davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-31
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. (NY)

I sent a letter on XX/XX/2022, to remove ( personal information, address, accounts name & account Number ) that is 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 accounts or information not later than 4 business days after the XXXX XXXX. Ive already included this in my previous Complaint XXXX, XXXX, XXXX and I am including these again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-05-31
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. (NY)

I sent a letter on XX/XX/2022, to remove ( personal information, address, accounts name & account Number ) that is 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 accounts or information not later than 4 business days after the XXXX XXXX. Ive already included this in my previous Complaint XXXX, XXXX, XXXX and I am including these again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-12-18
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. (IL)

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 XXXXXXXX Collection XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$3800.00} XXXX. XXXX XXXX XXXX XXXXXXXX XXXX {$3400.00} {$3.00}. XXXX  XXXX XXXX XXXX XXXX {$1100.00} {$4.00}. XXXX XXXX : {$5900.00} 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 2023-04-09
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. (CA)

As a victim of fraudulent activity related to an opened car loan that I did not authorize, I am very concerned about the impact this has had on my financial wellbeing. According to the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), I have the right to dispute any fraudulent information on my credit report and seek restitution for any damages caused by the fraud.

Under FCRA section 1681g, I am entitled to receive a copy of my credit report from all three major credit bureaus and review it for accuracy. If I find any inaccuracies, I have the right to dispute them with the credit bureau and the creditor that provided the information. Additionally, under FCRA section 1681e, creditors and credit bureaus have a duty to ensure that the information they report is accurate and up-to-date. In this case, the car loan that was fraudulently opened in my name should not have been reported to the credit bureaus without my consent, and any negative impacts to my credit score resulting from this fraudulent activity should be rectified.

Furthermore, under TILA section 1641, if the creditor sells or assigns the car loan to another party, they are required to notify me in writing of the transfer within 30 days. If the creditor fails to provide this notification, I have the right to rescind the loan for up to three years after the loan is made. Given that I did not authorize the opening of this car loan, it is unlikely that I received the required notification of transfer, which may give me further grounds to challenge the legitimacy of the loan.

As a victim of fraud, I should not be held liable for any debts incurred without my knowledge or consent. According to the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are prohibited from engaging in any abusive, deceptive, or unfair practices in attempting to collect a debt. This includes attempting to collect a debt that is not owed or attempting to collect an inflated amount. If the car loan in question was fraudulently opened and I did not benefit from the proceeds of the loan, I should not be held responsible for repayment of the loan or any associated fees or interest.

In light of these laws and protections, I urge the creditor and any collection agencies involved in this matter to take swift action to rectify this situation. I should have a provisional credit added to my account for the full amount of the fraudulent loan, and any negative impacts to my credit score resulting from this fraudulent activity should be removed. I also request that the creditor and any collection agencies cease all attempts to collect on this debt until the matter is resolved and I am provided with sufficient evidence that the debt is valid and owed by me.

Thank you for your attention to this matter, and I look forward to a swift and satisfactory resolution to this issue.
Consumer complaint received 2024-02-20
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (IN)

On XX/XX/2024 I had spoke with Credence Resource Management LLC regarding a debt that is owed. They had stated my debt ( approximately {$1900.00} ). They told me that if I was willing to pay my debt, they would take approximately {$500.00} off of my bill. I stated that I am willing to pay my debts, but needed to speak to them on Monday, XX/XX/2024. 
On XX/XX/2024 at approximately XXXX ( XXXX ) XXXX, I had received another phone call from Credence, even after having an appointment to speak to them about this issue. I immediately requested to speak to the supervisor, XXXX XXXX. 
I told XXXX XXXX everything that has happened yesterday with the agreement, and that the staff member stated that it would be noted to talk to me on XX/XX/XXXX. I told XXXX XXXX that I am filing a complaint because at this point I will not be contacted repeatedly by the company after attempting to set up a payment when I can. It is truly sad that I am trying to do the right thing and pay my debts, but this company will not listen to me.
Consumer complaint received 2020-12-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paypal Holdings, Inc (FL)

In the beginning of XX/XX/2020 I tried to pay off a credit debt to PayPal but instead I transferred the money to someone I didn't know. I called PayPal since the transfer hadn't processed yet. So they said they couldn't stop the transfer but I could call the bank to do a stop payment and they would be able to handle it as an internal affair. So I did, I paid off the credit debt owed to PayPal. But now my account was XXXX $ so I called and it was a different person they said I had to at least contact the person who I sent the transfer to before they could do anything ; and they could only give me an email to contact them. I emailed them and the the email itself did not exist. I call a third time and now they said that its not in their policy and that if they didn't give the money back I would owe the XXXX .
Consumer complaint received 2017-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

