{"took":147,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":721,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"1604990","_score":16.409044,"_source":{"product":"Debt collection","complaint_what_happened":"Bull City Financial falsely reported XXXX medical collections under my name with all XXXX major credit reporting agencies. I am neither the patient nor the guarantor on either account, which has been verified by Bull City and the original creditor. I have filed disputes with the credit reporting agencies, but Bull City is ignoring the disputes. Despite repeated requests, Bull City has refused to delete this reporting from all XXXX agencies. They are knowingly and illegally causing a malicious and adverse effect on my credit score.","date_sent_to_company":"2015-10-16T17:33:42.000Z","issue":"Cont'd attempts collect debt not owed","sub_product":"Medical","zip_code":"277XX","tags":null,"has_narrative":true,"complaint_id":"1604990","timely":"No","company_response":"Closed","submitted_via":"Web","company":"Bull City Financial Solutions, Inc","date_received":"2015-10-13T12:31:08.000Z","state":"NC","company_public_response":null,"sub_issue":"Debt is not mine"},"highlight":{"complaint_what_happened":["Bull <em>City</em> Financial falsely <em>reported</em> <em>XXXX</em> medical collections under my name with all <em>XXXX</em> major credit <em>reporting</em> agencies. I am neither the patient nor the guarantor on either account, which has been verified by Bull <em>City</em> and the original creditor. I have <em>filed</em> disputes with the credit <em>reporting</em> agencies, but Bull <em>City</em> is ignoring the disputes. Despite repeated requests, Bull <em>City</em> has refused to delete this <em>reporting</em> from all <em>XXXX</em> agencies."],"company":["Bull <em>City</em> Financial Solutions, Inc"]},"sort":[16.409044,"1604990"]},{"_index":"complaint-public-v1","_id":"5635287","_score":15.135264,"_source":{"product":"Debt collection","complaint_what_happened":"It is my understanding that the Federal Trade Commission ( FTC ) oversees and regulates violations of the Fair Debt Collection Practices Act ( FDCPA ), which is a law intended to protect consumers like me from potentially abusive and harassing behaviors of creditors like Bull City Financial. Bull City Financial Solutions , Inc. continues to report false and inaccurate information to my consumer credit file across all three consumer reporting agencies including XXXX, XXXX, and XXXX which are causing my financial standing to look poorer than it really is. Therefore, I believe that they are knowingly and illegally causing malicious and adverse effect on my credit file. It should be noted that I have submitted several disputes regarding this collection account ( since XX/XX/21 ) to the consumer reporting agencies previously mentioned. However, Bull City Financial has continued to ignore the disputes and falsely validate inaccurate information/ balance due for this collection account. This debt was PAID IN FULL to the original creditor ( XXXX XXXX ) on XX/XX/21 and Bull City Financial and the CRAs were provided with confirmation of my payments. Copies of my payments included a bank statement and/or screen shot of bank account activity. I also contacted XXXX XXXX directly ( case # XXXX ) and ( case # XXXX ) multiple times regarding this dispute who confirmed that they have submitted confirmation of payment multiple times to Bull City Financial Solutions and requested that Bull City seize all collection and credit reporting activity of this account. However, despite knowing this account is no longer collectible, Bull City Financial has continued to perform collection practices to falsely manipulate the amount due on this account. They updated the amount on the account from {$1000.00} to {$1000.00} rather than a XXXX balance since the collection account was paid in full. Plain and simple, there is NO balance due on this account, but Bull City still has an open collection on my credit report attempting to collect this amount. Since Bull City Financial has and continues to use unfair or unconscionable means to collect or attempt to collect this debt, I am requesting that this collection account be DELETED from my credit file immediately due to consistent violations of my rights. Simply put, Bully City Financial demands for monetary amounts are not contractually legal. The amount represented on my credit file from this creditor is inaccurate and Bull City Financial have been informed of the inaccuracies of this account by myself, XXXX XXXX, XXXX, XXXX, and XXXX, yet they are trying to collect monetary amounts that are greater than the amount thats actually owed. Again, this is a violation due to this account being paid in full to the original creditor and no payment is due on this account. The amount due is {$0.00} NOT {$1000.00} as reported by Bull City Financial, which again is a blatant violation as I have and continuing to suffer from abusive collection practices from Bull City Financial. A federal law, the Fair Debt Collection Practices Act ( FDCPA ), says that a debt collector is not allowed to use unfair practices to collect a debt. For example, a debt collector may not try to collect charges in addition to the debt unless they are allowed by the contract or state law. This federal law also prohibits debt collectors from using false, deceptive, or misleading practices. This includes misrepresentations about the debt, including the amount owed. Given the latter, Bull City Financial Solutions has clearly ignored these rules therefore, I am making a formal complaint as I am tired of being hounded for debts that I have already paid. This is unacceptable and I refuse to have my rights violated any further and want something to be done regarding the illegal practices of this company. In my opinion they should no longer be allowed to operate when they violate the FDCPA but ... this has yet to be put into practice.","date_sent_to_company":"2022-06-21T13:29:41.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"27105","tags":null,"has_narrative":true,"complaint_id":"5635287","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bull City Financial Solutions, Inc","date_received":"2022-06-05T22:47:23.000Z","state":"NC","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["Bull <em>City</em> Financial Solutions , Inc. continues to <em>report</em> false and inaccurate information to my consumer credit <em>file</em> across all three consumer <em>reporting</em> agencies including <em>XXXX</em>, <em>XXXX</em>, and <em>XXXX</em> which are <em>causing</em> my financial standing to look poorer than it really is. Therefore, I believe that they are knowingly and illegally <em>causing</em> malicious and adverse effect on my credit <em>file</em>."],"company":["Bull <em>City</em> Financial Solutions, Inc"]},"sort":[15.135264,"5635287"]},{"_index":"complaint-public-v1","_id":"3015580","_score":14.587764,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I had dispute filed with City credit card requesting to investigate charge that was improper as I left an item in XXXX store on XX/XX/18 and was requesting a refund. XXXX at that time promised to refund money multiple times but did not. I filed dispute for the portion of the charge with City card and Citi card failed to investigate dispute properly, misstated that they sent me required paperwork for supporting documentation at the same time emailed statement that they are still investigating therefore never sent any request for supporting documentation hence caused me to miss my deadline : I feel I have been defrauded by Citi card. Then Citi bank stated that I missed deadline to provide supporting documentation and declared lost dispute, an addition reported that negatively and improperly to credit agencys '. \n\nEventually, XXXX checked their records and refunded the wrong charge however City card never amended their ill reported lost dispute and my report still has their fake negative comments. \n\nI request negative reporting about lost dispute removed from my records as being unfair and fake.","date_sent_to_company":"2018-09-11T06:18:09.