Date Received: 2023-04-13
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I attempted to purchase a home and was told I had student loan debt. And because of this, I was denied.
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have attached a memo with my statement. My identity was stolen in XXXX, having 4 student loans taken out. The other 3 were removed from my credit report between XXXX. I did not realized the XXXX loan because my Uncle, ( XXXX XXXX, deceased ) and my Mother ( XXXX XXXX, deceased ) were the primary and secondary applicant. I was listed as STUDENT, so it was never on my credit report. I was XXXX XXXX XXXX XXXX as the time when my mother called me and said she, " Couldn't keep paying this bill. '' I didn't know what she was talking about but she said it was a student loan, so I began paying it as well ( I was not in the country at the time ). Once I got back to XXXX XXXX, I saw paperwork and had no idea what this loan was. I asked for the promissory note and immediately saw that it was not my signature ( see attached document ). I called the police who told me that it was 12 years ago and instead of filing a police report to contact the XXXX State Attorney General ( see attached document ). XXXX will not process it because I only have signatures from now and my son 's XXXX birth certificate ( see attached document ). They attest that they need a signature from XXXX ( I don't have one ). They also contest that they need a police report ( the XXXX State Attorney General document supersedes the police report ). They also contest that because payments were made it is 'ratified. ' Payments made from my mother ( early stage XXXX XXXX and XXXX ) were because she was bullied/frightened into making them. Payments by me were based on my mother 's statements and my unawareness of the situation and do not constitute acceptance. I have three student loan companies, ever : XXXX, XXXX and XXXX XXXX. That's it. If you look at the 2 pages after my XXXX XXXX, you can see screenshots of " my '' XXXX account. It is blank because not only was it fraud, but I am the STUDENT and not either the primary or secondary applicant. This was removed from my credit report in XXXX XXXX, after my mom died, by XXXX because the person on the phone said, " Even if it wasn't fraud, you are not liable because you are the STUDENT. '' XXXX has since put it back on my account and have me listed at the Primary co-signor which is not true, I never signed anything, it is not my signature, clearly seen by ALL OF THE EVIDENCE that I have submitted.
Company Response:
State: KS
Zip: 66061
Submitted Via: Web
Date Sent: 2023-05-12
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: nelnetXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX va XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX va XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX va XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX va XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX department of public utilities XXXX XXXX XXXX *These corporations listed above have been placed on reports fraudently..please remove and recoup all securities though my TDA account*
Company Response:
State: VA
Zip: 23701
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: To Whom It May Concern : I received a letter in the mail from you recently specifying that I owe your company or who ever your company represents for an alleged debt. The date of the letters is XXXX, the account number on the document is XXXX and the alleged amount owed is XXXX. I am as a result of this requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. If you need to please contact the creditor to obtain verification of this alleged debt. Also, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am at this moment instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. Your next contact with me should be to either notice that the creditor has failed to verify the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( s ) in question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility. I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. Also, you may not contact me by phone at work or my home about this collection activity. All future correspondence should be sent to me in writing. Please acknowledge that you have received this notice within 14 days. Sincerely, XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Company Response:
State: FL
Zip: 33614
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter in the mail from you recently specifying that I owe your company or who ever your company represents for an alleged debt. The date of the letters is XXXX, the account number on the document is XXXX and the alleged amount owed is XXXX. I am as a result of this requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. If you need to please contact the creditor to obtain verification of this alleged debt. Also, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am at this moment instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. Your next contact with me should be to either notice that the creditor has failed to verify the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( s ) in question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility. I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. Also, you may not contact me by phone at work or my home about this collection activity. All future correspondence should be sent to me in writing. Please acknowledge that you have received this notice within 14 days. Sincerely, XXXX XXXX XXXX Please send your written response to my address of XXXXXXXX XXXX XXXX XXXX, XXXX, FL XXXX
Company Response:
State: FL
Zip: 33614
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-08
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I've sent Nelnet written instructions on how to apply additional payment amounts ( i.e., apply my additional funds to principal only ) and they continue to ignore my instructions. They reply with a canned response and state they will apply additional funds to interest first. I sent them communications on XX/XX/XXXX and XX/XX/XXXX. It is unacceptable and violates my rights. Below is what they send in their canned response to my written instructions : " When each payment is received, it is first applied to outstanding fees ( if applicable ), then accrued interest, and finally to principal. If your account is on an Income Driven Repayment plan, your payment will be applied to accrued interest first, then fees ( if applicable ), and then to principal. Once any outstanding and accrued interest has been fully satisfied, any additional amount received is automatically applied to principal. If you pay more than your current amount due : Any payment amount higher than the current amount due will be allocated across loans in repayment status with the highest interest rate. * Once the loans in repayment status with the highest interest rate are satisfied, any remaining payment amount will be allocated across the loans with the next highest interest rate. If none of your loans are in repayment status, payments are first allocated to outstanding fees ( if applicable ) and then to interest beginning with loans with the highest interest rate. Once all outstanding fees ( if applicable ) and interest have been paid on the loans not in repayment status, remaining payments will be allocated across unsubsidized loans and then subsidized loans beginning with loans that have the highest interest rates. *If two or more loans in repayment status have the highest interest rate, the payment will be allocated first to the unsubsidized loans and then to the subsidized loans, in proportion to each loans regular monthly payment amount. Also, when you pay more than your current amount due, your due date on loan groups in repayment status will advance by one month each time you satisfy the regular monthly payment amount for that group. Your monthly billing statement will show {$0.00} due for that loan group. Because your excess payment will continue to be applied to the loan group with the highest interest rate, you will continue to have an amount due for loan groups with lower interest rates. ''
Company Response:
State: CA
Zip: 941XX
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I CHECKED MY CREDIT REPORT AN THIS CREDIT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.
Company Response:
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have loan with DEPT OF EDUCATION/NELNET . I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 90, 120 and 150 days past due. Ive never been behind on my payment. I tried contacting the 3 credit Bureaus and the DEPT OF EDUCATION/NELNET but they have provide me with noting tangible, which reflects anything verifiable. There is definitely an error with their part. I was never late on this account. Investigate properly and please update for 100 % accuracy. DEPTEDNELNET XXXX Date Opened : XX/XX/2016 XXXX XXXX : {$0.00}
Company Response:
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: All my student loans have been paid off. There is outdated information on all 3 credit reports. There is false information, I need all addresses and old phone numbers removed. All the inquires need to be removed. I am protected under title 15 U.S. codes 1601,1602, 1681n,1681o Done in good faith all rights reserved without prejudice I also am asking to be compensated for my time and the injury, loss and harm caused to my good name and credit. By : XXXXXXXX XXXX XXXX XXXX
Company Response:
State: KY
Zip: 400XX
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Never received call from Nel net. Also provided all necessary information in my initial complaint.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A