Date Received: 2019-11-24
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: My issue is with the XXXX Credit Reporting Agency. I am able to have a cursory glance of my credit file ( FOR FREE ) any time whenever and however many times I want ... keyword being cursory with XXXX and XXXX as long as I can remember. However, XXXX requires we give out our detailed confidential information to one of their outsourced customer service reps and THEN ( if they understand you correctly ), they'll search for the item in question ... again ... assuming they understood who or what you're talking about. Not only is this superfluous, but a COMPLETE waste of time!! I could have seen whatever there was ( cursory-wise ) and filed a dispute if I needed to..like both XXXX and XXXX allow. XXXX does not allow a consumer to view their file to verify information filed on their credit report ; to have this 'option ' as one of their customer service reps stated, I would either have to BUY one of two monthly memberships, one for XXXX or $ XXXX {$29.00} ( something to that effect. ) I should be able to see if there is a discrepancy in my credit file without having to ask some complete STRANGER to tell me if they see something or to have to buy a membership to view items filed on my credit report ... this is ridiculous!! Not only is there too much margin here for error, but you could also be the lucky recipient of someone with an attitude ... or better yet, the consumer has gotten an attitude after being transferred multiple times or is in automation XXXX going from one department to the next trying to get information on their file. Also, while I am at it ... I have multiple student loans all being handled via Nelnet reflecting as multiple accounts on my file. Is that effing necessary to have it reflect as so?!? Why can't it be reported as 1 combined student loan for Unsub loans and 1 combined loan for Sub loans? I am about to go into my XXXXXXXX program and I will be using even more loans in the process, and as such, even more accounts reflecting in my credit file ; I feel the number of accounts impacts my FICO score negatively. I feel as though the system is rigged to keep people from qualifying for a decent home unless they're earning 6-figures. All I am trying to do is find a decent and SAFE home to live where I can move my mother ( who lives alone in god-forsaken XXXX Texas ) in with me.
Company Response:
State: TX
Zip: 77035
Submitted Via: Web
Date Sent: 2019-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Back between XXXX and XX/XX/2015, I requested for a deferment on my student loans that had gone out of deferment. I was informed that all payments are deferred till the following year. Because I was told they were deferred, I never checked for any correspondence from Nelnet. In XX/XX/2015, I noticed on my credit report that Nelnet reported my account being late for more than 3 months. Because I was told by their agent that my loan was adjusted over the phone till the following year there was no obligation to make any payments and their reporting is inaccurate. I have disputed this several times and they have not done a proper investigation and accept responsibility because it was one of their agents that informed me that my payments were deferred. I have asked for the phone conversation on that day and they couldn't produce it. This has a negative impact on my credit and I want them to do proper investigation on what happened on that day in XX/XX/2015 when i requested for the deferment. I have a 100 % track record of never being late with any of my creditors. This is the only account that has ever been late and that's out of the norm. This is a clear mistake on their end and they are refusing to take responsibility of their own mistake.
Company Response:
State: NC
Zip: 28262
Submitted Via: Web
Date Sent: 2019-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Company Response:
State: FL
Zip: 33511
Submitted Via: Web
Date Sent: 2019-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response:
State: SC
Zip: 29445
Submitted Via: Web
Date Sent: 2019-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-19
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Nelnet Student loan servicing is deceiving me. I have been fighting this loan since XX/XX/2016. This was not my loan, everytime i told a lender that they would sell my loan to a new lender and then i would have to start the entire process over. When nelnet called me in XXXX, i tried to explain they didn't want to hear it. I asked for a forebearance. It was granted. When the forebearance was up in XXXX, i still wasn't able to afford the payments, due to living costs, IRS payments, etc ... I am financially drowning and i have to pay a debt that someone else benefited from. In XXXX before the first payment was due, i requested a lowered amount, they stated that i would be charged $ XXXX/month for 12 months. I again stated that this wasn't my loan and i was told that i had to comply with it or get my wages garnished. They made me accept the terms on a recorded line when i responded to their disclaimer with : " it's not my loan but okay '' they said all i could say was yes or no. If i said no, they would take legal action. I have tried to talk to them but i get disrespected on the phone and by email they want my SS #, this is the way ID fraud starts ( it's happened too many times to me ). I am beat down by this and want a resolution. I can't afford this right now.
Company Response:
State: GA
Zip: 314XX
Submitted Via: Web
Date Sent: 2019-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-19
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Servicer keeps repeatedly calling demanding payment after I have repeatedly informed then they need to provide to me proof of the payments I have made to date and the balance owed upon the loans, if any. Even through I have demanded from them in writing, they repeatedly call demanding payment and never provide the required documents. They call during all times of the day from XXXX cst until XXXX cst. No matter how many times I ask for proof of my loan, they keep repeatedly calling demanding payment.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2019-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-19
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Secured FFEL loan. Loan transferred to different services. Made numerous payments on loan. Servicer would not provide documentation or verify existence of loan. I have paid in excess of the amount I have borrowed. Servicer refuses to allow me to make a lump sum payment on loan. Servcer only will take payments with inflated interest. Servicer will not provide proof of payments to date. Servicer lied to me to get me to make payments by saying I needed to pay them before I could utilize a rehabilitation program. Pursuant to OMB Form No. # 1845-0120 I do not need to make payments before applying for rehabilitation.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2019-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-19
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: Secured FFEL loan. Loan was transferred to different servicers. Made numerous payments on loan. Servicer would not provide verification of loan payments made and balance owed. Made written demand for information through my attorney and servicer never provided any written verification of loan amounts. Servicer has turned matter over to collection instead of providing information. Tried to attach letters sent to servicer RE documents, but CFPB website would not let me upload the documents.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2019-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My information was stolen back in 2009 and someone use my information to open a school loan
Company Response:
State: NV
Zip: 89110
Submitted Via: Web
Date Sent: 2019-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter from Nelnet.com, Concerning a debt that, I do not owe. After they have been notified by my attorney, To Decease and Desist from communicating wit me they still engage in Practices that is in violation Pursuant to the Federal Fair Debt Practices Act ( 15 USC 1692c ), and is in violation of Federal Law. The letter Date : XX/XX/ 2019, also fails to verify the debt.
Company Response:
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2019-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A