{"took":194,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":20275,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11849845","_score":9.714048,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I am mentally XXXX and another individual that is mentally XXXX at which I didn't know at the time of signing the paperwork for the vehicle is mentally XXXX. I didn't know we were signing up for a vehicle loan and I didn't know the individual is mentally XXXX at the signing. I never could afford or pay for the loan. I am illiterate and have a learning XXXX. If I knew we were signing up for a vehicle loan I wouldn't have did it with any individual. Now it's affecting my credit score and stopping me from getting a vehicle and a vehicle loan which I knew no knowledge of.","date_sent_to_company":"2025-01-30T16:30:59.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Loan","zip_code":"398XX","tags":null,"has_narrative":true,"complaint_id":"11849845","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"United PanAm Financial Corp.","date_received":"2025-01-30T16:17:20.000Z","state":"GA","company_public_response":null,"sub_issue":"Problem with paying off the loan"},"highlight":{"complaint_what_happened":["I am <em>mentally</em> XXXX and another individual that is <em>mentally</em> XXXX at which I didn't know at the time of signing the paperwork for the vehicle is <em>mentally</em> XXXX. I didn't know we were signing up for a vehicle loan and I didn't know the individual is <em>mentally</em> XXXX at the signing. I never could afford or pay for the loan. I am illiterate and have a learning XXXX. If I knew we were signing up for a vehicle loan I wouldn't have did it with any individual."]},"sort":[9.714048,"11849845"]},{"_index":"complaint-public-v1","_id":"3168480","_score":9.586627,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"It's Fraud and should be handled as fraud for the inaccurate 's which are all the hard and soft inquires I haven't applied for any application 's so all of the hard and soft inquires are fraudulently on my XXXX and TransUnion and XXXX Credit Reports by my mentally XXXX adult son who applied for application 's which cause buniesses to do hard and soft inquires all are of his fraudulently applying on application as me my mentally XXXX son mental XXXX hurts his reasoning and judgement he doesn't know due to his mental XXXX that my name and social security number and my XXXX  and TransUnion and XXXX   credit scores are my own and only for my use due to his mental XXXX hurting his reasoning and judgement I don't want to pursue criminal charges or law enforcement presents on the matter of fraud of the fraudulent use of my name and social security number and my XXXX and TransUnion and XXXX credit report and scores","date_sent_to_company":"2019-03-04T16:20:17.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32244","tags":"Older American","has_narrative":true,"complaint_id":"3168480","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-03-04T16:20:13.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["It's Fraud and should be handled as fraud for the inaccurate 's which are all the hard and soft inquires I haven't applied for any application 's so all of the hard and soft inquires are fraudulently on my XXXX and TransUnion and XXXX Credit Reports by my <em>mentally</em> XXXX adult son who applied for application 's which cause buniesses to do hard and soft inquires all are of his fraudulently applying on application as me my <em>mentally</em> XXXX son <em>mental</em> XXXX hurts his reasoning and judgement he doesn't know"]},"sort":[9.586627,"3168480"]},{"_index":"complaint-public-v1","_id":"3168079","_score":9.299658,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"It's fraud the inaccurate 's on my credit report which are the hard and soft inquires the which are due to my mentally XXXX adult son had applied for loans and credit cards using my social security number associated with my XXXX, XXXX, XXXX credit scores and credit reports my mentally XXXX adult son and the mental XXXX hurts his reasoning and he doesn't know that my social security number and credit scores are my own that XXXX why I haven't pursued criminal charges or law enforcement presents in the fraud situation","date_sent_to_company":"2019-03-03T20:31:13.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32244","tags":"Older American","has_narrative":true,"complaint_id":"3168079","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Clarity Services","date_received":"2019-03-03T19:02:07.000Z","state":"FL","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["It's fraud the inaccurate 's on my credit report which are the hard and soft inquires the which are due to my <em>mentally</em> XXXX adult son had applied for loans and credit cards using my social security number associated with my XXXX, XXXX, XXXX credit scores and credit reports my <em>mentally</em> XXXX adult son and the <em>mental</em> XXXX hurts his reasoning and he doesn't know that my social security number and credit scores are my own that XXXX why I haven't pursued criminal charges or law enforcement presents in"]},"sort":[9.299658,"3168079"]},{"_index":"complaint-public-v1","_id":"22228813","_score":9.24465,"_source":{"product":"Debt collection","complaint_what_happened":"Im getting harassed about a vehicle that I no longer have. Havent had the car in over three years. Its affecting me mentally and taken a toll in my life through different avenues such as socially, financially, and mental. Please contact said persons to make them stop.","date_sent_to_company":"2026-05-15T02:17:04.000Z","issue":"Communication tactics","sub_product":"Auto debt","zip_code":"28328","tags":null,"has_narrative":true,"complaint_id":"22228813","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SANTANDER HOLDINGS USA, INC.","date_received":"2026-05-15T01:56:53.000Z","state":"NC","company_public_response":null,"sub_issue":"Frequent or repeated calls"},"highlight":{"complaint_what_happened":["Its affecting me <em>mentally</em> and taken a toll in my life through different avenues such as socially, financially, and <em>mental</em>. Please contact said persons to make them stop."]