Date Received: 2021-04-07
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: Need financial relief due to hardships & to stop damaging my credit score
Company Response:
State: MS
Zip: 389XX
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
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: There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 02121
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-05
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: I sent one of my first letters to the three credit bureaus to dispute the accuracy of the closed account listed as DEPTEDNELNET with the account number XXXX on or about XX/XX/XXXX. Among the inaccuracies I listed was the issue that the bureaus were reporting what could be a violation of a Nondisclosure Agreement. The contractual agreement between the U.S. Government and me is to never to disclose information to an unauthorized person. Upon further research, it is specifically the Privacy Act of 1974, 5 U.S.C. 552a, that DEPTEDNELNET violated. The Privacy Act prohibits the disclosure of a record about an individual absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. Most importantly DEPTEDNELNET never had the authority under the Privacy Act to disclose any information about me to the credit bureaus ; DEPTEDNELNET never had my consent ( implied or otherwise ) to disclose any information about me to the credit bureaus. The Federal courts have explained that, 5 U.S.C. 552a ( 4 ) ; see also 5 U.S.C. 552a ( b ) ( " No agency shall disclose any record.... " ). The Privacy Act also requires government agencies to apply the protections mandated by the Privacy Act to record systems operated by government contractors. 5 U.S.C. 552a ( m ) ( 1 ). Consumer Fin. Prot. Bureau v. Navient Corp., 3:17-CV-101, at *5 ( M.D. Pa. Aug. 10, 2018 ). The courts have established a personal right of action. In Pennhurst State School and Hospital v. Halderman, 451 U.S. 1 ( 1981 ) and in Middlesex County Sewerage Authority v. National Sea Clammers Ass'n, 453 U.S. 1, 19 ( 1981 ) ; the U.S Supreme Court has established that my privacy rights are enforceable under 42 U.S.C. 1983. I was forced to grant the Department of Education certain uses of my personal information ; see attached loan contract. Demonstrating DEPTEDNELNET never had my consent or the authority to disclose my personal information to any of the credit bureaus. I have also requested the deletion of the account DEPTEDNELNET for its inaccuracies. The report shows OK one month ; then the next month it reports 90 days late. An account can not mathematically be 90 days late after one month. Now that XXXX is the only credit bureau still reporting this unauthorized account with such a glaring inaccuracy they are violating my privacy and violating 5 U.S. Code 1681i : Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer The Department of Education and DEPTEDNELNET have duplicated similar derogatory information but different payment histories, different start dates. It is negligent for XXXX to allow Department of Education and DEPTEDNELNET to Morph or duplicate negative credit information for the sole purpose of injury. After 73 days of inaction, it is clear XXXX doesnt want an amicable resolution.
Company Response:
State: FL
Zip: 32539
Submitted Via: Web
Date Sent: 2021-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: NelNet Loan services purchased my ( 1 ) one student loan and during this time has been reporting to my credit inaccurately. The credit report shows that a payment has been made each month but then the overview states that the last payment was made in XX/XX/2019. NelNet is also duplicate reporting with ( 2 ) two different loan numbers but almost the same payment data. Having 2 student loans is bringing my score down, not to mention the fact that they are reporting this late as well. To be clear, I have only ONE student loan. I am not a co-signer on any other student loan obligations. I have disputed this thru XXXX XXXX and XXXX XX/XX/2019 and they state it is accurate. I am trying to buy a home and this loan is hindering these possibilities.
Company Response:
State: WA
Zip: 98684
Submitted Via: Web
Date Sent: 2021-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 02149
Submitted Via: Web
Date Sent: 2021-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-04
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Account number XXXX at Department of Education/Nelnet ( Creditor ) was re-reported to my credit report ( as two different accounts ) at XXXX, after XXXX blocked and deleted this account. It is illegal for Nelnet to re-report the account after the account was deleted from my credit report, especially when Nelnet did not provide me with a contract with my signature on it to verify the debt account, even though I requested said contract in writing via certified mail with return receipt, on three separate occasions, in 2020. I need Dept of Education/Nelnet and XXXX to DELETE these Nelnet accounts on my credit report at XXXX IMMEDIATELY.
Company Response:
State: MA
Zip: 02119
Submitted Via: Web
Date Sent: 2021-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-04
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Account number XXXX at Department of Education/Nelnet ( Creditor ) was re-reported to my credit report ( as two different accounts ) at XXXX, after XXXX blocked and deleted this account. It is illegal for Nelnet to re-report the account after the account was deleted from my credit report, especially when Nelnet did not provide me with a contract with my signature on it to verify the debt account, even though I requested said contract in writing via certified mail with return receipt, on three separate occasions, in 2020. I need Dept of Education/Nelnet and XXXX to DELETE these Nelnet accounts on my credit report at XXXX IMMEDIATELY.
Company Response:
State: MA
Zip: 02119
Submitted Via: Web
Date Sent: 2021-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-04
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Good Morning, My understanding around re : federal student loan payments, is that I am allowed the option to apply excess payments to the principal of my loans. I have Stafford and Graduate Plus Loans through Great Lakes, for my graduate school loans. Prior to the pandemic, I did not often have the opportunity to make excess payments to my loans. At this time, I understand my loans to be in forebearance, due to the federal order. I have begun making excess payments on my loans. However, Great Lakes does not allow for the excess payments to be applied to anything other than the interest, if there are loans with interest. I've noticed their website specifically states that excess payments must be applied to the interest first, then the principal. Please help clarify this situation. Have I misunderstood the law? Or are they blatantly being allowed to violate the law in plain site without repercussion? I have attempted to contact them through their Contact Us service. I do not have the time to call, as I am a XXXX XXXX, on a XXXX XXXX XXXX, embedded in a community hospital, and we have been swamped. I have not received a response.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2021-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Nelnet is fraudulently reporting over ten 120 day late payments on my credit ( years after account closure and FULL PAYMENT MADE ). I have called Nelnet over 20 times, sent them letters and they always ignore my requests and damage my credit and financial life. Please see my attached screenshots of credit reports. Nelnet has caused irreparable harm to my well being, state of mind and life in general. Im seeking help!!
Company Response:
State: MA
Zip: 02139
Submitted Via: Web
Date Sent: 2021-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-02
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: Back in XXXX i contacted the nelnet department regarding settling with lowering my payments and i was told to fill out a defer form, which i tried to submit.The school no longer exist and there were allot of fraud going on with the XXXX XXXX XXXX which i attended back in XXXX .I offered everything i possible can to get some help and i can not seem to get any help.The amount that was stated was XXXX dollars which is not accurate. I feel like i was scammed out of an inaccurate amount.
Company Response:
State: NJ
Zip: 07017
Submitted Via: Web
Date Sent: 2021-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A