davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

The outrages overdraft fees, and the constant charges that they do is unbelievable. I have so many overdraft charges on my account. Its just to much. And just plain fraudulant. I
Consumer complaint received 2023-04-10
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TN)

XXXX and Equifax are reporting a medical debt on my credit report from XXXXXXXX XXXX XXXX in the amount of {$880.00}. Ive disputed this debt over and over again and neither XXXX, Equifax or XXXXXXXX XXXX XXXXXXXX would provide me with the method used to verify this debt as accurate. It is unlawful to report a debt with a past due balance as accurate and it is causing me sleepless nights and stress. I have a ton of fcra violations as well as cfrs etc.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-23
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. (TX)

I'm submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX Balance : {$710.00} XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$520.00} ; XXXX XXXX XXXX  ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX opened : XX/XX/XXXX XXXX : {$500.00} ; XXXX XXXX XXXXXXXX ( Original XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$340.00} ; XXXX XXXX XXXX  ( Original creditor XXXX XXXX XXXXXXXX XXXX. ) XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX  XXXX XXXX ) Date opened : XX/XX/XXXX Balance : {$370.00} ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX ; XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXXXXXX XXXX XXXXXXXX : XXXX. XXXX, XXXX ; XXXX XXXXnquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXL Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-06-17
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. (NV)

I have reached out to the credit bureaus on multiple occasions and have yet to receive a legitimate investigation or response. I am reaching out to the CFPB Regarding my concerns with the accounts listed below Please have these accounts removed from my credit profile XXXX Date opened incorrect, Balance incorrect XXXX Balance Incorrect XXXX Date Last active incorrect Balance incorrect Date opened incorrect
Consumer complaint received 2022-11-23
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. (TX)

I'm submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$710.00} XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$520.00} ; XXXX XXXX XXXX ( Original crediXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXX XXXX : {$500.00} XXXX XXXX XXXX XXXX  ( Original XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$340.00} ; XXXX XXXX XXXX ( Original creditoXXXX XXXX XXXX XXXX XXXXXXXX. ) XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXXXXXX XXXX ) Date opened : XX/XX/XXXX Balance : {$370.00} ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-23
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. (TX)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$3800.00} ; XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$93.00}.
Consumer complaint received 2023-04-12
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: EQUIFAX, INC. (IN)

In accordance with the Fair Credit Reporting act XXXX XXXX acct XXXX ( total {$1500.00} originating from XXXX 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. I have attempted numerous times over several years to have this issue corrected with no relief and it is hindering my ability to purchase a home as a single mother with no support from the other parent
Consumer complaint received 2022-11-23
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: EQUIFAX, INC. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (AZ)

Citi bank credit card company agrees they owe me a refund of {$5.00}. However, while they insist upon sending me a check in the mail... they never do. Numerous emails, phone, and online chats indicate they will send the money, but it never arrives. Companies such as this one prefer not to apply refunds to the balance I owe them. Apparently, their policy dictates that refunds need to be sent by post. What is holding the process?
Consumer complaint received 2023-05-27
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. (WI)

I am writing to dispute the following inquiries and asking for their removal from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-08
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)

I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than XXXX business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (CA)

I purchased international flight tickets with XXXX XXXX in Chase Travel on XX/XX/2022, a roundtrip from XXXX to XXXX for {$1500.00}. On XX/XX/2022, exactly a week before my intended travel date of XX/XX/2022, my friends who are traveling on the same flight but purchased tickets directly from the airline received an email about a flight change - a leg of the departure flight got cancelled so the airline automatically rescheduled us on a different flight. But the new flight schedule conflicted with the second leg of the departure flight, so the airline instructed my friends to call customer service. However, I did not receive any alert from Chase Travel at all about this exact situation. In the following days, I tried calling Chase Travel to help me reschedule with the airline, as I can't call the airline directly since I booked on a third party site. Through the multiple conversations I had with different agents, I got mixing answers on what the solution could be. I asked to escalate the case as my travel date was coming up, and I was promised a call-back from a manager, but I never received that call either. A Chase Travel agent told me they couldn't get in contact with XXXX XXXX, and another told me XXXX XXXX can't rebook me on another flight because there are no other available flights. 

At the end, I was forced to cancel my entire roundtrip ticket, and buy another new roundtrip ticket 4 days before the departure date, which costs {$3100.00}. The agent advised me to file a trip cancellation claim since the Airline cancelled the ticket. However, the claim was not accepted because the cancellation reason did not meet the terms, and Chase refuses to adjust the price to refund me the difference of {$1600.00}. 

