Date Received: 2022-05-25
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 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: GA
Zip: 30319
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-25
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: On XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX I submitted to XXXX that an error has occurred with my credit report. XXXX XXXX shows the US DEPARTMENT OF EDUCATION Institution address - XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX Phone XXXX ( XXXX ) XXXX / GREAT LAKES EDUCATIONAL LOAN SERVICER Institution address XXXX XXXX XXXX XXXX, WI XXXX Phone XXXX ( XXXX ) XXXX - Loan Identification Number XXXX - ran a HARD INQUIRY on XX/XX/XXXX. NO REASON WHY MY CREDIT SHOULD HAVE BEEN RAN. NO PERMISSION WAS GIVING TO ANY STUDENT LOAN COMPANY TO RUN MY CREDIT LAST YEAR I ONLY GAVE PERMISSION 7 YEARS AGO THE YEAR XXXX NEVER DID I APPLY FOR ANOTHER STUDENT LOAN SINCE THEN. This XXXX XXXX XXXX XXXX XXXX XXXX was opened XX/XX/XXXX makes 7 years ago this year in XXXX. NEVER HAVE I BEEN LATE WITH PAYMENTS. I am not disputing balances nor disputing that this is not my account. I AM DISPUTING THIS HARD INQUIRY TO BE REMOVED. XXXX has failed to look into this deeper I have submitted disputes under different reasons and fraud and XXXX continues to send a response back that this hard inquiry info is accurate and will remain on my credit history for 2 years. I DO NOT HAVE ANY OTHER STUDENT LOANS NOR ANY 3RD PARTY I ONLY HAVE ONE STUDENT LOAN OUTSTANDING. I have reached out to Great Lakes spoke to XXXX she indicated that they show no record of my credit being ran. I called the US DEPARTMENT OF EDUCATION and XXXX in the loan management dept indicated she do not show my credit was ran at there end. This is a case of FRAUD AND NEGLIGENCE WITH ALL COMPANIES INVOLVED! I submitted online again on XX/XX/XXXX Confirmation number : XXXX to XXXX my dispute and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, GA XXXX Phone : # XXXX ) DISPUTING this fraud/error. XXXX CHOSE TO CLOSE MY DISPUTE AGAIN WITH NO PROPER INVESTIGATION AND I COULD NOT RETRIEVE ON THE XXXX XXXX THE REASON THE DISPUTE WAS CLOSED AND DID NOT GIVE ME THE OPTION TO RETRIEVE A REASON AND COPY OF END RESULTS AND THIS FRAUD INQUIRY HAS NOT BEEN REMOVED FROM MY CREDIT REPORT. I TOOK IT UPON MYSELF TO CALL XXXX ON XX/XX/XXXX AT XXXX XXXX AND SPOKE to a young lady by the name XXXX and ask why I could not see a copy of my dispute I can see is been completed I advised XXXX any other time I am able to print my own copy of any dispute investigation. How is it possible that XXXX can see my report and me not be able to retrieve a copy of my own dispute. Please help me understand??????? XXXX provided the end results and read back to me was the same results given to me prior weeks ago. Per XXXX " Results are accurate '' the same response from prior investigations XXXX EMPLOYEES ARE NOT INVESTGATING DISPUTES PROPERLY what ther doing is called .... MONKEY SEE and MONKEY DO! Following each others steps and doings PLAIN OLE LAZY OR SHOULD I SAY NON EXPERIENCED STAFFS l!!!!!!! AGAIN THIS IS FRAUD I DID NOT GIVE ANYONE PERMISSION TO RUN MY CREDIT ( HARD INQUIRY XX/XX/XXXX OF LAST YEAR ) It gets even better!!!! For some odd reason something told me to log back into XXXX XXXX I logged in at XXXX PM AND SEEN THAT MY DISPUTE HAD BEEN PLACED OPEN AGAIN WITH THE STATUS UNDER INVESTIGATION -- -- XXXX the XXXX at XXXX must have reported this dispute and my frustration to upper management!! CLEARLY SOMETHING IS NOT RIGHT. XXXX XXXX MANUALLY OPENED MY DISPUTE BACK UP. XXXX ... .THE US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX LOAN AND GREAT LAKES XXXX ... .NEED TO BE INVESTIGATED PROPERLY!!! THIS HARD INQUIRY IS FRAUD!! Again I am not disputing balances nor disputing that this is not my account. I AM DISPUTING THIS HARD INQUIRY TO BE REMOVED. I DID NOT AUTHORIZE NOR GAVE PERMISSON TO RUN ANY INQUIRY ON XXXX XXXX
