davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Since XX/XX/XXXX XXXX  XXXX has been reporting false information to my credit le held by their organization. I aware that Public Records type information is public. I am also aware that main provider of this information is XXXX. Therefore, XXXX  XXXX is in violation of the Fair Credit Reporting Act for false reporting. 

My rst attempt to resolve the false reporting of information was received via certied mail USPS ( XXXX ) on XX/XX/XXXX. In the letter I challenged the accuracy, compliance and report-ability of the listing. XXXX XXXX  responded with a letter claiming to have veried the public record. I sent a letter to the UNTIED STATES BANKRUPTCY COURT - XXXX XXXX of Alabama formally requesting their procedure for verifying records with the credit reporting agencies. The Bankruptcy Clerks Ofce stated, Credit reporting agencies regular collect information from the petitions led and report the information on their credit reporting services. How did XXXX XXXX verify the public record if creditor, in this case, UNITED STATES BANKRUPTCY COURT does not provide information to credit reporting agencies? 

My second attempt was received via certied mail USPS ( XXXX ) on XX/XX/XXXX. I again requested validation, accuracy, compliance and report-ability of the listing. I also attached the letter from the UNITED STATES BANKRUPTCY COURT, and requested their method of validation, and declare an opt-out of e-oscar verication. Once again XXXX XXXX response deemed the information veried. 

Laws I can potential le for : 1 ) FCRA Section 623 XXXX, v. XXXX XXXX XXXX US Court of Appeals of the Third Circuit Court Case XXXX XXXX XXXX XX/XX/XXXX, Filed ( D.C. No. XXXX ) 2 ) US Court of Appeals, Ninth Circuit, No. XXXX, XXXX vs. XXXX XXXX FCRA rules allow for up to {$1000.00} per violation. First Communities will also be liable for any court fees.
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (CA)

I have had an account with EXETER FINANCE that started in XXXX, XXXX. I made a payment on XXXX/XXXX/XXXX confirmation # XXXX and they never took the money out of my account and then hit my credit with a late mark. 

I have attached a letter from my bank stating that they never tried to take money out of my account in XXXX of XXXX and that my bank never declined a payment to exeter finance. I never changed account numbers or anything and I made payment from the same account I have saved online. 

This error is not on my part, it is on exeters online system and I feel it is unfair to hit my credit when it is a mistake on their part. Please remove this mark from my credit immediately.
Consumer complaint received 2018-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

RE : Request for Investigation of Unauthorized Inquiries I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed several unauthorized inquiry had been made. 

I contacted the creditor, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I was informed from the creditor to dispute the hard inquire with the credit bureau. 

I request that you initiate an investigation into the below Hard Inquires listed from creditors I did not approve to inquire a hard inquire. I am requesting the following hard inquires be deleted from my credit report due to non authorized hard inquire. inquiry on my credit report to determine who authorized the inquiry. 

Please delete the following account due to non authorize hard inquire : Alert Date XX/XX/XXXX Company XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone XXXX XXXX  XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Department & Variety Stores ( XXXX ) XXXX
Consumer complaint received 2017-09-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

XX/XX/XXXX I BORROWED {$67000.00} FROM XXXX.. TO THIS DAY THEY HAVE SAID I BORROWED {$210000.00}. MY MORTGAGE PAYMENT WAS {$1800.00} PER MONTH.
I WROTE THEM AND ALSO CALLED THEM AND TOLD THEM I COULD NOT PAYMENT AMOUNT OF MONEY PER MONTH MY INCOME WAS NOT COVERING THAT. THEY TRIED TO FORECLOSE ON ME IN XX/XX/XXXX. I HIRED XXXX XXXX XXXX OUT OF XXXX FL/XXXX XXXX FLORIDA. WE WENT TO COURT OVER THIS MATTER AND XXXX THEN SOLD THE MORTGAGE NOTE TO PENNYMAC LOAN LLC. PENNYMAC CONTIUED WITH SAME PRACTICE THAT XXXX HAD PERFORM CONCERNING HOW MUCH I OWED BACK. THE AMOUNT WAS NOW {$1400.00} PER MONTH. THEY LATER MODIFIED THE MORTGAGE MONTHLY TO {$1100.00}, JUST RECENTLY ( XX/XX/XXXX TO XX/XX/XXXX ) SINCE XX/XX/XXXX I CONTACTED PENNYMAC AND TRIED TO REASON WITH THEM ABOUT THE {$1100.00}. XXXX  BIENG TO MUCH. WED., XX/XX/XXXX IN FORMING ME THAT THEY HAVE SOLD THE MORTGAGE TO XXXX XXXX XXXX CUSTOMER SERVICE DEPT. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX IL XXXX/ PAYMENT OFXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. PENNY MAC TOLD ME THAT EVERY TIME THE NOTE IS SOLD THAT THE BUYING COMPANY ADD TO THE PRINCIPAL MAKING THE AMOUNT OWED GREATER WITH EVERY BUYERS PURCHASE OF THE NOTE. WITH XXXX BACKING PENNYMAC WITH SAME STATEMENT. I WENT FROM BORROWING {$67000.00} TO OWING {$21000.00} PRESENTLY. LOAN # XXXX NOW THE ESCROW THAT I WAS PAYING ING MY PAYMENT HAVE BEEN CANCELED, WITH XXXX XXXX XXXX. IT IS NOW MY RESPONSIBILITY. IF MY ESCROW IS PAYED UPTHEN WHY DID INOT RECEIVE THE OVER PLUS?????
Consumer complaint received 2023-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