I was then advised by Chase to contact XXXX XXXX directly for reimbursement/compensation. Interestingly, XXXX XXXX responded that they informed the travel agency ( in this case, Chase Travel ) of the flight cancellation on XX/XX/2022, in which I didn't receive any notification from Chase after this date. Furthermore, in their record, the travel agency did not " reach out to XXXX XXXX for guidance on alternate flight options. '' Overall, I'm very disappointed in the service I received from Chase Travel. Not only did they force me to pay more than double for my flight, they also relayed inaccurate message to me from the airline. When an airline cancels a flight, I'm entitled to either a full refund or get rebooked on another flight for free. However, I simply wasn't provided with the second option at all, even though I strongly demanded it. 

I already contacted Chase about this situation multiple times, but the best they're willing to do is give me 20,000 Ultimate Reward points, which equates to {$200.00} in cash value. But I paid {$1600.00} more out of pocket for this whole situation.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I had a job loss and I still kept sending money that was being applied to the wrong account. Finally they repossessed the car, I paid the balance of {$600.00} to get the car back. 

Then they made a payment arrangement with me after correcting their mistake. They gave me the same account number I had for years and they were not applying my payments to that account, because supposedly it was not my account. They found the money that they were not applying, because my bank had to get involved to clarify the discrepancy that they caused. 

They then made a payment arrangement but have been reporting my payments late and refuse to correct their mistake. 

Please I need your help because this has severely impacted my credit history and score.
Consumer complaint received 2022-11-23
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. (MO)

In accordance with the 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 XX/XX/XXXX {$490.00}, The XXXX XXXX XXXX XXXX XXXX ) {$810.00} XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  ) {$260.00} XX/XX/XXXX, XXXX XXXX XXXX  {$410.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$620.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$820.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX {$2000.00}, Department of EducationXXXX XXXX. 

15 USC 1681 section 602a. states I have the right to privacy.

15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency mau make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to consumer to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-20
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IN)

I am writing to bring to your attention the outcome of a recent investigation into inaccuracies in my Experian credit report. The investigation confirmed that certain items in my credit report lack proper documentation and verification, in violation of the Fair Credit Reporting Act ( FCRA ). 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-10
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. CREDITOR-1.USDOEXXXX Account # XXXX CREDITOR-2. XXXXXXXX XXXX Account # XXXX CREDITOR-3XXXX XXXX XXXX  Account # XXXX **CREDITOR-4.XXXX  XXXX Account # XXXX CREDITOR-5.DEPT OF EDUCATIONXXXX Account # XXXX CREDITOR-6.XXXX XXXX XXXXXXXX Account # XXXX CREDITOR-7. XXXX XXXX XXXX Account # XXXX CREDITOR-8.XXXX Account # XXXX15 U.S.C 1681 Section 602 A states that 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2015-10-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: NATIONSTAR MORTGAGE LLC (CA)

I send Nationstar a debt validation letter on XXXX and i did not get any response, i send them a reminder on XXXX and still no response even though under law they have to respond. 
I called them on XXXX and they would not give me any information. 
Please help, i need this information for my litigation
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have been trying to dispute a late payment on my Equifax credit report for 6 years. They are showing a late payment on a mortgage with XXXX XXXX XXXX from XX/XX/2018. XXXX and XXXX do not show this late payment. I supplied Equifax a copy of a letter from XXXX state the late payment was in error due to XXXX XXXX. Equifax refuses to update this account.
Consumer complaint received 2022-12-08
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. (MD)

In accordance with the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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
Consumer complaint received 2023-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

the problem started on XX/XX/XXXX when i got a text about a loan offer. i was looking for a loan at the time so i text back they end up callingf me.this person got my banking username and password started making claim reversalsd on my account asks me to transfer the money to his XXXX account the amount was {$980.00} and another transaction of {$500.00} also to XXXX account all this done on apruil XXXX and XXXX. the person kept calling my XXXXXXXX  making claims thebn XXXX would call me back and wouyld say that i needed to wire him the money to his XXXX XXXX accounts in order for me to get the loan so i transferred the money from my XXXX account to XXXX XXXX accounts he asked me to send it to i have all the text messages the screenshots all the screenshots of the XXXX XXXX  accoiunts how much i sent. a total of {$2000.00} i sent to bthe XXXX XXXX accounts from my checking account that does not include the total amkount i sent to the XXXX XXXX. i contacted my bank on XX/XX/XXXX to report the fraud. the bank kept making reversals after the XXXX of XXXX i counted a total of around XXXX claimas made iun 2 days. i dont see how the bank didnr realize something wrong never put up a red flag never sent me no notification abo8ut these transactions or claims that were being made and now im being charged fore all this