Date Received: 2021-12-12
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: There are several student loan accounts on my XXXX report. I consolidated all of my student loans. No need to have several accounts on my report. Leave current one and remove the rest of all those accounts on my report!
Company Response:
State: TX
Zip: 766XX
Submitted Via: Web
Date Sent: 2021-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: These 3 agencies XXXX, XXXX and XXXX are in violation of 15 U.S.C 1692g. They were to notify me of this in writing 5 days prior I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Please delete these accounts immediately.
Company Response:
State: TX
Zip: 77088
Submitted Via: Web
Date Sent: 2021-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Information pertaining to student loan accounts ending in XXXX are to be excluded from my consumer report. 15 U.SC. 1681 ( a ) ( 2 ) 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; The term financial institution as outlined in 15 U.S. Code 6809- ( 3 ) Financial institution ( A ) In general The term financial institution means any institution the business of which is engaging in financial activities as described in section 1843 ( k ) of title 12. 15 U.S.C 1681a ( ii ) ; states a consumer reports does not include any report containing information solely as to transactions or experiences between consumer and the person making the report. Consumer reports are also not to include any authorization or approval of a specific extension of credit ( student loans ) directly or indirectly by the issuer of a credit card. NELNET whom is the student loan servicer had disclosed the account balances as well.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2021-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-10
Issue: Getting a loan
Subissue: Fraudulent loan
Consumer Complaint: 1.I have never had XXXX LOANS, REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) STUDENT LOANS, the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. XXXX.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Company Response:
State: TN
Zip: 371XX
Submitted Via: Web
Date Sent: 2021-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am distressed that you have included DEPT OF ED/NELNET XXXX information in my credit profile on and that XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Under the Federal law : I respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. Also, please add a promotional suppression to my credit file. Thank you,
Company Response:
State: MD
Zip: 20707
Submitted Via: Web
Date Sent: 2021-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am distressed that you have included DEPT OF ED/NELNET XXXX information in my credit profile on and that XX/XX/XXXX - XX/XX/XXXX you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Under the Federal law : I respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. Also, please add a promotional suppression to my credit file. Thank you,
Company Response:
State: MD
Zip: 20707
Submitted Via: Web
Date Sent: 2021-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-09
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: Hello, the year is XXXX and I was a student in XXXX XXXX university and from the beginning I felt that this was not the place I wanted to be. I was XXXX years old and just got out of high school with no knowledge on how the real world worked but because of reasons with family matter I was convinced to go here. When I went to XXXX XXXX university I was told that they had XXXX XXXX classes that would teach me all that I needed to succeed and I believed them but I was very wrong. I asked them if other Students come here trying to do the same and when I was there none of them did. 3 days later after classes had started around XXXX, I asked one of my professors that teached XXXX transitioning to XXXX XXXX ( which I believe is a professor to go when you need help to transition ) about my major and I remember to this day what she said and I quote " Do we even teach that here? '' from there on I had to get out. Another was the teachings, an example was XXXX XXXX and as a XXXX XXXX I was excited at first but when I was in class all they were teaching was how to use XXXX XXXX. I would Like to include that XXXX XXXX is not learning to use XXXX XXXX and that includes XXXX XXXX, XXXX XXXX XXXX software and the very next week I went to the office and told a the woman there that I wanted to drop out because I felt that this college is not for me and what I want to study for. So I told her what that professor said because it made me feel more lost than I already was and because I was so XXXX and XXXX XXXX I even cried in her office where there were people around but all she could say was something like don't drop out because what would all of your friends think when they see you are the only one not graduated. Even after telling her that this was not the college I wanted to be in she still insisted I stayed. I ended up wanting to drop out before it was too late but when I did there was nothing I could do since the time period had already past. My experience in this college can be described as a misfortune since they did not teach what I was looking for even though they told me they did and my hope was to at least learn similar things so that I could transfer my credits but that was not the case. At the time this college was more focused on other studies but not game design. I am in another university and from the very beginning they kept their promise and what they teach are so much more and as you can see it is not my incapability to not learn but what was being taught in that XXXX XXXX was not remotely close or what they taught was not in the major that was told to me from the beginning.
Company Response:
State: FL
Zip: 32832
Submitted Via: Web
Date Sent: 2021-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-09
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: In XXXX I filed a CFPB complaint about Firstmark Services for failing to accurately and evenly apply my repayments so that I had one due date after repeated attempts to resolve this problem through phone calls and XXXX over an entire year. Firstmark had been over-applying my payments to select accounts then they would contact me to say I was overdue on accounts they ignored. After repeatedly making this mistake, admitting that manual and computer errors were to blame, they would then repeat the mistake and at one point had even sent me to collections. Sequence of events : I paid XXXX and XXXX at the same time. Firstmark didn't allocate the early XXXX payment so that I would be a month ahead and instead took XXXXXXXX XXXX payment and overpaid some accounts and ignored others. The issue arose when I was showing an XXXX due date in XXXX. Somewhere along the way in dealing with this issue, where the due date was supposed to read XXXX, they reverted it even further back to XXXX ( see excerpt in quotes further down in this complaint ). I made my normal {$470.00} payment in XXXX ( I always pay {$30.00} more in every single payment over the course of 5+ years ) and while fighting with Firstmark about this problem, a due date for XXXX arose and to avoid any credit problems, I made an XXXX payment which should have covered XXXX because I was a month ahead. After the CFPB addressed the issue, my account read that my next due date was XX/XX/XXXX, but now it shows not only an XXXX due date again, but my details page also shows my accounts are set for different dates indicating that they have failed again to apply my payments among all my accounts so that the due dates are the same. Below is an excerpt from my original complaint, which is attached. " Consumer 's Original Complaint : After yrs of making payments, in 2020 FirstMark Services started to apply my payments to only some of my accounts letting others sit delinquent. I contacted them and they said they would fix it, but instead ended forward payments so if I made two payments to cover two months, the additional amount went to principal not the following month. 2 weeks ago they sent me a delinquent notice for around {$17.00} when I made payments covering XXXX & XXXX. When I reviewed the acct before my call the due date was XX/XX/XXXX ( I paid XXXX & XXXX ). Between speaking with the worker who claimed to fix this and the manager ( minutes ), the due date changed from XX/XX/XXXX to XX/XX/XXXX which is worse. The manager said she fixed it AGAIN and that it would read a XX/XX/XXXX due date within 3 days. It's been a week and reads a due date of XX/XX/XXXX when it should be XX/XX/XXXX. I'm tired of these nonstop mistakes and problems. They've been threatening collections & these are their mistakes. I want them to fix this for good. '' In short - I prepaid XXXX and XXXX ( {$470.00} x2 ), then paid XXXX ( {$470.00} ), but they never counted XXXX so when I didn't owe money in XXXX ( {$470.00} ), I made a payment anyway so they wouldn't create issues for my credit. My due date in XXXX read XX/XX/XXXX in an amount of {$440.00} and today it reads XX/XX/XXXX with a past due amount of {$510.00} ( which is impossible because my monthly payment should be {$440.00} - where did {$510.00} come from? ) plus {$440.00} coming to a total of {$960.00}. I wish I had screenshot the page in XXXX that read a XXXX due date, but I believed at the time the issue was resolved and planned to make that payment this month. I owe as of XX/XX/XXXX {$440.00}, not {$960.00} and as mentioned above, my details page shows they have different due dates on my accounts.
Company Response:
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2021-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-07
Issue: Getting a loan
Subissue: Fraudulent loan
Consumer Complaint: 1.I have never had STUDENT LOANS, REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) Any STUDENT LOANS, the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Company Response:
State: TN
Zip: 37013
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-07
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I had a XXXXXXXX XXXX Student Loan serviced by Firstmark. The balance was {$210000.00} on XX/XX/XXXX. I had initially planned to refininance roughly XX/XX/XXXX between XXXX and XXXX XXXX. My XXXX ( serviced by Firstmark ) refinance for {$110000.00} was completed and applied to the XXXX loan on XX/XX/XXXX. Ultimately, it made more sense to refinance the balance entirely through XXXX XXXX ( serviced by XXXX ). XXXX XXXX payed Firstmark {$210000.00} on XX/XX/XXXX. Firstmark applied {$100000.00} of this to the XXXX XXXX Loan to close it out. They reasonably elected to apply the balance of {$110000.00} to the commonbond loan on XX/XX/XXXX, closing it out and leaving a credit of about {$6000.00}. I contacted XXXXFirstmark a few times and was assured that XXXX XXXX would be receiving the credit of {$6000.00} within a week or 2. I received a Loan paid in full letter from FirstmarkXXXX on XX/XX/XXXX. To my dismay, on XX/XX/XXXX, I checked my account and found that I am noted to be past due. Firstmark reversed the {$110000.00} payment. I called them on XX/XX/XXXX. Initially, I was told that the check bounced, or that I had stopped payment or something. After numerous calls and emails a few days per week, I am told that they are investigating it. They refuse to take me out of past due status in the meantime. They haven't refunded me or XXXX XXXX. They refuse to escalate me to supervisors in customer service and every time I call, they tell me they are putting in a request for a review, and I will hear from them in 1-2 business days. Emails note to expect a reply within 2-3 business days. They have not reached out to me at any point despite numerous promises of a resolution being a couple days away for the past 2+ weeks.
Company Response:
State: OH
Zip: 43214
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A