Date Received: 2021-01-19
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: DEPT OF ED/NELNET- Account number XXXX is reporting inaccurate on my credit report. I completed the Rehabilitation Program and ALL default is to be removed from my credit file. its reporting false address as well. These accounts are still reporting delinquencies. XXXX and XXXX have corrected this account. Theses errors need to be corrected right away or delete these accounts from my credit reports.
Company Response:
State: IL
Zip: 60616
Submitted Via: Web
Date Sent: 2021-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This account has never been negative or late. I have submitted all documents and the account is still appearing only on XXXX.
Company Response:
State: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2021-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-19
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I deferred my student loans due to my XXXX and my loans were sold back and forth between Nelnet and XXXX. Each time they would redo all the negative late payments on my credit report on all 3 credit reporting agencies for all 8 student loans. I was awarded a waiver based on my XX/XX/XXXX( Total XXXX ) service connected from when I was in the military. The negative 120 Day late payments were removed and I thought I was able to move forward. They have since been put back on my credit report, again and again and again. I have constantly battled with this for years submitting new evidence each time and still having the 2 sister companies Nelnet and XXXX repost the late payments 30/90/120 days to my negative credit transactions. I really want to get a loan and I am looking to purchase my first home as a XXXX vet and have been unable to because of these huge delinquent hits to my credit. The loans show paid but all the negative history remains even though they were " supposed to be in deferral '' and were sold. When I called they said once they are sold they are put back into delinquent status. This seems like an unfair practice and if the XXXX companies are sister companies it feels like tax fraud may be involved also.
Company Response:
State: TX
Zip: 798XX
Submitted Via: Web
Date Sent: 2021-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-17
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: In 2011, I applied to the University of XXXX, XXXX send the student loan directly to the University of XXXX. I took 3 classes and realized that my online course was not taught by licensed professionals and canceled. I kept paying until I realized three classes do not cost {$10000.00}. I wrote the department of Education a letter about that I had paid almost half of the loan and that three classes do not cost the amount I had already paid. However, I did not get any response and filed a docket within the Federal Court in XXXX. This case was dismissed, yet the Department of Education contacted me three years later from the headquarters of the Department of Education from Kentucky. This issue is in my credit reports since 2011. Because of this issue my credit scores are down and I suffered personal damages. I was misrepresented and misguided because I was told I have to file a Loan Borrowers defense in order to have it removed. Can you be of help?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 960XX
Submitted Via: Web
Date Sent: 2021-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-17
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
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 02021
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I had deferred my loan several times between XXXX/Nelnet. The loan was sold back and forth between both sister companies. I became XXXX XXXX through the veteran affairs and applied to have my loan XXXX under that program. The collections was removed from the three credit bureaus but has been added back to as delinquent and past 120 days, which is hurting my credit score as a XXXX XXXX veteran. This has caused a great hardship and has made it impossible to obtain a home loan using my VA benefits. As a service connected XXXX veteran I have been unable to obtain gainful meaningful employment.
