Halsted Financial Services, LLC.

This company sends frequent emails weekly. So much so that it has become difficult to access important emails with the amount of flooded emails from a company called Halstead Financial

In or around XX/XX/2024, I was contacted by a company called XXXX XXXX XXXX XXXX, which presented itself as a job consulting and placement service offering a 100 % Job Guaranteed Program. I was told the process involved training and job placement assistance, and I was informed that I would not need to make payments before obtaining employment. During this process, I was directed to complete onboarding and application steps that I believed were related to employment. I later discovered that these steps resulted in a private education financing agreement through XXXX XXXX XXXX XXXX XXXX XXXX being opened in my name. The financing was not clearly or transparently explained to me as a traditional private loan with repayment obligations. Instead, it was represented as part of a job placement program where payment obligations would only occur after securing employment, and I was misled about the true nature and consequences of the agreement.…

One debt collector sold the debt to another bent collector after I disputed XXXX XXXX XXXX Now, Halsted Finacial Services LLC Im writing because of the negative reports or attempts to report on my credit reports

Halsted Financial is attempting to collect a {$510.00} balance for an account that no longer has a balance. My credit report from XX/XX/year>, proves that the original creditor, XXXX XXXX ( Account # XXXX ), has updated the status to 'Paid in full ' with a {$0.00} balance. Halsted is reporting inaccurate data and pursuing a satisfied debt, which violates the FCRA. I am also an identity theft victim ( FTC Report XX/XX/year> ) and this duplicate reporting is causing further harm. ''

In XX/XX/XXXX, I received a phone call and voicemail from Halsted Financial Services attempting to collect an alleged debt originally from XXXX XXXX, associated with attendance at XXXX XXXX XXXX, a short-term vocational program. The account is purportedly now owned by XXXX XXXX XXXX. I am disputing this debt in its entirety. The CFPB filed suit against XXXX XXXX in XX/XX/XXXX, alleging that XXXX XXXX deceived borrowers about short-term vocational programs exactly the type of program this loan was used for. XXXX XXXX XXXX also has a documented history of collecting on debt tied to fraudulent for-profit schools. I have sent a written debt validation letter to Halsted Financial via certified mail disputing this debt and requesting full documentation, including the original signed promissory note and proof of legal ownership of the account.…

XXXX XXXX XXXX, XXXX has sent this debt to two different debt collection agencies in the last few months. The current collector, Halstead Financial Services sent me collection emails today, on XX/XX/XXXX offering me a pay-off. The original debt is {$970.00} and they were offering me to pay only {$190.00}. I informed them that this debt was XXXX in my XXXX XXXX XXXX in XXXX and they made note of it in my account but this is exactly what the previous company told me 2 months ago when they also tried collecting on the debt. XXXX XXXX XXXX, XXXX is still the current debt holder that is having these companies reach out. They have been given 2 notices and I am ready to seek legal reprecussions at this point.

I am providing additional documentation showing a previously approved dispute against XXXX XXXX from XX/XX/year> resolved XX/XX/year> with XXXX showing Approved status. Despite this approved dispute XXXX XXXX has continued to re-report or sell this account in clear violation of the Fair Credit Reporting Act. This screenshot proves a pattern of illegal re-reporting.

I received an unsolicited email on a dept owed by XXXX XXXX. It has been reported on my credit report as a XXXX XXXX. I have a XXXX XXXX from capital one I am currently making payments on. I have XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX is at a XXXX XXXX which I have not received any XXXX form to file and on my credit report. I have a payment plan I have been paying on. Then out of nowhere I received a notice to pay the exact amount that it was at {$1300.00}, Currently this is inaccurate information the balance I have now is at {$890.00} The company Halsted Financial and XXXX XXXX different companies are trying to collect on the same account. is claiming I owe over XXXX to them on a XXXX XXXX account I am making payments on. When asked for proof, they only sent me a print out that had the last balance of over {$1300.00} it's still on my credit report as a collection. How can XXXX XXXX agency collect on the same account?

I sent a written cease and desist request on XX/XX/XXXX to Halsted Financial Services , LLC instructing them to stop all communications with me regarding the alleged debt. Despite receiving my request on XX/XX/XXXX, the company continued to contact me by text message on at least three separate occasions ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) after the date they received my letter. Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must cease communication after receiving a written request, except for limited purposes such as confirming no further contact or notifying of specific legal action. The continued text messages do not fall under those exceptions and appear to be violations of federal law. I also disputed this alleged debt in writing and requested validation. The company failed to provide any validation of the debt and continued collection activity, including sending text messages.…

They made 3 attempts to contact me to someone who is not me and to a number i did not authorize they can contact. I do not have any communication with the person they are contacting and I did not give authorization.

I have a payment plan with Halstead financial for a debt owed to XXXX XXXX. The settlement accepted was {$820.00}. I have paid {$500.00} so far, with a remaining balance of {$320.00}. However, the payment schedule that Halstead set up has 6 remaining payments scheduled to automatically debt from my account monthly. The remaining schedule exceeds the amount owed. Their schedule would take {$430.00} from my account. I sent an email to Halstead to keep correspondence in writing. However, Halstead has not responded to my email or more importantly corrected the payment schedule so that it reflects the correct amount due which is {$320.00}.