},"sort":[9.24465,"22228813"]},{"_index":"complaint-public-v1","_id":"7562407","_score":9.22624,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"In XX/XX/2019, I was not in the right mental state and, subsequently, was admitted to a mental health facility. It was during this time that I obtained the loan from OneMain Financial. I was advised by a representative from your company that obtaining this loan would help build my credit. However, I was also coerced into purchasing additional insurance as a precautionary measure. \n\nAs a result of the XXXX XXXX I faced significant challenges in paying off the loan, as I was unable to work due to my mental health condition. I was informed that I needed to be collecting unemployment to qualify for the insurance coverage that would assist in paying the monthly bill. This placed me in a precarious financial situation, compounded by the fact that I was also undergoing outpatient treatment for my mental health. \n\nIt has come to my attention that the CFPB has issued an order against OneMain Financial for deceptive sales practices and failure to refund interest charges to customers. This order highlights the unethical practices that were employed during my interaction with your company.","date_sent_to_company":"2023-09-17T23:11:50.000Z","issue":"Problem with additional add-on products or services","sub_product":"Personal line of credit","zip_code":"08822","tags":null,"has_narrative":true,"complaint_id":"7562407","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"OneMain Finance Corporation","date_received":"2023-09-17T23:02:51.000Z","state":"NJ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["In XX/XX/2019, I was not in the right <em>mental</em> state and, subsequently, was admitted to a <em>mental</em> health facility. It was during this time that I obtained the loan from OneMain Financial. I was advised by a representative from your company that obtaining this loan would help build my credit. However, I was also coerced into purchasing additional insurance as a precautionary measure."]},"sort":[9.22624,"7562407"]},{"_index":"complaint-public-v1","_id":"3168275","_score":9.204882,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"It's fraud the inaccurate 's on my XXXX, XXXX, XXXX Credit reports which are the hard and soft inquires they where done in fraud by my mentally XXXX adult son who XXXX hurts his reasoning and judgement he doesn't know that my name and my social security number is for my use only due to his mental XXXX hurting his reasoning and judgement that why I don't want to pursue criminal charges or law enforcement presents in the fraud matter of my mentally XXXX adult son applying for loans and credit cards in fraud which lead to the inaccurate 's which are the hard and soft inquires","date_sent_to_company":"2019-03-04T06:42:02.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32244","tags":"Older American","has_narrative":true,"complaint_id":"3168275","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2019-03-04T01:41:58.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["It's fraud the inaccurate 's on my XXXX, XXXX, XXXX Credit reports which are the hard and soft inquires they where done in fraud by my <em>mentally</em> XXXX adult son who XXXX hurts his reasoning and judgement he doesn't know that my name and my social security number is for my use only due to his <em>mental</em> XXXX hurting his reasoning and judgement that why I don't want to pursue criminal charges or law enforcement presents in the fraud matter of my <em>mentally</em> XXXX adult son applying for loans and credit cards"]},"sort":[9.204882,"3168275"]},{"_index":"complaint-public-v1","_id":"13327472","_score":9.204882,"_source":{"product":"Debt collection","complaint_what_happened":"A medical center charged my insurance over XXXX on an INVOLUNTARY stay at their mental clinic. My insurance covered most of it and the mental clinic sold the remaining balance to americollect. They charged me almost XXXX for involuntary stay and they did not provide an adequate service to earn XXXX dollars. Not only that but I was XXXX at the mental clinic because they couldnt control their patients and one of them assaulted me. So now on top of that was XXXX  at XXXX dollars and a lawyer also around that amount. I refuse to pay this and americollect keep harassing me with phone calls and reporting it and destroying my credit score which shouldnt happen since XXXX passed a law or bill on it.","date_sent_to_company":"2025-05-04T23:51:43.000Z","issue":"Communication tactics","sub_product":"Medical debt","zip_code":"30093","tags":null,"has_narrative":true,"complaint_id":"13327472","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AmeriCollect","date_received":"2025-05-04T23:34:43.000Z","state":"GA","company_public_response":null,"sub_issue":"Frequent or repeated calls"},"highlight":{"complaint_what_happened":["A medical center charged my insurance over XXXX on an INVOLUNTARY stay at their <em>mental</em> clinic. My insurance covered most of it and the <em>mental</em> clinic sold the remaining balance to americollect. They charged me almost XXXX for involuntary stay and they did not provide an adequate service to earn XXXX dollars. Not only that but I was XXXX at the <em>mental</em> clinic because they couldnt control their patients and one of them assaulted me."]