Company Response:
State: TX
Zip: 798XX
Submitted Via: Web
Date Sent: 2021-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-16
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Timeline breakdown : XX/XX/XXXX : Received letter from XXXX XXXX verifying that I have successful consolidated my loans into a direct consolidation loan. XX/XX/XXXX : Received letter from XXXX XXXX confirming the amounts and consolidation of XX/XX/XXXX. XX/XX/XXXX : Receieved letter from XXXX that they purchased my loans from XXXX. *I am noting that from XX/XX/XXXX until present I was under the impression that my loans were direct consolidation loans. Jump to XXXX ... XX/XX/XXXX : Applied for Public Service Forgiveness XX/XX/XXXX : Received letter from XXXX that my loans are ineligible. Noting again, that I was under the impression that I may have not completed the full 120 payments. Jump to XXXX ... XX/XX/XXXX : Applied for forbearance with Nelnet in preparation for the CARES Act ending in XXXX. XX/XX/XXXX : Received credit alert that my score dropped due to miss payment of student loan. XX/XX/XXXX : Contacted Nelnet regarding credit alert. Was advised by customer service that my loans did not qualify for the second coverage of the CARES Act. Told me that my loans were private loans. Did not have documents in front of me, so I went with what they told me. Customer Service requested that my forbearance be backdated to XXXX. Jump to XXXX .... XX/XX/XXXX : Contacted Nelnet regarding the backdating of my account in order to get credit situation fixed. Was advised by customer service that request was never submitted in XXXX. Inquired again about my loans as I went back through my documents showing them as direct loan consolidation. Customer service reported that my loans are " commercial loans '' from XX/XX/XXXX. Asked for verification and was advised to contact StudentAid.Gov XX/XX/XXXX : Contacted studentaid.gov who confirmed my loans as direct consolidation loans and that i needed to contact XXXX XXXX for any information that had as they are showing the ones who originally had my direct consolidation loans. Studentaid.gov reported that my loans were previously commercial loans in XXXX but in XX/XX/XXXX i consolidated them into direct loans. Further reported that direct consolidation loans can not go to private loans but private loans can go to direct consolidation loans, which is what occured in my case. XX/XX/XXXX : Contacted XXXX who confirmed as well my loans being direct consolidation loans and mailed me verification. XX/XX/XXXX : Chatted with XXXX XXXX XXXX who reported that my loans were in fact direct consolidation loans in XX/XX/XXXX, however, my service loan provider converted them into commercial loans in XX/XX/XXXX. Requested documentation of this as I did not consent or apply for my direct consolidation loans to be commercial loans. Advised that I contact Nelnet for any documentation as they are my current service loan. Currently waiting on my identity to be verified through Studentaid. gov so that i can see what service loan agency turned my loans into commercial loans after i consolidated them into direct loans without my consent. Somewhere between XX/XX/XXXX and XX/XX/XXXX fraudulent activities occurred regarding my student loans. I have been paying on loans that should have qualified for public service discharge when i requested it in XXXX. I want concrete answers and documentation of what has occurred with my student loans. I have kept every document received regarding my student loans from XXXX. I am prepared to file a lawsuit if situation is not corrected within a reasonable time frame.
Company Response:
State: IN
Zip: 46226
Submitted Via: Web
Date Sent: 2021-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-15
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I XXXX XXXX entered into a consumer credit transaction with the U.S. Department of Education on or about XXXX of 2015, and not with Great Lakes who is an uninterested third party. This consumer credit transaction included a finance charge, pursuant to 15 USC 1605. A finance charge is the sum ( total ) of all charges in a credit transaction. Pursuant to 15 USC 6802 U.S. Department of Education never disclosed to me that I had the option to opt out of being reported in which is a violation of 15 USC 1681. I do not owe this debt, I am a consumer who is not obligated to pay this pursuant to 15 USC 1692a ( 4 ) and 15 USC 1692a ( 5 ). The U.S. Department of Education & Great Lakes are debt collectors pursuant to 15 USC 1692a ( 6 ), they have used instrumentality of interstate commerce and mails in the business principal purpose of which is the collection of debts.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19114
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-15
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: Sir or Madam, I trust you and your team are safe and sound. In the last 180 days, I have received calls from a Student Laon Forgiveness Program. They keep saying I need to complete my application. I have no idea what they are talking about to date. I asked Great Lakes about it and they informed me it is not from them. The last number is XXXX and the poc number is XXXX. Please confirm that I am not missing a great Federal Program or that is a scam. Thank you in advance for your assistance with this matter. V/r XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2021-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-15
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I XXXX XXXX entered into a consumer credit transaction with the U.S. Department of Education on or about XX/XX/2015, and not with Great Lakes who is an uninterested third party. This consumer credit transaction included a finance charge, pursuant to 15 USC 1605. A finance charge is the sum ( total ) of all charges in a credit transaction. Pursuant to 15 USC 6802 U.S. Department of Education never disclosed to me that I had the option to opt out of being reported in which is a violation of 15 USC 1681. I do not owe this debt, I am a consumer who is not obligated to pay this pursuant to 15 USC 1692a ( 4 ) and 15 USC 1692a ( 5 ). The U.S. Department of Education & Great Lakes are debt collectors pursuant to 15 USC 1692a ( 6 ), they have used instrumentality of interstate commerce and mails in the business principal purpose of which is the collection of debts.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19114
Submitted Via: Web
Date Sent: 2021-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A