Credit bureau · complaint record
Ocean Lending Home Loans complaints
Consumers have filed 10 complaints about Ocean Lending Home Loans since 2019, 2 of them in the last 12 months. It answered 0% on time and closed 0% with relief for the customer. The most common problem is incorrect information on your report.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 10
- Last 12 months
- 2
- Answered on time
- 0%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #342 of 566
Since May 2019
new vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: May 29, 2026
Most complained-about credit bureaus & report companies
Ocean Lending Home Loans complaints by month
The busiest month was February 2024 (2 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Ocean Lending Home Loans answered all time
- Closed with explanation440%
- Untimely response660%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Ocean Lending Home Loans complaints are about
Top Ocean Lending Home Loans problems
Inside "Improper use of your report"
- Reporting company used your report improperly 2
Where Ocean Lending Home Loans complaints come from
Most complaints: Michigan (2), Iowa (2), Tennessee (1), Indiana (1), Massachusetts (1).
Ocean Lending Home Loans compared with other credit bureaus & report companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Apple FinancingCredit reporting | 57 | 28 | C |
| 2 | Nav TechnologiesCredit reporting | 55 | 28 | C |
| 3 | Opportunity FundCredit reporting | 51 | 27 | C |
| 4 | Heritage Financial GroupCredit reporting | 0 | 27 | F |
| 5 | Informative ResearchCredit reporting | 60 | 26 | C |
| 6 | Pennsylvania Housing Finance AgencyCredit reporting | 56 | 25 | C |
| 7 | King of Credit FinancialCredit reporting | 10 | 25 | F |
| 8 | Ocean Lending Home LoansCredit reporting | - | 2 | - |
Compare side by side: Ocean Lending Home Loans vs Apple Financing · Ocean Lending Home Loans vs Nav Technologies · Ocean Lending Home Loans vs Opportunity Fund · Ocean Lending Home Loans vs Heritage Financial Group
What people say about Ocean Lending Home Loans
All experiencesNo experiences with Ocean Lending Home Loans yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Ocean Lending Home Loans complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| May 29, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | No timely reply |
| Mar 23, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | No timely reply |
| Feb 4, 2025 | Money transfers & apps | Other transaction problem | No timely reply |
| Dec 18, 2024 | Crypto | Fraud or scam | No timely reply |
| Feb 9, 2024 | Credit reporting | Improper use of your reportReporting company used your report improperly | No timely reply |
| Feb 9, 2024 | Credit reporting | Improper use of your reportReporting company used your report improperly | No timely reply |
| Apr 13, 2022 | Mortgages | Struggling to pay mortgage | Explained |
| Jul 22, 2020 | Credit reporting | Problem with a credit reporting company's investigation into an existing problemInvestigation took more than 30 days | Explained |
| Jul 1, 2019 | Mortgages | Struggling to pay mortgage | Explained |
| May 22, 2019 | Mortgages | Applying for a mortgage or refinancing an existing mortgage | Explained |
Questions about Ocean Lending Home Loans
How many complaints does Ocean Lending Home Loans have?
Ocean Lending Home Loans has 10 complaints on record since May 2019, including 2 in the last 12 months and 0 in the last 30 days. That makes it number 2,550 of every company by complaints this year.
Does Ocean Lending Home Loans respond to complaints?
Yes. Ocean Lending Home Loans answered 0% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix. The rest were mostly closed with an explanation only.
What do people complain about most with Ocean Lending Home Loans?
The most common problems are incorrect information on your report (1), attempts to collect debt not owed (1), improper use of your report (2).
Is Ocean Lending Home Loans legit?
Ocean Lending Home Loans is a real company with a public complaint record: consumers have complained about it 10 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Ocean Lending Home Loans legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Ocean Lending Home Loans?
Complain to Ocean Lending Home Loans in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Ocean Lending Home Loans complaints come from?
Most come from Michigan (2), Iowa (2), Tennessee (1). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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