Consumer complaint received 2020-11-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Monterey Financial Services LLC
State: NJ

Complaint narrative:
On XX/XX/15 I received a medical loan for {$5900.00}. The rep on the phone gave me the name of one of their doctors that accepts their loan and I had a procedure done. I was making payments until soon after the XXXX when I realized the doctor really messed up the XXXX. He couldnt keep the incision shut to heal and I had to keep going back and forth to NY from NJ for him to XXXX the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The last time he said, these XXXX  are like the cables on the XXXX XXXX so this time it will work. It didnt and I remember getting out of the shower and slipping in my own XXXX all over the floor. I called the dr when those XXXXXXXX XXXX XXXX and he told me to put the phone on speaker and he was going to talk me threw doing a procedure on my own self. I hung up on him and went back to the ER. There were complications so bad I wound up having to use the money I was going to pay the loan back with to have the XXXX redone again ( sadly, by the same dr because he gave me a discount and I couldnt afford any more! ). 

I called the loan company many times crying in panic about their doctor and telling them I couldnt even take care of my new baby and toddler because I was in so much pain and having so much XXXX. They were so rude and unsympathetic. I couldnt believe it. They told me they have more than one doctor and that I chose the dr I used but I didnt! The woman one the phone from their company said I should use their dr that operated on me. I still have problems with that injury that just get worse as time goes on and I know Ill need XXXX again in the future and Im already XXXX. Their dr got paid two times for the same XXXX he admittedly messed up after first telling me he, could do it with his eyes closed when I first met him. My family is still in disbelief and two of them were with me on his appts because I was so hurt I couldnt drive myself to his state over and over. 

Throughout the years the amount they report to my credit report has consistently gone up and up and the account still says its open. I have found inaccurate details they reported and disputed it, only to have the company correct the details and re-report it again. I just disputed it again last week and it must have made them mad because they added another unexplained {$170.00} to my credit report all of a sudden for no reason. I realize companies can just claim they charged a fee for any reason at all but this can not be legal and its certainly not moral. I have also filed a report with the FTC years ago about them. 

My question is, is this company allowed to keep reporting higher and higher unexplained and unfair amounts on my credit report forever until I die??? Is this account also open until the day I die??? How is this fair? Theyre reporting an amount that is over THREE TIMES what the original amount was. How should I even have had to pay them for what their doctor has caused me just to have to pay again to fix it. A lot of pain, money, time, my body is disfigured now, I have to live with what their doctor they sent me to did and I missed out of the whole first year of my sons life and the second year of my daughters life. Please help me! I am a good person.

Company response to consumer: Closed with non-monetary relief