I have an business checking account under XXXX XXXX XXXX, one of an issued check ( around {$2000.00} ) has been stolen and person who stole the check have it deposit at wells fargo branck which payee information is not match, I file forgery affidavit claim with police report thru XXXX XXXX XXXX towards well fargo, wells fargo fist said resolution time frame is form 90 to 180 days, XXXX XXXX has follow up with wells fargo every month and it show pending, it has been 180 days now, well fargo still didnt have any update regarding my claim. I dont know what can a customer do now. thank you for your help
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (CA)

My Mortgage Company - Freedom Mortgage has reported that I did not pay my XXXX 2017 Mortgage payment. I did pay my XXXX Mortgage payment and they immediately cashed my check although they state there was an increase in my impound account, which I was not notified of. After numerous phone calls to resolve this issue it appears to have been a bookkeeping/automated check deposit error. Yes, apparently my impound was increased in XXXX, I was not made aware. They deposited my XXXX payment which is made automatically through my bank. Also XXXX. Each month my payments are made on time and I had no reason to believe that there was any problem. They are saying I did not make my XXXX payment due to the increase my check was put into a " suspense account '', but cashed immediately and NOT APPLIED to my account. They then reported to my credit history that I did not make my XXXX payment. I have spoken to several people within the company, most recently Vice President XXXX XXXX at XXXX. He is in California. He said his Correspondence Group is denying retraction of the bad credit for non payment. Also today 's recording of my amount due is different than what my recent statement indicates. I have bank statements showing all payments made in a timely manner. Please help me. I have an FHA loan and was getting ready to refinance to a Conventional loan. I have over {$300000.00}. in equity in my home and have owned it for 14 years and never missed or been late on a payment and was n't this time. 

Thank you for your assistance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, CA XXXX
Consumer complaint received 2023-07-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Solar Mosaic LLC (GA)

Mosaic is a lender from California and XXXX XXXX XXXX XXXX XXXX. They do not list a Georgia business license and they are partners in a scam that two states attorney general offices. I am in Georgia and have been scammed. The solar system sold doesnt work and the lender and company were aware of the poor quality equipment being installed. I never agreed to a lien on our home and they put one on our house. They promised a tax rebate that does not exist. I can not afford to pay the payment and my electricity bill that hasnt gone down as promised. The states of TN and KY have filed suit against XXXX XXXX XXXX but Mosaic the partner should also be held accountable
Consumer complaint received 2017-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (WI)