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"53217","tags":null,"has_narrative":true,"complaint_id":"3015580","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2018-09-11T01:44:48.000Z","state":"WI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I had dispute <em>filed</em> with <em>City</em> credit card requesting to investigate charge that was improper as I left an item in <em>XXXX</em> store on <em>XX/XX</em>/18 and was requesting a refund. <em>XXXX</em> at that time promised to refund money multiple times but did not."]},"sort":[14.587764,"3015580"]},{"_index":"complaint-public-v1","_id":"15265804","_score":14.247532,"_source":{"product":"Debt collection","complaint_what_happened":"I am disputing a {$1200.00} medical debt reported by Bull City Financial for EMS services from XXXX XXXX XXXX. I was incapacitated during the emergency and could not provide or correct insurance information. XXXX XXXX XXXX previously admitted by phone that they had XXXX insurance policies on file for me and billed the wrong one in XX/XX/year>. This caused the claim to be denied. \n\nI was not notified before the bill was sent to collections, and I was not given the opportunity to have the correct insurance billed. Today at XXXX, XXXX XXXX XXXX XXXX XXXX XXXX having the second insurance on file, contradicting earlier statements and wouldn't let me talk to supervisor. \n\nThis debt exists due to the providers billing error, not any failure to pay on my part. I am requesting that Bull City Financial remove the debt from my credit report and that XXXX XXXX XXXX recall or correct the account.","date_sent_to_company":"2025-08-13T14:31:51.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"63114","tags":null,"has_narrative":true,"complaint_id":"15265804","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bull City Financial Solutions, Inc","date_received":"2025-08-13T14:09:09.000Z","state":"MO","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I am disputing a {$1200.00} medical debt <em>reported</em> by Bull <em>City</em> Financial for EMS services from <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>. I was incapacitated during the emergency and could not provide or correct insurance information. <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> previously admitted by phone that they had <em>XXXX</em> insurance policies on <em>file</em> for me and billed the wrong one in XX/XX/year>. This <em>caused</em> the claim to be denied."],"company":["Bull <em>City</em> Financial Solutions, Inc"]},"sort":[14.247532,"15265804"]},{"_index":"complaint-public-v1","_id":"2899141","_score":14.125765,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I was a victim of ID theft. My name is XXXX XXXX, SS # XXXX, DOB XX/XX/XXXX This account was open on XX/XX/XXXX. My address is a general mail address in the City of XXXX. We have no mail at our physical address is the City of XXXX. I have disputed this account numerous times and the creditor says its mine. I have filed a police report # XXXX. This has caused me great harm to me and my family. XXXX and XXXX have removed it but XXXX will not! They keep saying creditor confirms its mine. Please Help! \nHere is the Creditors info : Barclays card Account # XXXX Date opened XX/XX/XXXX","date_sent_to_company":"2018-05-07T18:15:37.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"939XX","tags":null,"has_narrative":true,"complaint_id":"2899141","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2018-05-07T17:59:11.000Z","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":["My name is <em>XXXX</em> <em>XXXX</em>, SS # <em>XXXX</em>, DOB XX/XX/<em>XXXX</em> This account was open on XX/XX/<em>XXXX</em>. My address is a general mail address in the <em>City</em> of <em>XXXX</em>. We have no mail at our physical address is the <em>City</em> of <em>XXXX</em>. I have disputed this account numerous times and the creditor says its mine. I have <em>filed</em> a police <em>report</em> # <em>XXXX</em>. This has <em>caused</em> me great harm to me and my family. <em>XXXX</em> and <em>XXXX</em> have removed it but <em>XXXX</em> will not! They keep saying creditor confirms its mine. Please Help!"]},"sort":[14.125765,"2899141"]},{"_index":"complaint-public-v1","_id":"2351822","_score":14.07545,"_source":{"product":"Mortgage","complaint_what_happened":"I am filing a complaint about City National Bank. I currently have a mortgage loan with City National Bank. They have been reporting an incorrect loan balance which shows I owe more than I ever even borrowed from them on mine and my husband 's credit report for the last 8 months. It is causing my credit score to plummet and it 's hurting my opportunity to refinance my loan. I believe City National Bank wants me to refinance this loan so they can get it out of their bank because the interest rate is so low. They constantly call and email me to find out when I am going to refinance my home. Then when my new potential lender goes to pull credit City National Bank repeatedly puts the wrong balance on my report. I have asked them to correct this back in XX/XX/XXXX which they did one time and said it was glitch in their system. The amount was corrected in XX/XX/2016 and my score improved so I could continue with my refinance. Then 2 months later the balance is incorrect again. I email my contact at the bank to correct it and I received no response. I am attaching the letter for the first time they corrected it.","date_sent_to_company":"2017-02-19T20:39:45.000Z","issue":"Loan servicing, payments, escrow account","sub_product":"Other mortgage","zip_code":"92886","tags":"Servicemember","has_narrative":true,"complaint_id":"2351822","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITY NATIONAL BANK","date_received":"2017-02-19T20:39:45.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I am <em>filing</em> a complaint about <em>City</em> National Bank. I currently have a mortgage loan with <em>City</em> National Bank. They have been <em>reporting</em> an incorrect loan balance which shows I owe more than I ever even borrowed from them on mine and my husband 's credit <em>report</em> for the last 8 months. It is <em>causing</em> my credit score to plummet and it 's hurting my opportunity to refinance my loan."],"company":["<em>CITY</em> NATIONAL BANK"]},"sort":[14.07545,"2351822"]},{"_index":"complaint-public-v1","_id":"18659271","_score":14.0471115,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"Subject : Complaint Against City National Bank for Failure to Communicate, Improper Credit Reporting, XXXX XXXX, and Bad Faith Handling of Matured Loan I am filing a complaint against City National Bank regarding their handling of my personal loan account. The bank has repeatedly failed to communicate with me, refused to provide repayment options, and continues to report delinquencies to the credit bureaus despite my consistent payment history and multiple attempts to resolve the matter.\n\nSummary of Issue I owe approximately {$22000.00} on a personal loan at 10 % interest.\n\nI have been making my monthly payments for several years and have never been late.\n\nCity National Bank never notified me that the loan had matured or that a full payoff was required.\n\nI continued making my monthly payments in good faith because the bank failed to communicate any change in status.\n\nCity National Bank has reported me delinquent multiple times far more than four despite accepting my ontime monthly payments and despite my perfect payment history. These repeated delinquency reports have caused severe and ongoing damage to my credit score, dropping it by more than 100 points and continuing to harm me financially.\n\nThe bank only contacted me two months after the loan had already matured, demanding extensive documentation on short notice. \nI submitted all requested documents, but XXXX denied the renewal, claiming my credit score was too low even though the low score was caused directly by their own reporting. \nSince then, XXXX has ignored all of my emails and phone calls, refusing to provide repayment options, settlement offers, or any communication. \n\nXXXX  Pressure and Credit Reporting Abuse City National Bank has also pressured me to pay the full loan balance immediately without offering any repayment options, settlement terms, or alternatives. Their refusal to communicate appears intentional, as they continue to report me as delinquent to all three credit bureaus as a form of pressure and intimidation. The bank is using negative credit reporting as leverage to force a full payoff, despite my consistent payment history and despite their failure to notify me of the loans maturity. This conduct demonstrates a deliberate strategy to harm my credit score in order to coerce payment, which is unfair, abusive, and inconsistent with responsible loan servicing standards.