Date Received: 2021-03-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Nelnet student loan XXXX is reporting 90 days late on my XXXX and XXXX report under 2 different loans. XXXX reports 90 days late for XX/XX/XXXX only ( month XXXX only has 31 days ) for both loans. XXXX is reporting both Nelnet loans 90 days late for XX/XX/XXXX only ( XXXX only has 30 days ). Nelnet student loan clearly reporting inaccurately on both credit reports. 1. XXXX XX/XX/XXXX both loans 90 days for XX/XX/XXXX only.2. XXXX reporting both loans 90 days late only for XX/XX/XXXX. So the month 90 days late reports different on both credit reports and for only 1 month cant have 90 days late. Both loans never late want updated to paid as agreed. This is causing severe extreme hardship on me. I have sent both credit bureaus dispute letters starting on :XXXX came back verified. Sent another Dispute letters out on XX/XX/XXXX came back verified. Send another dispute letters to both credit bureaus XX/XX/XXXX came back verified on XXXX and XXXX report, XXXX XXXX removed it. Send another dispute letters to the credit bureau on XX/XX/XXXX. I got no response started Disputing online with the Credit bureaus XX/XX/XXXX, XXXX, XX/XX/XXXX. XXXX refuses to re-investigate since XXXX XXXX. Just opened another dispute with XXXX for this month.
Company Response:
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2021-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX Private Loan is a fraudulent account this erroneous charge needs to be deleted immediately with urgency. They sent this to a second party Firstmark Services. Now, they sold it to a company based out of XXXX known as XXXX XXXX XXXX XXXX. This account was opened in XX/XX/2009. The initial amount was {$12000.00} due to interest {$24000.00}. Ive reached out to all parties. Ive filled out a police incident report, FTC report, Ive done everything they requested over the past year. This needs to be removed and permanently deleted from my credit report dropping my credit over 100points this is egregious.
Company Response:
State: FL
Zip: 33137
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-06
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: GREATLAKES AND TWO OF THEIR CONTRACTED COLLECTION AGENCIES CONSERVE AND XXXX KEEPS VIOLATING THE DODD-FRANK ACT.CANCEL DEBT AND HAVE DEBT COLLECTORS PAY ENTIRE BALANCE 1099-C TO IRS TODAY.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AR
Zip: 72761
Submitted Via: Web
Date Sent: 2021-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
Company Response:
State: SC
Zip: 29406
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have tried several times contacting NelNet at XXXX Solutions Department to correct derogatory / incorrect credit reporting information on my student loans with # XXXX, and Acct # XXXX with the XXXX XXXX XXXX XXXX / NelNet Student Loan Services for XX/XX/XXXX with a ( 90 day late reporting ). I contacted NelNet in writing and via telephone. Everyone there says that this information can not be fixed on the credit report with a Letter from them being mailed to the Credit Bureaus of XXXX, XXXX and XXXX for incorrect information for the month of XX/XX/XXXX. This Student Loan account renumbered by NelNet # XXXX was under an Income Based Repayment Plan with {$0.00} from XX/XX/XXXX until XX/XX/XXXX. Then I resubmitted and updated my Income Based Repayment Plan application hand signed by me on XX/XX/XXXX for renewal of this plan for XX/XX/XXXX thru XX/XX/XXXX via mail again for {$0.00} until I could get a better paying job other than working as a XXXX XXXX XXXX XXXX. I resubmitted my old original copies of the ( XX/XX/XXXX - XX/XX/XXXX ) again to NelNet on XX/XX/XXXX. This time they called me on XX/XX/XXXX and stated that they received the documents and scanned them into their database system. NelNet did not have the original documents on file as evidenced by the NelNet Representative stating that they were previously thrown in the trash or garbage. NelNet did not have the copies until I sent them copies of my copies on XX/XX/XXXX again. REALLY? After calling and speaking with several NelNet Representatives, one of them stated that my paperwork / documents were thrown away and not scanned into their system on XX/XX/XXXX. This Representative spoke and told the truth. So NelNet Representatives stated that they never got / received my original documents back in XX/XX/XXXX. After calling NelNet several times in XXXX, XXXX, XXXX, and