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Consumer Complaints by Product

With a focus on financial consumer protection and awareness, BadFinance.org is a nonprofit organization dedicated to provide financial analysis and advice to US consumers. Every days our financial professionals receive hundreds of complaints from the Consumer Financial Protection Bureau and compare complaint resolution trends to better inform financial consumers.


Consumer Complaints History

New Consumer Complaints


Medical Business Bureau Debt collection cont'd attempts collect debt not owed debt was paid

March 17, 2017 - I have medical insurance and co-insurance that covers my medical bills. I disputed this outstanding amount with the hospital and it was resolved. Upon checking my credit on -/-/-, 2017, the collection was on my credit report....

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United Revenue Corporation Debt collection disclosure verification of debt not given enough info to verify debt

March 17, 2017 - Under the Health Insurance Portability and Accountability Act ( HIPAA ), I am allowed to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. UNITED REVENUE CORP has a collection account placed on my credit report....

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Professional Recovery Management Debt collection disclosure verification of debt not given enough info to verify debt

March 17, 2017 - This company has not provided me validation of this debt. I have never done business with them, so I have no idea who they are and why they think I owe them money. While doing my research in who they are I 've also learned that their license with the Tennessee Department of Commerce has been expired since -/-/-. They are authorized to collect on any debt without a license. I would like this debt removed from my credit reports immediately please...

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Nations Recovery Center Debt collection cont'd attempts collect debt not owed debt was paid

March 17, 2017 - I received a letter from National Recovery Center , Inc stating that I own over $28000.00, It may be for a credit card. I do n't have credit cards for the last 15 years....

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CCS Financial Services, Inc. Debt collection disclosure verification of debt not given enough info to verify debt

March 17, 2017 - I sent a fax to Credit Collection Services ( debt collector ) followed their instructions on their letter I received regarding the debt collection and did not receive anything back from them regarding the debt for two months and when I did it was just another collection bill. The amount does not add up to the accounting on the communication with the Minnesota Attorney General that the creditor sent them and we do not believe we owe anything. The accounting is impossible to make heads and tails of and they have left payments out. This is the second company the insurance company - - - M...

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TransUnion Intermediate Holdings, Inc. Credit reporting unable to get credit report/credit score problem getting report or credit score

March 17, 2017 - I have spent hours on the phone with TransUnion because I can not access my credit report online. They send me back and forth from phone number to phone number. I 've jumped through all the hoops they 've put in front of me and still nothing. These people have huge amounts of power yet I am unable to even get my report to make sure the information is accurate. Where is the accountability? Please work with them to ensure that their product is actually accessible....

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Debt Recovery Solutions, LLC Debt collection cont'd attempts collect debt not owed debt is not mine

March 17, 2017 - - placed me in collections for many years for service I never received. Servic was initially requested then canceled the following day. - techs never came to my house to provide the service since I had cancelled it. I was charged. I called multiple times to inquire on the fee in a statement. I was assured it has been taken care of and to ignore any future statements. Months later after follow calls, I was sent to collections. Few months ago I decided to pay since it was hurting me for so long. I now reach out to the bureau after learning about my rights. Please advise. See Collection...

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TransUnion Intermediate Holdings, Inc. Credit reporting credit monitoring or identity protection billing dispute

March 17, 2017 - My name is - and I am asking for an investigation on my credit file and then for it to be updated in the system....

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Experian Credit reporting credit monitoring or identity protection billing dispute

March 17, 2017 - My name is - residing in -, NC. I am asking for a copy of my credit report after it has been disputed and updated with proof of investigation. I have applied for credit and I have been turned down....

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Experian Credit reporting incorrect information on credit report reinserted previously deleted info

March 17, 2017 - I recently pulled a free credit report from freecreditscore.com. It outlined some erroneous information was previously deleted from my consumer report. It is the same game that that these credit bureaus continue to play. It is fraud and some one needs to actually stop them dead in there tracks! It has a very negative effect on my score and personal life and future endeavors. They continue to sell the derivatives over and over, which effects the sovereignty of the people of this nation and have no honor or accountability in dong so!...