\n\nAdditional Background ( Prior Complaint and Access Issues ) I previously filed a complaint against City National Bank in XXXX. When I first opened the {$25000.00} line of credit, the bank provided online access so I could manage the account. A few months later, XXXX XXXX my online access without explanation. When I contacted them, I was told that the only way to regain access was to switch my direct deposit to City National Bank. This was presented as a requirement, not an option, and felt coercive. I declined, and as a result, I was left without the ability to manage or monitor my loan online. This lack of access contributed to the later communication failures and misunderstandings regarding the loans maturity. This demonstrates a pattern of unfair and harmful practices by City National Bank. \nRequested Resolution Require City National Bank to respond to my communications Require them to provide written repayment or settlement options Require them to provide documentation of the loan status Investigate their failure to communicate and their credit reporting practices Prevent further unfair reporting while the matter is under dispute Thank you for your attention to this matter. \nSincerely, XXXX XXXX","date_sent_to_company":"2026-01-12T20:10:51.000Z","issue":"Problem with the payoff process at the end of the loan","sub_product":"Personal line of credit","zip_code":"91367","tags":null,"has_narrative":true,"complaint_id":"18659271","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITY NATIONAL BANK","date_received":"2026-01-12T19:58:45.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Subject : Complaint Against <em>City</em> National Bank for Failure to Communicate, Improper Credit <em>Reporting</em>, <em>XXXX</em> <em>XXXX</em>, and Bad Faith Handling of Matured Loan I am <em>filing</em> a complaint against <em>City</em> National Bank regarding their handling of my personal loan account. The bank has repeatedly failed to communicate with me, refused to provide repayment options, and continues to <em>report</em> delinquencies to the credit bureaus despite my consistent payment history and multiple attempts to resolve the matter."],"company":["<em>CITY</em> NATIONAL BANK"]},"sort":[14.0471115,"18659271"]},{"_index":"complaint-public-v1","_id":"9629878","_score":13.95766,"_source":{"product":"Checking or savings account","complaint_what_happened":"A claim was filed in the amount of XXXX to Wells Fargo XXXX XXXX in late XXXX. initially some of the transactions that were involved in the file were from XX/XX/year> and did not align with the first fraudulent transactions that were made XXXX XX/XX/year> in the same locations in the same amounts from the same gas station and city. This mistake was made due to a fraud investigator lumping together all the XXXX transactions rather than just XXXX transactions that were in that same city and same time frame. The other transactions were not thoroughly investigated and were taken into the file which caused the range of time to be longer than the policy of 60 days that is the expected limit of time to take action if there is fraudulent charges that can be credited back for. The claim was denied, closed, and I was not credited for the amount disputed. I called back XXXX separate times to get a report of the claim and reopen the investigation due to an error in filing the corrected transactions that should have been disputed, and was unable to get the fraud department to send that over.","date_sent_to_company":"2024-07-26T15:43:58.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"92660","tags":null,"has_narrative":true,"complaint_id":"9629878","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-07-26T15:22:21.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["A claim was <em>filed</em> in the amount of <em>XXXX</em> to Wells Fargo <em>XXXX</em> <em>XXXX</em> in late <em>XXXX</em>. initially some of the transactions that were involved in the <em>file</em> were from XX/XX/year> and did not align with the first fraudulent transactions that were made <em>XXXX</em> XX/XX/year> in the same locations in the same amounts from the same gas station and <em>city</em>."]},"sort":[13.95766,"9629878"]},{"_index":"complaint-public-v1","_id":"10882347","_score":13.912167,"_source":{"product":"Checking or savings account","complaint_what_happened":"A claim was filed in the amount of XXXX to Wells Fargo fraud dept in late XXXX. initially some of the transactions that were involved in the file were from XX/XX/year> and did not align with the first fraudulent transactions that were made XXXX XX/XX/year> in the same locations in the same amounts from the same gas station and city. This mistake was made due to a fraud investigator lumping together all the XXXX transactions rather than just XXXX transactions that were in that same city and same time frame. The other transactions were not thoroughly investigated and were taken into the file which caused the range of time to be longer than the policy of 60 days that is the expected limit of time to take action if there is fraudulent charges that can be credited back for. The claim was denied, closed, and I was not credited for the amount disputed. I called back three separate times to get a report of the claim and reopen the investigation due to an error in filing the corrected transactions that should have been disputed, and was unable to get the fraud department to send that over.","date_sent_to_company":"2024-11-22T07:06:34.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"92660","tags":null,"has_narrative":true,"complaint_id":"10882347","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-11-22T07:00:01.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["A claim was <em>filed</em> in the amount of <em>XXXX</em> to Wells Fargo fraud dept in late <em>XXXX</em>. initially some of the transactions that were involved in the <em>file</em> were from XX/XX/year> and did not align with the first fraudulent transactions that were made <em>XXXX</em> XX/XX/year> in the same locations in the same amounts from the same gas station and <em>city</em>."]},"sort":[13.912167,"10882347"]},{"_index":"complaint-public-v1","_id":"2978173","_score":13.792918,"_source":{"product":"Debt collection","complaint_what_happened":"I was alerted by XXXX about a collection account placed on my credit report on XX/XX/XXXX ; again on XX/XX/XXXX ; and a third time on XX/XX/XXXX by Bull City Financial. I contacted Bull City Financial in XX/XX/XXXX and XX/XX/XXXX and asked them to search me by social security number, name and date of birth. Each time they said they did not have an account connected to my information. Bull City was able to find the medical account related to my credit report but claimed there was nothing they could do to remove it from my account. Bull City was also unwilling to provide me with a written document for me to provide to my mortgage company stating the debt on my credit report was in error which later prevented me from purchasing a home.\n\nIn XX/XX/XXXX, I found the Bull City Financial collection account still on my credit report. I called XXXX XXXX XXXX   in North Carolina and spoke to a manager who said I \" do not match the demographic information or date of birth provided to Bull City Financial so I have no idea why they would be targeting you. '' She said she would call them tomorrow as they were about to leave the office.\n\nI called Bull City Financial on XX/XX/XXXX at XXXX CST and again at XXXX  CST, I explained my conversation with XXXX XXXX and both representatives said there was nothing they could do and I would need to contest it with the credit agencies. I again asked for a letter simply stating they had no file attached to my identity for me to provide to my mortgager as we're again attempting to obtain a mortgage in Washington and was told their agency was unable to help me.\n\nI later contacted XXXX   to handle the matter further. The XXXX  Fraud Specialist was able to resolve the issue within a matter of minutes based on the fact I was a XXXX XXXX in XXXX, WA at the time medical services were rendered in XX/XX/XXXX. The specialist was also able to determine the other person had the same first and last name as me but a different middle name and date of birth.