id stringlengths 12 31 | original_text stringlengths 177 4.78k | domain stringclasses 3
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consumer_complaints_grok_101 | My truck payment is due on the [XXXX] of each month. After [XXXX] days past due, they start calling. I answer, tell them when I'll pay, but then I get calls almost every day, [XXXX] times a day, asking the same thing. When I ask why they call so often, they claim it's automated computer dialing and they must maintain c... | consumer_complaints | ai | grok |
consumer_complaints_grok_102 | Four years ago, I was a visiting scholar in XXXX with a XXXX VISA account, which I closed upon leaving in XX/XX/XXXX. I recently returned to XXXX, but my current credit report from XXXX shows a bad debt status. When I contacted XXXX CARD, they said there was a $90.00 payment due on XX/XX/XXXX. How is this possible for ... | consumer_complaints | ai | grok |
consumer_complaints_grok_103 | I had completed XXXX months of IBR payments when I became unemployed. Navient placed me in an unemployment deferment. I recently learned from XXXX that this was incorrect—they should have kept me on IBR with $0.00 income so it would count toward my 25-year requirement—and that you're suing them for this practice affect... | consumer_complaints | ai | grok |
consumer_complaints_grok_104 | I redeemed CD ending in XXXX XXXX for $2,400.00, and USAA told me they would deposit it into my XXXX account on the XXXX. The funds never arrived. I've called USAA repeatedly, and now they claim it wasn't sent until the XXXX. Today is the XXXX, and there's still no money in my XXXX account. I requested interest on the ... | consumer_complaints | ai | grok |
consumer_complaints_grok_105 | I received a call from a place attempting to collect on an auto loan. When I answered, the collector didn't verify any of my information and immediately disclosed details about the past-due loan. I know this is not allowed. The number that keeps calling is XXXX. He told me the amount I owed, to whom I owed it, and how ... | consumer_complaints | ai | grok |
consumer_complaints_grok_106 | I'm getting repeated calls from people claiming to be from a law firm. They threaten to prosecute me for theft by misrepresentation unless I pay them right away, but they won't share any documents or evidence. They also warn about showing up at my workplace to serve papers to my boss. They claim it's related to Ace Cas... | consumer_complaints | ai | grok |
consumer_complaints_grok_107 | Before XXXX 2016, my TransUnion report showed no credit inquiries. I applied for a credit card and got denied due to too many inquiries. I later learned TransUnion had a glitch in their system, and as of XX/XX/2016, all those XXXX inquiries reappeared on my report. I called them, but they said there's nothing they coul... | consumer_complaints | ai | grok |
consumer_complaints_grok_108 | My name is XXXX XXXX. I enrolled with XXXX XXXX on XX/XX/XXXX for online courses, but after having a baby, I couldn't continue and called to cancel. I was never fully registered online. Now, as of XX/XX/XXXX, this account shows up on my credit report under investment retrievers, blocking my mortgage approval. I've disp... | consumer_complaints | ai | grok |
consumer_complaints_grok_109 | I was over 18 when I got listed as an occupant on the lease. I didn't live there the entire time—just dropped by occasionally and spent the night a few times. My aunt moved out, leaving a balance for one month's rent on my credit report. The credit agency claims that since I was over 18 when she left, I'm responsible f... | consumer_complaints | ai | grok |
consumer_complaints_grok_110 | For XXXX years, I've been trying to access my credit report, but it keeps asking questions that don't apply to me—like about car loans or mortgages, which I've never had or applied for. I answer "no" to them, but then it won't provide my credit score, claiming my info doesn't match my Social Security number. I'm at a l... | consumer_complaints | ai | grok |
consumer_complaints_grok_111 | I'm facing steep interest charges and qualified for a 0% interest balance transfer, but they won't let me pay with a credit card. I planned to have the card issuer mail them a check, but my account details don't list an account number—I've never gotten a card either—and they refuse to provide it over the phone. It does... | consumer_complaints | ai | grok |
