Consumer complaint received 2023-07-17
Company: North Dakota Housing Finance Agency
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX we found out we were expecting and at XXXX weeks, my life and my child 's were at risk due to an unknown health problem at the time. We filed bankruptcy in response to the overwhelming debt we incurred during this difficult period of XXXX stays XXXX miles from home. 

This last year, XXXX I was finally diagnosed with XXXX. We struggled with our mortgage. We tried to find relief within the company ND HOUSING with no luck or response or severely delayed response and we eventually received help outside of their company. In XXXX, we were served with foreclosure paperwork even though I had a health letter from my doctor stating I could not work. My husband and I also kept up communications when payments, although late, were coming. Knowing we had help coming in we were served. We came up with {$8000.00} to pull ourselves out before the due date was up. Conveniently, that due date was before our help was set to arrive. 

{$8000.00} was XXXX XX/XX/XXXX. Catching us up. 
XXXX more payments were issued to ND in XXXX. See attached letter. 

ND Housing has consistently reported inaccurately if at all the last 4 years. Please see attached reporting. We have never had accurate information and in fact I requested that our mortgage be reported accurately early XXXX. 

We knew we wanted to sell, work on our debt since we were receiving relief and obtain a mortgage that was affordable, in, Florida where the health care and heat ( weather ) better fit my health demands. 

We found a lender willing to work with us and we got almost to closing and ND housing had not been reporting correctly and now reporting something different again. XXXX from ND said that we were on time from XXXX. Which actually since mortgage is paid ahead would have been XXXX. In all reality, we had no idea because reporting wasn't reported at all, or reported differently across the board. 

Since everything has fallen through we have lived in a hotel, had to put everything in storage and finally got into a rental. My husband had to go back to work in ND since you can't change jobs before buying. He will still there until we can buy, away from our family with 5 children and me with XXXX. I am the sole caretaker and I need my own caretaker. 

If ND Housing were reporting correctly our lender and us would have known before trying to obtain a loan.

The facts our we needed help. We received help from an outside help and we worked very hard to relieve ourselves from debt and make every penny help. ND housing is paid in full and our family is separated and states away from each other. 

At the end of the day had my lender pulled credit and the reporting was there and correct, we wouldn't be in this situation. The credit and reporting has constantly changed, we have no idea what was/is accurate. The credit supplement pulled XX/XX/XXXX didn't show a late in XXXX or XXXX, they show it as a regular payment but an XXXX shows a 90 day late but with a regular payment. Then the report has changed sine and before then. All attached.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation