davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

An item has been furnished to my Consumer Report without my consent on XX/XX/2023. This is an initial notification to XXXX XXXX  XXXX. Account # XXXX for not providing me with Pursuant 15 USC 6802 ( b ) as a consumer which give me the right to " OPT-OUT ''. They have committed not only fraud but, identity theft on behalf. I was never issued 3 disclosures in regard to any privacy notice of protecting my non-public personal information at consummation. It also violates Gramm-Leach Bliley for failure to safeguard my personal information & negligence on their behalf. Sharing my information with non-affiliated third parties/companies without my consent is identity theft. 
TransUnion, XXXX, XXXX are non-affiliated third companies & an invasion of my right to privacy
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The addresses I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following INACCURATE ADDRESSES. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CAXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently checked my credit report and I noticed numerous inaccurate information accounts and inquiries these inaccurate accounts and information is causing damage to my credit report and my way of life please see the attachments included in this complaint
Consumer complaint received 2023-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (VA)

As yesterday XX/XX/2023 I was abruptly shown to have had my credit limit dropped from one of my Amex XXXX to XXXX and my XXXX card XXXX to XXXX for no reason I have made all my payments on time never late. I have my income that hasnt changed have had no job changes. As well I have been waiting for my other incomes coming so my balances were high for few months taking care of my wives medical on my cards and gifts while taking care of my small business affairs but nothing to warrant this behavior. Buy doing this it increases my credit usage above my keeping it below 50 % now it will be way over causing my score to be dramatically impacted for no reason. Would like to have this reversed please before dramatic effects take place. Thank you
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

Recently, I received a copy of my credit report from EQUIFAX The credit report showed a credit inquiry that I did not authorize. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. 
Please remove this inquires : XXXX XXXX Inquiry : XXXX XXXX, 2022 I ask Equifax to please remove this inquires from my report within 30-day time allowed investigation period as pursuant to 15 U. S. C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquires in connection with a credit or insurance transaction that is not initiated by a consumer. 
Please, either provide me with strict proof I authorized these inquiry such as signed application or contract or recorded telephone call or delete the inquiry immediately.
Consumer complaint received 2017-11-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY (MI)

Wells Fargo fails to fix the erroneous charge off of my student loan and my credit history. Prior to this catastrophe my payment history comprised of seven years of automated payments, which I agreed to at the onset of the loan payment agreement. Wells Fargo erroneously charged off my account two years in a row in XX/XX/XXXX and again in XX/XX/XXXX. The first years charge off took half the year to correct as Wells Fargo repeatedly denied their error. The second charge off remains unresolved.
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

THE DISPUTED ACCOUNT HAS BEEN PREVIOUSLY REMOVED OFF MY CREDIT FILE DUE TO THE FACT THAT IT HAS BEEN REPORTING INACCURATE AND WITHOUT MY KNOWLEDGE. PLEASE HAVE THIS ACCOUNT COMPLETELY OFF MY CREDIT REPORT FOR IT HAS BEEN TARNISHING MY CREDIT FILE AND NAME.
Consumer complaint received 2017-05-16
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Choice Recovery, Inc. (FL)

Choice Recovery violated Public L aw 95-109, Section 805-C, THE FAIR DEBT COLLECTION PRACTICES ACT to hereby CEASE AND DESIST.  THEY DID NOT CEASE AND DESIST AS THEY DID NOT REMOVE THE DEROGATORY INFORMATION FROM ALL OF THE CREDIT REPORTING BUREAUS FILES.       I was advised by the credit bureaus, th at Choice Recovery placed the account for collections per attachment.      I submitted per attachment under Public L aw 95-109, Section 805-C, THE FAIR DEBT COLLECTION PRACTICES ACT to hereby CEASE AND DESIST in any and all attempts to collect the above debt. Pursuant to the Fair Debt Collection Practices Act. 15 U.S.C.A 1601.1692 et al, and to remove  the derogatory information on my credit bureau files.       CEASE AND DESIST in any and all attempts to collect the above debt. Pursuant to the Fair Debt Collection Practices  Act. 15 U.S.C.A 1601.1692 et al,  and to remove all derogatory information on my credit bureau files.
Consumer complaint received 2023-07-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CA)

An Authorize purchase was made on XXXX from my chime debit card. I contacted XXXX  there saying they cant refund an Ebt transaction after Ive already sent proof of it being taken from my debit ..Ive contact chime several times they denied a total of 3 disputes after Ive sent conversation between me and instacart also sent proof my cart history and conversations between me and XXXX  still not being refunded by either..they claim it was no fraud activity even after I order a new card they are failing to protect the customer and they dont care
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

This credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute. 

