Date Received: 2022-12-04
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: In accordance with the fair credit reporting act XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 Sates I have right to privacy. 15 USC 1618 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: FL
Zip: 33009
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Account has been on my credit report for over 7 years and hasn't dropped off and I want these account removed asap
Company Response:
State: MS
Zip: 387XX
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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: VA
Zip: 24501
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I've disputed accounts that were opened via identity theft with servicer between 3 to 5 times and they keep verifying the information is correct. I've told them to block the information also but they refused to do so. Their response was my dispute isn't valid, because I didn't identify the account I wan to be disputed/erased. I took all the necessary steps to remove the tradelines off of my report. They refuse to block info that I'm telling them is result of Identity theft
Company Response:
State: FL
Zip: 33712
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Getting a loan
Subissue: Fraudulent loan
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. And Ive never had a diploma or GED to sign up I quit school in the XXXX grade but XXXX XXXX Told me that I didnt need anything to XXXX from XXXX XXXX so I enrolled not knowing 20 years later Im still having to pay a loan I wasnt supposed to pay because it closed down due to fraudulent charges against XXXX for taking people money and giving them a lot of debt
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This complaint is concerning accounts Great Lakes is furnishing to the consumer reporting agencies. Please see the attached documents to view the specific details about this matter. Thank you.
Company Response:
State: MD
Zip: 21146
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Automatic payments are not going through due to Nelnet 's system. The money is in the account and payments have been made on time every month for over a year. Now, all of a sudden, I miss payments due to Nelnet 's fault and they can't help. I called and thought I handled the issue. Welp, same issue the following month. I called again and once again I believe the issue is handled, but we'll see. They will not refund me their {$15.00} ( XXXX ) charge. At this point I'm thinking is my credit being hurt. Nelnet is not going to give you a refund, or make any changes to credit reporting, and/or be responsible for data breaches that are Nelnet 's fault. Good luck. That's how they treat you. It's not the person on the other line 's fault. It's Nelnet.
Company Response:
State: OK
Zip: 73013
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Nelnet has failed to process {$1000.00} payment made refund back to me. They processed only one of two {$1000.00} payments neither have been received. They are using deceptive practices to the consumer and CFPB. In my last complaint and subsequent conversations with them they informed me that they only mailed me and processed one payment refund for the amount of {$1000.00}. However that payment of {$1000.00} was split into two different checks. They canceled those checks at my request and were to expedite them to me at a new address however they have failed to do that. During those subsequent conversations they informed me that the other payment for {$1000.00} was never processed back in XXXX of XXXX. At this point they still have not processed the second payment of {$1000.00} and I have not received that one either. It has been 5 months and passed the deadline when they are supposed to refund this money. They added the money back onto my account months and months ago. If they fail to respond to this or expedite both checks for a total of {$2000.00} within the next 10 business days I will be disputing {$2000.00} with my bank and credit card. The payment has already been added back onto my account so it looks like I have never paid anything and yet I don't have {$2000.00} back in my hands. That is deception and fraudulent.
Company Response:
State: MI
Zip: 48167
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: debt was sold to a third party who then harassed me for payments by postal mail and calls and emails.
Company Response:
State: NC
Zip: 27407
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I had resubmitted my income based repayment through the XXXX XXXX XXXX XXXX as I do for both of my loans and for my XXXX. XXXX of my loans through XXXX went through fine and my XXXX XXXX was fine, but Nelnet was unable to process the payment plan for some reason. I contacted the company and was told that they had issues receiving the documents. I offered to send over my full tax documents which I did on XX/XX/2022. I was told that the documents didn't have decimal points and clarified with my XXXX XXXX that they DON'T have decimal points on the documents. I resubmitted my income based repayment plan on XX/XX/XXXX and received a confirmation that it was received. I was then charged another {$300.00} in XXXX, XXXX, and XXXX while I tried to get ahold of the company and resolve the issue. I finally resubmitted another income based repayment in XXXX and again didn't get put on the plan through Nelnet. My last attempt was at the end of XXXX. They just hit me again for another {$300.00} payment as of XX/XX/XXXX. I contacted the company again and they were able to take me off the automatic payments, but weren't able to provide me any information about why my lengthy attempts to get put on the plan were denied. Since XXXX they have charged me {$1200.00} instead of the approximately {$200.00} that should have been charged my account. I have yet to speak to a manager because I have been told that XXXX is unavailable. I would like to have my money refunded and re-charged at the correct rate as well the ability to transfer my loan to another company without a penalty.
Company Response:
State: WI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A