},"sort":[9.204882,"13327472"]},{"_index":"complaint-public-v1","_id":"15397290","_score":9.187453,"_source":{"product":"Debt collection","complaint_what_happened":"I have received XXXX calls per day every week for a past due car payment. I am currently on XXXX for XXXX XXXX  issues and the stress imposed by the creditor has affected my mental health. The frequent calls and voicemails are harassing and damaging to my mental health","date_sent_to_company":"2025-08-21T01:53:55.000Z","issue":"Communication tactics","sub_product":"Auto debt","zip_code":"78130","tags":null,"has_narrative":true,"complaint_id":"15397290","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"General Motors Financial Company, Inc.","date_received":"2025-08-21T01:44:35.000Z","state":"TX","company_public_response":null,"sub_issue":"Frequent or repeated calls"},"highlight":{"complaint_what_happened":["I am currently on XXXX for XXXX XXXX  issues and the stress imposed by the creditor has affected my <em>mental</em> health. The frequent calls and voicemails are harassing and damaging to my <em>mental</em> health"]},"sort":[9.187453,"15397290"]},{"_index":"complaint-public-v1","_id":"4453947","_score":9.072816,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"After extensive review of credit report after a prior divorce from a fudiciary noticed this account, and have/had no clear recognition of this account/transaction or any of the kind or similar by this company or affiliates. I have tried contacting them on several occasions to inform them of mental status of mental incompetence and my legal inability of not being able to manage his/her own finances or contract in accordance with 38 CFR 3.353. After calling their customer service number multiple times and disputing the validity of the account all that would be done is more negative marks on credit report and harassment from the customer service representatives that were doing nothing to assist and only making accusations of false claims of mental status from military service related injuries and medical related issues.","date_sent_to_company":"2021-06-12T04:18:39.000Z","issue":"Other features, terms, or problems","sub_product":"Store credit card","zip_code":"460XX","tags":"Servicemember","has_narrative":true,"complaint_id":"4453947","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2021-06-12T00:14:05.000Z","state":"IN","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["I have tried contacting them on several occasions to inform them of <em>mental</em> status of <em>mental</em> incompetence and my legal inability of not being able to manage his/her own finances or contract in accordance with 38 CFR 3.353."]},"sort":[9.072816,"4453947"]},{"_index":"complaint-public-v1","_id":"4453819","_score":9.051172,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"After extensive review of credit report after a prior divorce from a fudiciary noticed this account, and have/had no clear recognition of this account/transaction or any of the kind or similar by this company or affiliates. I have tried contacting them on several occasions to inform them of mental status of mental incompetence and my legal inability of not being able to manage his/her own finances or contract in accordance with 38 CFR 3.353. After calling their customer service number multiple times and disputing the validity of the account all that would be done is more negative marks on credit report and harassment from the customer service representatives that were doing nothing to assist and only making accusations of false claims of mental status from military service related injuries and medical related issues.","date_sent_to_company":"2021-06-11T23:25:17.000Z","issue":"Other features, terms, or problems","sub_product":"Store credit card","zip_code":"460XX","tags":"Servicemember","has_narrative":true,"complaint_id":"4453819","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2021-06-11T22:59:49.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["I have tried contacting them on several occasions to inform them of <em>mental</em> status of <em>mental</em> incompetence and my legal inability of not being able to manage his/her own finances or contract in accordance with 38 CFR 3.353."]},"sort":[9.051172,"4453819"]},{"_index":"complaint-public-v1","_id":"2905226","_score":9.051172,"_source":{"product":"Debt collection","complaint_what_happened":"A company named XXXX XXXX, XXXX from XXXX That went out off business for falsely billing XXXX and was raided by the XXXX. Has a Company Called Alpha Recovery there address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Phone number XXXX. They are trying to collect {$1400.00} Saying that a mental heath doctor ordered Labs. I called the mental health doctor and they said they never order labs for me and they don't ever order lab work he is a mental health councilor. \n\nHere is a Link backing up my information its a story of how and what happened at confirmatrix XXXX XXXX XXXX -- XXXX And here is a link to some one else having the same problem with the same company XXXX XXXX XXXX XXXXXXXX","date_sent_to_company":"2018-05-14T05:51:30.