Home mortgage with Wells Fargo. Mo pmt is about {$650.00}. I pay {$350.00} every two weeks through auto deductions. Problem is that WF keeps the first {$350.00} and holds it until the second {$350.00} pmt is rec 'd and then they post a pmt to my acct. Should n't I get interest for two weeks worth of {$350.00}? -OR- Should n't I get credited immediately for each {$350.00} pmt they receive? WF just tells me it 's the way they do business. -OR_ Would it make more sense to pay {$700.00} every four weeks. The goal is to pay a bit more than I owe each month and to get in an extra payment every year.
Consumer complaint received 2022-05-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo closed my business account without notice and sent my funds with over {$3500.00} to the wrong address. All of my paperwork and forms have the correct address so an employee inputed the wrong address on my account causing domino effect of issues. 

I attempted to get Wells Fargo to correct the mistake by updating the address and resending my check. However, no person that Ive spoken to can seem to help me. They set me up with two different bankers at two different banks and neither of them could help me retrieve my missing money. They both suggested the best option was to call Customer Service. Ive spoken to over a dozen customer service representatives and I keep getting different information but no resolutions to obtaining my money. There is no set protocol because ever is giving me different answers. Now because my money is somewhere missing I have been unable to make money for my business because I am unable to buy the products and pay for the services I need to run my business weekly. I have therefore not made any money because of this in almost two weeks. I just want my money. Im nearly running out of food and options. I need my money!
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

Contacted company to report that my name, address and employer were incorrect and there's been no action. My personal information ( eg : name and address ) should be reported as stated on my Driver 's License which is included in this complaint for identify purposes.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2022-05-31
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)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 requeseting to update and correction of these suspicious accounts I found on my Credit Report. Upon reviewing a copy of my updated credit Report, the previously disputed accounts are still reporting erroneous information on my Credit File. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaints, and I'm including them again. XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$400.00} ; XXXX  XXXX XXXX XXXX Balance {$600.00} ; XXXX  XXXX XXXX XXXX Balance {$7200.00} ; XXXX XXXX XXXX XXXX Balance {$1000.00} ; XXXX  XXXX XXXX XXXX Balance {$3600.00} ; XXXX XXXX XXXX XXXX Balance {$6400.00} ; XXXX XXXX XXXX XXXX Balance {$4600.00} ; XXXX  XXXX XXXX XXXX Balance {$3000.00} ; XXXX  XXXX XXXX XXXX Balance {$6100.00} ; XXXX XXXX XXXX XXXX Balance {$5700.00} ; XXXX XXXX XXXX XXXX Balance {$2900.00} ; XXXX  XXXX XXXX XXXX Balance {$2800.00} ; XXXX  XXXX XXXX XXXX Balance {$4200.00} ; XXXX  XXXX XXXX XXXX Balance {$2800.00} ; XXXX  XXXX XXXX XXXX Balance {$2300.00} ; XXXX  XXXX XXXX XXXX Balance {$1100.00} ; XXXX XXXX XXXX XXXX Balance {$2800.00} ; XXXX XXXX XXXX XXXX Balance {$250.00} ; XXXX  XXXX XXXX XXXX Balance {$5800.00} ; XXXX XXXX XXXX XXXX Balance {$3200.00} ; XXXX XXXX XXXX XXXX Balance {$4100.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance {$1300.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$7500.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$0.00}
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc (ND)

On XXXX XXXX my card was used 3 times at the same XXXX station in XXXX FL for a total of {$68.00} and then early on XX/XX/XXXX my card was charged at XXXX for {$10.00}. My card has not been out of my possession and I have not traveled to XXXX, FL in the past 10 years or so. I filed a dispute and it was declined by Chime Financial in less then 24 hrs.
Consumer complaint received 2022-05-31
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)

Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. I sent a letter on XX/XX/XXXX to remove the inaccurate personal information : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX accounts : XXXX  XXXX XXXX Balance {$0.00} ; XXXX XXXX  XXXX XXXX Balance {$530.00} ; XXXX XXXX  I XXXX Balance {$500.00}, and inquiries : XXXX Inquired on XX/XX/XXXX ; XXXX/XXXX/XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX/XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX are UNKNOWN to me . I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are required to remove and block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX, and I am including them again.
Consumer complaint received 2022-05-31
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: Experian Information Solutions Inc. (MD)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
items ; Experian : DEPTEDXXXX  XXXX Balance : {$1500.00} DEPTEDXXXX XXXX Balance : {$1600.00} DEPTEDXXXX XXXX Balance : {$1700.00} DEPTEDXXXX XXXX Balance : {$2600.00} DEPTEDXXXXXXXX XXXX Balance : {$2100.00} DEPTEDXXXX XXXX Balance : {$2100.00} DEPTEDXXXX XXXX Balance : {$1200.00} XXXX  XXXX XXXX Balance : {$8700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy XXXX Date Reported : XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Reported : XX/XX/XXXX XXXX : DEPTEDXXXX XXXX Balance : {$1500.00} DEPTEDXXXX XXXX Balance : {$1600.00} DEPTEDXXXX  XXXX Balance : {$1700.00} DEPTEDXXXX XXXX Balance : {$2600.00} DEPTEDXXXX XXXX Balance : {$2100.00} DEPTEDXXXXXXXX XXXX Balance : {$2100.00} DEPTEDXXXX XXXX Balance : {$1200.00} XXXX  XXXX XXXX Balance : {$8700.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX  XXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy XXXX Date Reported XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Reported XX/XX/XXXX XXXX : DEPTEDXXXX XXXX Balance : {$1500.00} DEPTEDXXXX  XXXX Balance : {$1600.00} DEPTEDXXXX XXXX XXXX : {$1700.00} DEPTEDXXXX XXXX Balance : {$2600.00} DEPTEDXXXXXXXX XXXX Balance : {$2100.00} DEPTEDXXXX XXXX Balance : {$2100.00} DEPTEDXXXX  XXXX Balance : {$1200.00} XXXX  XXXX XXXX Balance : {$8700.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} Chapter XXXX Bankruptcy XXXX Date Reported XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Reported XX/XX/XXXX
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

a complaint and certified letter was sent to experian and I have not received the results via mail. I HAVE NO BANKRUPTCY AND NO INQUIRIES. YOU MUST REMOVE THIS IMMEDIATELY un-authorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX DEBT INCLUDED IN OR DISCHARGED THROUGH XXXX XXXX XXXX XXXX, or XXXX XXXX through XXXX XXXX XXXX
Consumer complaint received 2022-05-31
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. (MD)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
items ; XXXX : DEPTEDXXXX XXXX Balance : {$1500.00} DEPTEDXXXX XXXX Balance : {$1600.00} DEPTEDXXXX XXXX Balance : {$1700.00} DEPTEDXXXX XXXX Balance : {$2600.00} DEPTEDXXXX XXXX Balance : {$2100.00} DEPTEDXXXX XXXX Balance : {$2100.00} DEPTEDXXXX XXXX Balance : {$1200.00} XXXX XXXX  XXXX Balance : {$8700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy XXXX Date Reported : XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Reported : XX/XX/XXXX XXXX : DEPTEDXXXX XXXX Balance : {$1500.00} DEPTEDXXXX XXXX Balance : {$1600.00} DEPTEDXXXX XXXXXXXX Balance : {$1700.00} DEPTEDXXXX XXXX Balance : {$2600.00} DEPTEDXXXX XXXX Balance : {$2100.00} DEPTEDXXXX XXXX Balance : {$2100.00} DEPTEDXXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$8700.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy XXXX Date Reported XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Reported XX/XX/XXXX TransUnion : XXXX XXXX Balance : {$1500.00} DEPTEDXXXX XXXX Balance : {$1600.00} DEPTEDXXXX XXXX Balance : {$1700.00} DEPTEDXXXX XXXX Balance : {$2600.00} DEPTEDXXXX XXXX Balance : {$2100.00} DEPTEDXXXX  XXXX Balance : {$2100.00} DEPTEDXXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$8700.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} Chapter XXXX Bankruptcy XXXX Date Reported XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Reported XX/XX/XXXX
Consumer complaint received 2024-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alorica Inc. (OH)

Received a letter in the mail which appears to be a statement regarding an ongoing installment payment program for a large loan/debt ( Current balance : {$11000.00}, it says ). It is made to look like my debt holder is some company called XXXX, and like they received my last installment payment of {$540.00} on XX/XX/XXXX. It says my next payment of the same amount is due XX/XX/XXXX, and includes a tear-off section at the bottom of the letter, with the heading : " To avoid delays in handling please do not include correspondence with your payment. PLEASE RETURN THIS PORTION WITH YOUR PAYMENT. '' I do not owe such debt. The whole thing is made up. It is a scam. The letter uses my name and asks me to print my " XXXX account number on [ my ] check '' ( a made-up account number is provided on the letter ). The address the check is to be sent to is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. Supposedly I can view my account information and even sign up for automated payments at www.accountinfo.com. ( lol )