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TransUnion Intermediate Holdings, Inc. Credit reporting incorrect information on credit report account status

March 17, 2017 - TransUnion shows on my credit report the amount $860.00 past due to - University. I have spoken with multiple people at - and they all tell me I do n't owe any more money to the school and my accounts were paid in full - of 2015. Trans Union is ruining my life and since their website is garbage, I ca n't file a complaint there....

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BYL Collection Services Credit reporting incorrect information on credit report account status

March 17, 2017 - - - - pa, - - Account # - no contract or no signature...

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TransUnion Intermediate Holdings, Inc. Credit reporting incorrect information on credit report account status

March 17, 2017 - BYL collection services - - PA, - - Account # - no contract or no signature...

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BYL Collection Services Debt collection disclosure verification of debt not given enough info to verify debt

March 17, 2017 - BYL collection services did not provide adequate verification for debt question. No documents were provided showing a contract or signature...

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Debt Recovery Solutions, LLC Debt collection cont'd attempts collect debt not owed debt was paid

March 16, 2017 - - is claiming I owe them $470.00 for early termination of contract. I had a two-year contract with them from - - -. After that I was on a month-to-month plan and I had to relocate because my landlord moved back in their house at -, VA -. When I contacted - to inform them that I was relocating and wanted to transfer my services to - ( -, VA - ) they informed me that they only had telephone service in that area at that time. Since I needed a total package ( phone, internet and cable ), I left - and went with -. - then told me that I would have to pay an earl...

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Aargon Agency, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine

March 16, 2017 - AARGON AGENCY INC has yet to validate this alleged debt as belonging to me. I have sent certified mail asking AARGON to provide me with proof. I have not received any correspondence from them validating this debt they claim to be mine. I sent a certified letter - and was delivered - and still no proof of debt or signature belonging to me....

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CCS Financial Services, Inc. Debt collection disclosure verification of debt not given enough info to verify debt

March 16, 2017 - RECEIVED MULTIPLE LETTERS FOR ALLEGED DEBT. MULTIPLE TIMES, I SENT LETTERS REQUIRING THE THE DEBT TO BE VERIFIED. TO DATE, OVER 90 DAYS REFUSED TO DO SO. HAS SINCE REPORTED THE DEBT TO CREDIT BUREAU 3-S. i WANT IT DELETED....

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TransUnion Intermediate Holdings, Inc. Credit reporting incorrect information on credit report information is not mine

March 16, 2017 - I have a debt currently being reported on my credit report that does not belong to me and that the issuing creditor refuses to remove. After reviewing my credit report ( see attached ), as I do on a regular basis, I determined that an invalid debt existed on my report. I contacted my legal counsel who contacted the creditor telephonically and via written correspondence ( see attached ). The credit reporting agency indicated that the debt was associated with another creditor but refused to remove the debt from my credit report and refused to provide proof of debt as requested by my counsel. I h...

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Experian Credit reporting improper use of my credit report report improperly shared by crc

March 16, 2017 - I have contacted Experian regarding the following inquiries on my credit report that are adversely impacting my score. I have asked them to show me 1. permissible purpose. 2. Show me written authorization that I gave permission for the following companies to pull my credit and 3. Show physical proof that I initiated the inquiry and Experian is refusing to comply with my request. Instead they simply send me a letter stating that all inquiries must be reported as they show factual proof. I am sorry but without the above 3 components they UNDER LAW are to remove the inquiries from my credit repor...

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HCFS Health Care Financial Services, Inc. Debt collection cont'd attempts collect debt not owed debt was paid

March 16, 2017 - I do not owe any medical debt as my insurance pays it. This is inaccurate...

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Experian Credit reporting incorrect information on credit report account status

March 16, 2017 - I do n't know if I - off Experian or what but they are taking out revenge on me by altering my credit report. ( 1 ) Experian credit report shows - -/-/- in good standing, last date use -/-/- paid and closed/never late. The - account has been in good standing for over 8 years ( 2 ) Experian credit report shows - -/-/- is now a negative remark. The only different between the two reports are first report date and date of credit report and one report says never late. Experian is re-aged and making up - causing this negative account I do n't if Experian is doing out of...

