davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-09
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. (FL)

The inquiries listed in my report were unauthorized .I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-12-09
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. (FL)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-25
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. (TX)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2022-03-25
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-10-27
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. (NC)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality USC 1681. 

XXXX XXXX XXXX  : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, and Regional Acceptance Account # 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 602 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 XXXX years. 

15 U S C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-17
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: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting Act XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Number XXXX, Account Name XXXXXXXX XXXX XXXX  Account Number XXXX, Account Name XXXX XXXXXXXX XXXX XXXXXXXX Account Number XXXX, Account Name XXXX XXXXXXXX XXXX XXXXXXXX Account Number XXXX, Account Name XXXX XXXX XXXXXXXXXXXX XXXX Account Number XXXX, Account Name XXXX  Account Number XXXX, Account Name XXXXXXXX XXXX Account Number XXXX, Account Name XXXX XXXX XXXX XXXX Account Number XXXX, Account Name XXXX XXXX XXXX XXXX  Account Number XXXX XXXX Account Name XXXX XXXX XXXX  Account Number XXXX, Account Name XXXX  Account Number 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 an account without my written instructions.
Consumer complaint received 2022-05-17
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. (NV)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXr XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXr XXXX, XXXX XXXX  XXXXXXXX XXXX XXXXr 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 an account without my written instructions.
Consumer complaint received 2021-10-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX I opened a phone number account with XXXX, my phone was already owned by me so no contract. I was told I would save {$10.00} a month sign up auto pay. I did this and they wouldn't give me the discount. My first bill XXXX XX/XX/XXXX came was charge of {$240.00} for fees and first month cycle. My XXXX XXXX  card paid XX/XX/XXXX {$240.00}. 
XXXX {$88.00}. Paid XXXX XXXX XX/XX/XXXX {$88.00} By now I was told I wouldn't get the discount on auto pay after XX/XX/XXXX so XX/XX/XXXX I cut off the XXXX and went with XXXX  and on XX/XX/XXXX I paid XXXX {$55.00} because it's cheaper than XXXX and no contract XXXX could do so. The XXXX bill stated I Owe XXXX XXXX with XXXX {$0.00}. But I paid my final Bill with XXXX {$88.00} on XX/XX/XXXX because the next bill cycle states XXXX balance due or owed. So it stated from XXXX XXXX balance Now I think this is all clear up good to go nothing owed. I get a surprise in the mail XXXX billing me one time charge {$150.00} I have paid for any equipment in the beginning with a receipt for phone charger and case {$100.00} plus first statement was {$240.00}. Which {$88.00} was for first month and so all equipment was paid for in full. So where is the {$150.00} come from and no one could tell me at XXXX. Then statement XXXX read now {$300.00} a balance past due {$150.00} and one time charge again {$150.00}. What in the world???? No one at XXXX could explain this to me or show me a conversation or contract of this one time fee twice to amount to {$300.00}. So I don't owe it I have the invoice and statement from my bank and XXXX and have ask the Credit Bureau to verify and send me proof of where this fee came about and to this day XX/XX/XXXX. No one had produced it to me. So I digress
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 personally-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 2022-05-17
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. (SC)

On XX/XX/2022 I notified XXXX that they were in direct violation of the FCRA. 
15 U.S. Code 1681b - Permissible purposes of consumer reports This law clearly states that any consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. 
I never provided XXXX with my written consent to furnish this information on my consumer report XXXX XXXX XXXX XXXXXXXX. With that being said XXXX is committing fraud by furnishing my consumer report with this information. I demand that this information be removed immediately. 
Must I remind you pursuant to 15 U.S. Code 1681- Congressional findings and statement of purpose The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Consumer complaint received 2022-05-17
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. (SC)

On XX/XX/2022 I notified XXXX that they were in direct violation of the FCRA. 
15 U.S. Code 1681b - Permissible purposes of consumer reports This law clearly states that any consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. 
I never provided XXXX with my written consent to furnish this information on my consumer report XXXX XXXX XXXX  XXXX. With that being said XXXX is committing fraud by furnishing my consumer report with this information. I demand that this information be removed immediately. 
Must I remind you pursuant to 15 U.S. Code 1681- Congressional findings and statement of purpose The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Consumer complaint received 2022-03-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: PENTAGON FEDERAL CREDIT UNION (GA)

I applied for an auto loan ; my credit score is 810+ with all three credit bureaus. PenFed requested that I provide additional identity proof such as utility bill, driver 's license, passport ( or government issued identification ), social security card in color. I have presented in color the following to verify my identity : Two utility bills in color, social security card in color, and my state gun carrying permit in color. PenFed is refusing to accept my State issued Gun Carrying Permit as identification when their instructions say a government issued ID such as driver 's license or passport. Such as mean that you are not limited to those two items ; but any government ID would satisfy this requirement. I will upload for your inspection their identity requirements and all forms of verification I have sent them. I view this as another way to deny me credit, since they can not base on my credit score of 800+. They refused to accept previously sent documentation in black and white. I had to go to XXXX XXXX to meet their color only requirements and resend them. I have been sending and resending identity documents since XX/XX/2022.
Consumer complaint received 2019-11-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Flat Six Holdings Inc. (IN)

