Date Received: 2023-04-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor has violated my rights. -Under 15 USC 1681 section 602 states I have the right to privacy. -Under 15 USC 1681 section 604 section 2 states a consumer reporting agency can not furnish an account without my written instructions. -Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: MS
Zip: 38637
Submitted Via: Web
Date Sent: 2023-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Nothing happen its still on my credit report
Company Response:
State: LA
Zip: 700XX
Submitted Via: Web
Date Sent: 2023-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-15
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Since I took out a loan from XXXX XXXX with my mother-in-law as a cosigner to pay for my tuition, I had no idea that I was dealing with the worst scammers and abusers ever. When I graduated from XXXX XXXX XXXX in 2020, XXXX XXXX XXXX in XXXX XXXX, Oregon, advised me to settle the balance once I am no longer enrolled by paying a {$4000.00} fee. I informed them that I will begin working on it because I am in school. I was occupied with work and school because I had already started graduate school. I eventually invested my assets in fraud and lost them, and I was unable to get them back. Police, the FBI, and the bank all tried to assist me, but the effort was in vain. All of these credits suddenly demanded payment for their outstanding balances at once, forcing me to start over. I instructed them to wait. I had to stop going to school for a while so that I could work harder to pay the costs. Before I knew it, XXXX XXXX had teamed up with FirstMark Bank IncXXXX to pay off their debt. They never communicated with me and attacked the credit rating of my mother-in-law. She contacts me on a Saturday, and I immediately rush to the XXXX XXXX XXXX on XXXX XXXX XXXX in Oregon to make a {$1700.00} payment. XXXX Bank reduced my credit score from XXXX to XXXX over the course of two weeks while refusing to amend my mother-in-law 's credit report. Even worse, XXXX XXXX stalked me at work, at home, and everywhere else to get access to my social security account, XXXX account, net benefit, and bank information. Even at work, I filed a report about it with the union. They wouldn't raise either my credit score or that of my mother-in-law, which caused a split between us because of the decline in her credit score. Even today, XXXX XXXX XXXX continues to stalk, harass, and intimidate me using other people. They intimidated me and harassed me by using my old attorney XXXX XXXX, XXXX XXXX ' attorney, as well as by physically pursuing me, defiling me, and faking an arrest for a default.
Company Response:
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Nelnet reported on my credit report 90 days past due on XX/XX/XXXX causing a major drop on my credit score. The Biden administration had paused student loan payments through XX/XX/XXXX which was extended until XX/XX/XXXX. XX/XX/XXXX, the White House announced an additional extension through XX/XX/XXXX which has now been extended through XX/XX/XXXX. However, per Nelnets reporting, my student loan payment was to resume with due date XX/XX/XXXX. I received a notice from Nelnet, via email, stating my account was 60 days past due XX/XX/XXXX in which I submitted an application through the Dept of Education for Income Driven Repayment. I obtain email confirmation stating the application had been submitted to Dept of Education the same day. Nelnet sent an email XX/XX/XXXX stating Your income-driven repayment plan application has been received Well be in touch. XX/XX/XXXX I received another notice from Nelnet stating my account was 75 days past due. Since no further communication had been received from Nelnet, I assumed the Income Driven Repayment application was in process/completed and waited to receive my letter stating my payment and it would update the account once it was implemented. XX/XX/XXXX upon researching loan forgiveness options, I learned I should to submit a request for loan consolidation. I submitted the application on the Dept of Education site XX/XX/XXXX and received email from them stating it was received. I also submitted another application for Income Driven Repayment Plan for Direct Consolidation Loan on US Dept of Education on XX/XX/XXXX. XX/XX/XXXX - I received email from Nelnet stating they received Direct consolidation loan application. XX/XX/XXXX - I received notice that Nelnet reported to the credit bureaus that my account was 90 days past due as of XX/XX/XXXX. XX/XX/XXXX - I spoke to a representative at Nelnet regarding the report to the credit bureaus and they stated they would open an investigation however due to the time of the Income Driven application on XX/XX/XXXX, is the reason for reporting it. Again no communication received from Nelnet prior to the report stating this would be the outcome. XX/XX/XXXX I spoke to another representative at Nelnet asking about the report to the credit bureaus and she stated that because I had submitted the application, my account did not have any remaining time available on the forbearance at the time of the income driven application therefore they could not bring the account current. In which resulted in them reporting the 90 day late notice on the reports. The representative stated that since I had applied for the loan consolidation on XX/XX/XXXX, it reset the forbearance which allowed them to then bring the account current however they couldnt update the 90 days past due reported on my credit. I opened disputes to the credit bureaus in which did not result in any change once the dispute was completed. Ultimately, no communication of this was provided to me that no time remained on the loan for the forbearance to bring it current. If further action was required and communicated to me to prevent the negative impact on my credit I could have taken the proper steps prior to the report to the credit bureaus.
