Date Received: 2021-11-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I previously filed a complaint. The deletion of the XXXX did not include XXXX Credit Bureau in the letter of response. Repeating info : I filed for bankruptcy with my husband on XX/XX/XXXX. My attorney that handled our case name is XXXX XXXX here in XXXX, GA. My problem is with XXXX and XXXX XXXX They have reported negative information on my credit report since the day we filed and would not change it. They have reported the private student loan as charged-off instead of in-deferment. Our bankruptcy was discharged in XX/XX/XXXX. The private student loans were discharged in our bankruptcy. They were notified again but would not make the change or remove it from my credit file. I made several attempts to contact them. I've been trying to get this permanently removed from my credit report since XX/XX/XXXX. They finally removed it. They put the private student loan back on my credit file in XX/XX/XXXX and made my credit score drop from XXXX to XXXX. The status is showing paid/charged-off. They still will not remove it. I have written to them and called, they will not respond. I sent them the bankruptcy discharge and the credit bureaus. XXXX XXXX has sent in requests to have the information removed numerous times and they still will not respond. Please advise.
Company Response:
State: GA
Zip: 314XX
Submitted Via: Web
Date Sent: 2021-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-31
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I started school back in the late 90 's, it took me over 13 years to finally complete my Bachelor Degree as I was working two jobs and attending school part time off and on. I have been a single parent since 2007, I have worked 2 to 3 jobs at a time to make ends meet so I had to keep deferring but I finally have a job where I can afford about {$200.00} a month to start paying back my student loans. ( I used the maximum amount for my Bachelor which is XXXX and I took only two semesters toward my Masters ). Now that I am able to pay my loans back, my total amount due is {$170000.00}!! I emailed Federal Aid and told them there must be a HUGE mistake because I only borrowed about XXXX and they wrote back and told me the interest has been accruing daily for {$25.00} per day. So, I have {$100000.00} in interest which makes my payments about {$900.00} a month! I also saw on my portal that if I pay off my loans by XXXX, then I will have paid over {$300000.00} for my Bachelor Degree! I am literally sick over this and not sure where to turn because I don't want to have my wages garnished and a lien on my home I have worked so hard for. I worked for XXXX XXXX XXXX for 16 years and I didn't even know that the interest would amount to this much! Please help me. : (
Company Response:
State: FL
Zip: 33993
Submitted Via: Web
Date Sent: 2021-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-01
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 is no longer with great lakes higher education. I am now with XXXX DEPT OF ED. But great is needs to get remove from my credit report i tried to dispute it nothing is getting done. The account was open in 2009 {$1200.00} {$7500.00} {$18000.00} {$2900.00} {$10000.00} {$1700.00} {$7500.00} this loan has been consoildated with XXXX so why is it still on my credit report
Company Response:
State: TX
Zip: 78233
Submitted Via: Web
Date Sent: 2021-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: REQUESED VALIDATION. ALSO CONYACTED NELNET ABOUT 15 USC 1681b ( a ) ( 4 ) " infringed Upon a Consumer 's right to privacy '' as well as 15 USC 1681b ( a ) ( 2 ) not having permissible purpose nor written instruction. This is a defamation of my character, and hindering me from living as an equal consumer of these United States
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX XXXX took assumed XXXX XXXX loan. I am the cosigner. I have excellent credit. my niece had a late payment. I called First mark when I saw how much my XXXX XXXX plummeted and they said they have documentation that I was notified multiple times by phone. I NEVER received XXXX phone call. I pride myself on hardwork and have earned my excellent XXXX XXXX. If I had knowledge of a late payment I would NEVER jeopardize my XXXX XXXX. I am requesting that this unfair mark be removed from my XXXX XXXX. I have no history of being " delinquent or in collections and I certainly do not want this to start now. I have worked my entire life to maintain an excellent XXXX XXXX and the impact of this will last many years. I am appalled how this company was not interested in anything I had to say. Again, I must reiterate that I never received a phone call regarding this situation despite what they have on record. We have had this loan since XXXX. I have never had a XXXX XXXX lowered or been sent to collections/delinquency since the inception of this loan. Please advise
Company Response:
State: MA
Zip: 01887
Submitted Via: Web
Date Sent: 2021-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-30
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 name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately.
