Consumer complaint received 2022-02-15
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: AR
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX I fws a credit app with XXXX  XXXX  in XXXX Arkansas the salesman 's name was XXXX XXXX. I spoke with them regarding the loan and it was going to be a conventional loan. I recieved loan documents in my XXXX XXXX XXXX XX/XX/XXXX and documents and application were dated XX/XX/XXXX. This documents did not come from XXXX XXXX  they were sent to me by the loan XXXX  XXXX XXXX he has never been reachable and there has been no communication regarding this loan. The loan should have been closed out and taken from the credit report due to I did not agree to conditions the date of the prepaid stamp with the documents that possessed my personal information had been collected from the post office box and used to leak information the envelope it was collected with was dated XX/XX/XXXX yet the documents inside contract and personal info was dated XX/XX/XXXX. I feel my info was leakwd and action could be used against this company due to my info never reached me and the loan XXXX should have verified the information and recieot of the info. 
XXXX XXXX also I filled out and it runs as XXXX inquiry. Loan XXXX XXXX XXXX ran my credit spoke to said she had a new approval and it was getting refered back to XXXX XXXX whom was processing the loan in XXXX. I was very confused how the loan would still have the same pre approval off a new credit score. Week later I got a letter in the mail stating my loan was closed and it would not be used against me. Following that I have reached out to veterans united which they connected me to a XXXX  XXXX XXXX XXXX Arkansas I declined he declined to work with me mwnriining he was going our of town. Further more several other realtors have had our of town and sick excuse all will communication back together leaking my personal information and passing it between the two. XXXX XXXX. XXXX XXXX and her XXXX with porch light realty and XXXX with XXXX XXXX. I will admit I have been a complicated person due to being nervous to buy a large purchase however they have been only intertwining me bc I have mentioned the reporting or damaging my credit report. Credit source checked my credit for XXXX, XXXX  XXXX  and checked it several times in the same day. I called credit source my self asking rhwm why they ranbit so much and when would they fix the credit report I went from XXXX inquiry to XXXX when only asking a few lenders to have options. It is now middle of XXXX and XXXX XXXX sends another computer email of the credit history of just now closing our loan. I feel they are willing to work with me on financing a home so I do not feel as or threat from XXXX XXXX mybplan is to work with them in the very near future if same problems arise I will certainly report. However many reators mentioned they had never heard of XXXX  XXXX  whom also I talked with XXXX XXXX who dwnied me help and was requested I pay a XXXX deposit for a VA loan. This has been a nightmare which should be a happy and dream of your life. I'm now in orosoecr to build in XXXX XXXX Ar under XXXX XXXX  XXXX  and their underwriters if cornerstone which ran there's under credit source not once but twice in same day. XXXX closed thiers our properly as well as XXXX XXXX  did. Most recently on Saturday spoke to XXXX  XXXX  they spoke with me on recieded line she asked indo and without asking or running the discloser she ran my credit it shows up as factual data. I would like to have help regarding these situations and clarify why these companies are allowed to damage somwoens soul and credit. I will look into legal help as well. Be prepared I'll be reporting car sales later once this is fixed I figured I would get more help here before I proceed to legal. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation