Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I purchased my home in XXXX  for {$55000.00}. I did all of the classes I applied months in advance and I was treated terribly by the mortgage company prior to my closing. I didnt even know that I was closing for solid the Friday before I was scheduled to move and they knew I was in a XXXX  XXXX situation, finally on Monday XXXX  after a tumultuous conversation with the manager at the bank on Friday afternoon I was told I was set to close Tuesday XXXX  so I went to the closing however, I was the only person there and the title company no one from the bank in fact, I couldnt even reach anyone from the bank. it was very specific on my loan documents/my offer that it was contingent on financing. No, I got to the closing, signed all documents and was looking them over one last time prior to passing them back to the woman. I was working with there something cut my eye it was that there was an additional {$10000.00} loan on top of the {$55000.00}, naturally I was shocked and alarmed and I tried to get a hold of my mortgage person, but I couldnt reach her. I didnt know what to do because I had no choice. We had to be out of my house that afternoon and she knew that. She sent me a text that was pretty condescending and she ended up telling me, that was alone on top of my other loan that was my down payment assistance and that its often done that way Ive never heard of it thats for certain and I was obviously upset. I called my realtor and she was pretty shocked herself and couldnt get any answers either, it was a nightmare, dealing with this particular loan officer to be with the bank, but I ran out of time because she just kept reassuring me. Now here I am a couple of years and a whole XXXX XXXX  later they are reporting the account to the credit bureau three times Different amounts theyre showing that my loan closed and reopened but theyre also showing that I owe XXXX and another one theyre showing XXXX and another one theyre showing that I owe XXXX roughly and the {$10000.00} loan. I took a last year because I was going through XXXX treatment and had some other, things going on my ex-husband passed away and I was the only family that he had had to take care of his single mom XXXX so I took a forbearance and was told I needed to call at the end of XXXX. In fact I wrote it in my book at the end of foreclosure, not sheriff had already been set to department. They wouldnt transfer me to anybody. It would just be hold music forever when I finally got a hold of somebody. They said that I had to qualify for modification and I said fine and they transferred me to their modification department out through the application at the end of the call the woman said thank you for calling XXXX. I dont remember the name mortgage brokers and I said wait a minute what and she had already hung up. I was fuming. She said they would let me know within 30 days. I never heard back on anything documents Ive never signed anything other than your original paperwork that I am telling you about needless to say I never got the USDA loan I was promised I never got the down payment assistance that I worked hard for I never got any new terms for my modification. However, I do have documentation that many different occasions. Ive reached out to them and asked them why my payment is more than double what it originally was and they claim Things they blame it on the modification they blame on forbearance they blame it on my homeowners insurance, all kinds of things. But nobody can ever give me an actual answer now here I am a year later and I was killing myself to make more than double payments of almost {$800.00} a month on XXXX, I have requested that. They bet they validate and verify the old amount on several locations because of all of the issues Ive been very, very hateful about all of this because I lost my first house too. XXXX XXXX loans who eventually ended up getting sued and I wasnt aware of it because they did it so many other people imagine how scared I was when t My mortgage even offered me forbearance, but I took it because I had no choice. no, here I sit, terrified that Im going to lose my house again because I cant afford these payments. I know that that bank was granted a whole lot of money due to my research for XXXX funding I did apply through the state of Minnesota for homeowners assistance, but I still have no idea why my application was denied, I provided all information couldve possibly ever wanted or needed so with that when I talk to somebody about the forbearance, I asked about a modification or refinance using XXXX funding and they reassured me that they would make sure that I was well aware what was going on however, obviously thats not the case as Im still in the dark Ive sent them several letters emails and chatted with them and nothing and then today I was notified that they are still reporting that I was late all the way to last year and now reporting all of these different accounts. Can somebody please help me it will break my XXXX if I lose this house too because of a shady lender

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