Date Received: 2021-02-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
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: 02302
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-25
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Nelnet intial loan balance changed from time of loan after paying on time for 5 years the loan a=mount is going up and not down. At onetime the loan was going down and then all of a sudden I check the balance it was XXXX more than the previous. I inquired about it to them and Department of Education and no one seems to know why. The initial loan I took out was less than XXXX. I have paid over XXXX and owe almost XXXX.
Company Response:
State: MD
Zip: 20735
Submitted Via: Web
Date Sent: 2021-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I was told during the pandemic that loan payments were suspended until XX/XX/2021. This is listed on Nelnet 's website. However, Nelnet reported my account late to the credit bureaus causing significant damage to my credit. I am on social security XXXX and recently overpaid in XX/XX/2021. I have never been late on my bills. I called Nelnet in XXXX and was told they can not remove the negative reporting.
Company Response:
State: NY
Zip: 130XX
Submitted Via: Web
Date Sent: 2021-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
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: 15136
Submitted Via: Web
Date Sent: 2021-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: NELNET XXXX XXXX Balance : {$40000.00} - I wrote the creditor and they said that I was never late, so how can it be that you're reporting me as late? That makes no sense at all. NELNET XXXX XXXX*Balance : {$66000.00} - If you can't prove that you had proof, you need to remove this late payment. XXXX XXXX XXXX Balance : {$520.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. XXXX XXXX XXXX Balance : {$920.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. XXXX XXXX XXXX Balance : {$370.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. XXXX XXXX Balance : {$0.00} - This account shows a lot of violations. Balance is incorrect and payment history is inaccurate. Delinquencies reported after the account was closed. These are all violations please REMOVE this. XXXX XXXX Balance : {$0.00} - This account is not mine unless you provide me with the corresponding documents according to FCRA that it is mine. Please delete for reporting inconsistent and inaccurate information. XXXX XXXX XXXX XXXXXXXX XXXX - I've submitted proof that this is not my signature on the petition - you need to remove this immediately.
Company Response:
State: CA
Zip: 95391
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: ACCOUNT HAS NOT BEEN VERIFIED WITHIN 30 DAYS
Company Response:
State: PR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-21
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 a cosigner on a student loan for my daughter. I have tried to stay current on this loan even though I was laid off due to covaid19. My daughter XXXX XXXX called the company to put her loans in forbearance which was granted on her loans, just not this loan which she was unaware of. If you`re calling for forbearance why wouldn't you do all your loans? She made payments on loans without being aware of where they were going to apply them. This whole process was confusing as to what was owed and when. I was told all taken care of by her. The company is saying I was past due in an XX/XX/XXXX electronic letter which I didn't see till XXXX for XXXX. My credit report shows a late payment for XXXX for XXXX. Yet the company sent a response saying no payment posted til XX/XX/XXXX and then they sent the letter out. Why doesn't the credit report show XXXX late if they received no payments? I didn't receive any non electronic mail on the problem until XX/XX/XXXX when I immediately made payment. She attempted to get an explanation from the company as to why only one loan was in forbearance and not the other. She tried to get an explanation as to why the money paid went to certain loans and not others. I am attempting to point out that the whole process is confusing and not being reported correctly.
Company Response:
State: TX
Zip: 783XX
Submitted Via: Web
Date Sent: 2021-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-20
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: My Stafford Loans with U.S. DEPARTMENT OF EDUCATION XXXX XXXX ) is handled by Great Lakes. On XX/XX/XXXX, My student loan principal amount was {$40000.00} and the accrued interest {$12000.00} ( which is excessive. ) At the time, Great Lakes offered me a standard repayment plan ( No salary-driven or subsidized in any way ) of {$240.00} a month. Such payment was supposed to start reducing my loan principal immediately. This week while taking a look at my account summary, for my surprise, the balance of my loan instead of have been decreased, it has risen to {$53000.00}. Ever since I setup my payment plan, I haven't missed one single payment ; for the contrary, I have made greater payments than what I was supposed to. From the date of the payment plan was set, I have paid the total amount of {$5500.00} which has been allocated in its entirety to interests. Furthermore, in XX/XX/XXXX, I had a payment due of {$630.00} which corresponded to some accrued interests regardless of the Cares Act ( Interest Great Lakes is not able to explain to me. ) My loan has been overcharged, excessive interests have been capitalized and payments have not been applied as agreed since the beginning. When I called Great Lakes, they do nothing to help but sustain that the balance is correct. I really need someone to help me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33327
Submitted Via: Web
Date Sent: 2021-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I recently looked overbmy credit report, and I have seen that with tje alleged account ( US DEPT OF EDUCATION/XXXX ) Is reporting to the credit bureau with a few discrepancies in the alleged account with the followng information : ( Name of Creditor : US DEPT OF EDUCATION/XXXX ), ( monthly payment -- ), ( term -- ), ( Worst payment status -- ), ( CONTACT ADDRESS US DEPT OF ED/XXXX XXXX XXXX XXXX, WI XXXX USA Mail only ) is being reported on XXXX. However, XXXX is reporting the same alleged account information ( Name of Creditor : US DEPT OF EDUCATION/XXXX ), ( monthly payment {$0.00} ), ( Term : 0 month ), ( worse payment status : current ), ( CONTACT ADDRESS : US DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX USA ( XXXX ) XXXX ). This can not be the same creditor, as the information would indeed reflect the same information as one another, and not be different in any manner. I have provied for validation sake, several screenshots of the alleged account information and the inaccuracies reporting to XXXX and XXXX, showing the different in this alleged Information.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21217
Submitted Via: Web
Date Sent: 2021-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-18
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: I sent NELNET XXXXffidavit of Truth and a Invoice. They are in violation of : 15 Us Code 1692j. ( a ) 15 US Code 1692g. ( b ) 15 US Code 1692e. ( 1 ) ( 9 ) ( 10 ) I have invoiced {$5000.00} for these violations to NELNET
Company Response:
State: CA
Zip: 90005
Submitted Via: Web
Date Sent: 2021-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A