On the night of XX/XX/XXXX or early in the morning ofXX/XX/XXXX my debit card from Chase Bank was stolen from XXXX XXXX XXXX XXXX. It was used for the transactions listed below, totaling {$670.00}. I reported the card stolen the next day ( Claim # XXXX was assigned to my case ) to Chase Bank over the phone and it was put on hold. I was also told I needed to go in person to the Bank in order to complete the claim. On MondayXX/XX/XXXX I visited the chase bank at XXXX XXXX XXXX XXXX XXXX, WI XXXX and spoke with someone who assured me it would all be taken care of. The {$670.00} was credited back to my account. After a review process I was told by chase ( on XXXX ) that due to inconsistencies and the fact that the person who used my card was able to correctly input my PIN # chase bank was taking away the {$670.00} credit they had previously given me. Therefore I am losing {$670.00} from my bank account.
1 ) NON-CHASE ATM FEE-WITH Fee {$2.00} 2 ) NON-CHASE ATM FEE-WITH Fee {$2.00} 3 ) XXXX XXXX XXXX XXXX XXXX WI XX/XX/XXXX Purchase {$4.00} Cash Back {$20.00} Debit card transaction {$24.00} 4 ) XXXX XXXX XXXX XXXX XXXX WI XX/XX/XXXX Purchase {$9.00} Cash Back {$20.00} Debit card transaction {$29.00} 5 ) XXXX XXXX XXXX XXXX XXXX WI XX/XX/XXXX Purchase {$2.00} Cash Back {$20.00} Debit card transaction {$22.00} 6 ) XXXX XXXX XXXX XXXX XXXX WIXX/XX/XXXX Purchase {$1.00} Cash Back {$20.00} Debit card transaction {$21.00} 7 ) XXXX XXXX XXXX XXXX XXXX WIXX/XX/XXXX Purchase {$1.00} Cash Back {$20.00} Debit card transaction {$21.00} 8 ) XXXX XXXX XXXX XXXX XXXX WI XX/XX/XXXX Purchase {$1.00} Cash Back {$20.00} Debit card transaction {$21.00} 9 ) XXXX XXXX XXXX # XXXX XXXX WI XXXX XX/XX/XXXX Debit card transaction {$29.00} 10 ) ATM WITHDRAWAL XXXX XXXX XXXX  XXXX  ATM transaction {$20.00} 11 ) ATM WITHDRAWAL XXXX XXXX XXXX  XXXX ATM transaction {$40.00} 12 ) ATM WITHDRAWAL XXXX XXXX XXXX  XXXX ATM transaction {$200.00} 13 ) ATM WITHDRAWAL XXXX XXXX XXXX  XXXX ATM transaction {$200.00} 14 ) NON-CHASE ATM WITHDRAW XXXX XXXX XXXX XXXX ATM transaction {$44.00}
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I have came to notice numerous attempts for credit with my name and information fraudulently without my permission or authorization. I 've demanded these applications get cancelled immediately as they were not submitted by me.
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It has been four months and credit reporting agencies have not deleted all unauthorize inquiries and accounts that was included in bankruptcy chapter XXXX. 
Bankruptcy chapter XXXX was filed on XXXX XXXX,2016 and Discharged by Federal Judge on XXXX XXXX,2016.
Credit reporting agencies are reporting my credit scores at XXXX and why my credit scores has been dropping as I only have two active accounts XXXX XXXX XXXX of {$40.00} a month and XXXX XXXX XXXX of {$480.00} in which vehicle loan payment was reduced to {$440.00}. 
XXXX and Transunion has XXXX unauthorize inquiries that needs to be deleted permanently. 
XXXX has only XXXX authorized inquiries and XXXX has deleted all unauthorize inquiries from my credit report.Why XXXX and Transunion are discriminating and Retaliating against me as a XXXX US Citizen and Military Veteran. 
I am XXXX XXXX and XXXX.
Consumer complaint received 2017-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (PA)

I paid my final bill to Citibank for credit card debt that they claim was received two days late. I claim it was not. In any case, they have been charging me {$35.00} a month plus interest and the total debt now is {$150.00} and I tried to speak rationally with them and they would not have it.
Consumer complaint received 2018-03-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

