Date Received: 2023-11-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I hope this letter finds you well. I am writing to bring to your attention a discrepancy in my credit report maintained by your bureau. Upon reviewing my credit history, I have noticed the presence of inaccurate late payments, which do not accurately reflect my payment history. I pride myself on being a responsible and diligent payer, consistently meeting my financial obligations on time. The reported late payments are inconsistent with my financial behavior, and I believe there has been an error in the reporting process. Account Information : SPECIALIZED LOAN SERVI XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. I am kindly requesting a thorough investigation into this matter and the prompt correction of the inaccurate information on my credit report. I understand the importance of accurate credit reporting and the impact it has on my overall financial well-being. As such, I request your cooperation in rectifying this error as soon as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93021
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Very disappointed with XXXX, of all Credit Agencies, your response and clear lack of proper assessment, you've sided with a crooked company that has lied and not corrected their own misreporting, despite my screenshots of information proving so. You also continue to reduce our scores, again without any consideration, which the other agencies have corrected and who properly reviewed all information and took care of correcting information and scores. Despite proof of unfaultered trial payment program, which has not been corrected, you clearly are unable to rationalize the facts. SLS - Specialised Loan Services, shows missed payments on our mortgage, on XXXX occassions, - PRIOR TO THEIR OBTAINING the mortgage from XXXX XXXX, where there was an agreed deferment and already signed documents in place to restart payments, AND SLS reporting failure of making trial payments to them, which are clearly documented on the account, received documents of confirmation of ALL Trial Payments and agreement to continue planned payments, YET SLS and XXXX have failed to remove the INCORRECT INFORMATION FROM THE CREDIT AGENCY PUBLIC RECORDS. WHEREAS the information has been corrected with XXXX AND XXXX ..... This has now caused any company using ONLY XXXX to DENY CREDIT, based upon FALSE INFORMATION from SLS on XXXX site. We have also since received a letter from SLS offering products to us, based upon our " EXCELLENT PAYMENT HISTORY '' SLS and XXXX HAVE FAILED to correct and will be subject to litigation with the Documented proof we have from SLS THAT EVERYTHING SINCE AND INCLUDING THE TRIAL PERIOD was satisfactorily PAID AND SETTLED.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33317
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: I was looking at my credit report with the mortgage company and I noticed my credit was not reported for the mortgage company Im with. Its not reported on my credit history Its not going towards my credit score or have any history of payments documented to my report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The financial institution has reported personal information to XXXX, XXXX, and XXXX which under 15 USC 1681 ( 2 ) ( A ) ( i ) states that reporting XXXX history is illegal. In addition, these financial institutions have violated not only the Fair Reporting Act but also the Privacy Act of 1974. One of the financial institutions, SLSXXXX XXXX XXXX a letter to my personal insurance company disclosing not only my non-public information but requested that my insurance company CLOSE my account and send them any credits that were available on my personal account. I have the right to make sure my private information is not shared which is backed by 15 USC 1601 which states, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. SLS/XXXX is a financial institution by definition under that title. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The financial institutions never informed me of my right to exercise my nondisclosure option. 12 CFR Section 1022.3 Identity theft means the fraud committed or attempted using the identifying information of another person without authority. According to the Fair Reporting Credit Reporting Act 15 USC 1681 section 602a states, There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. XXXX, XXXX, and XXXX are consumer reporting agencies, and I am the Consumer. 15 USC 1681 section 604a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. The financial institutions and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, and the financial institutions whether it be verbal, non-verbal, written, implied or otherwise is now revoked. Not only that 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency can make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission is against the law. 15 USC 1681 s-2 ( A ) ( 1 ) A states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR Section 1016.7 states that A consumer may exercise the right to opt-out at any time. I am hereby opting out of any further reporting services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89139
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The financial institution has reported personal information to XXXX, XXXX, and XXXX which under 15 USC 1681 ( 2 ) ( A ) ( i ) states that reporting XXXX history is illegal. In addition, these financial institutions have violated not only the Fair Reporting Act but also the Privacy Act of 1974. One of the financial institutions, SLS/XXXX also sent a letter to my personal insurance company disclosing not only my non-public information but requested that my insurance company CLOSE my account and send them any credits that were available on my personal account. I have the right to make sure my private information is not shared which is backed by 15 USC 1601 which states, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. SLS/XXXX is a financial institution by definition under that title. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The financial institutions never informed me of my right to exercise my nondisclosure option. 12 CFR Section 1022.3 Identity theft means the fraud committed or attempted using the identifying information of another person without authority. According to the Fair Reporting Credit Reporting Act 15 USC 1681 section 602a states, There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. XXXX, XXXX, and XXXX are consumer reporting agencies, and I am the Consumer. 15 USC 1681 section 604a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. The financial institutions and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, and the financial institutions whether it be verbal, non-verbal, written, implied or otherwise is now revoked. Not only that 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency can make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission is against the law. 15 USC 1681 s-2 ( A ) ( 1 ) A states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also, 12 CFR Section 1016.7 states that A consumer may exercise the right to opt-out at any time. I am hereby opting out of any further reporting services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89139