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Lobel Financial Corporation Consumer Loan problems when you are unable to pay

March 16, 2017 - On Friday -/-/2017 I had received a few calls from Lobel financial I was at work and they had been alternating and calling my cell and work number repeatedly. I called back to find out what the issue was and I was told to please hold and then I was transferred. The rep that answered starting by asking who I was I gave my name and advised that I had received several calls from them. She then asked who had possession of the -. I advised that I did and she asked where it was. I advised her that I had made a payment and she stated my check was returned. I looked at my account while on the lin...

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Experian Credit reporting unable to get credit report/credit score problem getting my free annual report

March 16, 2017 - I tried to get my annual credit report at Annualcreditreport.com and Experian advised that they were unable to provide my report online and that I had to mail in identifying documents in order to request my credit bureau. I saw that you could upload copies of identifying documents online, so I went to the trouble of scanning and uploading these documents and got an error message back saying that these documents were not able to be uploaded. I then went to the Experian website and tried to sign up for their " Completely Free and Easy '' monitoring service and got an error message that there was...

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Freedom Mortgage Mortgage application, originator, mortgage broker

March 16, 2017 - I applied with Freedom Mortgage and then cancelled my loan to go with another lender. I have asked them numerous times to have my FHA case number transferred and no one wants to help me....

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Midwestern Health Management INC Debt collection cont'd attempts collect debt not owed debt was discharged in bankruptcy

March 16, 2017 - Utility that was to be satisfied as part of a foreclosure settlement with the mortgage holder...

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Gatestone & Co. International Inc. Debt collection cont'd attempts collect debt not owed debt is not mine

March 16, 2017 - In -/-/2016 I contacted - to transfer my internet service to my new address effective -/-/2016. I was told that I could reduce my bill to $39.00 a month from $59.00 by switching to a plan that included a land line, which I do n't use, but agreed to save money. The phone was never connected and the $39.00 a month was never honored. I contacted - on -/-/2016, and spoke to a - who assured me that although they would n't honor the plan I was sold, he would retroactively amend the bill to honor the internet only plan I 'd been on for 4 years for $59.00 a month. He said that l...

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Citibank Credit card billing disputes

March 16, 2017 - I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due -/-/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me....

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Source Receivables Management LLC Debt collection disclosure verification of debt not given enough info to verify debt

March 16, 2017 - The collection agency Source Receivables has been trying to collect a debt from me that was bought from - as the original lender of the account. Prior to this, I was making payments on this account to another collection agency and without notifying me, the account was sold to Source Receivables. I have requested verification of the debt that would include an original contract with my signature stating that I am responsible for this account. I have not received this information from either the original lender or from either Collection Agency, yet this account is still listed on my credit rep...

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The CMI Group, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine

March 16, 2017 - This company Credit Management LP has accessed my Consumer Credit Report without lawful Authority. I contacted them via facsimile transmission on -/-/-. They have not responded. I asked him to send me any documentation that they have that gave my consent for them to pull my credit report and violate my constitutionally-protected right to privacy. They have not sent any documentation showing that I have given them consent or that I have any kind of previous relationship business relationship with them. In fact, they have not responded at all. I am invoking the office of the CFPB to take ...

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Experian Credit reporting incorrect information on credit report information is not mine

March 16, 2017 - Last Saturday, I applied for an " Apartment '' filling out the necessary financial " screening paperwork '' which include an " Experian '' credit report. The " Experian '' credit report falsely noted that I had a home " Foreclosure '' sometime in - or -. I am a victim of " Identity Theft '' and now after calling " Experian, '' " Experian '' is also refusing to give me a copy of my current " Credit Report '' that they have on me. I was wrongfully " Denied '' to move into this newer/nicer " Apartment '' complex all thanks to " Experian. ''...

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Experian Credit reporting incorrect information on credit report information is not mine

March 16, 2017 - I added my husband as an authorized user on my - rewards card. He is not a signer on the card. I just found out They are reporting it to the credit bureau. I called them and they refuse to remove or change it going forward and insist that they are allowed to do this. My husband signed a form to be added as an authorized user and nowhere on that form does it state that they would report it to his credit. I am the only card holder/signer. This should not be on his credit!...

