davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (FL)

It has come to my knowledge that this loan company has been doing fraud within my account. Multiple information is incorrect and I have notified the company so that they understand that they are garnishing my credit. It is reported on my credit report that my last payment was for {$340.00} in XX/XX/XXXX. XXXX, that I have a remaining balance of {$10000.00}, that my payments were $ XXXX monthly and that the terms are 74 months. The months reviewed are also off. On XXXX it shows XXXX, on XXXX, it shows XXXX I also noticed that there has been an increase in the XXXX XXXX on XX/XX/XXXX it was {$6700.00}. Today, XX/XX/XXXX, it shows {$7100.00} May I also add that my balance seemed to decrease slowly every month however, I made no payments.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-03-20
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: Experian Information Solutions Inc. (TX)

Im trying to purchase a home and XXXX and Experian are reporting OLD accounts on my credit file, and I have reached out for them to remove these items, but they will not remove these items. And according to the Law Under 15 USC 1681b, consumers have the right to dispute inaccurate or incomplete information on their credit reports, and I am exercising that right in this instance. 

They are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Per my several attempts to resolve the inaccurate, incorrect information reporting on my credit reports the consumer credit agencies as well has the furnishers is in violation of FCRA, My rights as a consumer is in fact being disregarded despite my continually efforts for this matter to be resolved before taking legal action. XXXX XXXX XXXX is reporting a collection on my XXXX XXXX and XXXX and is in direct violation refusing validation despite my request. Also this company is not authorize to do business in the state of Georgia. My request is that these collections are proven validate with an contractual written agreement between this company and myself or the original written copy of the contract from the company the are claiming to represent with my wet signature or delete these collections from my report immediately. Account reporting as charge offs and other accounts are also showing inaccurate and incorrect names addresses and other harmful adverse information. Please delete all accounts immediately. I have attached proof of all violations along with documentation to serve as evidence before taking legal action.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am reaching out to address potential errors on my credit report. I kindly request your thorough examination of the following information to ensure its accuracy, timeliness, completeness, and verifiability. 

I have no knowledge of the accounts listed below and therefore request an investigation into their origin. I possess no documents such as a police report or fraud affidavit pertaining to these accounts. Additionally, please verify that they are not untimely, incomplete, inaccurate, or unverifiable. 

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: Dobberstein Law Firm, LLC (IL)

I received an email from my employer regarding a wage garnishment to take 20 % of my payroll check. The letter was sent from a company by the name of Dobberstein Law. I have no knowledge of this company and have never heard of them. I emailed my payroll and informed them that I am requesting for them to stop the wage assignment as I do not know who this company might be. My payroll is not enough to even pay my current bills let alone be garnished by a company I have no knowledge of. I am submitting this for complaint because I have tried to reach out to this company with no response other then receiving robotic calls. I am asking for this wage assignment to be reviewed immediately. Thank you
Consumer complaint received 2021-06-28
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. (NV)

The following accounts that the 3 major credit reporting agencies are reporting has no factual relevance to me or my credit files. These accounts are fraudulent and has been mis reported on my file every since my identity has been compromised. I'm demanding that these accounts be removed immediately from my files. 

1. XXXX XXXX XXXX XXXX # XXXX 2. XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-05-07
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. (TN)

I have contacted XXXX and TransUnion Credit reporting agencies in reference to inaccurate account balances on my credit report. I have done a thorough research myself and I have discovered that XXXX and TransUnion did update the accounts showing updated payment dates, but inaccurate account balances. I have disputed several times in this matter. 
XXXX XXXX {$0.00} XX/XX/2023 XXXX XXXX {$0.00} XX/XX/202XXXX XXXX XXXX  {$0.00} XX/XX/2023 XXXX XXXX {$0.00} XX/XX/2023 XXXX XXXX XXXX XXXX  {$0.00} XX/XX/2023 XXXX XXXX XXXX XXXX  {$0.00} XX/XX/20XXXX XXXX
Consumer complaint received 2023-10-27
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (TX)