consumer_complaints_grok_112 | In XX/XX/2015, I took out a $400 payday loan from XXXX. About two weeks later, I ran into financial trouble with other bills and couldn't repay it. To get assistance, I signed up with a debt validation company called XXXX, which mailed validation letters to XXXX to check if they were licensed to operate in Alabama. Sev... | consumer_complaints | ai | grok |
consumer_complaints_grok_113 | My issue is that I completed a loan modification a while back, and everything was okay until our interest rate began increasing—that's exactly why we needed the modification initially. We're on a fixed income, and my husband is disabled. I notified XXXX XXXX XXXX about this, yet now they're telling us to apply for yet ... | consumer_complaints | ai | grok |
consumer_complaints_grok_114 | On [date] XXXX, I experienced a XXXX and was placed on long-term XXXX. I haven't been able to work since. I've repeatedly informed Walmart and Synchrony Bank that I'm facing hardship and asked them not to call. They keep calling nonstop—I block their numbers, but they're extremely rude, using names of banks I don't eve... | consumer_complaints | ai | grok |
consumer_complaints_grok_115 | Altisource [XXXX XXXX XXXX] has stuck yet another inspection sticker on the front door of the house I've been squatting in for over 18 months! Last time, they cleared out everything inside, piled it in the middle of each room, and wrecked the front door lock too! Please issue a cease and desist against them since they'... | consumer_complaints | ai | grok |
consumer_complaints_grok_116 | I noticed that my mortgage payment check hadn't been cashed yet. I called today and talked to someone named XXXX, who said the payment is stuck at the XXXX post office because of a mail issue. She assured me not to worry—it's happening to others too—and they've waived the late fee due to the delay. This is for Flagstar... | consumer_complaints | ai | grok |
consumer_complaints_grok_117 | I received a letter containing incorrect details, such as my driver's license number, which was stolen or lost—the correct one is XXXX. It also lists a vehicle I've never owned. The address provided, XXXX XXXX XXXX, XXXX, SC, is wrong; I've never lived there. I also don't recognize the phone number (XXXX) XXXX. I have ... | consumer_complaints | ai | grok |
consumer_complaints_grok_118 | On [XX/XX/XXXX] (dated [XX/XX/XXXX]), I received a letter signed by [XXXX] from Chase Bank responding to my initial dispute letter about the credit inquiries on my [XXXX] and [XXXX] reports, dated [XX/XX/XXXX] and [XX/XX/XXXX], respectively. She claimed it was a valid inquiry that took place on [XX/XX/XXXX]. However, I... | consumer_complaints | ai | grok |
consumer_complaints_grok_119 | I have {$140000.00} in NJClass loans entering repayment on XX/XX/XXXX. Despite multiple requests to HESAA for assistance or relief, I've been informed there's no option available, and I must pay {$1700.00} monthly for the next XXXX years. This payment is unrealistic—I won't be able to afford basic living expenses like ... | consumer_complaints | ai | grok |
consumer_complaints_grok_120 | I've been receiving threatening calls on my work and personal phones, warning me about being taken to court. I contacted Advance America to learn who they sold my account to—they said it's First Financial (account # XXXX), but that company has no record of me. However, I'm making payments to a group called Attorney XXX... | consumer_complaints | ai | grok |
consumer_complaints_grok_121 | I visited the XXXX XXXX dealership in XXXX, Pennsylvania, and explicitly instructed the salesperson not to perform a hard credit inquiry. I didn't sign all the documents with them on X/XX/17. Despite my clear request for only a soft pull, the rep ran a hard inquiry on my credit anyway—and this wasn't the first incident... | consumer_complaints | ai | grok |
consumer_complaints_grok_122 | I always pay my Target Red Card in full on the due date each month—never late. Yet on XXXX XXXX, I was hit with a late fee. I submitted the payment on XXXX/XXXX/XXXX, which is my exact due date (the XXXX of every month). This is the third time they've charged me for paying on time. After making the online payment on XX... | consumer_complaints | ai | grok |
consumer_complaints_grok_123 | Good day!
