Date Received: 2022-04-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The reasons why this is violating my rights by not following Federal Law as Authorized. The Federal Credit Reporting Act Requires the CRAs ( Credit Reporting Agencies such as yours to have PHYSICAL COPIES of the contract documents signed with creditors bearing my WET INK signature that are being reported, but everything that is being reported here is transferred electronically, not face to face or by mail. This means that you the Credit Reporting Agency do not review and or verify any credit application, signed contracts or any documents whatsoever that you are reporting and that is in direct violation of the law. None of the items listed below BELONG TO ME and have NOT been verified and or validated as belonging to me and are considered fraudulent and should therefore be deleted immediately.
Company Response:
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2022-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-02
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: On XXXX XXXX, I started my continued education at XXXX XXXX XXXX XXXX at XXXX XXXXXXXX XXXX, NY. I'm currently in the XXXX XXXX in XXXX XXXX. All my requests for student loans were accepted. The problem I have with the XXXX XXXX XXXX is that they refuse to give me the funds from my student account to have my apartment wired for Internet service. I received a quote from an agency that was for {$170.00} to install the wiring needed for the internet service. I told the XXXX XXXX XXXX XXXX campus that I need this money from my student account and was instead directed to the job placement office. I'm totally confused about my student loans about why they were sent to the School in the first place. I don't receive any statements for how much money is in my student account. So far the XXXX XXXX XXXX XXXX has sent me textbooks with missing chapters and books that I didn't need for some classes. These textbooks are not cheap. I found out that the College is for profit. I'm an A and B student and I'm doing very well, with the exception that I have to go to the neighborhood library to do all my assignments. This shouldn't be as I have more than enough in my account that the College should authorize the money needed for the internet service to be installed in my apartment. After installation the cost is {$40.00} a month. The College loan officer said all money not used is going to be sent back to the agency lender. I find this to be a way of not letting me graduate. I feel like I'm being discriminated against because of my age, XXXX XXXX XXXX. This is my second complaint about the same thing. XXXX XXXX XXXX XXXX is holding my student loans for the purpose of collecting interest from my loan. I continually receive emails about attending tutoring. Why would I attend tutoring if I have a grade point average of XXXX. I find them continually trying to get me to do things that I don't need to do just so they can take money out of my student account that I have been denied for taking out of MY STUDENT LOANS FOR THE PURPOSE OF WIRING MY APARTMENT FOR INTERNET SERVICE. When I filled out the paperwork for XXXX XXXX XXXX XXXX, I was told that I would be set up for SUCCESS. I explained to the recruiter that I didn't have internet service or the money to have it installed and I was assured that the loans would be there to help with that. I have a nephew who is attending college and in his first month received {$7000.00} to help with the cost of his education. WHY WOULD THIS NOT APPLY TO ME????
Company Response:
State: NY
Zip: 10466
Submitted Via: Web
Date Sent: 2022-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-01
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am a parent ( age XXXX ) who took out student loans through Nelnet ( servicer ) These loans were taken out in 2004 at the amount of XXXX $ they are now XXXX This servicer has continually provided the most inaccurate and wrong information throughout the years.. I made years of payments.. I was never informed that these particular type of loans were discontinued several years ago.. Each time I called in they told me to apply for Income based repayment, along with several other programs that I did not qualify for ... years of wasted wrong information. These loans are also comaker loans with my wife.. which makes it worse and They do not allow me to consolidate the loans.. I have requested this several times..as years have passed. They accrue interest of XXXX a month AS a senior citizen the fact that no help is offered in any way... is very worrisome to me and my health.. The representatives they have have steered me into a black hole ... .in which I can never get out I need help in this matter Thank you XXXX
Company Response:
State: NY
Zip: 104XX
Submitted Via: Web
Date Sent: 2022-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-31
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: Loan was consolidated XXXX, servicer Great Lakes acquired in XXXX. I have disputed on many occasions the inaccurate information that has negatively impacted my credit. I have contacted all agencies involved and was advised that Great Lakes is unable to provide any full breakdown due to the lack of information or documentation that was with the previously servicer that initiated the consolidation. The servicer was originally XXXX XXXX. The date opened XX/XX/XXXX. The date of last payment with XXXX and XXXX shows XX/XX/XXXX however XXXX only shows last payment date showsXXXX. Disbursements for XXXX XXXX XXXX was {$3300.00} XX/XX/XXXX and {$3300.00} XX/XX/XXXX for a total of XXXX. From Federal student Aid site the check disbursement shows {$7600.00} with the original amount showing as {$7700.00} XX/XX/XXXX. The principal balance showing as XXXX. Great Lakes reports the original amount to be {$8500.00} with a principal amount XXXX. This has caused 219 % of my utilization.