Incorrect information was reported by LexisNexis Risk Solutions : * XXXX XXXX XXXX and/or court data ( XXXX ) - provided by a consumer reporting agency * XXXX XXXX XXXX XXXX XXXX XXXX XXXX - provided by a consumer reporting agency Driver : XXXX XXXX Description : at fault accident Date : XX/XX/2021 Source/Consumer reporting agency : XXXX XXXX/LexisNexis Driving history and claim information provided by the following consumer reporting agencies : LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX
Consumer complaint received 2023-12-14
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. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
COURTESY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/XXXX, I realized that this account was a result of an identity theft that took place and this person was making payments on the account since XX/XX/XXXX. My voice was impersonated along with my computer being stolen and this same person opened up other credit cards along with other loans. This has impacted me greatly in terms of getting employment, a vehicle and an apartment as I have been homeless for a year. I just want this to be over with so that I can move on with my life and this problem has caused me great mental anguish.
Consumer complaint received 2023-07-07
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. (MI)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-14
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. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2023-07-10
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)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-03-15
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records Please block/remove these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I sent a letter on ( XX/XX/2024 ) to remove items 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 ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,
Consumer complaint received 2023-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Helvey & Associates, Inc., Warsaw, IN Branch (TX)

These people had been informed that the debt they refused to remove from my credit report was included in a XXXX. XXXX that has since been discharged. I have filed several disputes with the credit bureaus about this error, and Helvey and Associates continue to break the law by attempting to collect on a debt included in XXXX XXXX. 

The law clearly states that all collection activities regarding debts listed in XXXX  XXXX are illegal, yet they continue to harass me and disregard this fact. They even questioned that I was telling the truth about the debt, assuming that since I have an ethnic name I'm automatically lying about it. 

These people are XXXX, XXXX, rude, and disrespectful. Be careful dealing with them.
Consumer complaint received 2018-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (GA)

XX/XX/2018 I WAS REPORTED LATE - WITH DISCOVER CARD - I WAS NOT LATE - THERE SYSTEM DID NOT ALLOW ME TO PAY ONLY ONE PAYMENT METHOD BY CHECKING ACCOUNT - I DO NOT HAVE A CHECKING ACCOUNT AND THEN THEY SENT ME AN EMAIL TO SIGN UP FOR A LOWER PAYMENT AND SPREAD IT OVER 3 OR 4 MONTHS AND FIRST PAYMENT HAD TO BE MADE BY XX/XX/XXXX I TRIED TO DO THAT AND WOULD NOT ALLOW ME TO PICK THE DATE 0 THE SAME DAY I FINALLY GET A REP THEY REPORTED - THIS IS NOT VALID REPORTIING - THEY STATED THT MY CYCLE REPORTED ON XX/XX/XXXX AND I ATTEMPTED SEVERAL TIMES TO MAKE A PAYMENT THE EMAIL WAS SENT XX/XX/XXXX I TRIED TO MAKE A PAYMENT ON THAT DATE ACTUALLY THE WEEK BEFORE, SO IF THEY TRACK EVERY TIIME WE LOG INTO OUR ACCOUNTS THEY NEED TO PULL THAT INFORMATION AS WELL AS THE PHONE CALLS OF ME ASKING OTHER FORMS OF PAYMENT AND NO ONE EVERY GIVING ME ANY OTHER FORMS BESIDES. THIS N IS NOT MY FAULT I WAS NOT LATE - I WAS ABLE TO MAKE PAYMENT PRIOR TO XX/XX/XXXX AND WAS NOT ABLE TO DO TO THE SYSTEM - ERROR - I CONTACTED DISCOVER CARD THEY STATED THAT THEY CAN NOT REMOVE THE LATE UNLESS IT WAS THERE FAULT - WHEN I TRIED TO DO THIS PRIOR TO AND WASNT ABLE TO DO THE PAYMENT DUE TO SYSTEM ERROR THAT IS THERE FAULT NOT MINE - I TRIED TO FULFILL MY OBLIGATIONS - AND YET I AM BE PENALIZED FOR THERE SYSTEM ERROR, WHICH IS NOT FAIR I TRIED EVERYDAY THE WEEK OF THE XXXX - TO PUT THE INFO IN AND DID NOT TAKE IT, I WOULD LIKE ALL CALLS PULLED ON WHEN I ASKED FOR OTHER FORMS OF PAYMENTS AND WAS TOLD THAT I HAD TO SIGN ON LINE OR THEY CAN DO IT OVER THE PHONE. TODAY XXXX   THE REP - SAID OH YOU CAN MAKE A PAYMENT THRU XXXX XXXX - I HAVE NEVER BEEN LATE AT ALL ON THIS ACCOUNT SINCE I HAD IT - I HAD ONE ISSUE WITH MY PREPAID ACCOUNT AND THEY DO NOT ACCENT THAT ACCOUNT AND THAT IS IT. DISCOVER CARD CLEARLY CAN ASSIST BECAUSE IT WASNT MY FAULT WHEN I TRIED TO DO HAS THEY ASKED,. THE SUPERVISOR EXPLAIN THT HE CAN FLAG MY ACCOUNT FOR DISPUTE - THAT IS, - THIS IS DEFINITELY UNJUST AND EFFECTING ME TREMENDOUSLY. MY CREDIT SCORE AS DROPPED TREMENDOUSLY I WAS UPDATE DXX/XX/XXXX ON XXXX MEAN WHILE THAT DAY I FINALLY WAS ABLE TO GET SOME ONE, WHO DID NOT SET ME UP FOR WHAT DISCOVER CARD EMAILED ME - BUT FOR A REGULAR PAYMENT AND STTD THT IT WONT UPDATED AGAIN UNTIL AFTER THE XXXX - THIS IS A COMPLAINT THAT NEEDS TO BE LOOK UPON BECUASE IF I TRIED TO MAKE THE
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I sent XXXX XXXX a negotiable instrument as the holder in due course with instructions to pay the bill and leave the credit card open for future use for personal, family and household purposes. I signed with Surname, given name and the account was immediately closed. XXXX  XXXX is in violation of 12 CFR 1007.2 ( b ) and ( c ). The account is fraudulent due to XXXX XXXX 's failure to include 10-point bold face notice pursuant to 16 CFR 433.2. 