Company Response:
State: DE
Zip: 19701
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-25
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: On XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX I submitted to XXXX that an error has occurred with my credit report. XXXX XXXX shows the US DEPARTMENT OF EDUCATION Institution address - XXXX XXXX XXXX XXXX XXXX, XXXX Phone XXXX ( XXXX ) XXXX / GREAT LAKES EDUCATIONAL LOAN SERVICER Institution address XXXX XXXX XXXX XXXX, WI XXXX Phone XXXX ( XXXX ) XXXX - Loan Identification Number XXXX - ran a HARD INQUIRY on XX/XX/XXXX. NO REASON WHY MY CREDIT SHOULD HAVE BEEN RAN. NO PERMISSION WAS GIVING TO ANY STUDENT LOAN COMPANY TO RUN MY CREDIT LAST YEAR I ONLY GAVE PERMISSION 7 YEARS AGO THE YEAR XXXX NEVER DID I APPLY FOR ANOTHER STUDENT LOAN SINCE THEN. This XXXX XXXX XXXX XXXX XXXX XXXX was opened XX/XX/XXXX makes 7 years ago this year in XXXX. NEVER HAVE I BEEN LATE WITH PAYMENTS. I am not disputing balances nor disputing that this is not my account. I AM DISPUTING THIS HARD INQUIRY TO BE REMOVED. XXXX has failed to look into this deeper I have submitted disputes under different reasons and fraud and XXXX continues to send a response back that this hard inquiry info is accurate and will remain on my credit history for 2 years. I DO NOT HAVE ANY OTHER STUDENT LOANS NOR ANY 3RD PARTY I ONLY HAVE ONE STUDENT LOAN OUTSTANDING. I have reached out to Great Lakes spoke to XXXX she indicated that they show no record of my credit being ran. I called the US DEPARTMENT OF EDUCATION and XXXX in the loan management dept indicated she do not show my credit was ran at there end. This is a case of FRAUD AND NEGLIGENCE WITH ALL COMPANIES INVOLVED! I submitted online again on XX/XX/XXXX Confirmation number : XXXX to XXXX my dispute and the XXXX XXXX XXXX ( XXXX XXXX XXXX, # XXXX XXXX, GA XXXX Phone : # XXXX ) DISPUTING this fraud/error. XXXX CHOSE TO CLOSE MY DISPUTE AGAIN WITH NO PROPER INVESTIGATION AND I COULD NOT RETRIEVE ON THE XXXX PORTAL THE REASON THE DISPUTE WAS CLOSED AND DID NOT GIVE ME THE OPTION TO RETRIEVE A REASON AND COPY OF END RESULTS AND THIS FRAUD INQUIRY HAS NOT BEEN REMOVED FROM MY CREDIT REPORT. I TOOK IT UPON MYSELF TO CALL XXXX ON XX/XX/XXXX AT XXXX PM AND SPOKE to a young lady by the name XXXX and ask why I could not see a copy of my dispute I can see is been completed I advised XXXX any other time I am able to print my own copy of any dispute investigation. How is it possible that XXXX can see my report and me not be able to retrieve a copy of my own dispute. Please help me understand??????? Al provided the end results and read back to me was the same results given to me prior weeks ago. Per XXXX " Results are accurate '' the same response from prior investigations XXXX EMPLOYEES ARE NOT INVESTGATING DISPUTES PROPERLY what ther doing is called .... MONKEY SEE and MONKEY DO! Following each others steps and doings PLAIN OLE LAZY OR SHOULD I SAY NON EXPERIENCED STAFFS l!!!!!!! AGAIN THIS IS FRAUD I DID NOT GIVE ANYONE PERMISSION TO RUN MY CREDIT ( HARD INQUIRY XX/XX/XXXX OF LAST YEAR ) It gets even better!!!! For some odd reason something told me to log back into XXXX portal I logged in at XXXX PM AND SEEN THAT MY DISPUTE HAD BEEN PLACED OPEN AGAIN WITH THE STATUS UNDER INVESTIGATION -- -- XXXX the csr at XXXX must have reported this dispute and my frustration to upper management!! CLEARLY SOMETHING IS NOT RIGHT. XXXX STAFF MANUALLY OPENED MY DISPUTE BACK UP. XXXX ... .THE US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX LOAN AND GREAT LAKES XXXX ... .NEED TO BE INVESTIGATED PROPERLY!!! THIS HARD INQUIRY IS FRAUD!! Again I am not disputing balances nor disputing that this is not my account. I AM DISPUTING THIS HARD INQUIRY TO BE REMOVED. I DID NOT AUTHORIZE NOR GAVE PERMISSON TO RUN ANY INQUIRY ON XXXX XXXX
