davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/2023
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate 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
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts need to removed. 
I sent XXXX, Transunion and XXXX a letter opting out of all Authorizations I may have given them. I gave them time and they have not complied. They are in violation. 

Attached below is the letter sent
Consumer complaint received 2022-11-07
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX & also XXXX Account 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 instuctions.
Consumer complaint received 2024-01-18
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. (NJ)

l, the consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 also please note I am the natural person writing this statement with no help with a 3rd party. the accounts on my report are inaccurate and needs to be remove XXXX shows a incorrect balance and last date of activity is also inaccurate XXXX XXXX last verfied and date of last activity are also inaccurate. XXXX XXXX date of last activity and date open are inacurrate. 15 USC 1681e ( b ) Accuracy of report 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. Also 15 USCi ( 5 ) says Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly 15 USC 1681 S-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 2023-07-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (CA)

On XX/XX/XXXX Chime had locked my account for unusual activity, my acting balance at that point was {$32000.00}. I did all the necessary paperwork and showed proof of my transactions and that the money was from my tax refund. I had sent in the files through XXXX.
Consumer complaint received 2023-05-29
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. (WY)

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, to 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hi my name is XXXX XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-01-18
Product: Credit reporting 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. (MD)

I need you to attend the following show items in this letter which contains data taken directly from my credit report which you have provided. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete this unconfirmed inquiry lacking certifiable evidence unless physically certified proof is demonstrated per U.S. CODE U.S.C. {$1600.00} XXXX XXXX Section 604 of Fair Credit Reporting Act.

Once you have furfilled my request mail me an updated credit report reflecting these changes. I do not recognize any of these inquiries, please remove.
Consumer complaint received 2020-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NEW YORK COMMUNITY BANCORP INC (OH)

My bank - OHIO SAVINGS BANK - part of New York Community Bank - put a flag on my account regarding my change of address - problem is - 1 ). I already changed my address with them 7 months ago and have been receiving statements at my new address and doing all my banking this entire time, 2 ). they froze my bill pay and ATM and never told me in advance - I found out when I tried to log on to my bill-pay!!! this happened approximately XX/XX/2020.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

To Whom it May Concern : I recently pulled a copy of my credit report and noticed the following information are in error : Name And Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  With the amount of identity theft going on , I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (NV)

On XX/XX/2023 US BANK agreed to refund a {$36.00} overdraft fee after stating that I should not incur the fee because I have the ability to bring the account current before XXXX close of day and the fee will reverse back into my acct the same night. I followed the instructions and immediately brought the account current but never received the fee reversal. Previous to this, another cust serv agent stated I would not incur an overdraft fee because the overdraft charge was under {$50.00}. At this point I've been given two very different reasons why I should not have incurred an overdraft fee. To date I have not received the reversal of fee and have now been compounded with another {$36.00} fee as another item was returned because I did not receive the fee reversal as promised. I am now out of {$72.00} dollars because of being misinformed and misled and misdirected by US BANK agents. US BANK now says that I was misinformed on 3 occasions and will not be receiving {$36.00} overdraft refund because I have a BUSINESS account and those courtesies I was told ONLY APPLY TO PERSONAL ACCOUNTS. On 3 separate occasions from 3 totally separate agents I was misinformed. Seems to me that US BANK has a problem with their training and reps. US BANK told me during my final conversation that this is not their responsibility and that agents can tell customers anything they want and it doesn't hold them accountable for what they've conveyed. US BANK said it's all my fault for not managing my account. I have spoken with US Bank several times to this date to no avail with the final cust serv agent ensuring me she would have that fee back into my account and apologized for the consistent chain of misinformation I had received from previous agents. To date I am owed {$72.00} in fees. Had US BANK provided accurate information on the first call, we would not be in this situation. A company that trains their employees to tell customers ANYTHING and not worry about consequence explains why I received misinformation 3 times.
Consumer complaint received 2024-01-18
Product: Credit reporting 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. (NJ)

According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2023-05-29
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)

Stop reporting this account for inaccuracy XXXX  XXXX the date last active is not consistent between all 3 bureaus : XXXX reports XX/XX/2020, XXXX reports nothing, and TransUnion reports XX/XX/2020. How does this meet FCRA regulations when all data furnished should be the same? Also, this account was never verified. Due to violation of 15 US Code 1681a ( 4 ) I am demanding that this account be removed. If this is not removed within 15 days I will be taking this to small claims court. I am not asking for the information to be updated, I am requesting that it is removed due to incorrect reporting. Please see a copy of my credit report attached.
Consumer complaint received 2022-11-07
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. (ND)

My leased XXXX XXXX XXXX was totaled on XX/XX/XXXX. XXXX was notified and paid in full on XX/XX/XXXX. XXXX applied the lease payoff in XX/XX/XXXX ( they took a month to record the payoff ). XXXX kept reporting the loan was not paid through XX/XX/XXXX showing arrears. I called XXXX twice in 2 months to correct it. Finally they corrected it with XXXX, but XXXX still proceeded to drop my excellent credit from approximately XXXX to XXXX. THEY NEVER CORRECTED MY CREDIT SCORE. Now the other XXXX agencies are following suit ( XXXX and Equifax ). I have worked HARD for my score to be in the XXXX. THIS HAS TO BE CORRECTED.
Consumer complaint received 2023-07-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX NJ XXXX MORTGAGE COMPANY BSI, CARY MY MORTGAGE XX/XX/XXXX TO XX/XX/XXXX TOTAL 23 MONTHS I HAVE XXXX PAYMENT STATEMENT PAY ON TIME BSI DOWN MY CREDIT SCORE TO - - XXXX MY WIFE AND MY SON AND BSI SAID IF WE DON'T XXXX AND XXXX THESE MONTH WE ALREADY PAID MY HOUSE WILL IN FORECLOSURE
Consumer complaint received 2023-05-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: V and H Portfolio (NY)

On XX/XX/2023 I disputed the completeness and Accuracy of this collection on my consumer report and it has come back verified. I do not believe that Vance & Huffman LLC properly investigated this account because there are obvious inaccuracies. 

Remove this account for inaccurate reporting because the date of the last payment is missing. Since you have of not reported the date of the last payment is messes up two things. First, it shows does not help indicate when this account was actually charged off and secondly it manipulates the statute of limitations as I can not tell when this account is supposed to fall off. This means that you were never given the true date of first delinquency and this is causing me stress being reported Vance & Huffman LLC has violated 15 usc 1681s-2b of the fair credit reporting act. Since they have verified this account as accurate and there are obvious inaccuracies they failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting too
Consumer complaint received 2024-01-18
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. (NY)

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired TransUnion, who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX This is making me lose confidence in the banking system due to these violations. I the consumer does not grant TransUnion. The permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act XXXX XXXX, XXXX, and TransUnion has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
DELETED & REMOVE & UPDATED
Consumer complaint received 2023-03-18
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. (GA)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-22
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. (SC)

On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$130.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$690.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$390.00}, XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$10000.00} ), XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$3200.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$2700.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$4800.00} ), XXXX XXXXXXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2400.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-07-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Duvera Billing Services, LLC (PA)

I had to use XXXX XXXX through Duvera to fix a costly car break down, when signing up it was not made clear that it would have a 135 % interest and now that I have the money to pay off the loan the company is not processing the payment and has already returned it once and it has now come to my auto pay date and the account is now larger than my pay off amount. I was also hit with an additional late fee on XX/XX/XXXX this is a day prior to my scheduled XX/XX/XXXX auto pay date. I feel as though the company is delaying the pay off in order to receive another monthly payment and allowing more interest to build on the account. Customer service has been very unhelpful on this matter.