Company Response:
State: GA
Zip: 30017
Submitted Via: Web
Date Sent: 2022-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-31
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 loans are currently in deferment yet nelnet is still reporting my payment status as late and it is severely affecting my score
Company Response:
State: CA
Zip: 92394
Submitted Via: Web
Date Sent: 2022-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-31
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 mailed several notices to Nelnet Loan Services Inc., dating back to XX/XX/XXXX and I have not received any useful replies to validate that Nelnet Loan Services Inc., are holders in due course. During the validation process the debts were transferred several times making it extremely difficult to locate whomever is reporting the debts to the credit bureaus. On XX/XX/XXXX Nelnet Loan Services Inc., flagged my credit files with inaccurate/unverified information. Their accounts were updated on XX/XX/XXXX Please be advised that Nelnet Loan Services Inc., are not Holders in Due Course ; no services or goods were received from Nelnet Loan Services Inc., and I have not agreed to pay/tender anything to Nelnet Loan Services Inc. Nelnet Loan Services Inc. , have not provided any documents or itemized statements VIA MAIL proving I owe any debts to them. Proper documentation from Nelnet Loan Services Inc., was NOT provided to me to allow Nelnet Loan Services Inc., to verify the accuracy of their data that was placed with the credit bureaus for collection. This proves that Nelnet Loan Services Inc., is not an honorable or honest business that allows their alleged clients the opportunity to defend themselves. I have not provided signed wet-ink releases of my private information to Nelnet Loan Services Inc . Nelnet Loan Services Inc., does not have my permission to contact me on my private phone line attempting to collect on debts that do not belong to me. I will reply VIA MAIL and I can only be contacted via mail. Nelnet Loan Services Incs reply outside of the CFPBs portal, must be delivered via the postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. Please abide by all mail codes. All calls are recorded for my safety.
Company Response:
State: SC
Zip: 29445
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: In XXXX I enrolled in a XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I completed 5 years of my masters as a full time student and than was involved in an XXXX. Left with a XXXX XXXX I was unable to finish and obtain my license to make money. My student loans ( XXXX XXXX, XXXX and plus loans went into default ). I was granted XXXX XXXX According to XXXX- XXXX onset XX/XX/XXXX, date of entitlement- XX/XX/XXXX - medical review XX/XX/XXXX with a 3 year review status The treasury did a TOP offset to my check for $ XXXX. ***Social security administratioXXXX NEVER reviewed meIN 3 years instead they forwarded me a letter that : *** I DID NOT NEED TO BE REVIEWED. It is now 7 YEARS LATER. According to XXXX discharge form with NELNET,- with a XXXX year NO REVIEW, I can ask that my loans be discharged. I forwarded NELNET the letter of no review needed by SSA. NELNET declined my TPD due to SSA having me listed as 3 year review! HOW DO I GET SSA TO CHANGE MY REVIEW LETTER TO 5-7 YEARS SO NELNET WILL APPROVE THE TPD DISCHARGE? I am currently still receiving XXXX - XXXX XXXX XXXX. Sincerely, XXXX XXXX
Company Response:
State: NY
Zip: 10598
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: As of XXXX I was told I was not able to get my monthly payments lowered & would have to start making Payments toward my loan of {$160.00} or more. Until I begin school in XXXX I would have not been able to defer my payment if I was not taking another course. I am a single mother of XXXX living in my home and I am not able to make those payments.
Company Response:
State: IN
Zip: 479XX
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I was contacted by a third party student loan debt department located in California so they say called XXXX XXXX. They offered to consolidate my student loan debt and take it off of my government approved loan provider. It sounded promising at first and desperate as I was to help myself with my {$15000.00} debt of student loans I signed some forms and was willing to pay a starting fee of {$150.00} for them to begin a process to put me in a repayment program. This was done yesterday. They changed my password for my fasfa and I was currently waiting approval. This morning I did a little research on the company and a majority of what appeared was about debt scams and one of the red flags people talked about was an upfront fee of {$150.00} just like they offered to me to begin. I contacted my loan provider Great Lakes this morning and they told me that the repayment plans they offer are free and it was most likely a scam. My fasfa has a lot of my personal information in the system so I changed my id and password. I contacted my bank and notified them that once the {$150.00} is charged Ill contact them again to stop payments to whatever provider is charging me. I feel like these student loan forgiveness programs have been trying to catch me since 2016. They all say their companys are located in Cali. Some offer to transfer you to a representative once they have basic info but this one handled everything by himself. Bashing any known and certified government loan provider that they will help you benefit more than others.
Company Response:
State: LA
Zip: 70043
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Getting a loan
Subissue: Confusing or misleading advertising
Consumer Complaint: I am writing this letter in regards to student loans matters under my name XXXX XXXX. The student loan offices used deceptive practices to administer student loans at their schools. The private institution had stated student loans would be and could be used for books, housing, meal plans and other personal expenses.I live in transitional housing the department authorized several student loans in my name from the administration to my the student per request that these funds could be used for such expenses in which I did. I worked my jobs and needed money for my uniforms and clothing as per apart of the request of these work locations. Im asking the review of my student loans and per the XXXX look at XXXX XXXX deceptive practices to give out student loans to their students. I look forward to your swift investigation.
Company Response:
State: DC
Zip: 20019
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A