Date Received: 2022-05-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
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 payment on a credit card account under ah + open end consumer credit plan as late for any purpose.
Company Response:
State: MD
Zip: 20746
Submitted Via: Web
Date Sent: 2022-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-29
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 student loan repayment was supposed to start in XX/XX/2022 after graduating according to the Nelnet representative Ive spoken to on the phone. However I learned the loans were added to my credit since XX/XX/2022 prematurely, which consequently dropped my credit score by XXXX points. I was in the process of consolidating my loans prior to the start of the repayments as we have limited income and need it be affordable. I was not expecting to start repayment until XXXX but Nelnet had reported me as 90/120 days late by XX/XX/2022 which is inaccurate. I disputed this issue immediately but they did not remove it, in fact they added another 30 days late to my credit report which dropped my score even more ( again I filed the dispute in XX/XX/XXXX, and they added another 30 day late UPDATE to credit file on XX/XX/2022 which is accelerated ). My husband and I are looking to buy a home since being displaced during Covid ( loss of income ) and this derogatory credit reporting of an inaccurate student loan repayment agreement has obliterated any chance of that happening. I have always planned to repay the loans after graduating but Nelnet has caused a huge issue unnecessarily and has halted any chance to thrive with this act of inconsistent reporting and in the midst of a pandemic. It seems that they have grouped me inaccurately since the dates that I have are different from the dates that they acted upon ( XX/XX/2022 was never discussed to be the start of my repayment plan, when in fact, I was on IBR plan which didnt expire until months after this, perhaps XX/XX/2022 ). I would like all derogatory credit reports from Nelnet to be removed as soon as possible, so that I may put an actual plan in place while still regaining a quality of life during a stressful financial time. Thank you.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2022-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-30
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: My problem is with Nelnet. My student loan debt has exchange lenders several times I applied for a home loan in XXXX but was DENIED because my student loans are now in DEFAULT for non-payment. As a veteran, this information is now showing up in XXXX, which denied me for approval. Nelnet canceled my income-based repayment plan and found out that MY loans were NO LONGER eligible for CARES deferment under the CARES ACT. Though the Biden-XXXX Administration extended the moratorium until XX/XX/2022. Nelnet has been calling me DAILY, asking me to call for debt solution options, but my only option given is to repay.
Company Response:
State: AR
Zip: 72034
Submitted Via: Web
Date Sent: 2022-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In according with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 USC 1681 section 602 states I have the right of 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 1666 B : A creditor may not treat an open end Consumer credit plan as late for any purpose.
Company Response:
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2022-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The Accounts are saying that it's the U.S. Department of Education reporting but there are other companies reporting of the bureau which is fraud. I've been asking for a lawful contract with wet signatures from both parties and a proper bill and record of accounting to assess any damages if there are any. instead my rights are being violated and damaged. defamation of character, identity fraud and more. I am getting reports from CRA 's with different addresses that I've written to all of the concerning this matter and most of them are returned or are being answered by other companies. GREAT LAKES HIGHER EDUCATION CORPORATION AND AFFILIATES wrote saying they had " uncontested wet ink documents '' and also said they sold information or sent information to another servicer fraudulently. I've never seen a signed wet ink contract with them.
Company Response:
State: FL
Zip: 33415
Submitted Via: Web
Date Sent: 2022-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-27
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: Nelnet received a CFPB Complaint XXXX with no resolution More facts have emerged My social security number ends in XXXX I searched for an account with my social security number on Nelnet website and no account exist I have a installment loans from Nelnet on my credit report with a balance of {$0.00} I would like removed off my credit report with XXXX My social is XXXX XXXX XXXX My legal name is XXXX XXXX The Nelnet account # XXXX opened in my name does not match my social and is illegally used to impersonate me. With account number I filed a police report to support my documents
Company Response:
State: GA
Zip: 30021
Submitted Via: Web
Date Sent: 2022-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of Identity theft and I have reached out to XXXX, XXXX and XXXX and the companies have yet removed the inaccurate information from my report.
Company Response:
State: NJ
Zip: 07304
Submitted Via: Web
Date Sent: 2022-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Ive tried calling the college and nothing it was the group home I was in when I was a teenager, they applied to the college without my knowledge and tried to get me out of their care as soon as I turned XXXX, I went to a different college at the same time I supposedly went to the college the charges are coming from.
Company Response:
State: SC
Zip: 29526
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I paid off my student loans in XXXX The lender then sold my loan, went out of business, and my loan was sold 3 more times. All while interest upon interest has been adding up for the interim XXXX years at a 9 % rate. I have escalated this matter to the XXXX services, to no good end and am getting ready to send a package to the Dept of Education. XXXX is incorrectly reporting this information as well. I am unable to get a mortgage loan with this {$110000.00} debt on my credit and beseech you to help me clear this debt off, once and for all.
Company Response:
State: VA
Zip: 22041
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: After graduating in XXXX, I began receiving letters from Nelnet instructing me on how to pay my student loan bill. What I did not realize is that there were actually two separate accounts and that notifications for one of these accounts were being sent to my university email, which I was not able to access off campus. I was paying that 1 loan for months when all of a sudden I received a letter in the mail saying that my account was delinquent and I needed to bring it up to date. At first I thought this was a mistake. I had been paying my bill for months and had not even been late on a payment. When I called I learned that there was another account that I was supposed to be paying for MONTHS, yet Nelnet had waited until XXXX of that year to finally mail me a physical letter about my " missed payments ''. As discouraging as this was i brought the account up to date and HAVE NEVER MISSED A PAYMENT ON ANY ACCOUNTS. This nelnet issue is still affecting me almost 8 years later. My wife and I are trying to buy a house and my credit score is STILL only XXXX despite never missing a payment on any accounts. My credit card debt is minimal. A XXXX credit score does NOT reflect who I am as a borrower. I felt that Nelnet could have taken additional steps to ensure borrowers were receiving billing notifications. I dont understand how they can reach out to an INACTIVE email account for close to a year before finally sending a letter to me. I dont understand how my score is still being pulled at XXXX despite never having missed a payment on any other account in my life. This score does not reflect who I am as a borrower, you will see this upon taking a look at my payment history. I have spoken to other nelnet borrowers on blogs and even in person and have found that this is not uncommon at all. Nelnet should be taking every step necessary to contact borrowers given the especially dire consequences that come along with not paying your federal student loans.
Company Response:
State: PA
Zip: 19401
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A