| 07/17/2023 |
Yes |
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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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.
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| 10/26/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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I am so devastated and so very disappointed with my mortgage company " North Dakota Housing Finance Agency " I was unemployed for 9 months trying to figure out a way to keep from losing my home. I was told by them there was nothing they could do because I had no Income. I was on-line checking daily for different programs that could help me. Every time I found one I would call NDHFA to see if it would work. but every time it was " they did n't predicate in that program, or my loan was n't through that program. Mean while they had started the foreclosure on my home. When I was served I called they attorney on the summons and was told I had p I needed to respond to summons. I asked how do I do that. He then said because I had called that was a responds. I then asked what do I need to do so I can stop this, I was told I had plenty of time but to basically come up with the past due amount. The only thing ND Housing Finance Agency Offered me was a repayment plan XXXX a month which I had a job in XXXX 2016 but that was all I was making, so they extended it to 12 months and it was XXXX but I still could n't afford that. Mean while I find out my loan is through the XXXX which means if I default on my loan, XXXX will pay the private financier for the loan. Then because no-one else was at the Sheriff Action for my home the ND Housing Finance Agency bought it for XXXX and telling me I need to pay XXXX by this Friday XXXX XXXX 2016 before XXXX XXXX. The North Dakota Redemption Laws : Title XXXX chapter XXXX / Title XXXX chapter XXXX / Title XXXX chapter XXXX It states I would have to reimburse the purchaser ( the person or entity who bought the home at the foreclosure sale ) for the full price paid paid at sale, plus interest. I 'm not trying to get out of paying for my home I would just like something that could work for both of us. Like the Forbearance Program and remove up front hurdles to make it easier for unemployed homeowners. The Mortgage Forgiveness Debt Relief Act, Helping Families Save Their Home 's Act The Real Estate Settlement Procedures Act.
Please Help Me Save My Home!!!!!
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| 07/20/2015 |
Yes |
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- Communication tactics
- Used obscene/profane/abusive language
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Web |
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I was behind on my mortgage payments I got a call from the company and the lady treated me like garbage asked what I was doing even owning a home I should n't even have bought a home said I did n't deserve a home asked why did I buy a home if I could n't afford it made me feel so bad why would I ever want to talk to them again. Since then I have been foreclosed on kicked out of my house even after I told them I lost my job and was unemployed all they server said was make a payment and a half unroll caught up it was berry frustrating I do n't know if there is anything I can do to get my house back but I just do n't want them to be able to do this to other people.
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| 01/05/2024 |
Yes |
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- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
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Web |
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| 06/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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