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Shellpoint Partners, LLC Mortgage application, originator, mortgage broker

March 16, 2017 - On - -, - at -, I received a suspicious email that was stated as sent from Shellpoint Mortgage Servicing, the company about which we filed complaints # - on -/-/- and -/-/-. The email was directing me to an unfamiliar website to download files that were supposed to be sent to me from SMS and a deadline retrieval date of - -, - was given. On the side of caution, I did not open the email due to cyber security concerns. On -/-/- at -, I sent an email to -, the person assigned by SMS to our loan account, informing him about my concerns and a...

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Pine Court Holdings, LLC Mortgage settlement process and costs

March 16, 2017 - I locked in a refinance rate of 3.875 % on -/-/2017. Underwriting complete, loan was preapproved. On -/-/- I was told rate is going up to 4.125 % due to manual underwriting. Is this legal?...

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TransUnion Intermediate Holdings, Inc. Credit reporting unable to get credit report/credit score problem getting my free annual report

March 16, 2017 - I took my husband 's last name & moved to his hometown when I got married 10 yrs ago. There was already someone there by the same name. I ca n't get my credit report from the - bureaus online because all security questions pertain to her life. I have written to them about this for yrs and gotten no resolution. I filed a compliant with them recently. Their response was to mail me my report. This does n't address the issue at all. I want my security questions to pertain to MY life, not hers, and to be able to get my reports online like everyone else....

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TransUnion Intermediate Holdings, Inc. Credit reporting incorrect information on credit report account status

March 16, 2017 - Last year we had an issue with Transunion not updating loan information. I disputed it and finally had to file a complaint with Consumer Finance. The issue was corrected, however, it is a joint account and we have noticed that the information did not get corrected on my husband 's Transunion report. I 've contacted both, Transunion as well as the bank. Transunion stated that they did n't change information on reports and the bank stated that the information being reported correctly on mine is the same information being reported on my husband 's report....

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BYL Collection Services Debt collection disclosure verification of debt not given enough info to verify debt

March 16, 2017 - BYL collection services did not provide adequate verification for debt question. No documents were provided showing contract or signature...

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Experian Credit reporting incorrect information on credit report account status

March 16, 2017 - - - pa, - - Account # - no contract and no signature...

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TransUnion Intermediate Holdings, Inc. Credit reporting incorrect information on credit report account status

March 16, 2017 - - - -, pa - - Account # - no contract no signature...

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Experian Credit reporting incorrect information on credit report account status

March 16, 2017 - - - - - - - - pa, - - Account # - no contract no signature...

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BYL Collection Services Debt collection disclosure verification of debt not given enough info to verify debt

March 16, 2017 - BYl collection services did not provide adequate verification fpor debt question. No documents were provided showing a contract or signature...

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TransUnion Intermediate Holdings, Inc. Credit reporting incorrect information on credit report account status

March 16, 2017 - - - - - - - - - Pa, - - Account # - no contract and no signature...

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BYL Collection Services Debt collection disclosure verification of debt not given enough info to verify debt

March 16, 2017 - BYL Collection services did not provide adequate verification for debt question. No documents were provided showing a contract or signature....

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Professional Medical Management, Inc. Debt collection improper contact or sharing of info talked to a third party about my debt

March 16, 2017 - -sentdetailedinformationtoacompanybythenameFinancialRecoveries.Irecentlyrecievedprinteddetailedinformationfrom : FinancialRecoverieswithinformationintheirattempttocollectadebtin whichmyHealthCareProviderdidpay.Thisinformationgivesexplicit detailsregardingtests, labs, etc...

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TransUnion Intermediate Holdings, Inc. Credit reporting incorrect information on credit report account status

March 16, 2017 - - - - - - - PA,- - Account # - No contract or no signature...

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Experian Credit reporting incorrect information on credit report account status

March 16, 2017 - - - - - - - - -, PA - - Account # - no contract or no signature...

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BYL Collection Services Credit reporting incorrect information on credit report account status

March 16, 2017 - - - -, Pa - - Account # - No contract or no signature...

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TransUnion Intermediate Holdings, Inc. Credit reporting incorrect information on credit report account status

March 16, 2017 - - - Pa, - - Account # - no contract and no signature...

