<prompt> Human: My wife had a car financed through a bank that claimed she paid late 5 times in the last 2 years. She went to the bank and they provided statements and copies of personal checks ALL on time and paid above the minimum due. Now said bank is already being sued by another group to my knowledge but what we have in documentation is so black and white i dont even see how they can fight it. My wifes credit is terrible due to this they claimed she was more than 30 days late on several occasions and shes unknowingly paid lots of money in late fees. I understand we can probably dispute the harm its done to her credit. What steps do we take to get all the late fees reimbursed? Edit: grammar  <response>: I would contact your states department of banking and insurance if youre getting no where with the bank itself to see if they can get those remarks removed by the bank. 