I am the victim of predatory lending. Loan is owned by XXXX XXXX XXXX XXXX XXXX  Mortgage Loan Asset Backed Certificates, Series 2006 AHL1. Purchased home in XX/XX/XXXX. Mortgage crisis and recession caused reduction in income as a small business owner. Got XXXX loan from XXXX  and XXXXXXXX loan from XXXX  to purchase a XXXX family home on less than one fourth acre of land. Interest rate was 7.99 ARM and XXXX  per month. Entered Forbearance Agreement with XXXX and paid XXXX, then paid XXXX for 5 months. Offered a loan mod with fixed 2 percent. XXXX   loan was charged off. Servicer XXXX XXXX XXXX increased 2 percent fixed to 7.99 ARM., charged late fees, and reported late payments and default to credit bureaus until XX/XX/XXXX when Nationstar became servicer. Nationstar refused to take payments to cure and charged late fees, inspection fees, etc. to increase costs. Nationstar threatened foreclosure unless enter into loan mod which required payment of XXXX, 2 percent interest only payments for two years then interest rate returns to 7.99 ARM. Requested rescission. Nationstar returned payments, forwarded a loan mod signed by an assistant secretary and instituted foreclosure. I questioned payment history. Four delinquent payments went to 10, then in one month increased to 51. The default grew with late charges, interest, attorney fees, inspection fees, etc. Foreclosure started. Filed bankruptcy to stop the sheriff sale. Nationstar appraised home at XXXX and provided credit score of XXXX  since XXXX, XXXX XXXX XXXX, Nationstar reporting delinquencies due to foreclosure actions since XX/XX/XXXX. Nationstar required trial payments at XXXX for 3 months before modification. Missed court due to Family emergency. Case dismissed so stopped payments until case was reinstated. Made up missed payments but Nationstar did not receive a payment before the end of the month so it rescinded the trial period plan under its standard modification program and said I defaulted. Nationstar told XXXX  it was going to offer XXXX as P and I payment but for the default. The court ordered application for mod under its loss mitigation program. I resubmitted application with XXXX 's help. In XX/XX/XXXX paid XXXX  for adequate protection payments until Court increased payment to XXXX a montMr. Cooper offered Trial Period Plan under Alternative Modification Program requiring three payments of XXXX before a permanent loan mod. Mr. Cooper reports interest bearing unpaid principal balance post mod is XXXX and will forebear XXXX. Payments are XXXX, home worth XXXX but owe XXXX.
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Unauthorized Inquiries on my personal credit report : 1.XXXX XXXX 2.XXXX 3.XXXX 4.XXXX 5.XXXX XXXX XXXX 6.XXXX XXXX XXXX.
7.XXXX  8XXXX XXXX XXXX XXXX 9.XXXX XXXX  10.XXXX XXXX 11XXXX XXXX 12XXXX 13XXXX XXXX 14.XXXX 15.XXXX XXXX
Consumer complaint received 2018-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (LA)

RE : Request for Investigation of Unauthorized Inquiries I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed several unauthorized inquiry had been made. 

I contacted the creditor, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I was informed from the creditor to dispute the hard inquire with the credit bureau. 

I request that you initiate an investigation into the below Hard Inquires listed from creditors I did not approve to inquire a hard inquire. I am requesting the following hard inquires be deleted from my credit report due to non authorized hard inquire. inquiry on my credit report to determine who authorized the inquiry. 

Please delete the following account due to non authorize hard inquire : Alert Date XX/XX/XXXX Company XXXX XXXX  XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX   XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Department & Variety Stores ( XXXX ) XXXX
Consumer complaint received 2018-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

RE : Request for Investigation of Unauthorized Inquiries I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed several unauthorized inquiry had been made. 

I contacted the creditor, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I was informed from the creditor to dispute the hard inquire with the credit bureau. 

I request that you initiate an investigation into the below Hard Inquires listed from creditors I did not approve to inquire a hard inquire. I am requesting the following hard inquires be deleted from my credit report due to non authorized hard inquire. inquiry on my credit report to determine who authorized the inquiry. 

Please delete the following account due to non authorize hard inquire : Alert Date XX/XX/XXXX Company XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX   XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Department & Variety Stores ( XXXX ) XXXX
Consumer complaint received 2017-09-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Our mortgage was through XXXX XXXX XXXX. XXXX sold our paper to NationStar. We received notice of the new name and address to send our payments to. As we were in bankruptcy at the time, we received no billing statements to show the amount due or credits being applied for 2 or more years. We had been paying {$1400.00} each month. Not once did they ever inform us that our payment amount was actually {$1400.00}. We had transposed a number and it was never corrected. Then in XX/XX/XXXX our bankruptcy attorney gets information that we are over {$5500.00} in arrears and that we had n't paid our mortgage since XX/XX/XXXX. We sent all the proof that we were paying our bills and every person and attorney that our attorney spoke with had a different explanation and amount that was due. Needless to say, we determined that it was the difference between the {$1400.00} and the {$1400.00} that had actually caused the shortages and brought our account 100 % current in XX/XX/XXXX. Now on XX/XX/XXXX we get 3 letters dated within 1 day of each other advising us that we are in arrears {$5200.00} which is money owed since XX/XX/XXXX. They are trying to steal our money and steal my home! They also claim that they are sending documents certified mail and they are not. No one signed for anything and it was delivered in an envelope with our regular mail. They are now calling themselves XXXX XXXX. They are threatening to foreclose on our property and we are not even 30 days late to them.