On or around XX/XX/2026 I received several emails from an unknown source demanding payment and settlement for a debt. The letter was from Halsted Financial Services , LLC from XXXX XXXX. Claiming to be representing XXXX XXXX XXXX Bank and XXXX XXXX XXXX. I sent a letter responding to this request on or about XX/XX/2026. Please see letter attached.

Halsted Financial Services LLC text me regarding a debt that I do not have with them. The company they are claiming to represent is XXXX XXXX. A letter was attached to a text for the amount of {$1000.00} in which I have never had a {$1000.00} credit limit. Attached is my credit report & the letter that was text to me. I do not authorize communication with them & request to delete any filing on my credit report.

On XXXX XXXX a email was sent to Halstead financial services stating that I wanted to settle my debt and could pay {$300.00} to do so. A email response was received back from Halstead stating that my offer had been accepted. Halstead never changed the payment owed amount after several emails exchanges.on XXXX XXXX I called hallstead and spoke to several customer agents and a supervisor none wanted to honor the email. I was told I'd get a call back on Monday XX/XX/XXXX never received a call back. Instead Halstead wants to offer a payment of XXXX

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/year> Re : Request for Debt Validation To Whom It May Concern : I am writing in response to your communication regarding the above-referenced account. I do not acknowledge this debt and request that you provide validation of it as required under the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following : XXXX. The name and address of the original creditor XXXX. The total amount of the alleged debt, including any fees, interest, or charges XXXX. Documentation showing I am legally obligated to pay this debt XXXX. Proof that your agency is authorized to collect on this debt XXXX. A copy of any agreement bearing my signature related to this debt Until you provide proper validation, I request that you cease all collection efforts and communication with me regarding this matter.…

To Whom It May Concern, I am writing to request validation of the alleged debt you claim I owe. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I dispute this debt in its entirety and request that you provide proper validation. Please provide the following : - The name and address of the original creditor - The full account number- The amount of the alleged debt, including an itemization of fees, interest, and charges - Documentation bearing my signature showing I agreed to this debt - Proof that your company is authorized to collect on this debt Until you provide the requested validation, you must cease all collection activities, as required under the FDCPA. Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), if you are reporting this account to any credit reporting agency, you must ensure that all information is accurate and verifiable.…

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Halsted Financial Services , LLC XXXX XXXX XXXX XXXX XXXX, IL XXXX Re : Formal Dispute and Demand for Validation Alleged Account Ref : XXXX Original Creditor : XXXX XXXX ( XXXX XXXX ) Account Ending : XXXX Claimed Current Creditor : XXXX XXXX XXXX Amount : {$450.00} To Whom It May Concern : This correspondence constitutes a formal dispute of the above-referenced alleged debt and a demand for validation pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, and the Fair Credit Reporting Act. I dispute the validity of this alleged obligation in its entirety, including the existence, amount, and your legal authority to collect. Pursuant to 1692g ( b ), you are required to cease all collection activity until you have provided proper validation.…

I am filing a complaint against a debt collection agency identifying itself as Halsted Financial and related email domains ( including XXXX XXXX XXXX XXXX ). Since approximately XX/XX/year>, I have been receiving repeated and excessive email communications from multiple email addresses associated with this company. These emails are being sent daily and sometimes multiple times per day. The emails include language such as : * Pre-Legal Notice * Immediate Attention Required * Response Requested * Lets Resolve This Together These messages create the impression that legal action is imminent, which I believe is misleading and intended to pressure me into responding. The frequency and tone of these communications feel harassing and intimidating. The use of multiple domains to send similar messages also appears deceptive.…

XXXX XXXX XXXX and Halstead Financial Services are both charging me for one account. XXXX is owned by Halstead.

Hi, I had a closed account from XXXX XXXX ( XXXX XXXX ) regarding a loan, and I had an agreement with another company to pay off this debt. Apparently, this debt was sold off to another company named Hlasted financial services. This company emails me multiple times a day over and over... every single day regardless of if its during the week or the weekend. I think its very excessive and according to the Fair Debt Collection Practices Act it prohibits harassments to collect a debt and the way the email over and over multiple times a day is a form of harassment. I have attached documentation and its just a small sample size of what I get multiple times a day every single day.

Hi, I had a closed account from XXXX regarding a loan and I had an agreement with another company to pay off this debt. Apparently, this debt was sold off to another company named Hlasted financial services. This company emails me multiple times a day over and over... every single day regardless if its during the week or the weekend. I think its very excessive and according to the Fair Debt Collection Practices Act it prohibits harassments to collect a debt and the way the email over and over multiple times a day is a form of harassment. I have attached documentation and its just a small sample size of what I get multiple times a day every single day.