Company Response:
State: CO
Zip: 800XX
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello. A representative XXXX from Firstmark called me to get payment from a loan my ex husband took out for our daughters college tuition. He applied for that loan in XXXX from XXXX. Since then, XXXX sold the loan to Firstmark. I talked to XXXX to let her know that my name was signed electronically and she said there is nothing she can do. XXXX admitted on a recorded line that I did NOT co-sign on that loan for my daughter. Now, I have a missed or late payment on my credit for something I have no dealings with. Here is the contact person at Firstmark to validate what the conversation was about on XX/XX/XXXX around XXXX XXXX XXXX Recovery Specialist II Firstmark Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o : XXXX Firstmarkservices.com
Company Response:
State: PA
Zip: 16801
Submitted Via: Web
Date Sent: 2021-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-29
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am the cosigner on a private student loan being serviced by Firstmark Services. The loan was scheduled to be put back into repayment status with a payment due on XX/XX/21 of XXXX due. On XXXX I made a payment of XXXX toward what was due. Firstmark Services continues to tell me the XX/XX/21 is NOT paid and the due date has NOT advanced 1 month. Firstmark Services considers this an overpayment, however, the amount due was paid. The servicer is in error. XXXX XXXX
Company Response:
State: NC
Zip: 284XX
Submitted Via: Web
Date Sent: 2021-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: ok.. @ nelnet has been sending me the same letters over a XXXX student loan that amounts to like {$4000.00} tht ive lived in poverty most of my life and could not repay so now this {$4000.00} loan from XXXX has ballooned to {$40000.00} they claim in repetitive letters.. and then they say i can have this discharged by sending letters of disaability ( which i have sent proof ) every time im on ssdi and have been for over 25 years living on {$790.00} a month.. when i send it then they say i have to have a doctors proof as well.! they wont stopp harrassing me! letter after letter.. last one was sent on XX/XX/XXXX, XXXX they keep saying wage garnishment may take pplace! i need help with this it is ridiculous..it was a XXXX XXXX SUBSIDIZED LOAN XX/XX/XXXX XX/XX/XXXX THEY JUST WONT STOP IT IS XXXX! AND THEY KKEEP ON NO MATTER HOW MUCH PROOF SEND THEM
Company Response:
State: OH
Zip: 45638
Submitted Via: Web
Date Sent: 2021-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-28
Issue: Problem with customer service
Subissue:
Consumer Complaint: In XXXX I switched my Student Loans Consolidation company to an third party XXXX XXXX XXXX XXXX. XXXX XXXX was in charge of my federal XXXX XXXX of Direct and Unsubsidized and XXXX XXXX monies after the loans were closed in XX/XX/XXXX were stolen in the amount of {$10000.00} dollars. He kept my identity even after I tried to get it back because I hired him to submit my FASFA Loan Forgiveness Discharge Application to the Department of Education for XX/XX/XXXX Conditional Discharge and Cancellation in the amount of {$30000.00} Dollars. XXXX XXXX XXXX XXXX XXXX XXXX gave me harassing phone calls and every XXXX to XXXX months he wanted me to fax in my signature on file he said to keep forbearance records updated and instead of taking one year it took six years to complete the Application process and my loans were finally forgiven or XXXX by the federal government in XXXX from XXXX. Today I have a Zero Identity and nothing to show for it. My family suffers and he still has my numbers and harassed me through soliciting advertisements and junk Mail. I was scammed. I cant prove it but my mom can and I need her to soon. He isnt getting away with this. Thank You.
Company Response:
State: NC
Zip: 279XX
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A