Date Received: 2020-01-17
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: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response:
State: SC
Zip: 29223
Submitted Via: Web
Date Sent: 2020-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-17
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: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response:
State: SC
Zip: 29223
Submitted Via: Web
Date Sent: 2020-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-17
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: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response:
State: SC
Zip: 29223
Submitted Via: Web
Date Sent: 2020-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-17
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: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response:
State: SC
Zip: 29223
Submitted Via: Web
Date Sent: 2020-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-17
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: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response:
State: SC
Zip: 29223
Submitted Via: Web
Date Sent: 2020-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: My credit is showing Nelnet on my credit as a collection for account number XXXX in the amount of {$840.00} on XXXX. I have called NelNet and they have stated they do not have any late accounts for me and advised me to call XXXX to which I did and they said that they have no overdue accounts for and I am in good standings with them and they are not showing anything in collects. I need this removed from my credit because I have made all known attempts to find out what it is and how to remove it and neither company has been able to assist me with it and each refers me back to the other company.
Company Response:
State: GA
Zip: 301XX
Submitted Via: Web
Date Sent: 2020-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Please CFPB transfer the documents to Nelnet. Thank you!
Company Response:
State: NE
Zip: 68104
Submitted Via: Web
Date Sent: 2020-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-15
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I received an email informing me that my credit score had dropped 160 points. Last I checked I had put my student loan on a income based plan. I received no notification that I had missed any payment prior to my credit monitoring notification. They claimed I missed 3 {$59.00} payments which some how totaled to over {$280.00}, wit a {$250.00} payment pending for XX/XX/XXXX. First, I sent out a good will letter on XX/XX/XXXX. On XX/XX/XXXX I spoke to a Great Lakes represented who told me that she would put my account on hold so I wouldn't be charged again and that the interest would be deleted. I even went on my own to studentaid.gov and personally applied to the income based payment plan because I did not trust her. XXXX that following day I received a notification from my credit report that my credit had dropped an additional 54 points. When I logged into my Great Lakes account I saw that there was no pending payment owed, but my loan had been put on forbearance for 3 months and after that I would be paying more than I originally had arranged. I did not agree to put my loan in forbearance I have been violated on multiple levels. Shortly after I logged in to Great lakes I received an email saying the I was approved for the forbearance and suggested I apply for the income based repayment plan what was the payment plant I asked to be put back on.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10027
Submitted Via: Web
Date Sent: 2020-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-14
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am enrolled in auto debit on an income-based plan. My monthly payment should be automatically paid. I enrolled in classes. Despite asking them NOT to put my loans in deferment, they did anyway. Then, when I asked them to take them out of deferment, they gave me the option to do so in a way that would lead me to be overdue on payments or not overdue on payments. ( immediately or shorten ) I chose the later option. But, they instead ended the deferment immediately, and then reported my account as overdue and capitalized the interest due. They've sort of fixed it by taking the account to the present, but the interest has still be capitalized and I have still missed a payment in their records. And, they made me agree to a forbearance, which means that I agree to the capitalization of interest. But, this was the only way to avoid being marked as paying late.
Company Response:
State: VA
Zip: 22408
Submitted Via: Web
Date Sent: 2020-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-13
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: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response:
State: CA
Zip: 93306
Submitted Via: Web
Date Sent: 2020-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A