future
11/26/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	IL 604XX	Web
Purchased XXXX XXXX by XXXX on XX/XX/2023 was promised installation would be completed within 14-16 weeks. XXXX hasn't attempted to start or complete the project. I've called Foundation Finance and they refuse to cancel the loan. Advised them it's past the deadline and We are tired of waiting. We have notified XXXX to cancel the contract and I've never received a response.
05/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 22405	Web
I am disputing information on my credit report stating I have missed a payment to FOUNDATION FINANCE CO reported on XXXX XXXX XXXX. The information listed above is not information related to any transaction by me. Please provide identification of such information is shown as late. Please remove late payment off of my credit report.
09/01/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	WA XXXXX	Web	Older American, Servicemember
Wasn't told compounded interest 9 % daily!! Foundation finance company XXXX XXXX XXXX XXXX wi. XXXX under XXXX XXXX or XXXX XXXX account XXXX XXXX balance XXXX monthly payments XXXX, for XXXX XXXX XXXX XXXX XXXX there phone # XXXX
04/23/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	LA 703XX	Web
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
07/25/2018	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 02368	Web
The credit company XXXX XXXX requested a copy of my credit report without my permission. The request was made XX/XX/18 without first contacting me and requesting my authorization.
10/06/2022	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	PA 19135	Web
Foundation Fiance Co LLC placed a credit inquiry on my credit report on XX/XX/22 and I did not apply for any credit with them
07/14/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 93534	Web
Someone stole my identity and opened many accounts without my permission or authority.
05/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19120	Web
Someone was suppose to handle this situation, but it was never resolved.
11/27/2023	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 30213	Web
Unauthorized hard inquiry on my credit report from the companies below.
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	PA 19120	Web
Someone was suppose to handle the situation.
01/18/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 34983	Web

11/03/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Getting the loan	CA 94066	Postal mail

10/09/2023	Yes	Credit card Store credit card	Fees or interest Charged too much interest	MI 48846	Web

09/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30253	Web

09/13/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem with a company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	TX 77384	Web

09/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MA 01702	Web

08/29/2023	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process Interest rate	TX 77072	Web

08/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19050	Web

07/26/2023	No	Payday loan, title loan, or personal loan Installment loan	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78589	Phone

07/14/2023	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 77384	Web

04/28/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	TX 78589	Phone

01/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 39328	Web

01/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30236	Web

09/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30349	Web

02/05/2021	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	FL 32824	Phone

10/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98391	Web

10/21/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NY 11530	Postal mail

08/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 23661	Phone

11/09/2019	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 76131	Web	Servicemember

09/11/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CA 91803	Web

03/23/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78665	Web

02/27/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Money was taken from your bank account on the wrong day or for the wrong amount	MD 20746	Fax

08/23/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	OR 97035	Postal mail

03/27/2017	No	Mortgage Other mortgage	Loan servicing, payments, escrow account	NJ 07871	Referral

02/08/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	FL 32824	Phone	Servicemember

12/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	MD 21227	Web	Older American

08/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	FL 34491	Web	Older American, Servicemember