Date Received: 2021-03-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2021-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Company Response:
State: OH
Zip: 43606
Submitted Via: Web
Date Sent: 2021-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-15
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Prior to returning to school last XXXX I was making payments on my loans with Nelnet loan servicer. I had my payments set up on autopay and when my school reported to NSLDS that I had returned full-time Nelnet automatically put me in an in-school deferment without my permission and zero notification. THIS IS UNACCEPTABLE. Every XXXX of interest I have paid against this loan is GONE and has now increased and been reported to the credit bureau reducing my credit score. Student loan servicers should not be allowed to stop taking payments without the consumer 's permission or any notification.
Company Response:
State: PA
Zip: 17111
Submitted Via: Web
Date Sent: 2021-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-15
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: 1. I took a consolidated loan out from XXXX in XXXX. My required monthly payment has always been {$120.00}. The first loan servicer was XXXX XXXX XXXX XXXX That changed to XXXX . XXXX then changed their name to XXXX. In XXXX of XXXX Nelnet became the collector. 2. I have always had one consolidated loan payment. The last time I received a correct statement from Nelnet of the actual amount that I paid on my loan was the XX/XX/XXXX statement. I have requested several times and have never received the XXXX or XX/XX/XXXX statements. The XX/XX/XXXX statement saids I paid XXXX, the XX/XX/XXXX statement saids I paid XXXX, the XX/XX/XXXX statement saids i paid XXXX ; whereas I paid XXXX. XXXX. 3. I called the company on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. XXXX claimed that I had two loans. And insisted I did not know what I was talking about. Nasty and surly. None of these phone calls resulted in the XXXX or XXXX statements. Ever. All of the reps stated that they did not have complete access to the files. Half of them were nasty. I have asked repeatedly for the statements to be sent by mail- USPS , XXXX XXXX XXXXXXXX so that I have a record, as is my right, yet they continue to email me. The company has sent me 2 emails saying that they called me. My phone log shows that they are lying. No Nelnet phone call or voice message. I have written them 5 times. 4. I want the monthly statements from XX/XX/XXXX until XX/XX/XXXX, with the correct amounts that I have paid to this collector.
Company Response:
State: NY
Zip: 10027
Submitted Via: Web
Date Sent: 2021-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am in the middle of purchasing a home and late payments from Nelnet keep popping up on my XXXX and XXXX reports. I have reached out via phone and email repeatedly over the last 3 months and received no response. I was delinquent in my student loans back in XXXX due to being laid off 4 times in a 2 year period. However, since then I have successfully rehabilitated my loans back in XXXX and they have been transferred to XXXX to be serviced. I can't understand for the life of me why Nelnet is now reporting late payments in XXXX and XXXX. I need this fixed ASAP! I have disputed this every month with XXXX and XXXX and for some reason, someone at Nelnet keeps verifying that I'm late. How is it possible that I am late to a company that doesn't hold my debt? And as recent as XX/XX/XXXX?
Company Response:
State: TX
Zip: 76039
Submitted Via: Web
Date Sent: 2021-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-15
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 am filling a CFPB complaint about the reporting of NELNET LOAN SERVICES INC for account number XXXX and XXXX. This account was reported as 90 days late in XX/XX/2020. This is incorrect because this is deferred and during covid, this account is reporting negative. This account was previously and is currently in deferment. I previously requested an investigation to NELNET LOAN SERVICES and review deferment paperwork as this should not be reporting 90 late. Especially during pandemic and state of emergency. We've had these conversations before and again this issue is overlooked. I never received any communication from NELNET LOAN SERVICES INC that this account was reported as late reason I shocked to see this as 90 days late. This late payment that they are reporting is affecting my credit score. NELNET LOAN SERVICES INC is not responding to my request to investigate I need this inaccurate reporting removed from my credit report.
Company Response:
State: NY
Zip: 10704
Submitted Via: Web
Date Sent: 2021-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-14
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 have tried numerous times over the past two months to dispute and correct a company and account on my credit report that is not accurate. The company is called NELNET, i have an tried to dispute this with all 3 credit bureaus, none of them want to give me any details on the matter. Also this company does not exist. Ive tried calling 5 different numbers and no luck so far. I do not owe both accounts, nor should it be on my credit report. NELNET : XXXX amount {$4000.00} NELNET : XXXX amount {$2600.00}
Company Response:
State: FL
Zip: 33618
Submitted Via: Web
Date Sent: 2021-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The goverment has closed my account in wrongful standing and are in violation of my fair credit reporting act. I will seek max penalties if possible due to this. I am currently trying to move but have a history of paying 120 days past due to my ONLY closed Student loan wich is entirely falsified documentation of me and my payment history reported to all 3 reporting agencies. I have always contacted them to be in good compliance with the loan before the wrongfully just took my taxes without notifing me in mail that they were not aware of me being in compliance. Please remove the negative remark of being late on payments or place unknown on the account.
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-13
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: This is a loan from XXXX XXXX through Firstmark services ( Third Party service ). I had availed 9 month COVID forbearance starting from XX/XX/2020 to XX/XX/2020. I called Firstmark Services in XXXX and asked about other financial forbearance programs that I can avail since my COVID forbearance was coming to an end. One of the agents said that I had a few more months ( 3 months to be specific ) in my COVID forbearance program that I can avail after which my normal forbearance program ( 10 months in total ) can be applied. This happened to be misinformation as my COVID forbearance program was completely done by XX/XX/2020. Moreover, Firstmark Services automatically applied the normal forbearance to my account ( 10 months divided into sets of 2 month forbearances ) for 2 months. I wasnt informed in any manner about this. Since Im currently unemployed, I had made financial plans according to the information they provided in XX/XX/2020. I called Firstmark Services and explained this whole situation. They apologized and provided loan modification option which will affect the borrowers and co-signers credit score. I requested at least an extra 2 month forbearance since it was a mistake of misinformation on their part. They said they cant help me with the COVID forbearance program and I cant avail another 2 months of the normal forbearance if I havent made 12 payments after the previous 2-month forbearance. This seems to be totally unfair as I was misinformed about the forbearance options and I had made financial plans according to the wrong information they provided. This is more of a strenuous situation now as Ive been unemployed for the last few months.
Company Response:
State: CA
Zip: 95035
Submitted Via: Web
Date Sent: 2021-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been over 30 days and I haven't received any investigation results.
Company Response:
State: OH
Zip: 436XX
Submitted Via: Web
Date Sent: 2021-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A