XX/XX/XXXX speaking with several Call Center Representatives, No one mentioned not receiving the documentation that was mailed. They just kept saying that the account was still under a {$0.00} repayment plan because I also mailed another Economic Hardship application as well during this time. Then in XX/XX/XXXX, after speaking to another Call Center Representative, I was told to resubmit documents again via computer electronically. However, the new submitted electronic documents were received in their NelNet system late in XX/XX/XXXX. So, they are penalizing me for their negligence in not scanning my original hand signed submitted documents dated XX/XX/XXXX in the first place!! " That the Representative stated was thrown in the trash can ''. REALLY?? I could have fallen in the floor. All of my hard work and effort for nothing. I feel like I am dealing with a group of XXXX making life changing decisions for me. Have I died and gone to XXXX here on Earth? I have been fighting this battle ever since XX/XX/XXXX with the Credit Bureaus and NelNet XXXX XXXX XXXX XXXX XXXX No one seems to know how to fix this problematic situation for me to help move forward. I don't know now. I thought that a simple letter to the Credit Bureaus stating to remove this error would be enough. No one at NelNet says that they are able to write this letter ( or ) correct this wrongful error.
Company Response:
State: NC
Zip: 27713
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: The fraudulent acquisition and use of a person private identifying information, for financial gain. Infringement upon a consumer 's right to privacy! Plus violations of Codes : 15 USC 1692a. ( 6 ) ; 15 USC 1692b ; 15 USC 1692c. ( a ). ( b ) ; after I sent a certified letter to 15 USC 1692c. ( c ) was violated this debt collection sent me another attempt to collect a debt letter. This is a violation! 15 USC 1692e. ( 1 ). ( 10 ) ; 15 USC 1692d. ( 1 ) ; 15 USC 1692j. ; 15 USC 1692k. ( a ) ; = INVOICE for {$10000.00}. and I want this Delete from my consumer report and any of there affiliates data sites.
Company Response:
State: CA
Zip: 90005
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: I'm still in school and scheduled to graduate with aXX/XX/XXXXdegree in XX/XX/XXXX from XX/XX/XXXX. The issue is that XXXX XX/XX/XXXX XXXX First Mark Services ) is expecting my repayment of the loan to start in XX/XX/XXXX. They are constantly calling my co-signor daily asking to pay for payment, that according to them it is due now. My co-signor is a XXXX XX/XX/XXXX who is very busy with her patients. I have called numerous times to have them fix this issue, which looks like a minor issue with their system. I have also asked my university to send verification for my graduation date. They did that on XX/XX/XXXX via an email to customer support. Whenever I call, they say it shouldn't be an issue going forward, but the harassment calls have not stopped. I also, added my father so he can speak to a manager as my co-signor or I do not have time for long waits. My dad did call yesterday and spoke to a manager by the name of XXXX and she said that all is resolved and they have also received confirmation from my university. My dad also asked to send an email to me and the co-signor confirming everything is resolved at their end. So far we have not received any email from the manager. Seems like one department does not talk to the other and they are too lazy to correct the issue with the collection department. The issue is where it was 4-5 months ago. I'm forced to report this else whereas I'm running out of options. I did see multiple complaints about First Mark on XX/XX/XXXXsite with similar issues to mine Please help!
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
Company Response:
State: PA
Zip: 15212
Submitted Via: Web
Date Sent: 2021-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
Company Response:
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2021-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: There was a student loan taken out in my name. I've already sent in a few FTC Identity Theft claims as well as police reports, yet the student loans continue reporting on my credit report. My understanding is that the furnisher or CRA has 15 days to make a decision on my identity theft report, yet, it's been years and still nothing.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95660
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A