Company Response:
State: DE
Zip: 19701
Submitted Via: Web
Date Sent: 2022-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-25
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: This complaint is regarding the student loan company Nelnet... This is a spousal co-signor loan ... and thru the years it has been been spiraling out of control.. Between continual wrong information given by the representatives and applying for the wrong programs..it had been a financial nightmare for us.. I would like to have my wife removed as the cosigner.. She is a XXXX worker for 28 years and is entitled to Loan forgiveness through the PSLF program as a XXXX worker If the loans were separated into 2 loans.. she would be able to have her part forgiven. Also to note these loans were discontinued in 2004..no notifications was ever given to us.. XXXX XXXX XXXX XXXX are a nightmare as you can not consolidate to Direct loans I was denied this recently This loan was originally XXXX now its XXXX... now accruing XXXX $ in interest every month... We are both in our XXXX 's now.. senior citizens
Company Response:
State: NY
Zip: 104XX
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: My wife ( XXXX XXXX ) and I were advised by our service in 2006 to do a spousal consolidation loan. This was a mere three months before the FFELP program was discontinued by the Dept of Ed. We have been working to repay our loans since then, going in and out of forbearance. However three years ago we discovered, through working with a student loan attorney, that out FFELP loans are in a legal limbo. They are ineligible for IBR, PSLF, or any potential loan forgiveness programs. This is because when the FFELP program was discontinued, no legal options were legislated for those of us still holding these loans. The FFELP constitutes around 80 % of our total student loan debt. My wife and I have both XXXX XXXX XXXX XXXX XXXX for 10+ years, but the FFELP loans can not be forgiven.
Company Response:
State: TX
Zip: 77007
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My goal, intent and wish since repayment began has been to participate in the interest rate deduction for automatic payments. During the pauses like forbearances, that I was steered into rather than an appropriate repayment plan, the ability to participate in the automatic payment interest rate discount was wrongly dropped and discontinued. The studentaid.gov website currently says, " Talk to your servicer to enroll in automatic payments to get a 0.25 % -point reduction on your interest rate. '' As you can see in my repayment history, many initial payments were correctly set up for autopay. While I have looked into how to continue the reduction, including asking or attempting to ask about it by phone over the years, that possibility has been deflected, omitted, prevented, made impossible and/or to seem impossible, etc.
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The federal student loan servicer is reporting my account as late to the credit bureaus. The loan servicer incorrectly reported that I was late on XXXX, XXXX and XX/XX/2017. I was not late and paid on time. The incorrect credit reporting is causing negative credit markings, and negatively impacts by ability to obtain credit and loans.