The furnishers mentioned are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A 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 ; and ( ii ) the information is, in fact, inaccurate. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the information to be true instead of deleting the accounts from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$150.00} XXXX XXXX XXXX XXXXXXXX Balance : {$8100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-26
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe (IN)

CEASE AND DESIST COLLECTING ON XXXX XXXX AND XXXX XXXX XXXX ACCOUNTS DEALING WITH THE ORINAL CREDITOR. 
ALSO, CEASE COMMUNICATIONS YOU ARE VIOLATING THE DODD-GRANK ACT.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX. XX/XX/XXXX, XXXX XXXX. XX/XX/XXXX, XXXX. XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX 15 U.S.C 1681 section 602 A . States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It has been drawn out into the fraudulent that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending these Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, RI, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EdFinancial Services (TN)

The accounts that are below have not been late. The information reported is incorrect. 
You 've paid off 100 % of your student loan amount. 

I have attached document Balance {$0.00} Highest Balance {$4200.00} Monthly payment {$0.00} Opened XX/XX/XXXX ( 10 yrs, 5 mos ) Term months Payment History Youve made 94 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX Last payment -- Current Payment Status Current Worst Payment Status No Info Account Details Account status Closed Type Education Loan Responsibility Individual Remarks -- Times 30/60/90 days late XX/XX/XXXX Closed
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

As a federally protected consumer, I am now opting out any and all authorizations. I, the consumer may have given you written, unwritten, verbal and non-verbally I am rescinding per 15 U.S Code 6802-6805 and is effective immediately and indefinitely. All Collections and Charge-Off is considered a certificate of indebtedness, meaning it is income and must be removed. It is illegal to report transaction history according to the IRS publication. I never authorized any company to share my private information with any third-party agencies and it is violation of my privacy rights under the Privacy Act of 1974.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

NAMES: I need names deleted that I have never used: XXXX XXXX and XXXX XXXX.

ADDRESSES: need old addresses removed: XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX

EMPLOYER:  Remove " XXXX XXXX" and add Current Employer: XXXX XXXX
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX I obtained my credit report from all three bureaus XXXX, TransUnion, and XXXX and all three of them showed a bankruptcy that was reporting incorrectly. I asked all three bureaus to investigate the account with the reporting court. All three of them supposedly " Investigated '' the account and reported again next month. 
On XX/XX/XXXX I obtained my report again and asked all three bureaus to verify the account with the court once more. The bureaus supposedly " verified '' the account with the court, but no changes were made to the item in my report. 
On XX/XX/XXXX, I wrote to the court and asked them if the bureaus had verified the bankruptcy with them. The court wrote a letter to me on XX/XX/XXXX stating that neither the bureaus verified with the court, nor would the court verify a bankruptcy the bureaus. 
By law, the bureaus can only report an item in the credit report after they have verified it with the reporting entity. 
I then sent the court 's letter to the bureaus on XX/XX/XXXX asking them to remove the bankruptcy because they never verified it court and they were reporting it, which is a violation of the FCRA. I wrote to them again on XX/XX/XXXX asking them them to remove the bankruptcy. However, I pulled my credit report today. Neither XXXX, nor XXXX, nor TransUnion have deleted it yet. It has been more than 30 days.
Consumer complaint received 2018-02-20
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (OH)

I say this every time I turn in a complaint ... i don't know why I am bc you won't do anything about it ... short and sweet ... im adding to ocwen fraudulent paperwork ... in which they are suppose to be checking on and of course nothing ... they sent me answers ... yet again to something different ... but I will add it to my govt list and the judge too ... aling with the other answers I am waiting on ... how is it that gmac went out of business in XX/XX/XXXX ... but ... assigned my mortgage to ocwen in XX/XX/XXXX????
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is XXXX XXXX XXXX, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NM)

On XX/XX/, this charge from the Hilton XXXX XXXX hotel in XXXX posted on my account but the bonus points were not correctly calculated per the advertised multiplier of 14x for Hilton hotel ( rather 3x was applied ). Customer services response ranged from it wasnt their problem the local hotel didnt code the transaction correctly to we will fix it after the statement closes. It is misrepresentation from American Express to tell me when I charge something from a Hilton hotel ( and XXXX XXXX  was confirmed as being on the allow list by customer service ), I will get 14x that amount in Hilton bonus points if they are going to blame other parities. I have no control over that. This needs to be fixed immediately.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX Balance : {$450.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my Federally protected consumer rights and confidentiality under 15 USC 1681. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-11-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: REGIONS FINANCIAL CORPORATION (TN)

On XXXX XXXX, 2017, I was scammed out of {$670.00}. I called Regions bank to stop the transaction but they informed me that they couldnt stop it because it was still processing. I explained to them that I had been scammed but they still wouldnt stop the transaction. Since the following Saturday was a holiday the bank would be closed. I went to the bank on Monday and the transaction was still processing, so they told me to come back on Tuesday. After I made the disputed I waited about a week to call the bank ; only to find out that the claim had been denied. The reason for the denial was because the claim was not filed right. There was also an affidavit that I was suppose to sign that the customer service representative never told me about.