On XX/XX/2019 I went into XXXX in XXXX, Ohio to obtain a short term payday loan. I borrowed {$400.00} on that day and paid the loan in full in the amount of {$440.00} on XXXX XXXX. At no point during that transaction was I informed that Ohio no longer did payday loans and that it was now a line of credit loan. I also have no recollection of being handed any information regarding an annual fee to keep a " line of credit open. '' On XX/XX/2019 I received a phone call from XXXX about an outstanding balance. Upon returning their call I was informed of the annual fee. I was also told I should have received an email regarding that information. After thoroughly searching my email, I have no such email. They directed me to their lender, Crestline Finance. On XX/XX/2019 I called Crestline Finance and spoke to a customer service representative who directed me to her manager, XXXX ( sp ). I was told that if I did not pay the annual fee of {$150.00} in addition to the the {$10.00} credit reporting fee, my account would continue to accrue interest and go to collections. It was explained to me that the interest would not be based on the fee but rather the entire line of credit amount, even though there is no outstanding balance. The explanation was very confusing and repetitive but from my understanding their lines of credit extend to approximately {$1000.00}. I was approved for {$400.00}. The word collateral was used to explain why I would then be charged interest on not only the approval amount but also the remaining {$600.00}. The process was never explained clearly why I would be accruing interest on a loan with a {$0.00} balance, having no interest in " keeping it open. '' I was also told that I am not able to close the account, thus it will keep accruing interest, until I pay the annual fee, which I was not transparently informed of. 

I apologize for the confusing explanation but there wasn't much clarity to from the conversation. I am familiar with lines of credit and in my experience, if you don't use it, you don't pay for it. I realize that {$160.00} seems like it isn't worth this trouble. However, the deceptive practices and confusing/unethical product are worth taking the time to report. Thank you for any help you can provide.
Consumer complaint received 2021-07-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (NY)

Account XXXX. Hi, I have fully paid off my lease as of XX/XX/23. I have been unable to get my title from Ally. They keep promising I will receive it on a certain date but never do. Then they promise it went out XXXX but again never receive it. I sent them {$50000.00} and now I have a car that I still don't own, don't need and can't do anything with yet continue to pay for insurance. I have contacted them over 25 times with no luck. All I want is my Title for the vehicle I own. Seems reasonable. 

Thank you very much XXXX
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an ITEMS passed on that should be taken out. Per FCRA segment 605 CREDIT BUREAU is expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for my letter sent to Bureau previously and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider Credit Bureau 's responsibility. Please delete these items on my report that damages my score. THE XXXX XXXX Date Updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ridge & Valley Realty, Inc. (CO)

i have another report on XXXX- the company is over 7 years, i argued with them several times the department of law confirmed my case and sent me a letter for the company to remove the report off my credit report, they are still showing up under collections, i want this account removed immediately, i have contact a attorney if its not immediately removed will attach my letter
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX I HAS LEFT A DEROGATORY COLLECTION ON MY CREDIT PRO FILE AND I HAVE SPOKEN WITH EQUIFAX AND XXXX ABOUT THIS ISSUE. 
I ALSO HAVE FOUR HARD INQUIRY THAT I DIDN'T APPLY FOR NEW LINES OF CREDIT FROM ANY BANY OR LENDING PROGRAME. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX
Consumer complaint received 2019-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

We have been slow pay on our mortgage due to medical problems and expenses ( my husband is a veteran ), but all payments were paid within the month due with usps receipts to verify. The mortgage company says we are 45 days delinquent. We owed XX/XX/XXXX and I paid it today, but they show we owe XX/XX/XXXX,  even though their website shows it paid. Also, they did not apply the payments as directed & I have copies of my records for that. Below are payments : XX/XX/XXXX : XX/XX/XXXX, XXXX XXXX XXXX XXXX transferred to Specialized Loan Services, LLC I called on XX/XX/XXXX to get the new loan numbers so there would be no mixup. 
DUE DATE MAILED USPS # AMOUNT PAID on Principal AMOUNT SLS APPLIED XX/XX/XXXX XX/XX/XXXX {$1100.00} {$1100.00} # XXXX Late Fee paid {$5.00} XX/XX/XXXX XX/XX/XXXX {$1100.00} {$1100.00} # XXXX Late Fee Paid {$5.00} XX/XX/XXXX XX/XX/XXXX {$1200.00} {$1100.00} XXXX Transaction # XXXX Late Fee paid {$1.00} XX/XX/XXXX XX/XX/XXXX {$1200.00} {$1200.00} Label # XXXX Late fee paid {$1.00} XX/XX/XXXX XX/XX/XXXX {$1200.00} {$1200.00} # XXXX Late fee paid : {$5.00} XX/XX/XXXX XX/XX/XXXX {$1200.00} {$1200.00} # XXXXLate Fee Paid : {$1.00} XX/XX/XXXX XX/XX/XXXX {$1200.00} {$1200.00} XXXX Late Fee Paid : XXXX XX/XX/XXXX XX/XX/XXXX {$1200.00} {$1200.00} # XXXX Late Fee Paid : {$1.00} XX/XX/XXXX XX/XX/XXXX {$1200.00} {$1200.00} # XXXX Late Fee Paid : {$1.00} XX/XX/XXXX XX/XX/XXXX {$1200.00} {$1200.00} # XXXX Late Fee Paid : {$1.00} XX/XX/XXXX XX/XX/XXXX {$1200.00} Paid online Confirmation # XXXX Also, they show us late 9 times on our credit report and refuse to fix it.