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"34997","tags":null,"has_narrative":true,"complaint_id":"2905226","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Alpha Recovery Corp","date_received":"2018-05-14T00:57:31.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["They are trying to collect {$1400.00} Saying that a <em>mental</em> heath doctor ordered Labs. I called the <em>mental</em> health doctor and they said they never order labs for me and they don't ever order lab work he is a <em>mental</em> health councilor. \n\nHere is a Link backing up my information its a story of how and what happened at confirmatrix XXXX XXXX XXXX -- XXXX And here is a link to some one else having the same problem with the same company XXXX XXXX XXXX XXXXXXXX"]},"sort":[9.051172,"2905226"]},{"_index":"complaint-public-v1","_id":"5954538","_score":8.998692,"_source":{"product":"Debt collection","complaint_what_happened":"I have received repeated calls and mail from XXXX XXXX XXXX XXXX  to collect an alleged debt from Bank of America. The company has made numerous calls before giving me a chance to dispute the debt. I have written to them by certified mail to inform them to communicate with me via US Postal Services ONLY. I have requested all related Bank of America documents to review the alleged debt that XXXX XXXX XXXX XXXX  is trying to collect. These actions are causing me severe mental distress. \n\nPreviously to receiving communications from XXXX & XXXX XXXX, Bank of America made several phones per day to harass and cause mental distress. They intentionally contacted people who they thought knew me. All of these actions by both companies are mental terrorism.","date_sent_to_company":"2022-09-06T15:18:14.000Z","issue":"Communication tactics","sub_product":"Credit card debt","zip_code":"30349","tags":null,"has_narrative":true,"complaint_id":"5954538","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2022-09-06T15:18:11.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Frequent or repeated calls"},"highlight":{"complaint_what_happened":["These actions are causing me severe <em>mental</em> distress. \n\nPreviously to receiving communications from XXXX & XXXX XXXX, Bank of America made several phones per day to harass and cause <em>mental</em> distress. They intentionally contacted people who they thought knew me. All of these actions by both companies are <em>mental</em> terrorism."]},"sort":[8.998692,"5954538"]},{"_index":"complaint-public-v1","_id":"5955209","_score":8.983952,"_source":{"product":"Debt collection","complaint_what_happened":"I have received repeated calls and mail from D & A Services to collect an alleged debt from XXXX XXXX XXXXXXXX. The company has made numerous calls before giving me a chance to dispute the debt. I have written to them by certified mail to inform them to communicate with me via US Postal Services ONLY. I have requested all related XXXX XXXX XXXXXXXX documents to review the alleged debt that D & A Services is trying to collect. These actions are causing me severe mental distress. \n\nPreviously to receiving communications from D & A Services, XXXX XXXX XXXXXXXX made several phones per day to harass and cause mental distress. They intentionally contacted people who they thought knew me. All of these actions by both companies are mental terrorism.","date_sent_to_company":"2022-09-06T15:18:04.000Z","issue":"Communication tactics","sub_product":"Credit card debt","zip_code":"30349","tags":null,"has_narrative":true,"complaint_id":"5955209","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"D&A Services, LLC","date_received":"2022-09-06T13:59:10.000Z","state":"GA","company_public_response":null,"sub_issue":"Frequent or repeated calls"},"highlight":{"complaint_what_happened":["These actions are causing me severe <em>mental</em> distress. \n\nPreviously to receiving communications from D & A Services, XXXX XXXX XXXXXXXX made several phones per day to harass and cause <em>mental</em> distress. They intentionally contacted people who they thought knew me. All of these actions by both companies are <em>mental</em> terrorism."]},"sort":[8.983952,"5955209"]},{"_index":"complaint-public-v1","_id":"13497868","_score":8.877416,"_source":{"product":"Mortgage","complaint_what_happened":"Today XX/XX/year> again escrow is charging me around {$300.00} to my mortgage payment. I am so desperate over and over they do this. My mental health is all over thinking I will be homeless. Why are they doing this if twice they have agreed to spread the back taxes over XXXX mos. \nPlease stop this mortgage company playing with homeowners mental status, playing mind games with me!!! Make them stop! \nThey need to hold to there word, just stop! \nI am still waiting for them to accept my payments, another claim I have open with them. I feel they are against me, never communicating or working with me! Over and over I am challenged to see if I lose my home. Please help me, Phh is taking advantage of me and harming my mental status!","date_sent_to_company":"2025-05-13T17:18:04.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"33177","tags":"Older American","has_narrative":true,"complaint_id":"13497868","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2025-05-13T17:04:42.