They email everyday, XXXX or 3 times a day for the same account.

am filing a complaint against Halsted Financial regarding attempts to collect a debt that does not belong to me ( XXXX XXXX XXXX XXXX XXXX, now with XXXX XXXX, XXXX ). I have previously disputed this debt and requested that they cease communication. Despite this, I continue to receive collection messages. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ), including contacting me about a debt not owed and continuing communication after a cease request. I am requesting : * Immediate cessation of all communication * Written confirmation that this account has been removed from my name * No further collection attempts

To Whom It May Concern, I am submitting this statement to file a formal complaint regarding the collection activities of Halsted Financial, a debt collector. Halsted Financial contacted me on XX/XX/year>, attempting to collect a debt allegedly associated with my XXXX XXXX XXXX credit card account. However, this account remains active, and I am currently making payments directly to the original creditor, XXXX XXXX. Based on this, I dispute the validity of Halsted Financials claim that this debt is owed to them. Given that the account is not charged off, sold, or transferred, and remains in good standing with the original creditor, Halsted Financial does not appear to have a legitimate basis to collect on this account. Their actions raise serious concerns about inaccurate reporting and improper collection practices. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report.…

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AL XXXX XX/XX/year> Halsted Financial Services , LLC XXXX. XXXX XXXX XXXX, IL XXXX Re : Notice of Bankruptcy Discharge Violation Reference Number : XXXX To Whom It May Concern : This is a follow-up complaint regarding an account that I previously disputed and for which I have not received a response. This letter serves as formal notice that the above-referenced account is subject to a Chapter XXXX bankruptcy discharge and is no longer legally enforceable. The original creditor, XXXX XXXX XXXX XXXX ( XXXX ), is associated with my Chapter XXXX bankruptcy case, which has been XXXX. Based on this, any debt connected to this account would be subject to the discharge and is no longer legally enforceable. The subsequent transfer or sale of the account to XXXX XXXX XXXX does not reinstate the obligation. Despite this, XXXX XXXX XXXX, through Halsted Financial Services, continues to report and attempt to collect a balance of {$530.00}.…

To Whom It May Concern : I am writing regarding the above-referenced account. While I do not acknowledge liability for this debt, I am willing to resolve this matter under the terms outlined below. I am offering a payment of $ [ offer amount ] as settlement in full for this account, contingent upon your agreement to remove all references to this account from any credit reporting agencies to which you have reported it. If you accept this offer, you agree to : XXXX. Delete all information regarding this account from my credit reports with all credit reporting agencies ; XXXX. Report the account as deleted rather than paid or settled ; XXXX. Cease any further collection activity on this account. This offer is not an acknowledgment of the debt, but a conditional agreement to resolve the matter. Payment will be made only after I receive written confirmation on your company letterhead agreeing to the terms stated above.…

To Whom It May Concern : I am writing in response to your recent communication regarding the above-referenced account. This letter serves as a formal request for validation of the alleged debt pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. I dispute this debt and request that you provide proper validation, including but not limited to : - The name and address of the original creditor - The full account number - The amount of the alleged debt, including a breakdown of any fees or interest - Copies of any agreement or contract bearing my signature - Documentation proving that you have the legal authority to collect on this debt Until you provide the requested validation, you must cease all collection efforts and communication with me as required by federal law. If you are unable to validate this debt, you must : 1. Cease all collection activity ; and 2.…

I received telephone calls and voicemails from XXXX XXXX earlier this year. I called XXXX XXXX to follow up as I did not open a loan with this agency. I was provided the below information : A loan was opened using my maiden name- XXXX XXXX- for {$2400.00} with XXXX XXXX. I reported this as fraudulent as I did not take this loan out or know that it existed. XXXX XXXX reported the following loan details to me : XXXX XXXX Name used : XXXX XXXX XXXX ID : XXXX Amount : {$2400.00} Taken out on XX/XX/year> Phone number used : XXXX Email used : XXXX The email and phone number used for the loan are not mine. XXXX XXXX confirmed that they could see this email was not mine as well. XXXX XXXX confirmed with me they filed the loan as fraudulent. I then immediately froze my credit with all three bureaus and filed an identify theft claim. Today, this loan is now with XXXX XXXX and has hit my credit report as a collection.…

My information was heisted and XXXX accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all XXXX credit bureaus on my credit report.

Receive text message from halstead financial telling me that I owe them a debt of over {$800.00} through XXXX XXXX I never took out a XXXX account. My credit has been XXXX until XXXX because I'm taking out a student loan so I had to XXXX it for a week, specifically XXXX. Because apparently the Department of education XXXX XXXX XXXX for XXXX plus loans. Either way, below is the copy/paste of text message. I have been getting a large amount of scam phone calls and voicemails XXXX now I'm starting XXXX get text messages. I am on the do Not call list. I have not shared any information with them. I just replied with stop. " Visit https : XXXX or call XXXX XXXX take advantage of payment options on your outstanding balance of {$840.00} for your XXXX ( XXXX XXXX XXXX XXXX for which the current creditor is XXXX XXXX XXXX ) account. Pay : - {$670.00} in up XXXX XXXX monthly payments. XXXX % off, that's a savings of {$160.00}!…