Company Response:
State: TX
Zip: 78681
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My student loans got transferred from Great Lakes to Nelnet. The way that they are handling the transfer, they are reporting to the credit bureaus that Great Lakes closed the account. Nelnet presumably will be opening a new one. This is reducing the longevity of my credit and until Nelnet opens the account, the balance is gone. My credit score just dropped XXXX points with XXXX and now it is under 700. This is seriously impacting me because I need to move apartments, but many apartments in my city do not accept applications from people with a credit score of below 700. I have reported this directly to the company and will report it to the credit bureaus.
Company Response:
State: NY
Zip: 10022
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I originally was paying payments through XXXX for a private loan in XXXX and XXXX for the amounts of {$1500.00} with an interest rate of XXXX , % {$9000.00} with an interest rate of 8.250 % and {$7400.00} with an interest rate of 10.750 %. I had paid on time until the loans were acquired by Firstmark in XXXX. I have paid over {$6900.00} in that time on time and without issue.and requested a refinance of the interest to the 8.250 % where they informed me that was not possible as they were not the ones to issue the loans even though they are the ones collecting on them. I have gone from {$19000.00} to {$12000.00} in 8 years this is just 35 % of the overall loan owned and I have paid off my other loans but Firstmark is the only company that will not assist in lowering the interest. In XXXX of XXXX a credit of {$3.00} was applied for an on-time payment incentive that was not applied at the time of the incentive should have been awarded. This amount was added to the principal balance to the account for the additional month I should have had the incentive, in 8 years and maintaining my payments timely, that is all I had removed.
Company Response:
State: IL
Zip: 60137
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I tried disputing a fraudulent account not just opened up by someone else but also reporting incorrect information. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. To get technical, re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). This law states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.
Company Response:
State: FL
Zip: 33712
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I looked on my credit report and seen this company i never even hear of on my report and requested a DEBT VALIDATION!!!!! these are the documentations I need. validation of the debt complies with the following stipulations. 1. Documentary and evidentiary proof to claimant. 2.in according with the fair debt Collection Practices Act ( 15 USC 1692 et seq ) provide Verification of the debt. as being true and correct, and authentic, sworn by oath or affirmation with wet -ink signature signed under the penalty of perjury or provide a copy of a judgment, sworn by wet ink signature signed under penalty of perjury that the forgoing is true and accurate copy of the original recorded with appropriate public and government offices against climate. 3.produces all relative commercial instruments, including but not limited to applications, assigns, agreements. and /or contracts which contain exchange of benefit9s0 or contain the verified signature of claimant. 4.provides, verified copies of assigns, negotiations securities and /retransfers of rights, tittles ( s ) and /or interest ( s ) and the like, sworn by wet ink signature signed under the penalty of perjury that the foregoing copies is true correct, and not misleading which unambiguously delineates that NELNET is the current owner, assignee, holder, holder in due course and /or entitlement holder of the alleged debt including all supporting documentary evidence as proof. 5.produce all relative commercial instruments and/or notices, declarations, publications which clearly and unambiguously delineate that claimant, was fully and completely apprised of all rights . duties, obligations, liabilities cost, fees, in advance or subsequent to the alleged incurrence of alleged debt, and where there has been full disclosure of all relevant terms and conditions.
Company Response:
State: MN
Zip: 561XX
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I was not aware that I could opt of my information being shared to third parties such as the credit reporting agencies. Gramm-Leach-Bliley Act gives me my right to opt out and I was never aware of this. Gramm-Leach Bliley Act states that " Financial institutions covered by the Gramm-Leach-Bliley Act must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. '' I want to use my right to opt out of sharing my information to any third-party companies especially credit reporting agencies.
Company Response:
State: GA
Zip: 31906
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: 12 USC 1813 PLEASE REMOVE AND CHANGE TO PAID IN FULL AND RETURN ANY FUNDS DUE BACK TO ME.
Company Response:
State: VA
Zip: 23320
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A