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"An existing modification, forbearance plan, short sale, or other loss mitigation relief"},"highlight":{"complaint_what_happened":["Please help me, Phh is taking advantage of me and harming my <em>mental</em> status!"]},"sort":[8.877416,"13497868"]},{"_index":"complaint-public-v1","_id":"7631710","_score":8.819822,"_source":{"product":"Student loan","complaint_what_happened":"The student loan debt has caused a mental health strain on me entirety. The amounts being required to pay within an increment of time has made me feel without understanding or unheard of the reality of me. I noticed the the company continues to send emails as the supposable date to pay is in the next few weeks. This is all overwhelming as the there may even be a possible shut down, and this is more pressure on my mental and emotional state as well as my spiritual practices.","date_sent_to_company":"2023-09-29T01:15:30.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"43229","tags":null,"has_narrative":true,"complaint_id":"7631710","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EdFinancial Services","date_received":"2023-09-29T00:50:56.000Z","state":"OH","company_public_response":null,"sub_issue":"Can't temporarily delay making payments"},"highlight":{"complaint_what_happened":["The student loan debt has caused a <em>mental</em> health strain on me entirety. The amounts being required to pay within an increment of time has made me feel without understanding or unheard of the reality of me. I noticed the the company continues to send emails as the supposable date to pay is in the next few weeks. This is all overwhelming as the there may even be a possible shut down, and this is more pressure on my <em>mental</em> and emotional state as well as my spiritual practices."]},"sort":[8.819822,"7631710"]},{"_index":"complaint-public-v1","_id":"4758270","_score":8.819822,"_source":{"product":"Debt collection","complaint_what_happened":"Sunset Finance, XXXX, GA is continually calling me and my sister 's number ( XXXX ) XXXX. I have retained a credit repayment firm, and they received notice, but they continual to call. I am XXXX and the calls to me and my sister are causing a mental health strain. \n\nPlease intervene for me. I am a XXXX veteran with mental and medical issues I have power of attorney with XXXX XXXX XXXX firm.","date_sent_to_company":"2021-09-27T20:30:08.000Z","issue":"Communication tactics","sub_product":"I do not know","zip_code":"30909","tags":"Servicemember","has_narrative":true,"complaint_id":"4758270","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Sunset Management, Inc","date_received":"2021-09-27T20:15:55.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"You told them to stop contacting you, but they keep trying"},"highlight":{"complaint_what_happened":["I am XXXX and the calls to me and my sister are causing a <em>mental</em> health strain. \n\nPlease intervene for me. I am a XXXX veteran with <em>mental</em> and medical issues I have power of attorney with XXXX XXXX XXXX firm."]},"sort":[8.819822,"4758270"]},{"_index":"complaint-public-v1","_id":"5215568","_score":8.815172,"_source":{"product":"Debt collection","complaint_what_happened":"Very upsetting I work for XXXX and have been suffering mental and physical anguish, our local non profit Medical company XXXX have been sending debt I was unable to pay on to A ) XXXX XXXX services which Is their own company and B ) Vanguard Financiancial services These are counting against my credit score! \nI has a total mental breakdown last XXXX and am under a huge amount of stress from so many directions","date_sent_to_company":"2022-02-13T07:31:09.000Z","issue":"Communication tactics","sub_product":"Medical debt","zip_code":"240XX","tags":null,"has_narrative":true,"complaint_id":"5215568","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Vanguard Financial Services, Inc.","date_received":"2022-02-13T00:51:21.000Z","state":"VA","company_public_response":null,"sub_issue":"You told them to stop contacting you, but they keep trying"},"highlight":{"complaint_what_happened":["Very upsetting I work for XXXX and have been suffering <em>mental</em> and physical anguish, our local non profit Medical company XXXX have been sending debt I was unable to pay on to A ) XXXX XXXX services which Is their own company and B ) Vanguard Financiancial services These are counting against my credit score! \nI has a total <em>mental</em> breakdown last XXXX and am under a huge amount of stress from so many directions"]},"sort":[8.815172,"5215568"]},{"_index":"complaint-public-v1","_id":"14124133","_score":8.768419,"_source":{"product":"Credit card","complaint_what_happened":"HIPPA Privacy Clarification-Mental Health This is not a new complaint, but a privacy clarification tied to my previously submitted documentation. \n\nOn XX/XX/year>, I submitted a document to the CFPB ( XX/XX/XXXX Case XXXX ) to validate that I have mental health diagnoses. At the time, it was the only documentation I had access to that could substantiate the emotional and psychological impact described throughout my complaints. The document had originally been intended for an unrelated accommodations process, and was submitted in this case solely because no other supporting records were available to me at that particular time. \n\nI want to clarify that I hope to receive treatment soon, but I have been out of treatment for more time than is ideal. I have also not signed any release of information. Due to the highly sensitive and personally distressing nature of my mental health history especially given the trauma