Company Response:
State: NJ
Zip: 07751
Submitted Via: Web
Date Sent: 2022-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Company Response:
State: FL
Zip: 341XX
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-19
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Nelnet XXXX XXXX Contacted Nelnet to request my Master Promissory Note. XXXX XXXX XXXX XXXX from Nelnet advised me to contact StudentAid.gov for the Master Promissory Note. I replied that I went to StudentAid.gov and the info wasnt there. XXXX I opened a case with StudentAid.gov and received auto email it was confirmed. XXXX XXXX XXXX XXXX from Nelnet advised I would need to contact StudentAid.gov directly. XXXX Received email from StudentAid.gov that they reviewed my case and Nelnet should be able to assist me. XXXX Received encrypted email from XXXX XXXX XXXX with Nelnet with a pdf of a loan consolidation promissory note. This wasnt the promissory note that I inquired about, however I had never seen this document. I noticed someone signed my name and some of the information was incorrect. I advised Nelnet about this fraud and listed the incorrect information in this document. I also asked for the Master Promissory note. XXXX I reached out to StudentAid.gov about the incorrect document sent from Nelnet and my fraud issue. I received another email that advised Nelnet would need to assist me. XXXX Received a 2nd copy of the incorrect promissory note via encrypted message from XXXX XXXX XXXX with Nelnet XXXX I advised again that this was not what I asked for and let them know again this was fraud. XXXX I called Nelnet and talked to XXXX for about twenty or more minutes. I explained I needed my Master Promissory note and let her know about the fraud on the incorrect document from Nelnet. XXXX let me know she was submitting a request for my Master Promissory note and not the document that was sent to me. She let me know it would take around 3 to 5 days to receive it. XXXX provided me a phone # to speak with someone about the fraud. I asked her if this was StudentAid.gov and she let me know it was another group. Unfortunately, I called and that was the phone # for StudentAid.gov. XXXX Received an encrypted email from XXXX XXXX Nelnet to provide my account #, name and date of birth. I provided this information. XXXX Received a 3rd copy of the incorrect promissory note via encrypted message from XXXX XXXX XXXX with Nelnet XXXX I advised that this was the 3rd time receiving incorrect information. XXXX I emailed StudentAid.gov of my recurring issue. XXXX Received email from StudentAid.gov that my case was escalated on XX/XX/XXXX and I could apply for Borrowers Defense to Repayment. I advised although my fraud issue seems to be with the loan servicer I completed the Borrowers Defense application on XX/XX/2022 anyway. XXXX I received and encrypted email from Nelnet Customer Solutions that they tried calling me. My wife also received a call on her phone from XXXX for me. Not sure why they called my wife. I advised Nelnet in previous correspondence that I work full time. I took a break from work and called back around XXXX XXXX, however the call was silent for a few minutes and then a survey came on after four or five minutes, which was strange. I responded to the encrypted email that I tried calling and explained I was returning a call from XXXX. XXXX I received an encrypted email from XXXX XXXX XXXX at Nelnet XXXX She advised that it would take 30 days to receive my Master Promissory note. Obviously, I responded this was the first time anyone has told me it would take 30 days and asked why. XXXX Received a 4th copy of the incorrect promissory note via encrypted message from XXXX XXXX XXXX at Nelnet XXXX I responded to XXXX that this was incorrect and I needed my Master Promissory note. XXXX Submitted complaint to U.S. Department of Education Office of Inspector General . XXXX Talked to XXXX at Nelnet and explained my situation again. XXXX advised that he didnt know why no one had mentioned sending me a fraud package until today, but he would get me to someone at Nelnet to get the packet. XXXX also says he would submit a request to document imaging for the original Master Promissory note. XXXX let me know that they received the loan from XXXX. XXXX Talked to XXXX from Nelnet after being transferred from XXXX XXXX XXXX advised he didnt know how this would work, but he could email the fraud packet to me today. He let me know I would need a police report. I explained to XXXX that I would do a police report, but was confused on why I was having to do all of this leg work instead of Nelnet. I asked XXXX if I could speak with a manager and nothing against him. He understood and let me know he would still email the fraud packet. At this point I was on the phone for over 18 minutes with XXXX and XXXX. XXXX Talked to XXXX from Nelnet after being transferred from XXXX. Explained situation to XXXX and expressed my disappointment and frustration. After talking to XXXX in length, she let me know I wouldnt get the fraud package emailed until around 7-9 days, even though it was via email. XXXX let me know the original Master Promissory Note would be emailed between 4-7 days. I asked XXXX if the fraud package could be emailed earlier and she said it couldnt. I asked XXXX if she could email me a confirmation of next steps in our conversation and she says she could not. I let XXXX know that this was very frustrating as a consumer and I still felt like I was doing all the work for a loan that is with Nelnet. Note : I keep getting the runaround and I still have a fraud issue that I can't get help with. My original request was for the original Master Promissory note, however I noticed the loan consolidation document they sent was signed by someone and not me. It was also not the document I requested. Also, had incorrect information. Not sure if XXXX committed the fraud or what servicer, but it needs to be investigated. I looked up the company, XXXX and looks like it is a part of XXXX. It also looks like the company had issues with student loans.
Company Response:
State: TX
Zip: 760XX
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My student loan servicer, Nelnet, is reporting my student loan as multiple accounts. So instead of one student loan account, my credit report shows 12 different accounts for different amounts. Before the pandemic, I was struggling financially and missed three payments on my student loans. However, since it shows as multiple accounts, my credit report shows 36 missed payments as opposed to 3. I need my credit report to more accurately reflect this because this is preventing me from qualifying for loans and better credit cards.
Company Response:
State: TX
Zip: 75039
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A