Date Received: 2021-07-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In late XX/XX/XXXX, Co-Signer received call saying account is past due by XXXX days. Multiple payment notices had been mailed to the account address which all stated the first due date was XX/XX/XXXX. A few days later Co-Signer received another call stating that the account was XXXX days past due. Multiple times logging into the account the online service portal shows that account was never past due nor delinquent on payments at anytime. Lender states that an automatic auditing system audited the account and flagged my summer XXXX course as being out of full time enrollment effectively terminating my 6 month loan deferment as of XX/XX/XXXX. Representative on the phone call confirmed that the bot errored in flagging the account and could see that in the fall XXXX semester I was in fact still enrolled in school fulltime and the account should not have entered into the 6 month period. On XX/XX/XXXX both the Co-Signer and my credit scores began showing that the accounts are behind payments by XXXX days. Disputes were filed with the credit bureau as well as a phone call to the lender. The lender confirmed, on a recorded line, that my account was not past due, was not delinquent by that of XXXX days or by any days and the first payment was due on XX/XX/XXXX. As well stated that the delinquency notices had been retracted from the credit bureaus/ On XXXX, XXXX, XXXX disputes with XXXX and XXXX were " resolved ''. One account on TransUnion was updated as being nondelinquent while the others still show as XXXX XXXX XXXX days past due. XXXX XXXX dispute publication shows that the lender confirmed that account was delinquent by XXXX XXXX XXXX days with date of first delinquency being XX/XX/XXXX
Company Response:
State: OK
Zip: 74021
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is a student loan on my credit report that does not belong to me. The loan was taken out in my name on XX/XX/2019, U.S. Department of Ed/XXXX for a total of XXXX in a school in XXXX Wisconsin. In a state I have never lived in or gone to school in.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 45840
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Refinanced loan with XXXX prior to loan being transferred from XXXX XXXX to XXXX. Have copy of the cashed check which was paid directly to XXXX. XXXX customer service has been terrible to deal with. They are simply a disorganized mess. Have communicated with CS via phone and email for 4 months. Sent copies of cashed checks. They report no issue yet they reported a new load AND delinquency to my credit report. Their response was " just wit a few months '' and then if nothing happens to dispute the report .... WHAT!!!!!! It is their responsibility to correct their error - not just blow off the issue. My report took an 80 point hit. There should be laws against this sort of behavior with no repercussions. We wanted nothing to do with this institution, it was forced upon us.
Company Response:
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-06
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: Filed Credit Disputes to all 3 credit bureaus disputing Nelnet Student Loan debt to no avail. Called Nelnet throughout the years ( more than 10 years ) trying to get them to get records from XXXX to verify the debt. They continued to advise the debt is valid. Called XXXX and they stated they have no control over Nelnet reporting system. Nelnet is reporting an inaccurate balance of more than XXXX in oppose to less than {$50000.00} from XXXX. Nelnet is reporting multiple loans on same date which is inaccurate ; never received ; they are also reporting wrong amounts.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Nelnet is reporting incorrect late payments to my report. I have disputed this item with them via phone and mail. Below I have attached correspondence between myself and Nelnet. The late payments are being reported inaccurately.
Company Response:
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2021-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have not been properly informed about the PSLF ( public service loan forgiveness ) and have attempted to have the department of education evaluate the number of qualified payments I have made since I entered the public service program as a XXXX XXXX XXXX in XXXX. I submitted the form for the pslf to certify the number of payments and have not received any information since I submitted the certification. Although I have previously sent certifications which were completed by my school district administration and have never received a response to date, I am referring to the most recent certification which was submitted several months ago. I was informed that my loans would be transferred to XXXX within a month, but the loans are still being serviced by Nelnet. The pslf program was pitched to the prospective students at XXXX XXXX XXXX XXXX - XXXX XXXX as a means to draw attention to a benefit of becoming a XXXX XXXX XXXX in high needs areas. I would like to know where I stand in the required 10 years of qualifying payments towards the forgiveness of my student loans. I was uninformed by the loan agents who assisted me that the qualified payments reset after each consolidation again to take advantage of a different interest rate or to combine additional loans. Thank you, XXXX XXXX XXXX
Company Response:
State: TX
Zip: 78414
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Company Response:
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: They have been calling my grandma every day about the loan, even after my owed amount as been paid
Company Response:
State: MO
Zip: 63128
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Dishonest credit reporting and supervisor suggested student loans can not be inaccurately reported or retracted ; I submitted my payments online and they were returned for inaccurate banking information which resulted in a ding to my credit and Firstmark attempting to leave it as is due to their own system errors. Background : I called and amended this in XXXX, the first time the error occurred, and asked for my bank information to be input correctly to prevent the error occurring again. It was not. Since then 2 payments were reversed ( that I received confirmation emails for ) and I had to call in to inquire as to why when seeing they had not been debited from my account -- my account information had not been amended as I asked in XXXX. My scheduled payments are auto-populated from their history ; the number transposed is " X '' 'd out. Again, the account number was never amended. This resulted in 30 day late reporting and a series of back-payments to catch up on. Despite me attempting multiple times to pay on time -- their service and lack of compassion and understanding hit me with a derogatory mark. I explained this to a supervisor who decided instead to get upset about having to file a credit retraction ( which she initially said she would not do ; she thinks student loans are not eligible for inaccurate reporting claims and " promised '' me it would be denied ) and only admitted she could do it after I pressed her on my familiarity with the laws surrounding Consumer Protection and the credit bureaus.
Company Response:
State: WA
Zip: 98115
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I have sent a dispute out to XXXX, XXXX, and XXXX that are reporting information I never gave them or the alleged creditor to report on my credit report. According to 15 U.S. Code 1681b Permissible Purposes of Consumer Reports, as a consumer I gave them 45 days to show me any written instructions that allows them to report this information. They have never should me any written paper work. These reports of this information is not helpful to me and it is hurting my chances of moving on in life. I have submitted two complaints to CFPB. I am just asking for help because the Consumer reporting agency 's and the creditor is taking advantage of my consumer report. As the original creditor of this account I would like it removed from my report immediately.
Company Response:
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A