associated with this case I respectfully request that my mental health provider not be contacted. I am invoking my rights under HIPAA ( the Health Insurance Portability and Accountability Act ) to request full confidentiality regarding mental healthrelated care and communications. \n\nI understand that Ive shared other medical records related to physical health ( e.g., XXXX, XXXX XXXX ). I am not invoking privacy over those records and do not object to reasonable review of those materials. \n\nThis submission is being made now to avoid confusion, protect my privacy, and ensure no unauthorized contact is made. \n\nI recognize there has been numerous updates, and I hope this to be the last one. Thank you. Im doing my best to be transparent while also navigating confusion about whether there is a need for multiple submissions. I believe this submission should provide full background on the case now so it can be fully reviewed.","date_sent_to_company":"2025-06-18T00:04:23.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"60517","tags":null,"has_narrative":true,"complaint_id":"14124133","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-06-17T23:36:05.000Z","state":"IL","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Due to the highly sensitive and personally distressing nature of my <em>mental</em> health history especially given the trauma associated with this case I respectfully request that my <em>mental</em> health provider not be contacted. I am invoking my rights under HIPAA ( the Health Insurance Portability and Accountability Act ) to request full confidentiality regarding <em>mental</em> healthrelated care and communications."]},"sort":[8.768419,"14124133"]},{"_index":"complaint-public-v1","_id":"2470299","_score":8.724541,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"My wife is a surviving of a   XXXX   XXXX   XXXX   and she has no ability to make decisions on credit, nor does she have an income. I recently discovered that she had a balance of $  XXXX  with Citi and I wrote them the following letter. I think they are a predatory lender, preying on the mentally  XXXX  by offering them credit cards that have no hope of being repaid.     The following letter explains the whole situation.     **********************   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , SD  XXXX  Dear Citibank, It has come to my attention that your company issued a credit card and extended credit to my wife,  XXXX   XXXX . Her card number ending in  XXXX .     Her contact details are ;  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX , CA  XXXX  This is an unfortunate situation as my wife has no mental capacity to contract with you for a lending product, especially a credit card.     In  XXXX , my wife  XXXX  fell out of a third story window in  XXXX   XXXX , and suffered life threatening injuries, including a  XXXX  (  XXXX   XXXX   XXXX  ), and mentally she has no capacity to enter into legal contracts.      One matter that concerns is that she has no material income, s o I am curious how you could have possibly underwritten her for a card. There are many technologies for verifying income, such as  XXXX   XXXX   XXXX  offered by  XXXX , the ability to review bank account details for obvious paycheck deposits, or as a last resort manually verifying paystubs. You not only contracted with someone without the required mental capacity, but you contracted with someone with no income. This does not meet the definition of responsible lending practices, and regulators will view this as the practice of a predatory lender, preying on the mentally  XXXX .     I feel very strongly that you have taken unreasonable advantage of a mentally  XXXX  person, while earning a great deal of interest, and I will be reporting this to both the CFPB and the California Department  of Financial Institutions as this is frankly unsettling and outsid e reasonable lending practices.     I will give you the benefit of the doubt that this is a clerical oversight, and if you provide documentation releasing her from these obligations, I will not report your organization to the CFPB and   XXXX   XXXX  . If this matter proceeds in a negative manner, I will be hiring legal representation for my wife and reporting your bank to the regulators mentioned.        XXXX ,  XXXX   XXXX , husband of  XXXX   XXXX","date_sent_to_company":"2017-04-28T21:04:44.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"945XX","tags":null,"has_narrative":true,"complaint_id":"2470299","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2017-04-28T20:27:55.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card opened as result of identity theft or fraud"},"highlight":{"complaint_what_happened":["You not only contracted with someone without the required <em>mental</em> capacity, but you contracted with someone with no income. This does not meet the definition of responsible lending practices, and regulators will view this as the practice of a predatory lender, preying on the <em>mentally</em>  XXXX ."]},"sort":[8.724541,"2470299"]},{"_index":"complaint-public-v1","_id":"14911290","_score":8.70373,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Asking to remove in accurate items on credit report. No copy of validated report / or 1099C nor contracts allowing oblivious remarks on my report. Feeling overwhelmed and stressed by credit report issues is a common and understandable response, as there's a strong link between financial concerns and mental well-being. It unfair businesses practice. Mental illnesses often involve persistent patterns of thoughts, feelings, and behaviors that significantly impact daily life, while overreactions are usually temporary and loss due to hardship","date_sent_to_company":"2025-07-27T15:44:57.