Date Received: 2023-04-05
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 disputed the Nelnet accounts multiple times on my credit reports. They keep coming back as verified but they are still reporting inaccurate information. The most noticeable error being that it goes from current to 90 days past due from one month to the following month. It's impossible to be current one month but then 90 days past due the following month. In addition to that, these accounts first went past due prior to XXXX of 2016 so no longer should be reporting on my credit report anyway. The information reported to each bureau is also different. How can the information be different, but still accurate?
Company Response:
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have made several attempts to get the information corrected. I was on income driven repayment and forbearance with my loans but they are still reporting delinquent.
Company Response:
State: KY
Zip: 40509
Submitted Via: Web
Date Sent: 2023-04-05
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: Received bad information about your loan
Consumer Complaint: My loan was transferred without any notice to a new company who has given me no way to log in.
Company Response:
State: WA
Zip: 98102
Submitted Via: Web
Date Sent: 2023-04-05
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: Received bad information about your loan
Consumer Complaint: Under the Sweet v Cardinal suit the Dept of Ed informed Nelnet to discharge my XXXX loan in full and refund me all that I paid on it. I was part of the lawsuit. My school on the list of predatory lenders. Before this victory XXXX XXXX was pressured to respond to Borrower Defense applications and randomly denied applicants. I was XXXX. She wanted to give me interest {$3900.00} incurred while waiting. I appealed like many and was put into the class action. In XXXX I refinanced, consolidated to one loan, leaving Nelnet going to XXXX. The government bought FFELP loans during the big recession. Nelnet is trying to give me {$33000.00} Doubling the amount I owe from {$61000.00} to {$110000.00}, saying I borrowed {$37000.00} and {$23000.00} in XXXX. I graduated in XXXX. Thats fraudulent or theyre lying and trying to scam me further. And still owe them {$57000.00} I not only owe them nothing according to the court and Dept of Ed. They owe me for the years I paid on my loan. I asked XXXX and my loan qualifies for his {$20000.00} in forgiveness had I not been granted forgiveness through the court, therefore I know this is in fact a government owned loan and Nelnet is trying to defraud me.
Company Response:
State: MD
Zip: 217XX
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Great Lakes has not been a loan provider for my student account for years. All my loans were transferred back to the original holder XXXX XXXX several years ago. In 2021 XXXX XXXX forgave all my loans and closed my accounts yet Great Lakes is attempting to report that student loans are active on my credit report. They are reporting recent late payments which are not at all true.
Company Response:
State: MD
Zip: 20705
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: My student loan servicer is Great Lakes. The only problem I have with them is that my phone number was potentially released by them to an illegitimate company. I rec 'd a call today, XXXX, and spent an hour on the phone, thinking I was being signed up for loan forgiveness under a new program called, Revised Pay as You Earn. I was asked my email, and they used it to change my password and access my account with Federal Student Aid. I was asked income and employer info. I was told I was eligible to pay {$200.00} a month for the first five months only, then $ XXXX month for 240 months, and then my loan would be forgiven. I was asked for a date I would pay, and then I was asked for a debit or credit card number. I said, You called me, nobody would give you a debit or credit card number! How do I know who you are? He repeated a number that I could call him back : XXXX, ex, XXXX.
Company Response:
State: WI
Zip: 545XX
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
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: My loans have been discharged due to total and permanent disability status. I have inqured and requested when these will be removed from my credit report as it has been over 7 years and I am still getting the run around about it. As I am not able to obtain employment due to this and I don't qualify for federal or state government disability benefits. XXXX the reporting agency has also threatened to keep it on my report for an additional 10 years even though my account is closed and in good standing. I been back and forth with the creditor and dept of education nelnet and the reporting agency XXXX and have not came to an amicable resolution.
Company Response:
State: CA
Zip: 90066
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My original student loan servicer was Nelnet. In XX/XX/XXXX, my loans were transferred to XXXX because I am taking part in the PSLF program. The problem is that my credit reports under all three credit bureaus are still showing my loans and loan account under Nelnet as active. Because my loans and loan account with XXXX are now also showing up as active on my credit reports, this makes it look like I have twice as many student loans as I actually do. I disputed the Nelnet loan account with XXXX, and the result was that the servicer, Nelnet, reported the account status as correct. I called to dispute with the other two credit bureaus, and was told that the outcome would be the same as my dispute with XXXX. I also contacted Nelnet when I first noticed this a few months ago, and they advised me to wait a month. I contacted them again a few months later, and was told the same thing. I contacted them for the 3rd time regarding this issue at the beginning of XX/XX/XXXX, and they changed their tune : they said that Federal Student Aid needs to contact the credit bureaus to report that Nelnet no longer services my loans. I then contacted the Federal Student Aid Ombudsman mid XX/XX/XXXX, and opened a case. Last week, the results of the case came back : I was told to contact Nelnet and open up disputes with the credit bureaus, which I already did ( I even explicitly mentioned this when I first spoke with the Ombudsman office ). I called the Ombudsman office again on XX/XX/XXXX, and was told that the result of the case was correct, and theres nothing that Federal Student Aid can do. I then called Nelnet again on the same day, and was once again told to contact Federal Student Aid, even though I told them that I already did. Please help me resolve this so that my Nelnet account can be marked as closed with all three credit bureaus. I dont know what else to do.
Company Response:
State: MD
Zip: 20877
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: how is it fair and impartial to only take in consideration what nelnet is reporting to you In 2014 in XXXX I did not authorize Nelnet department to report my information to the XXXX credit bureau. I am claiming Identity theft because this is a business transaction that does not benefit me. First I wan na know how experian verified my Account with nelnet department of education. as a result of your reinvestigation account was verified in 5 days how is this possible
Company Response:
State: WI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: New and Updated Information, Please see attached documentation below. XXXX XXXX XXXX in this matter as base Representatives are ignorant to the law
Company Response:
State: NV
Zip: 89052
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A