Date Received: 2023-05-23
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Asked for loan refund couldnt not get a response on weather or not I could get this not a time frame on when this would happen.
Company Response:
State: IN
Zip: 465XX
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2023, I sent a certified letter to XXXX the letter was then received on XX/XX/XXXX by the bureau and action was taken on this I disputed this account multiple times. I checked my credit report the student loan and NelNet account was added to my report without my consent and my account number is not fully stated on either account. I would like both of these accounts removed from my credit report as this information is not verifiable.
Company Response:
State: CA
Zip: 921XX
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am writing to state that I am refusing to pay for this alleged debt in pursuant to 15usc1692e ( 2 ) ( A ) Great Lakes has been making a false representation of the amount of the account balance owed and legal status owed which is a violation of congress ' request.. I am refusing to pay a debt that I have already credited to the U.S. Department of education in a form of a finance charge. The US department of education has sold the debt to great lakes which means Great Lakes is now responsible for paying for this alleged debt. Great Lakes is a debt collection agency that is being deceptive making me look like I owe this alleged debt when in fact that is incorrect. 15usc1692a ( 6 ) Great lakes is asserting that I owe a debt balance which makes them a debt collector. Great Lakes can not communicate with me unless this debt is terminated.
Company Response:
State: MD
Zip: 20707
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Dear Department of Education, I am writing to urgently request your assistance in rectifying the late payments associated with the following accounts : XXXX, XXXX, XXXX, and XXXX. I humbly implore you to consider the extraordinary circumstances that led to these payments being delayed, as they were beyond my control and caused immense distress for my family. Several months ago, we experienced a catastrophic event that turned our lives upside down. A devastating natural disaster struck our community, leaving destruction and chaos in its wake. Our home was severely damaged, rendering it uninhabitable, and we were forced to evacuate with only the clothes on our backs. During this time of upheaval, my family faced overwhelming challenges and emotional turmoil. We were displaced, living in temporary accommodations while struggling to rebuild our shattered lives. The chaos and uncertainty made it impossible to attend to financial matters promptly, including the payments associated with the aforementioned accounts. Despite our best efforts to communicate with the relevant parties and explain the extenuating circumstances, the late payments were recorded on my credit history, casting a dark shadow over our future. I understand the importance of financial responsibility, and I deeply regret that these circumstances led to delayed payments. However, I firmly believe that compassion and understanding are warranted in situations as exceptional as ours. I am now at a critical juncture where obtaining a mortgage is essential for providing stability and security for my family. However, the presence of these late payments on my credit report severely hampers my ability to secure the necessary financing. The weight of this burden is unbearable, as it threatens to undermine our efforts to rebuild our lives and create a safe haven for my loved ones. I humbly beseech you to consider the unique circumstances we faced during the aftermath of the natural disaster. I implore you to exercise your discretion and compassion by removing these late payments from my credit history. By doing so, you would offer a glimmer of hope amidst the devastation and grant my family the opportunity to regain our footing and create a brighter future. I understand the challenges faced by the Department of Education and the importance of maintaining accurate records. However, I believe that true empathy lies in recognizing the human aspect behind these accounts. We are not simply numbers on a screen but individuals who have endured unthinkable hardships and are striving to overcome them. I kindly request your prompt attention to this matter, as time is of the essence. The urgency and gravity of our situation can not be overstated. I implore you to consider the exceptional circumstances we faced and take immediate action to remove the late payments from my credit history. I eagerly await your response and sincerely hope that you will extend your understanding and assistance. The future of my family hangs in the balance, and your intervention can make all the difference. With heartfelt gratitude and renewed hope
Company Response:
State: AL
Zip: 35806
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My account shows 8 late payments. My accounts has never been late and this is affecting my credit report with 8 late payments. My accounts was put into deffered and never late. Can you please have all these late payments corrected and put in paid status. Thank you.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXXXX/XX/XXXX Balance : {$19000.00} XXXX XX/XX/XXXX Balance : {$11000.00} XXXX XX/XX/XXXX Balance : {$16000.00} XXXX XXXXXX/XX/XXXX Balance : {$420.00} XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$1800.00}
Company Response:
State: CA
Zip: 90713
Submitted Via: Web
Date Sent: 2023-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am submitting this complaint because NELNET has acquired my student loans without proper consent and they are also reporting inaccurate unfair information on my consumer report. I have never done any business with this organization and they haven't provided me with the proper documentation verifying I went into a contract with them, yet they are reporting late payments on my consumer report. This is unfair and a violation of 15 USC 1681 of the FCRA. I am aware that this organization has assumed this role and I am also aware that 15 USC 1681 states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. This company has acted unfairly and also has violated my right to privacy by acquiring my personal information and also sharing it with 3rd party organizations without my written consent. The late payments that this company have furnished are inaccurate because I was a XXXX XXXX XXXX at the XXXX XXXX XXXX at that period of time and students aren't required to make payments while they are still attending school I simply want these late payments deleted because they are unfair and haven't been verified. I am hereby requesting my investigative consumer report to show valid proof that this account is being reported accurately. Keep in mind under the FCRA 15 USC 1681d- ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
Company Response:
State: TN
Zip: 38134
Submitted Via: Web
Date Sent: 2023-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Upon review of my credit I found three personal loans totaling {$53000.00}. through DEPT OF ED/NELNET that do not belong to me. I want them removed from my credit reports on XXXX and XXXX. They are n ot on my XXXX report.
Company Response:
State: NJ
Zip: 07430
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My student loans were sold by Great Lakes to NelNet. Great Lakes held my student loans since XX/XX/XXXX. When they were sold to NelNet ( approximately XX/XX/XXXX ), my student loan account was closed on my credit report. It was my longest open line of credit ( since XX/XX/XXXX ). Closing the account, negatively impacted my credit score. A few weeks later, NelNet opened 9 new accounts on my credit report -- one for each individual disbursement over the past decade+. NelNet listed my oldest account at 7 years old although Great Lakes reflected on all three major credit reporting bureaus that it was as old as XX/XX/XXXX ( 12 years -- not the 7 years NelNet is reporting ). The numerous, newly created accounts by NelNet along with closing my oldest line of credit after my student loans were sold, dropped my credit score more than 100 points. I've attempted to contact them about the issue/ concern. I submitted an online inquiry through their website and have not heard back. I called and spoke with a customer service representative who was unable to offer any sort of advice or guidance in correcting the issue. The representative stated that Great Lakes was likely reporting it incorrectly previously. Great Lakes held my student loans for over a decade. I have no control or say in my student loans being sold. Whether Great Lakes was reporting incorrectly or not is irrelevant. Why am I being penalized for something completely out of m control? To make matters worse -- I am currently in school. With the way NelNet is reporting, a new account will be opened on my credit each time a student loan payment is disbursed. In my case, each school term is approximately 10 weeks long i.e. NelNet will create and open a new account each time a payment is disbursed every ten weeks until I graduate. Each new account negatively impacts my credit score. I'm not sure how this is ethical or even legal and have no one to turn too for guidance or any sort of resolution. Credit score impacts every area of our lives : homes, vehicles, school, medical, etc..
Company Response:
State: IN
Zip: 460XX
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Getting a loan
Subissue: Fraudulent loan
Consumer Complaint: When I join the military XXXX I was told during that time, My loans would have been paid up to XXXX! I sign my life over and fought for nothing!
Company Response:
State: LA
Zip: 701XX
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A