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77070","tags":"Servicemember","has_narrative":true,"complaint_id":"14911290","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-27T15:24:37.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Feeling overwhelmed and stressed by credit report issues is a common and understandable response, as there's a strong link between financial concerns and <em>mental</em> well-being. It unfair businesses practice. <em>Mental</em> illnesses often involve persistent patterns of thoughts, feelings, and behaviors that significantly impact daily life, while overreactions are usually temporary and loss due to hardship"]},"sort":[8.70373,"14911290"]},{"_index":"complaint-public-v1","_id":"8037657","_score":8.684885,"_source":{"product":"Debt collection","complaint_what_happened":"The relentless presence of these fraudulent accounts is not only an inconvenience but a severe violation of my financial security and mental well-being. I was the victim and Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. I have taken all necessary steps to report and address these incidents of identity theft, yet the continued inclusion of fraudulent accounts on my credit report is exacerbating the distress caused by the initial breach. The continuous inclusion of these unauthorized accounts is not only irritating but is causing significant distress to my mental health. I can not comprehend why the bureau persists in allowing fraudulent accounts to tarnish my credit report. \nXXXX XXXXXXXX XXXX PLEASE DELETE!!!! \nXXXX XXXXXXXX XXXX PLEASE DELETE!!!! \nI am well aware of my rights under the Fair Credit Reporting Act ( FCRA ) and expect your bureau to adhere to the highest standards of accuracy and security. The current state of my credit report is not only unacceptable but poses a direct threat to my financial stability and mental health.","date_sent_to_company":"2023-12-20T06:45:08.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"90405","tags":null,"has_narrative":true,"complaint_id":"8037657","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-12-20T06:04:30.000Z","state":"CA","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["The current state of my credit report is not only unacceptable but poses a direct threat to my financial stability and <em>mental</em> health."]},"sort":[8.684885,"8037657"]},{"_index":"complaint-public-v1","_id":"14910756","_score":8.682937,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Asking to remove in accurate items on credit report. No copy of validated report / or 1099C nor contracts allowing oblivious remarks on my report. Feeling overwhelmed and stressed by credit report issues is a common and understandable response, as there's a strong link between financial concerns and mental well-being. It unfair businesses practice. Mental illnesses often involve persistent patterns of thoughts, feelings, and behaviors that significantly impact daily life, while overreactions are usually temporary and loss due to hardship","date_sent_to_company":"2025-07-27T15:44:57.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77070","tags":"Servicemember","has_narrative":true,"complaint_id":"14910756","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-27T15:44:34.000Z","state":"TX","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Feeling overwhelmed and stressed by credit report issues is a common and understandable response, as there's a strong link between financial concerns and <em>mental</em> well-being. It unfair businesses practice. <em>Mental</em> illnesses often involve persistent patterns of thoughts, feelings, and behaviors that significantly impact daily life, while overreactions are usually temporary and loss due to hardship"]},"sort":[8.682937,"14910756"]},{"_index":"complaint-public-v1","_id":"7552888","_score":8.661875,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I applied for credit cards and other loans that I was told by Credit Karma that I was already pre-approved for back in XX/XX/XXXX and XX/XX/XXXX. This cause my credit score to take a significant drop and I denied for home, car and even school loans. This affected me mentally to the point I had to seek help from my mental health specialist and I spend years correcting this mistake. I filed complaints with the FTC and the XXXX for these companies who have hard inquires on my report.","date_sent_to_company":"2023-09-14T16:13:38.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"19446","tags":"Servicemember","has_narrative":true,"complaint_id":"7552888","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Credit Karma, LLC","date_received":"2023-09-14T15:58:02.000Z","state":"PA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This affected me <em>mentally</em> to the point I had to seek help from my <em>mental</em> health specialist and I spend years correcting this mistake. I filed complaints with the FTC and the XXXX for these companies who have hard inquires on my report."]},"sort":[8.661875,"7552888"]},{"_index":"complaint-public-v1","_id":"7835426","_score":8.653777,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have spent approximately XXXX hours diligently attempting to correct the errors on my credit report, in compliance with the FCRA. Unfortunately, these errors have caused significant distress and financial damage, violating my rights as outlined by the FCRA.