\n\nBull City Financial 's errors and lack of professionalism cost me the ability to purchase a home once in XX/XX/XXXX and almost a second time in XX/XX/XXXX. Bull City Financial 's actions also negatively effected my credit report and caused unneeded emotional stress, as well as hours of lost time attempting to resolve the issue when I had a clear residential and employment history on the west coast of the United States.","date_sent_to_company":"2018-07-31T22:42:32.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"60073","tags":"Servicemember","has_narrative":true,"complaint_id":"2978173","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bull City Financial Solutions, Inc","date_received":"2018-07-31T21:48:20.000Z","state":"IL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Bull <em>City</em> Financial 's errors and lack of professionalism cost me the ability to purchase a home once in XX/XX/<em>XXXX</em> and almost a second time in XX/XX/<em>XXXX</em>. Bull <em>City</em> Financial 's actions also negatively effected my credit <em>report</em> and <em>caused</em> unneeded emotional stress, as well as hours of lost time attempting to resolve the issue when I had a clear residential and employment history on the west coast of the United States."],"company":["Bull <em>City</em> Financial Solutions, Inc"]},"sort":[13.792918,"2978173"]},{"_index":"complaint-public-v1","_id":"13505777","_score":13.691337,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/XXXX, I sent a certified dispute letter to Bull City Financial Solutions, requesting full validation of a debt they were reporting to the credit bureaus. USPS confirmed delivery on XX/XX/XXXX ( Tracking # XXXX ). Bull City failed to properly respond as required under the Fair Debt Collection Practices Act ( FDCPA 809 ) and continued to report the account to XXXX XXXX XXXX XXXX in violation of the Fair Credit Reporting Act ( FCRA 1681s-2 ( b ) ).\n\nInstead of validating the debt, they issued a generic fraud packet that was not requested and falsely framed my dispute as an identity theft issue. I did not claim identity theft my dispute was a formal request for validation and deletion of inaccurate credit reporting. \nI followed up multiple times, filed complaints with the Florida and North Carolina Attorneys General, and sent a final legal demand letter via USPS ( Tracking # XXXX ), delivered XX/XX/XXXX. Bull City has still not deleted the tradeline or provided proper documentation. \nTheir continued reporting of this unverified debt has harmed my credit and caused unnecessary legal and emotional distress. They are in violation of FDCPA 807 and 809 and FCRA 1681s-2 ( b ). I am requesting immediate deletion of the tradeline and regulatory enforcement action.","date_sent_to_company":"2025-05-15T02:25:41.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Other debt","zip_code":"34606","tags":"Servicemember","has_narrative":true,"complaint_id":"13505777","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bull City Financial Solutions, Inc","date_received":"2025-05-15T02:16:12.000Z","state":"FL","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["On XX/XX/<em>XXXX</em>, I sent a certified dispute letter to Bull <em>City</em> Financial Solutions, requesting full validation of a debt they were <em>reporting</em> to the credit bureaus. USPS confirmed delivery on XX/XX/<em>XXXX</em> ( Tracking # <em>XXXX</em> ). Bull <em>City</em> failed to properly respond as required under the Fair Debt Collection Practices Act ( FDCPA 809 ) and continued to <em>report</em> the account to <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> in violation of the Fair Credit <em>Reporting</em> Act ( FCRA 1681s-2 ( b ) )."],"company":["Bull <em>City</em> Financial Solutions, Inc"]},"sort":[13.691337,"13505777"]},{"_index":"complaint-public-v1","_id":"1826406","_score":13.535641,"_source":{"product":"Debt collection","complaint_what_happened":"On XXXX XXXX, 2016 I received a letter from Online Collections dated XXXX XXXX, 2016 demanding payment for an outstanding utility bill owed to the City of XXXX, KY. That letter is attached. I responded that same day by fax and by Certified Mail disputing the validity of the debt AND providing a confirmation number ( XXXX ) showing that the claimed balance of {$69.00} had been paid on account XXXX. \n\nDespite this dispute and proof of payment, Online Collections placed this account on my XXXX credit report.I subsequently received a letter from Online Collections dated XXXX XXXX, 2016 cancelling the collection AND agreeing to remove the collection account from my credit files. The account was removed, as promised, from my Equifax credit report on XXXX XXXX, 2016. \n\nThen, it gets complicated. \n\nDespite the letter dated XXXX XXXX, 2016 cancelling the collection, and despite my timely dispute of the validity of the debt which was never answered, and despite my providing Online Collections proof the full balance due was paid to the original creditor ( City of XXXX, KY ) on XXXX XXXX, 2016 Online Collections added this collection account to my XXXX XXXX XXXX file. I have attached a copy of that credit report page, as well as documentation that this false account caused an immediate XXXX point decline in my credit score. I have since submitted a dispute to XXXX XXXX including proof of payment to City of XXXX, KY and cancellation of debt from Online Collections. I am awaiting resolution.","date_sent_to_company":"2016-03-10T18:15:58.000Z","issue":"Cont'd attempts collect debt not owed","sub_product":"Other (i.e. phone, health club, etc.)","zip_code":"404XX","tags":null,"has_narrative":true,"complaint_id":"1826406","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ONLINE Information Services, Inc.","date_received":"2016-03-10T18:15:57.000Z","state":"KY","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["I have attached a copy of that credit <em>report</em> page, as well as documentation that this false account <em>caused</em> an immediate <em>XXXX</em> point decline in my credit score. I have since submitted a dispute to <em>XXXX</em> <em>XXXX</em> including proof of payment to <em>City</em> of <em>XXXX</em>, KY and cancellation of debt from Online Collections. I am awaiting resolution."]},"sort":[13.535641,"1826406"]},{"_index":"complaint-public-v1","_id":"21402733","_score":13.48398,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint regarding inaccurate credit reporting by Bull City Financial Solutions related to a debt originally associated with XXXX XXXX. \n\nI resolved this account with Bull City Financial under a pay-for-delete agreement, in which I was assured that the account would be removed from my credit report upon payment. I fulfilled my obligation and paid the agreed amount in full. \n\nDespite this agreement, the collection account remains on my credit report. This is a direct violation of the terms under which I made the payment and is causing harm to my credit profile. \n\nI have made attempts to resolve this issue directly, but the account has not been removed as promised. They simply sent me a paid letter. \n\nThis inaccurate reporting is also contributing to delays in my mortgage process, as my lender is reviewing negative items on my credit that should no longer be present. \n\nI am requesting the following : Immediate deletion of the Bull City Financial collection account from all credit reporting agencies, as agreed upon at the time of payment. \nWritten confirmation that the account has been deleted. \nAn explanation as to why the agreed-upon deletion has not yet been completed. \n\nI have documentation supporting the payment and the terms of the agreement and have attached to this complaint. \n\nThis matter is time-sensitive due to its impact on my ability to move forward with my mortgage. I request prompt resolution.","date_sent_to_company":"2026-04-20T16:22:55.