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BYL Collection Services Debt collection disclosure verification of debt not given enough info to verify debt

March 16, 2017 - BYL collection did not provide adequate verification for debt in question. No documents were provided showing contract or signature...

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BYL Collection Services Credit reporting incorrect information on credit report account status

March 16, 2017 - - - - - - -, Pa - - Account # - no contract no signature...

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Experian Credit reporting incorrect information on credit report account status

March 16, 2017 - - - - - - - - -, Pa - - Account # - No contract and no signature...

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BYL Collection Services Debt collection disclosure verification of debt not given enough info to verify debt

March 16, 2017 - BYL collection Services debt collection didn '' t verify collection no contract or no signature...

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Simon’s Agency, Inc Debt collection disclosure verification of debt right to dispute notice not received

March 16, 2017 - I was working with - - - without verified Debt. I missed a payment and two weeks later - collection reports Where on my credit report. It is my understanding I was paying towards one bill from one company and not -. This is a violation of my rights and an attemp to destroy my credit profile....

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U.S. Bancorp Mortgage loan servicing, payments, escrow account

March 16, 2017 - US Bank Has not sent me a of the year end escrow analysis, which was due -/-/- by Law. They did send a notice saying they expect a shortage so send in $980.00. Now they 've sent another notice saying they now want - and that I should send it in right away. The provide no escrow analysis, which again was due -/-/- They also have not provided me with any accounting showing what my rate would be if I paid the amount and what it would be if I had it added to the monthly. By not providing the escrow analysis US Bank which was due -/-/- US bank is in violation and is handicappi...

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Freedom Mortgage Mortgage loan servicing, payments, escrow account

March 16, 2017 - This is about Freedom Mortgage Corp. For all of -/-/- I have been giving the monthly mortgage premium payments to a supervisor in the Finance Dept . to process as their online website had so many glitches and inconsistencies which made it extremely difficult to even access information far less to make the payment. For the most part, I was not able to log in at all. I have been receiving tons of mails and calls about re-financing which I kept on telling this company that we were NOT going to refinance as we already had a very good VA rate. Each letter showed a completely different mailing ...

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Torres Credit Services, Inc. Debt collection cont'd attempts collect debt not owed debt resulted from identity theft

March 16, 2017 - For a few years my identity was stolen. I discovered this because the franchise tax board notified me that my SSN was being used. I discovered that accounts were opened in my name taxes were filed. The account was opened at a residence that I have never lived. I filed an ID Theft Report copies were sent to - credit bureaus on - 2016....

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ERC Debt collection cont'd attempts collect debt not owed debt is not mine

March 16, 2017 - I have a enhanced recovery collection company trying to collect a debt. I do n't not owe since -/-/2013 and it 's been on my credit report for 4 years I try to call and get things straighten out but they could n't find a account that belongs to me. I no longer know what to do....

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Byrider Franchising, LLC Debt collection cont'd attempts collect debt not owed debt was paid

March 16, 2017 - In reference to CNAC-T- - # - account. Check issued : -/-/2017 for $2100.00 as paid in full. To Collection Manager : This letter is to inform you that the validity of this debt is disputed. As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt. However, in order to quickly resolve this account, I am willing to pay $2100.00 which will be paid by - - in the form of a check. If you agree to delete this account from any and all credit reporting agencies - - will release funds as promise, and there ...

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Phoenix Financial Services LLC Debt collection disclosure verification of debt not given enough info to verify debt

March 16, 2017 - Received a letter in mail from Phoenix Financial in reference to a debt of $760.00. Letter indicates original creditor was - which I have no knowledge of. This is causing me anxiety and fear my personal information is being shared with others which can cause identity theft. In no way this debt has been validated as mine and I request company to cease contact and delete information as to this may potentially affect my credit and/or use identity....

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BYL Collection Services Credit reporting incorrect information on credit report account status

March 16, 2017 - - - - - - - - - Pa, - - Account # - no contract or no signature...

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BYL Collection Services Debt collection disclosure verification of debt not given enough info to verify debt

March 16, 2017 - BYL Collection Service account # - did not provide adequate verification for debt in question no documents were provided showing a contract or signature...

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