\n\nThe consequences of these errors include but are not limited to : 1. Loss of housing opportunities : The inaccuracies on my credit report have resulted in the denial of housing opportunities, depriving me of suitable housing options. This violation of my rights under the FCRA has caused financial hardship, emotional distress, and mental anguish.\n\n2. Emotional stress and mental anguish : The ongoing struggle to rectify the inaccuracies on my credit report, despite my diligent efforts, has caused substantial emotional stress and mental anguish, infringing upon my rights under the FCRA.\n\nDespite multiple attempts to rectify this matter, such as sending letters to the Federal Trade Commission ( FTC ) and submitting dispute letters to CAPITAL ONE, no substantial action has been taken to correct the inaccuracies and remove the fraudulent accounts from my credit report, as mandated by the FCRA.\n\nTherefore, I implore you to fulfill your obligations under the FCRA and take immediate and appropriate action to rectify this situation. I kindly request that you : 1. Conduct a thorough investigation into the accounts listed above and their association with my identity, in accordance with the FCRA.\n\n2. Remove all fraudulent and incorrect accounts from my credit report, as mandated by the FCRA.\n\n3. Update my credit report to reflect accurate and updated information, in compliance with the FCRA.\n\n4. Provide me with written confirmation of the actions taken to resolve this matter, as required by the FCRA. Please be advised that the damages caused by these inaccuracies extend beyond mere financial losses. Under the FCRA, I am entitled to fair compensation for the harm I have endured as a result of these errors, including financial losses, mental stress, and mental anguish. It is imperative that CAPITAL ONE recognizes the gravity of this situation and takes immediate action to rectify the errors on my credit report. If CAPITAL ONE fails to take appropriate action within a reasonable timeframe, as prescribed by the FCRA, I will be left with no choice but to seek legal counsel and pursue legal remedies to ensure that I am fully compensated for all damages incurred. This may include filing a lawsuit to seek restitution for financial losses, mental stress, and mental anguish caused by CAPITAL ONE 's failure to address these issues, as provided for under the FCRA.\n\nI trust that CAPITAL ONE will demonstrate full compliance with the FCRA by promptly investigating and resolving this matter. I expect a written response detailing the steps taken to investigate, remove the disputed accounts from my credit report, and provide the necessary updates, as required by the FCRA. Additionally, I request written confirmation of the resolution of this matter and the removal of the inaccurate information from my credit report, in accordance with the FCRA.\n\nI have attached supporting documentation, including copies of the letters sent to the FTC and previous dispute letters submitted to CAPITAL ONE, as evidence","date_sent_to_company":"2023-11-10T08:36:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"35244","tags":"Servicemember","has_narrative":true,"complaint_id":"7835426","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-11-10T08:21:34.000Z","state":"AL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["This violation of my rights under the FCRA has caused financial hardship, emotional distress, and <em>mental</em> anguish.\n\n2. Emotional stress and <em>mental</em> anguish : The ongoing struggle to rectify the inaccuracies on my credit report, despite my diligent efforts, has caused substantial emotional stress and <em>mental</em> anguish, infringing upon my rights under the FCRA."]},"sort":[8.653777,"7835426"]},{"_index":"complaint-public-v1","_id":"8031796","_score":8.650787,"_source":{"product":"Debt collection","complaint_what_happened":"The relentless presence of these fraudulent accounts is not only an inconvenience but a severe violation of my financial security and mental well-being. I was the victim and Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. I have taken all necessary steps to report and address these incidents of identity theft, yet the continued inclusion of fraudulent accounts on my credit report is exacerbating the distress caused by the initial breach. The continuous inclusion of these unauthorized accounts is not only irritating but is causing significant distress to my mental health. I can not comprehend why the bureau persists in allowing fraudulent accounts to tarnish my credit report. \nXXXX  XXXX XXXX PLEASE DELETE!!!! \nXXXX  XXXX XXXX PLEASE DELETE!!!! \nI am well aware of my rights under the Fair Credit Reporting Act ( FCRA ) and expect your bureau to adhere to the highest standards of accuracy and security. The current state of my credit report is not only unacceptable but poses a direct threat to my financial stability and mental health.","date_sent_to_company":"2023-12-20T06:45:14.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"90405","tags":null,"has_narrative":true,"complaint_id":"8031796","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-12-20T06:13:18.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["The current state of my credit report is not only unacceptable but poses a direct threat to my financial stability and <em>mental</em> 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