My mortgage was sold to Everhome just over a year ago and they have misapplied mortgage payments twice since then. The first time this happened they reported a late payment on my credit report. I called several times to have them correct the error only to be told that it was "my responsibility" and that they would not be taking any action. I discovered the second error last evening when they called demanding a payment that I made two and a half weeks ago on time. After giving their representative the confirmation number that they provided me at the time of payment they hung up. I'm afraid this error of theirs will end up on my credit report as well. I can't afford to see my credit score drop every time they make a clerical error. Is there anything I can do?