Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5627265
Complaint Overview
Complaint ID: 5627265
Company: Service Finance Holdings, LLC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Texas
ZIP Code: 76002
Date Received: 2022-06-02T12:00:00-05:00
Date Sent to Company: 2022-06-02T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Company Name : Service Finance Company Account Opened - XXXX Amount - {$10000.00} I contacted them when the loan was first initiated, it was for the installation of an Central AC unit . The company that did the work did not complete the job and I had to have another company come in and complete the labor. I explained this to Service Finance Company and asked them to adjust the amount of the loan to reduce the labor from the bill. After going back and forth for 3 months they stopped returning my calls. Since this has been in dispute, we have not paid on the loan. The account has been closed and charged off for years now. They continue to report it to the XXXX each month as a late payment, even though the account has been closed and charged off. I have requested they update their records. They refuse. This has done major damage to my credit. They have also reported to XXXX as real estate loan as compared to an installment loan. This company is practicing unethical business practices in reporting the account as active late, in order to bully me into paying an amount that is in dispute.
Frequently Asked Questions
What is Complaint #5627265 about?
Complaint #5627265 was filed against Service Finance Holdings, LLC regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2022-06-02T12:00:00-05:00.
How did Service Finance Holdings, LLC respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Service Finance Holdings, LLC?
Yes, visit the Service Finance Holdings, LLC company profile at readthecomplaint.com/company/service-finance-holdings-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.