I recently applied for mortgage approval to purchase a home and received a credit report from Experian showing me 60 days late on payments to XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX, plus another month in XX/XX/XXXX. This information is inaccurate—I was always current on my payments and never more than 30 day... | consumer_complaints | ai | grok |
consumer_complaints_grok_124 | I've reached out to all three credit bureaus via mail, online portals, and phone calls to challenge the inquiries appearing on my credit reports. I've also placed a fraud alert with each of them. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX XX/XX/XXXX XXXX... | consumer_complaints | ai | grok |
consumer_complaints_grok_125 | My payments are due, and they call me 3 times before noon every day—even after I tell them I'll call them back. They keep calling again and again and again. I also tell them I'll pay by a certain time or day, they say OK, and then they call me the same day anyway. I've received a total of XXXX calls in the last week fr... | consumer_complaints | ai | grok |
consumer_complaints_grok_126 | My employer gave me a gift card, but it lacked the activation code. When I called to get it activated, the representative requested a ton of my personal details—which was okay at first. Then she demanded my SSN, insisting it was required. I pointed out I'd never needed to share my Social Security number for a gift card... | consumer_complaints | ai | grok |
consumer_complaints_grok_127 | I was fixing my son's bike and his friends' bikes in the garage when an aggressive, rude guy confronted me right in front of the kids. I had no clue what he wanted until he shoved a paper in my face. I told him to get out, but he got even more hostile. Turns out it was a bill from the furniture store where my ex took a... | consumer_complaints | ai | grok |
consumer_complaints_grok_128 | A company claiming to be attorneys called me but refused to mail a validation notice so I could confirm it's my debt—they were extremely rude! They even added a new account to my credit report. How is any of this legal? They never verified it was my debt and wouldn't send anything in writing from the original creditor.... | consumer_complaints | ai | grok |
consumer_complaints_grok_129 | Hello, there's a state tax lien on my credit report that isn't mine—it belongs to my father, XXXX XXXX XXXX. My name is XXXX XXXX. I hired a credit repair company, and they sent XXXX letters, but it still hasn't been removed. They advised me to reach out to you for help. My Social Security number is XXXX, and my date o... | consumer_complaints | ai | grok |
consumer_complaints_grok_130 | An account from Target appears on my credit report, but it violated the Fair Credit Reporting Act. I retained FCRA attorney XXXX XXXX in New Jersey, sued Target and the credit bureaus, and prevailed. The settlement required them to remove the account from my report, yet it's still listed. I disputed it with the bureaus... | consumer_complaints | ai | grok |
consumer_complaints_grok_131 | I mailed a check to my Wells Fargo credit card company on XXXX XXXX to cover a bill due on XXXX XXXX. They say it didn't arrive until XXXX XXXX, so they hit me with a $15.00 late fee plus $5.00 in interest. I get that mail can be delayed sometimes, but not by more than two weeks from XXXX to XXXX. When I called custome... | consumer_complaints | ai | grok |
consumer_complaints_grok_132 | I took out a 72-month auto loan from Santander Consumer USA. After making a late payment, I noticed that when it was time to pay next, the late fee wasn't added to my regular payment amount. Instead, they held my principal payments aside and applied more of my money toward interest than principal. They say I have 5 mon... | consumer_complaints | ai | grok |
consumer_complaints_grok_133 | On [date], I applied for a Comenity Bank rewards card. Due to a fraud alert on my credit report, they ran additional verification, approved me, and sent the card. The same day I received and activated it, they shut down the account "for security reasons," but no one would explain the issue. I'm extremely frustrated—I o... | consumer_complaints | ai | grok |
consumer_complaints_grok_134 | I'm two weeks late on my loan payment with Insta Loan. Right after I missed the due date, they've been calling me nonstop—every day, sometimes up to three times a day. Now it's escalated to them showing up at my house and dropping off a letter. This is way too much. I already told them I'd pay once I have the money, an... | consumer_complaints | ai | grok |
consumer_complaints_grok_135 | Westlake Financial has listed an auto loan on my credit report that I never authorized or signed for—it actually belongs to my ex-fiancé, who had access to all my personal details. The dealership must have allowed him to add me as a co-signer without my consent. I contacted them, and they instructed me to file a disput... | consumer_complaints | ai | grok |
consumer_complaints_grok_136 | In XXXX/XXXX/2015, I refinanced my mortgage with another bank, and by law, they were required to refund my escrow balance within 30 days. I still haven't gotten it. Compounding the issue, they paid my flood insurance 30 days late, so now my homeowners insurance is due, along with my taxes. I simply need my escrow funds... | consumer_complaints | ai | grok |