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"28602","tags":null,"has_narrative":true,"complaint_id":"21402733","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bull City Financial Solutions, Inc","date_received":"2026-04-20T15:26:58.000Z","state":"NC","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["I am <em>filing</em> this complaint regarding inaccurate credit <em>reporting</em> by Bull <em>City</em> Financial Solutions related to a debt originally associated with <em>XXXX</em> <em>XXXX</em>. \n\nI resolved this account with Bull <em>City</em> Financial under a pay-for-delete agreement, in which I was assured that the account would be removed from my credit <em>report</em> upon payment. I fulfilled my obligation and paid the agreed amount in full. \n\nDespite this agreement, the collection account remains on my credit <em>report</em>."],"company":["Bull <em>City</em> Financial Solutions, Inc"]},"sort":[13.48398,"21402733"]},{"_index":"complaint-public-v1","_id":"12613513","_score":13.194762,"_source":{"product":"Debt collection","complaint_what_happened":"Dear CFPB, I am filing a formal complaint against Bull City Financial regarding a fraudulent account ( Account Number : XXXX ) that they are reporting under my name. I discovered this account shortly after my release from federal prison on XX/XX/XXXX. This account is completely fraudulent, as I was incarcerated from XX/XX/XXXX, to XX/XX/XXXX, making it impossible for me to have opened or maintained an electric service account with XXXX XXXX during that time. Additionally, I have never lived at the address associated with this account. \n\nI have repeatedly requested documentation from Bull City Financial, and they continue to claim that the requested data is \" coming via email, '' but I have never received any documentation. Their failure to provide proof while continuing to report this fraudulent debt is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).\n\nI am requesting that the CFPB investigate this matter and take action to ensure that Bull City Financial : Removes this fraudulent account from my records immediately.\n\nCeases all credit reporting of this account.\n\nProvides documentation supporting their claim, if any exists.\n\nTheir failure to respond appropriately to my dispute is causing undue harm and violates federal consumer protection laws. I respectfully request the CFPBs intervention to ensure my rights are upheld. \n\nI have attached supporting documents, including : Proof of my incarceration from XX/XX/XXXX, to XX/XX/XXXX. \nMy formal dispute letter sent to Bull City Financial.\n\nPlease let me know how I can proceed further. I appreciate your assistance in this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-03-22T12:00:10.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"29640","tags":null,"has_narrative":true,"complaint_id":"12613513","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bull City Financial Solutions, Inc","date_received":"2025-03-22T10:41:13.000Z","state":"SC","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Dear CFPB, I am <em>filing</em> a formal complaint against Bull <em>City</em> Financial regarding a fraudulent account ( Account Number : <em>XXXX</em> ) that they are <em>reporting</em> under my name. I discovered this account shortly after my release from federal prison on XX/XX/<em>XXXX</em>. This account is completely fraudulent, as I was incarcerated from XX/XX/<em>XXXX</em>, to XX/XX/<em>XXXX</em>, making it impossible for me to have opened or maintained an electric service account with <em>XXXX</em> <em>XXXX</em> during that time."],"company":["Bull <em>City</em> Financial Solutions, Inc"]},"sort":[13.194762,"12613513"]},{"_index":"complaint-public-v1","_id":"6059997","_score":12.950031,"_source":{"product":"Mortgage","complaint_what_happened":"I applied for a mortgage through Citizens Bank and in the last week ( XX/XX/2022 ) before closing the an employee ( XXXX XXXX XXXX said there was a \" hiccup '' with the loan. I lost my temper because this was the second time that an XXXX hour request for documents that threatened to jeopardize the deal had been made. I threatened to take legal action against Citizens if they cancelled the loan, as well as file a CFPB complaint. Communication between myself and the loan officer broke down at that point and a manger told me that the file had been referred to \" customer care '' for \" escalation. '' I was further informed that my communications triggered the transfer of the file and that there was nothing that could be done. It is also worth noting that I have been approved for a grant through the City of XXXX to cover closing costs. Documents have been submitted to the city of XXXX that establish that I had been approved for a mortgage through Citizens. Because Citizens did not transmit documents associated with the closing of the sale to the city two days before closing ( XX/XX/2022 ), so that the closing costs grant could be disbursed, my loan has not been properly processed. I can only guess about what has caused the \" hiccup '', and my best guess is that a student loan appeared on my credit report during the final stages of the closing process. Nonetheless, I have relied on Citizens to enter into a contract to purchase XXXX XXXX XXXX, XXXXXXXX XXXX XXXX and now that contract is now broken as a result of Citizens inaction. Citizens has demonstrated an unwillingness to even make me aware of what information they need to grant final approval for the loan. I have made repeated attempts to get them what they want to close on the loan. They have not responded to my requests.","date_sent_to_company":"2022-10-06T16:56:38.000Z","issue":"Closing on a mortgage","sub_product":"FHA mortgage","zip_code":"19131","tags":null,"has_narrative":true,"complaint_id":"6059997","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIZENS FINANCIAL GROUP, INC.","date_received":"2022-10-06T16:29:25.000Z","state":"PA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I can only guess about what has <em>caused</em> the \" hiccup '', and my best guess is that a student loan appeared on my credit <em>report</em> during the final stages of the closing process. Nonetheless, I have relied on Citizens to enter into a contract to purchase <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, XXXXXXXX <em>XXXX</em> <em>XXXX</em> and now that contract is now broken as a result of Citizens inaction. Citizens has demonstrated an unwillingness to even make me aware of what information they need to grant final approval for the loan."]},"sort":[12.950031,"6059997"]},{"_index":"complaint-public-v1","_id":"2502876","_score":12.910202,"_source":{"product":"Debt collection","complaint_what_happened":"BullCity financial is verifying a debt to the  XXXX  major credit reporting agencies which was a result of identity fraud. I have disputed the debt several times, have sent letters, and made calls and I have yet to resolve this matter. I have a police report on file and sent them to the bureaus and the creditor yet they disregard and continue to cause me damages and harm my credit rating for something I 'm not responsible for. Seeking assistance from you to mediate and hopefully resolve this issue quickly and professionally.","date_sent_to_company":"2017-06-06T14:45:44.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"28376","tags":null,"has_narrative":true,"complaint_id":"2502876","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bull City Financial Solutions, Inc","date_received":"2017-06-06T14:32:53.000Z","state":"NC","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Bull<em>City</em> financial is verifying a debt to the  <em>XXXX</em>  major credit <em>reporting</em> agencies which was a result of identity fraud. I have disputed the debt several times, have sent letters, and made calls and I have yet to resolve this matter. I have a police <em>report</em> on <em>file</em> and sent them to the bureaus and the creditor yet they disregard and continue to <em>cause</em> me damages and harm my credit rating for something I 'm not responsible for."],"company":["Bull <em>City</em> Financial Solutions, Inc"]},"sort":[12.910202,"2502876"]},{"_index":"complaint-public-v1","_id":"3243394","_score":12.365944,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"american express violated \" FDCPA, FCBA and FCRA '', truth in lending act, breach of contract by closing account without sufficient cause/ improper account review ... i have been a loyal customer since XX/XX/XXXX and never late on any payments..this has caused severe financial hardship due to that this account is used for daily / monthly living expense to cover charges made while waiting on XXXX XXXX check per month and now since account closure i can not afford to pay current