Date Received: 2022-03-25
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Nelnet is my federal student loan holder. I contacted them in the fall of 2020 for info on the pause of student loan payments and interest. They gaslight me and keep telling me my loans aren't federal. I've had to pay on my loans without any pause. I can prove they are Federal loans. They continued to insist they aren't federal. I have been on XXXX. for almost 9 years solid. XXXX. is only available to federal loans. I feel that if I have consequences of missing payments ( which I have not ) they should have consequences of lying to me and forcing me to make payments.
Company Response:
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2022-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-25
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I sent a letter to Great Lakes XX/XX/2022, which they received. I requested the original instrument of indebtness and a certified statement confirming and affirming that the original note had not been sold. They have not responded, which means they dont have it and i explained to them i have the right to request it based on the Freedom of Information Act... This is my 2nd attempt. If they cant provide the document, it must be discharged.
Company Response:
State: TX
Zip: 77024
Submitted Via: Web
Date Sent: 2022-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-24
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: This loan is too high. I am having trouble paying it. I did not graduate from this institution because I was not well prepared by the faculty and administration. I am stuck struggling to repay a loan for a school I did not graduate from in a field that I am not currently in.
Company Response:
State: TX
Zip: 75227
Submitted Via: Web
Date Sent: 2022-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. After that I sent you the attached letter and I never got a sufficient response. Unfortunately, credit bureaus often use software that does not complete thorough investigations.I am disputing the following information directly with you, the furnisher of information, and I am requesting that you send me all papework you have on this account so i can review the accuracy of your reporting. You are a financial institution identified in 15 U.S. Code 1681a ( t ) Financial Institution.The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. For the record I do know and understand by law, who you are and who I am. 1. I would like to see your GAAP ( general acceptance accountability principles ) which is your paper trail from where/when it came directly from your account. 2. I also want to know who is the original creditor? 3. I am also requesting the Individual Masterfile ( IMF ) pursuant to 15 USC 1681G this should contain every payment I ever made, the original wet signature contract, not a copy or printouts, it should also contain info on where you got it, how you got it, and when it was stored. If dont get this its a violation 4. Also I do not recall you CLEARLY and CONSPICUOUSLY disclosing to me the CONSUMER my right to opt out according to
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone got a student loan in my name. This is not me and I want it off my credit now.. its over XXXX $
Company Response:
State: GA
Zip: 31503
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone got a student loan in my name. This is not me and I want it off my credit now.. its over XXXX XXXX
Company Response:
State: GA
Zip: 31503
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/2022, I sent DEPARTMENT OF EDUCATION/NELNET a certified mail letter requesting information in which I have yet to receive a response. DEPARTMENT OF EDUCATION/NELNET IS IN VIOLATION of my rights as a Federally Protected Consumer.
Company Response:
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2022-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This company has not reported since XX/XX/2021 and the customer service is being on the phone.
Company Response:
State: CA
Zip: 94544
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-19
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I am submitting this complaint against Great Lakes Educational Loan Services in regards to not providing me with information regarding loan repayment programs such as XXXX XXXX XXXX XXXX or the XXXX XXXX XXXX XXXX during the time Great Lakes Educational Loan Services served my student loan from XXXX to XXXX. Despite I worked for a non profit XXXX organization for 6 years during XXXX to XXXX, it looks I am not getting credit under the XXXX XXXX XXXX XXXX due to the fact that Great Lakes Educational Loan Services did not enroll me in an Income based XXXX XXXX XXXX. Instead, my loans were put in Deferment. I am the first one in my family to attend college. I come from an underserved background. I was not informed by The Great Lakes Educational Loan Services that I could had been enrolled in an Income Based Program instead of putting my Loans in Deferment.
Company Response:
State: CA
Zip: 93274
Submitted Via: Web
Date Sent: 2022-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: The cares act has been in continuous effect since XX/XX/XXXX. Nelnet ... servicer of my govt studend loans has twice ( x5 loans =10 neg reports ) reported negative pay status of 120 days. Federal student loan payments are scheduled to restart beginning in 60 days.. President Joe Biden extended temporary student loan relief through XX/XX/XXXX, which was his third extension. this makes a total of five ... more imoptantly... why do i have the the servicer of federal loans reporting negative status during this timeframe? i have disputed this twice now... i still have negative reports. the cares act has been in continuous effect since XX/XX/XXXX and currently runs through XX/XX/XXXX ... No negative status reporting during student loan relief... Nelnet is wrong to do so...... TWICE... why is this so hard to understand? Why are they ruining my credit? XXXXXXXX XXXXXXXX XXXX XXXX ( service connected ). last gainful employment XX/XX/XXXX. Unemployability- fully developed claim SUBMITTED XXXX and wrongfully denied XXXX, XXXX claim error presented to Veterans law judge- currently under review
Company Response:
State: OR
Zip: 97322
Submitted Via: Web
Date Sent: 2022-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A