Acct. Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Surname XXXX XXXX XXXX name XXXX XXXX Without Recourse, all rights reserved. UCC 1-308
Consumer complaint received 2023-03-16
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: SANTANDER HOLDINGS USA, INC. (FL)

In accordance with Fair Credit Report Act the creditor has violated my Rights! Under Act 15 U.S.C.1681 section 602 says '' I have the right to Privacy ''. 15 U.S.C. 1681 Section 604A section 2 " It also states a consumer reporting agency can not refurnish an account without my written instructions ''. Under 15 U.S.C.1666B " A creditor may not treat a payment on a car payment account under an open and consumer credit plan as late for any purpose ''. 

Santander Consumer USA
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (GA)

1XXXX XXXX XXXX  balance {$940.00} no action was taken by the company 2.PYOB balance {$750.00} no action was taken by the company XXXX ) XXXX XXXX {$1100.00} no action was taken by the company 4 ) XXXX XXXX XXXX balance {$280.00} no action was taken by the company 5 ) XXXX XXXX XXXX XXXX  balance {$230.00} no action was taken by the company
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: FC HoldCo LLC (AL)

I ask my car loan company why my payments hasnt reported to my credit report in 5 months I havent got an answer and as of today my on time payments of months hasnt reported to my credit report
Consumer complaint received 2023-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (CA)

There were a number of fraudulent charges made on my account back in XX/XX/XXXX, totaling around {$1500.00}, I do not remember the exact amount since it has been so long. I reported the charges and opened a dispute, and they started a review and began refunding the fraudulent charges to my card. I think the full amount was credited back to my account but they never completed the review and gave me full report, so I don't know for sure. My card has now been locked for a year and a half, after they initially said the review would take 4-8 weeks. The last balance adjustment I can see on my account happened back in XX/XX/XXXX. I have tried contacting them to get updates on their review several times, probably more than 10 times, over this time period and they have given no updates. Every time I ask them when my review will be completed, they say they have no update, and they will let me know when the review is complete. I have continually asked to have the issue elevated and speak to a manager and file a complaint but they repeatedly say there is nothing else they can do. The attachments are an example of the responses I have gotten every time I reach out to them for an update.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

XXXX  Account # XXXX XXXX XX/XX/XXXX Collection/ Written off amount {$2900.00} XXXX Account # XXXX Date- XX/XX/XXXX Charged off account amount {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XX/XX/XXXX Closed written off. {$19000.00} I believe these charges offs have been reported in violation of the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX compliancy requirements. 
I believe the information also reported here is inaccurate, incorrect, incomplet, and misleading. As a result my credit has been unfairly affected. 
also violating below acts 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 an account without my written instructions.
Consumer complaint received 2023-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (TX)

I have Wells Fargo credit card. I have setup automated payments. 
Why the payment for card ending in XXXX was not done on time? It is showing late by XXXX  days. Then finally i need to do manual payments.