balance owed and make any other any payments being on fix income and single parent father of XXXXyr old daughter ... NOTE : I WERE I VICTIM OF FRAUD ON ABOUT XX/XX/XXXX AND THIS HAS CAUSED MY CREDIT SCORE TO DROP SIGNIFICANTLY DUE DISPUTE FRAUD CHARGES WITH OTHER CREDITOR \" XXXX XXXX XXXX XXXX '' ..POLICE REPORT FILED WITH CITY OF XXXX, FTC AFFIDAVIT FILED AND VIA MY ATTORNEY ... ALL DOCUMENT OF STATED PROOF AVAILABLE UPON REQUEST","date_sent_to_company":"2019-05-22T19:28:54.000Z","issue":"Struggling to pay your bill","sub_product":"General-purpose credit card or charge card","zip_code":"30311","tags":"Servicemember","has_narrative":true,"complaint_id":"3243394","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2019-05-15T18:31:15.000Z","state":"GA","company_public_response":null,"sub_issue":"Credit card company won't work with you while you're going through financial hardship"},"highlight":{"complaint_what_happened":["NOTE : I WERE I VICTIM OF FRAUD ON ABOUT XX/XX/<em>XXXX</em> AND THIS HAS <em>CAUSED</em> MY CREDIT SCORE TO DROP SIGNIFICANTLY DUE DISPUTE FRAUD CHARGES WITH OTHER CREDITOR \" <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> '' ..POLICE <em>REPORT</em> <em>FILED</em> WITH <em>CITY</em> OF <em>XXXX</em>, FTC AFFIDAVIT <em>FILED</em> AND VIA MY ATTORNEY ... ALL DOCUMENT OF STATED PROOF AVAILABLE UPON REQUEST"]},"sort":[12.365944,"3243394"]},{"_index":"complaint-public-v1","_id":"3005518","_score":12.209641,"_source":{"product":"Debt collection","complaint_what_happened":"I have been and I am still a victim of a very large debt collection scheme being perpetrated on many low-income and elderly in XXXX XXXX County XXXX XXXX Indiana. The city legal department, colleagues, family members and close political associates are using their law degrees to strong-arm they're targets into agreeing to pay debt that is either all together falsified and or extremely exaggerated. They court and judge shop, hoping to run this debt collection hustle game over on the judge and many time never serving the defendant notice which denies us our Rights to Due Process, and or an opportunity to question proof of legitimacy/ dispute the debt. They are WINNING MANY of these case by DEFAULT JUDGEMENT.95 % of these cases are awared in the plaintiffs favor, not ever affording the defendant the right to due process, and Once they receive the default Judgement in their favor, and the time to APPEAL has passed, they began to send the defendant a request to provided personal banking information, SS #, employer info, personal tax records etc. The city of XXXX XXXX via their attorney Krisor & Associates has falsified documents and continues to take legal action against me, on 4 separate occasions for fraudulent debt, re : XXXX, in XX/XX/XXXX, after I requested proof of debt and legitimacy and NONE was provided, I provided 29 documents to the courts regarding this fraudulent and criminal attempt to steal and cause financial harm to me. Ultimately, the city of XXXX XXXX Case against me was DISSMISSED with PREJUDICE. ( meaning they can NOT return to sue me for this again ) Less than six months later, XX/XX/XXXX the City again retained Krisor and Associates to pursue me in a higher court, this time for XXXX dollars. Again Never communicating to me the legitimacy of the debt and provided NO PROOF that this debt is owed. XXXX a default judgement was entered against me, because via a clerical error my 43 documents were some how misplaced and the Judge never reviewed them, prior to entering his ruling. I notified the courts a hearing was set. I again was required to appear in court to set aside judgement, and ultimately the Judgement was VACATED. These many attempts to fraudulent place me in debt was heard before 3 separate Judges. In XX/XX/XXXX Krisor & Associates revived their debt collection efforts once again ; this time increasing the amount owed to XXXX ( + ) again NEVER received NOTICE of hearing and a Default Judgement was entered against me. I contacted the courts and the clerk and court officer told me this was another error. They explained that switching they're computer system was the cause of the error and not to be concerned, but encouraged me to contact XXXX XXXX XXXX XXXX for assistance because Krisor & Associate continues to sue me over, and over again. I contacted XXXX XXXX and was assigned XXXX XXXX. I retained XXXX XXXX XXXX XXXX in XX/XX/XXXX. The hearing was XX/XX/XXXX. I realize on XX/XX/XXXX, XXXX XXXX had failed to file her notice of appearance with the courts so I filed it. The day of the hearing XXXX stated in court to XXXX XXXX who was suddenly set to hear the matter, and a former city of XXXX XXXX attorney, as well as a colleague of the same legal dept, that has filed all these false claims against me. Additionally, he also worked with another former city attorney XXXX XXXX, for debt collection in a private practice, ( whom I've reported to the disciplinary commission for unethical and criminal abuse of power. XXXX XXXX has a reord of receiving political donation from fellow colleague XXXX XXXX and also Krisor and Associates, whom the city retains to collect much of their alleged debt in collection cases. XXXX on record told the Judge this was a clerical error, she also explained that the case has already been heard and if the plaintiff disagrees he should refile. She stated I did not owe this debt. The Judge refused to honor her request and schedule a hearing. XXXX XXXX failed to appear, ultimately XXXX XXXX overturned the 3 previous Judges ruling by NOW placing me in default for summary judgement for this debt totaling more than 23,000. This alleged debt has never been substantiated, and Blatantly denies me my rights to effective counsel and due process. XXXX XXXX then sent me a letter encouraging me to hire a bankruptcy attorney, and refused filing and appeal on my behalf though I've requested it in writing with her, the University of XXXX XXXX XXXX XXXX, and I filed my request with the clerk of the courts as well. I also asked XXXX XXXX to transfer my case for appeal to someone else at XXXX XXXX XXXX XXXX, XXXX has ignored my request completely. I represented myself on 3 different occasions against Krisor and Assosciates, for alleged debt collection, and each time I prevailed. I retained XXXX XXXX with XXXX XXXX XXXX XXXX, she failed to show-up for the hearing, so No arguments were had, No discovery was done to verify the validity of debt, and the attorney for Krisor flat out told XXXX to NOT pursue discovery in an effort to save the city of south bend, his client money.And I am now being ignored by XXXX XXXX who is the Clinical Director of XXXX XXXX XXXX XXXX. I have communicated to her assistant 2 times in hope to meet with the Legal Clinic manager XXXX XXXX, to help fix this mess, and all of my request to XXXX XXXX have been ignored, and I have missed the Appeal deadline as a result of her neglect and negligence. I need someone to help me.","date_sent_to_company":"2018-08-29T19:16:53.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"I do not know","zip_code":"46619","tags":null,"has_narrative":true,"complaint_id":"3005518","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"The Law Firm of Krisor & Associates","date_received":"2018-08-29T19:16:50.000Z","state":"IN","company_public_response":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","sub_issue":"Sued you without properly notifying you of lawsuit"},"highlight":{"complaint_what_happened":["The day of the hearing <em>XXXX</em> stated in court to <em>XXXX</em> <em>XXXX</em> who was suddenly set to hear the matter, and a former <em>city</em> of <em>XXXX</em> <em>XXXX</em> attorney, as well as a colleague of the same legal dept, that has <em>filed</em> all these false claims against me. Additionally, he also worked with another former <em>city</em> attorney <em>XXXX</em> <em>XXXX</em>, for debt collection in a private practice, ( whom I've <em>reported</em> to the disciplinary commission for unethical and criminal abuse of power."],"company_public_response":["Company believes complaint <em>caused</em> principally by actions of third party outside the control or direction of the company"]},"sort":[12.209641,"3005518"]},{"_index":"complaint-public-v1","_id":"2964064","_score":12.171999,"_source":{"product":"Debt collection","complaint_what_happened":"I was a victim of ID Theft in XX/XX/2017 and filed a police report. There were over a dozen utility accounts created in my name in XXXX, Texas and surrounding cities. I've never resided in Texas. \n\nPro Collection placed a collection derogatory item on my credit report, causing my score to drop from XXXX to XXXX. I've sent them the police report and filed a dispute against their charge over a week ago, on XX/XX/XXXX. I called today to inquire and they said my account is locked and they are unable to give me a status update, and then gave me the run around. \n\nI'm in the process of buying a home and this issue is impeding our ability to purchase a home. If Pro Collect doesn't clear this up immediately with the credit bureaus, we will lose our chance at buying this home. \n\nPlease help us. \n\nThank you.","date_sent_to_company":"2018-07-18T16:53:24.