Date Received: 2021-10-06
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: Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Company Response:
State: CA
Zip: 95661
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
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: Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Company Response:
State: CA
Zip: 95661
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-07
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Great Lakes is demanding that I pay them about XXXX in regards to a student " loan. '' Credit is my right. I am aware that I made a consumer credit transaction for the use of my personal purposes. The finance charges according to 15 U.S. Code 1605, is the sum of all charges and does not include paying money outside the charge. I am the original creditor and do not owe Great Lakes any money, I never gave them written consent to contact me in regards to the alleged debt, They owe me for falsely representing my account, adding interest to the " loan '' and sending incorrect billing statements..
Company Response:
State: SC
Zip: 29210
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My Nelnet student loan account was included in my chapter XXXX bankruptcy ( case # XXXX ) that was filed on XX/XX/2020 and subsequently discharged on XX/XX/2020. Per my attached petition, you will find that the loan listed as part of my Schedule E/F ( item 4.10 ) on page 22. After filing, Nelnet was notified of the inclusion of the debt and they were given time to object to it's inclusion, but they never did. I have asked them repeatedly to provide proof that they objected it's inclusion with the court and they have failed to provide it to me. Their simple response is " you still owe the debt ''. Since that time, they have not only reported it inaccurately on my credit reports, but they have also assessed over {$1500.00} in interest or fees to my outstanding balance.
Company Response:
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: DEPTEDNELNET XX/XX/2013 this is the date this account was opened on my credit report which I want a dispute because it doesn`t belong to me.
Company Response:
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Hello. I am an XXXX XXXX member of the United States XXXX XXXX. I have been on XXXX XXXX since XX/XX/XXXX. I have federal loans. I applied for the public student loan forgiveness program in XXXX. I was told at the time that I had been paying too much on my standard repayment plan and by time I did an income based repayment plan my loans would be paid off before they were forgiven. I know now that to be completely false. In XX/XX/XXXX, I applied for the TEPSLF program. I had to wait until XX/XX/XXXX for the Department of Education to determine whether the United States XXXX XXXX was a qualifying employer. Then I promptly got a denial letter because I had FFEL loans. I called student aid and they explained that I could consolidate with direct loans but I would have to start the 120 qualifying payments all over. I saw the news about the overhaul of the program. I called student aid and was on hold for over 20 minutes. I then had to be transferred to a different department where I have been on hold for over 30 minutes. Thats nearly an hour total. I am requesting your help. I have made payments on my federal student loans since XXXX. I have been a member of the XXXX XXXX XXXX XXXX the entire time. Thank you for your consideration. XXXX XXXX XXXX XXXX
Company Response:
State: CO
Zip: 809XX
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Nelnet is reporting to the credit reporting agencies that accounts ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) have late payments. However, they are all associated with proven student loan repayment fraud against me during XXXX and XXXX. I was not late, I was being frauded. This student loan fraud case was prosecuted with the United States Attorneys Office, XXXX California District Number : Case Number XXXX. Again, I was not late, I was being frauded by XXXX which was a fraudulent student loan debt relief scheme found guilty of defrauding me in the court of law. Docket Number:XXXXXXXX. Nelnet acknowledged In CFPB complaint number XXXX ( see attached ), that " There are companies looking to profit from student loan borrowers who are unaware their loan servicer can assist with loan management at no cost. Many debt relief or document preparation companies solicit borrowers by offering assistance in applying for repayment, consolidation, or loan forgiveness options in exchange for a fee. We understand the FTC has investigated XXXX, and found fraudulent activity within their organization ''. Neltnet in complicit in these violations with a class action lawsuit against Nelnet showing Nelnet violated many federal regulations which exacerbated the problem. Most prominent are : - Failure to maintain the borrowers scheduled monthly payment amount and recertify applications timely. - Provided unclear information about how to re-enroll in income-driven repayment plans. - Failure to process IDR Plan applications timely. - Adding interest to principal and thereby increasing the principal owed, driving the interest cost upward contrary to prohibitions against adding interest to the principal balance ( a process called capitalization of interest ). - Failure to process applications promptly. Ultimately, due to the failures of Nelnet described in the class action lawsuit. I, the borrower, was unaware that Nelnet, the servicer, could assist with loan management at no cost, because Nelnet never provided clear information about how to enroll in income-driven repayment plans, which left me, the borrow, to be preyed upon by fraudulent student debt schemes Furthermore, Nelnet 's reporting data is questionable and needs to be fixed in it's entirety. Nelnet acknowledged In CFPB complaint number XXXX ( see attached ), that they made in errors in reporting my accounts to the credit reporting agencies when they discovered they erroneously furnished data reflecting my loans ( XXXX, XXXX, XXXX and XXXX ) as 120 days past due in XX/XX/XXXX, in addition to these accounts. Nelnet needs to fix the remaining accounts being reported as late. Further proof of Nelnet 's inaccuracies were identified in XXXX of XXXX. During COVID forbearance I found that my Nelnet balance increased despite {$83.00} a month being paid through my jobs loan repayment service. How can this be? How during COVID forbearance, and payments still being received By Nelnet, can my balance increase? On XX/XX/XXXX I called Nelnet about discrepancies in the principle balance between XX/XX/XXXX and XX/XX/XXXX. It went up from {$71000.00} to {$72000.00}. During this telephone conversation, Nelnet admitted that they made mistake and applied {$36.00} to my principle balance.
Company Response:
State: CA
Zip: 95829
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
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: Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Company Response:
State: CA
Zip: 95661
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I applied for the STUDENT LOAN FORGIVENESS. Was sent an email stating that my request was approved, however couple of days later received a notice in the mail stating that it has been denied.Just would like to be approved since all school have been closed due to misrepresentation.
Company Response:
State: VA
Zip: 201XX
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Dear Sir or Madam, 1. NELNET LNS Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 120 days late on this account in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as well as 150 days late in XX/XX/XXXX. I immediately disputed this information with NELNET LNS and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
Company Response:
State: OH
Zip: 43230
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A