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: Specialized Loan Servicing online system is not user-friendly due to the security system. It requires a two-step verification system and makes it extremely difficult to log into the account to make a payment. It becomes a loop, requires you to check your email for the code, the code does not come, then requires you to change your password, then it gives you the recovering code, you use the recovery code, then it logs you out and you go through this loop several times. Since it requires an hour of being on the computer and then ending up making a phone call to unlock the login it has resulted in late payments. It is unjust that due to their system, it is difficult to make payments and then the consumer is assessed a late fee. I am computer savvy and I struggle. I am requesting an investigation. I am concerned about the elderly or people who are not used to using computers and how they may struggle more with this system. Are they purposely making it difficult to make money on the late fees?? Please note this is not an isolated incident, it occurs every month. I have notified Specialized Loan Servicing last month of my concern and again this month.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 87124
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Trouble during payment process
Subissue: Loan sold or transferred to another company
Consumer Complaint: SLS has failed to provide a bilateral contract with two signatures as evidence that I agreed to paying them any debt. SLS has failed to provide evidence of any capital loss or proof of funding to any account that establishes an obligation for me to pay an alleged debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30008
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: My mortgage loan XXXX was transferred to Specialized Loan Servicing ( XXXX ) earlier in the 2023 year. I shortly thereafter received a letter that XXXX needed to verify the condo insurance. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I provided XXXX by email to XXXX with proof of insurance in a " certificate of property insurance '' with XXXX XXXX. Additionally, I placed several calls to XXXX on XX/XX/XXXX, XX/XX/XXXX, and XXXX/XXXX/XXXX to confirm they had received the insurance policy certificate. XXXX has acted in bad faith and wilfully ignored my condo insurance proof. They have notified me in a letter dated XX/XX/XXXX that XXXX purchased insurance on the condo and are charging me {$870.00}. This forced policy was backdated to XX/XX/XXXX, a date far prior than they requested proof of insurance from me. When I spoke with the call center every time the representative said my XXXX family insurance information was received and I had nothing further to do. None of the call center representatives said that XXXX had force purchased another insurance policy without my permission or consent. This was handled improperly by XXXX and I am demanding the refund the {$870.00} policy that was not needed or requested.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97225
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Trouble during payment process
Subissue: Private mortgage insurance (PMI)
Consumer Complaint: We have never had a late payment. There was one instance where we had overpaid and the mortgage company was not accepting our automatic deposits. But that only lasted for XXXX months. There was one other time when the loan was transferred to Specialized Loan Servicing and they sent us a late notice in error. XXXX reached out to Specialized Loan Servicing via their messaging portal to ask for the process in canceling PMI once we reached 78 % XXXX the home 's original value. We received no response. XXXX called the XXXX number and were told to email XXXX. We did. We received a canned message on XX/XX/2023 about how to cancel the escrow account, rather than my PMI. XXXX inquired a third time. and received another canned message ( on XX/XX/2023 ) telling us how to cancel my PMI before the scheduled date. Again, the scheduled date was XXXX year ago, so the information provided did not answer my question. XXXX We emailed again asking to speak with a manager and received no response. XXXX called customer service again on XX/XX/2023 and was transferred to a representative in the XXXX department. She advised me that we had not reached the Scheduled Date where PMI could be cancelled. I asked her to provide me with the scheduled date, and she indicated that she didnt have that information. She would submit a request to the XXXX XXXX to research that and make a determination but would not let us know if and when a determination would be made. We needed to call back on an unspecified date to find out. XXXX received a call from XXXX XXXX XXXX asking us to return the call. There was no extension or name. We did and had to start over with the representative that answered the phone. We waited while he read through notes. He then said we needed an appraisal. We told him that you do not need an appraisal when you are not trying to cancel early and that we wanted to speak with a supervisor. We were told one would call us back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 061XX
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Closing on a mortgage
Subissue: Closing disclosure or other related disclosures
Consumer Complaint: i'm a victim of identity theft and noticed fraudulent information on my credit report. I will like for this information to be blocked and removed immediately. i never gave you consent to report anything to my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40218
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A