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Other debt","zip_code":"91403","tags":null,"has_narrative":true,"complaint_id":"2964064","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ProCollect, Inc.","date_received":"2018-07-17T04:36:30.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["I was a victim of ID Theft in <em>XX/XX</em>/2017 and <em>filed</em> a police <em>report</em>. There were over a dozen utility accounts created in my name in <em>XXXX</em>, Texas and surrounding <em>cities</em>. I've never resided in Texas. \n\nPro Collection placed a collection derogatory item on my credit <em>report</em>, <em>causing</em> my score to drop from <em>XXXX</em> to <em>XXXX</em>. I've sent them the police <em>report</em> and <em>filed</em> a dispute against their charge over a week ago, on XX/XX/<em>XXXX</em>."]},"sort":[12.171999,"2964064"]},{"_index":"complaint-public-v1","_id":"10814230","_score":12.170495,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"It is multiple loans that have been taken out using my SSN but with my ex husbands XXXX XXXX XXXX place of employment, a bank account not associated with me and both either him and his girlfriend address or his mother address which is in a completely different city and state than I. I have been trying to get these loans removed from my credit report for over a year as it is multiple and more keeps being added which has caused me to lock my SSN. Freeze my credit reports and Ive filed a police report as well as FTC on identitytheft.gov. He keeps getting away with this and I keep getting penalized with debt on top of debt that I do not owe nor is rightfully mine.","date_sent_to_company":"2024-11-15T16:01:52.000Z","issue":"Received a loan you didn't apply for","sub_product":"Payday loan","zip_code":"75040","tags":null,"has_narrative":true,"complaint_id":"10814230","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2024-11-15T15:46:35.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["It is multiple loans that have been taken out using my SSN but with my ex husbands <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> place of employment, a bank account not associated with me and both either him and his girlfriend address or his mother address which is in a completely different <em>city</em> and state than I. I have been trying to get these loans removed from my credit <em>report</em> for over a year as it is multiple and more keeps being added which has <em>caused</em> me to lock my SSN."]},"sort":[12.170495,"10814230"]},{"_index":"complaint-public-v1","_id":"8701562","_score":12.164124,"_source":{"product":"Debt collection","complaint_what_happened":"Here is a list of all the violations that I believe has taken place by Bull City Financial Solutions : 15 United State Code 1692g - I received no information and I sent in a formal complaint to dispute the validity of the debt according the law.\n\nNotice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof.\n\n15 U.S. Code 1692e - False or misleading representations - Bull City Financial Solutions false and misleading information stating that the information was being investigated when in fact the information was not being investigated and no information was provided in the connection of this alleged debt.\n\n15 U.S. Code 1692c - Communication in connection with debt collection - Bull City Financial Solutions is communicating with a third party that I did give them permission to communicate with in the connection of this alleged debt by providing this inaccurate information to my consumer report.\n\n15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.\n\nDuty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors ( Bull City has been informed that the validity of the debt is in question and the amount owed ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.\n\n( B ) Reporting information after notice and confirmation of errors- ( Bull City was provided a notice that the information is inaccurate and needed to be investigated ).\n\nA person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate.\n\n( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( XXXX  from Bull City Financial Solutions on XX/XX/2024 stated in a phone conversation that the account file was sent to the creditor for investigation and did not notify the consumer reporting agency that the information was being disputed or investigated and refused to have the account removed during this time and did not notify me of any updates or investigation report or any information requested during their unfair and unreasonable investigation. And updated the account stating that Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). \n\n15 U.S. Code 1681 - Congressional findings and statement of purpose - Based on the amount that XXXX provided she stated the amount she showed was {$150.00} however Bull City Financial Solutions reported that {$160.00} is the amount to my credit report.\n\nThe Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.\n\n15 U.S. Code 1681n - Civil liability for willful noncompliance - Bull City Financial Solutions willingly avoided to comply with the provisions under both the fcra and the fdcpa.\n\n15 U.S. Code 1681o - Civil liability for negligent noncompliance- Bull City Financial Solutions was negligent in conducting a reasonable investigation and failed to respond to my request for information to be sent to me via mail so that I can review the information in question. \n\nI also asked for their license number and was provided with a tax id instead Tax ID that was provided was XXXX instead of their license number. XXXX XXXX on this on this call the account was being disputed and sent over to XXXX XXXX on XX/XX/2024 my credit report did not indicate that the account was being disputed at any time during this process before and after the call on XX/XX/2024. XX/XX/2024 is the same day they responded to my complaint with the CFPB and closed the complaint by falsely stating that they will contact me and till this day I have not heard anything from Bull City Financial Solutions. The dispute ( XXXX ) was closed with their company with no explanation. I want this account removed from all my consumer reports effective immediately. \n\nSEE ATTACHED DOCUMENTS UNDER COMPLAINT XXXX AS THE PROOF THAT WAS ALSO SENT PREVIOUSLY IN THIS MATTER. \n\nI previously requested information on an account that popped up on my credit report. I submitted a request to have the account in question removed while the account was being investigated. Bull City Financial Solutions failed to comply with the request. There were NEVER any communication in the connection of the alleged debt, This is really disheartening to know that Bullcity Financial Solutions can overlook the laws and rules that says that in order to place an alleged debt on a consumer report the debt collector MUST contact the consumer. On this site as well as the FTC site I have found information that clearly states that debt parking is illegal and that a debt collector can not park a debt on a consumer report without first contacting the consumer in the connection of the debt. It is furthermore disheartening that Bull City Financial Solutions responded with none of the information that was requested XXXX and the representative could not assist with the issue because there were no valid information provided in the connection of the investigation. I want to know what reasonable procedures that were taken in investigating and verifying the information on this erroneous debt, I am asking again for all file disclosures and the full sale file and agreement of this debt when it was purchased a full audit trail and I am not talking about billing statements that were purchased I am requesting a full audit report on this account and the rights that Bull City Financial Solutions has over this unknown debt all correspondence with proof of delivery via a tracking number. If none of this information can be produced, I am requesting that this account be completely deleted from all of my consumer reports including the soft inquiry that was placed on my report to place this account on my consumer report. Bull City Financial Solutions had no permissible purpose to pull my report in order to place this account on my consumer report without my permission. This is very frustrating knowing that I have been violated and no one is taking my concerns serious enough to provide me with a reasonable investigation as I am entitled to that right. \n\nPlease conduct a reasonable investigation in this matter thank you. \n\nI HAVE ATTACHED ALL OF MY CREDIT REPORTS THAT SHOWS THAT THE CREDIT REPORTING AGENCY WAS NEVER NOTIFIED THAT THE ACCOUNT WAS IN DISPUTE ALSO ATTACHED ARE OTHER PROOF OF INFORMATION.","date_sent_to_company":"2024-04-03T06:34:15.