consumer_complaints_grok_137 | I've repeatedly told this XXXX XXXX to stop harassing me, but she keeps it up. She's even calling my workplace. I specifically asked her not to on XXXX XXXX 2015, yet she called again on XXXX XXXX 2015. I made it clear I can't talk to her during work hours and have no interest in speaking with her whatsoever. When I tr... | consumer_complaints | ai | grok |
consumer_complaints_grok_138 | Portfolio Recovery Services calls me daily trying to collect on a Mastercard debt that isn't mine. Each time, they ask if the last four digits of my Social Security number are XXXX. I tell them no, but they either say they'll call back tomorrow or get rude before hanging up. This happens every single day. It's not my d... | consumer_complaints | ai | grok |
consumer_complaints_grok_139 | I applied to open an account with XXXX XXXX XXXX XXXX but was rejected. No explanation was provided; instead, I received a letter from XXXX XXXX XXXX about a prior account I held with USAA, which they closed without notifying me. Early Warning records show the account as closed with no outstanding balances at the time ... | consumer_complaints | ai | grok |
consumer_complaints_grok_140 | I've been receiving repeated calls from XXXX XXXX XXXX at my workplace. They contact both my personal cell after hours and my work phone every two hours. The caller's name is XXXX, and he has a foreign accent. I'm wary of settling my debt through this company. I informed XXXX not to reach me at work. I agreed to pay $2... | consumer_complaints | ai | grok |
consumer_complaints_grok_141 | He phoned me and began making threats. He demanded to know why I hadn't paid since May, and when I explained I wasn't working, he called me a [XXXX]. He went on to say I'd never get credit again and that as a [XXXX XXXX XXXX], I couldn't even manage a simple bill he could handle himself. He labeled me a bum and disresp... | consumer_complaints | ai | grok |
consumer_complaints_grok_142 | I got a call from XXXX at Michael Andrews & Associates LLC. After I explained that we hadn't received any mail about it and were unaware of any debt collection, he insisted on setting up a payment plan right away. When I said I couldn't do it now, he threatened wage garnishment and said I'd end up paying more than his ... | consumer_complaints | ai | grok |
consumer_complaints_grok_143 | I was a customer at Conn's Appliances and purchased insurance add-on coverage, paying extra for protection against job loss or similar issues on my secured loan. When I lost my job, I contacted them, and they advised me to either refinance for lower payments or file an insurance claim to close the account. I wasn't inf... | consumer_complaints | ai | grok |
consumer_complaints_grok_144 | I got slapped with a $XXXX late fee because my $XXXX minimum payment wasn't received on XXXX XXXX XXXX XXXX. My bank (XXXX XXXX) was closed that day, so it processed the pre-scheduled payment the next business day, XX/XX/XXXX. But Slate credit card (J.P. Morgan) claims I should've called to pay by phone instead! They t... | consumer_complaints | ai | grok |
consumer_complaints_grok_145 | I accidentally missed a credit card payment because of a glitch with my bank's bill pay system. I paid the full amount 10 days late. When I called the credit card issuer to resolve it and possibly waive the fee, they refused, insisting the $XXXX late fee would stick. I told them I'd close the account, and they dangled ... | consumer_complaints | ai | grok |
consumer_complaints_grok_146 | On XX/XX/XXXX, Enhanced Recovery listed an account from XXXX on my credit report. I contacted them and spoke with a representative, who said it was an XXXX account dated XX/XX/XXXX. I explained that I never had an account with XXXX. I then called XXXX directly on XX/XX/XXXX, and they confirmed I have no account with th... | consumer_complaints | ai | grok |
consumer_complaints_grok_147 | I tried applying for a credit card at XXXX XXXX to get an extra 20% discount on my purchase. The sales associate assured me it was just a soft inquiry and wouldn't appear on my credit report if I wasn't approved. But when I checked my credit report, it showed up as a hard inquiry, contrary to what he said. I wouldn't h... | consumer_complaints | ai | grok |
consumer_complaints_grok_148 | I'm behind on my bill because my husband was recently laid off. I already explained the situation to one of their reps and said I'd call back once it was 15 days overdue, but they're still blowing up my phone every 30 minutes to an hour. When I finally picked up and reminded them of our prior talk, the guy got rude, so... | consumer_complaints | ai | grok |
consumer_complaints_grok_149 | I'm a Rushcard customer unable to log into my account. I had XXXX dollars in there prior to my direct deposit hitting, but my balance is still showing XXXX. Every time I call the support line, I'm stuck on hold for over an hour, and when an agent finally picks up, they refuse to give me any details on my account. Right... | consumer_complaints | ai | grok |
consumer_complaints_grok_150 | I'm a RushCard user, and about two weeks ago, a glitch hit their system after a tech upgrade. It blocked me from accessing my direct deposit funds, which were due the previous day. I couldn't get hold of anyone at RushCard for days—and still can't today.
As a result, my bills went unpaid, and now I'm scrambling to cov... | consumer_complaints | ai | grok |
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