Date Received: 2021-10-28
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: To whom this may concern, Please note By law I can request information and debt validation on any account under FCRA 623. XXXX XXXX XXXX XXXX For starters, Great lakes sent me papers stating I owed an alleged debt which is a violation of 15 usc 1692b ( 2 ). Great lakes also stated that I signed papers. Please provide me with an original copy of contract bearing my signature in wet ink to validate what you sent to the credit bureaus to " verify '' this information reporting on my credit report and in any system holding my consumer information. The above referenced account is on my credit report. Pursuant to 15 usc 1681a ( D ) ( ii ) ( ii ) ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; I never gave you permission to furnish, sell or distribute my personal information on my credit report. Section 623 of the Fair Credit Reporting Act ( FCRA ), enforceable under the Fair and Accurate Credit Transactions ( FACT ) Act ; affords consumers the right to request that the furnisher of information conduct a reasonable investigation into the completeness and accuracy of the information being reported to the credit bureaus. Furnishers of information are under Section 312 of the FACT Act to establish and maintain guidelines on the accuracy and integrity of information furnished to credit bureaus, which means they should be able to conduct a proper investigation of records. Failure to perform a reasonable investigation can constitute legal action under the FCRA, Section 616, for willful non-compliance.
Company Response:
State: SC
Zip: 29418
Submitted Via: Web
Date Sent: 2021-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have been paying my student loans regularly and on time. My Cosigner and myself saw a huge drop in our credit scores. I called them XXXX ( XX/XX/XXXX ) they could not find the issue at first. They eventually found the issue and said it would be rectified and would give me a call that Monday ( XX/XX/XXXX ). They did not give me a call. I called them Tuesday and they gave no help on fixing this problem. They stated it just went on to review which they said they were doing that Friday ( XX/XX/XXXX ). My cosignor and I rely on our credit score to be good because of our business.
Company Response:
State: PA
Zip: 19083
Submitted Via: Web
Date Sent: 2021-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I tried reaching out to US Dept of Ed after my mortgage loan advisor told me that my account is showing past due. It appears that XXXX is mistakenly reporting the account as past due when really all of my accounts are current. US Dept of ed is stating that they dont see the error on their side so i need assistance having this updated.
Company Response:
State: MD
Zip: 21230
Submitted Via: Web
Date Sent: 2021-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I have no accounts with US DEPT OF EDUCATION/GLE. My student loans were with XXXX which are completely paid off and closed as of XX/XX/2021. US DEPT OF EDUCATION/GLE is reporting to XXXX when XXXX have no accounts whatsoever with them at all. Please US DEPT OF EDUCATION/GLE cease all reporting of this negative account immediately.
Company Response:
State: UT
Zip: 841XX
Submitted Via: Web
Date Sent: 2021-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-24
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My wife and I are parents that have had XXXX children go to college that are paying back student loans. I supported all of my children by co-signing for their loans, one of which, I was able to pay off. In order for my youngest child to finish college at XXXX XXXX University, over the phone, I agreed to the loan, later to find out it was a " Parent-Plus loan '' loan that she nor I were given details about the loan terms, nor did we understanding this type of loan or the ramifications of it's terms. My daughter called me from the finance office of the school at the last moment for her enrollment. My complaint revolves around how my payments, to date, are being credited to the loans, extreme interest charges, and the lack of explanation as to why and how the fees and charges are causing the loans to increase, regardless of the payments made to date. The original loans for the Parent-Plus Loans totaled {$36000.00}. Since XX/XX/XXXX, I have consistent made payments totaling XXXX, but my total balances have continued to increased, to date, to {$42000.00}. I have attached documents explaining the terms, payments and balances of the loans. My wife and I would like to apply for assistance with the loans or forgiveness, given that she and I are XXXX years of age and are at our retirement ages. Please review the attached " Account Balances Statement '', original loan amounts and outstanding principal balances column for balance discrepancies and exorbitant terms. Also see the Detailed Payment History report and Account Snapshot and advise. Thank You, XXXX XXXX
Company Response:
State: SC
Zip: 29605
Submitted Via: Web
Date Sent: 2021-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-23
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 about 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 willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report :
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2021-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-23
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. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2021-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-23
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have been paying on my student loan for 21 years and I owe more money now than what I originally borrowed. I borrowed approx XXXX now I owe XXXX. Though this account has been paid off through XXXX XXXX XXXX I would like my account looked at for accuracy because it doesnt make sense. Before I consolidated with XXXX XXXX I called Nelnet and was told I had another 180 payments.
Company Response:
State: NY
Zip: 14217
Submitted Via: Web
Date Sent: 2021-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-23
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I attended XXXX XXXX in XXXX and they shut down before we could graduate. I read that the loans were being forgiven. I clearly fall in the category to get this loan forgiven and would like to move forward with getting this taken off. Also id like to know how do I get my money back for the portion of the loan that I've paid on already. Any helpful information will be appreciated. Please and thank you.
Company Response:
State: MI
Zip: 48035
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-23
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 'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on Nelnet Loan Services. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2021-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A