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"28081","tags":null,"has_narrative":true,"complaint_id":"8701562","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bull City Financial Solutions, Inc","date_received":"2024-04-03T04:26:14.000Z","state":"NC","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer <em>reporting</em> agency is disputed to such person by a consumer, the person may not furnish the information to any consumer <em>reporting</em> agency without notice that such information is disputed by the consumer. ( <em>XXXX</em>  from Bull <em>City</em> Financial Solutions on <em>XX/XX</em>/2024 stated in a phone conversation that the account <em>file</em> was sent to the creditor for investigation and did not notify"],"company":["Bull <em>City</em> Financial Solutions, Inc"]},"sort":[12.164124,"8701562"]},{"_index":"complaint-public-v1","_id":"13139521","_score":12.1633005,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I believe my identity was stoled either again or the same individual who caused me credit card fraud in XX/XX/XXXX did it again. \n\nI was in XXXX and XXXX from XX/XX/XXXX to XX/XX/XXXX and on XX/XX/XXXX I received 3 emails indicating I opened up store credit cards and made purchases for XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I was able to complete an Equifax credit freeze on XX/XX/XXXX and have since then been contacting each individual company to dispute the claims and close the cards. I also filed a police report in my current city of residence and am applying for an extended 7-year fraud alert with Equifax as well.","date_sent_to_company":"2025-04-23T21:09:06.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"46804","tags":null,"has_narrative":true,"complaint_id":"13139521","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-23T21:08:37.000Z","state":"IN","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I also <em>filed</em> a police <em>report</em> in my current <em>city</em> of residence and am applying for an extended 7-year fraud alert with Equifax as well."]},"sort":[12.1633005,"13139521"]},{"_index":"complaint-public-v1","_id":"13138160","_score":12.160466,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I believe my identity was stoled either again or the same individual who caused me credit card fraud in XX/XX/XXXX did it again. \n\nI was in XXXX and XXXX from XX/XX/XXXX to XX/XX/XXXX and on XX/XX/XXXX I received 3 emails indicating I opened up store credit cards and made purchases for Harbor Freight, XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX. I was able to complete an XXXX credit freeze on XX/XX/XXXX and have since then been contacting each individual company to dispute the claims and close the cards. I also filed a police report in my current city of residence and am applying for an extended 7-year fraud alert with XXXX as well.","date_sent_to_company":"2025-04-23T21:09:04.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"46804","tags":null,"has_narrative":true,"complaint_id":"13138160","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-04-23T20:32:07.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I was able to complete an <em>XXXX</em> credit freeze on XX/XX/<em>XXXX</em> and have since then been contacting each individual company to dispute the claims and close the cards. I also <em>filed</em> a police <em>report</em> in my current <em>city</em> of residence and am applying for an extended 7-year fraud alert with <em>XXXX</em> as well."]},"sort":[12.160466,"13138160"]},{"_index":"complaint-public-v1","_id":"13139520","_score":12.108565,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I believe my identity was stoled either again or the same individual who caused me credit card fraud in XX/XX/XXXX did it again. \n\nI was in XXXX and XXXX from XX/XX/XXXX to XX/XX/XXXX and on XX/XX/XXXX I received 3 emails indicating I opened up store credit cards and made purchases for XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I was able to complete an XXXX  credit freeze on XX/XX/XXXX and have since then been contacting each individual company to dispute the claims and close the cards. I also filed a police report in my current city of residence and am applying for an extended 7-year fraud alert with XXXX as well.","date_sent_to_company":"2025-04-23T21:09:03.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"46804","tags":null,"has_narrative":true,"complaint_id":"13139520","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-04-23T21:08:37.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I also <em>filed</em> a police <em>report</em> in my current <em>city</em> of residence and am applying for an extended 7-year fraud alert with <em>XXXX</em> as well."]},"sort":[12.108565,"13139520"]},{"_index":"complaint-public-v1","_id":"2703795","_score":12.089811,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XXXX XXXX XXXX, I received an alert from my Chase Banking App saying I had a low balance alert. Upon reviewing the transaction history on my phone, I discovered an unauthorized transaction was made to empty out almost every thing from my account and was withdrawn from an ATM less than 5 miles away from my house. This withdrawal occurred at XXXX XXXX. However, during this time I was not in the city where the transaction took place and actually have receipts showing that I was in another city all night camping out for a release of an electronic. During this time, I made a transaction on my XXXX Card at XXXX PST. After, discovering about the unauthorized charge, I called Chase immediately and requested for the card to be cancelled and filed a claim for fraud. After almost 3 weeks of review, with no word from Chase, they  decided to reverse my claim causing my checking account to be overdrawn on XXXX XXXX XXXX. I spoke with 2 representatives over the phone, they both told me since the transaction had been made with my PIN, the charge was authorized, and they could not help me further with my case. As a response, I visited the Chase branch that the money was withdrawn from, requesting for a copy of the receipt for the unauthorized transaction and if it was possible to review the security footage of the transaction taking place. They were only able to get the receipt for the transaction, and was told surveillance footage can not be reviewed without a subpoena or by a peace officer. I was then told again that I would have to resolve my case through outside means. I have since filed a police report for the fraudulent charge.","date_sent_to_company":"2017-10-17T06:56:57.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"91765","tags":null,"has_narrative":true,"complaint_id":"2703795","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2017-10-17T02:22:17.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I have since <em>filed</em> a police <em>report</em> for the fraudulent charge."]},"sort":[12.089811,"2703795"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":721,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":721}]}},"product":{"doc_count":721,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt 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