Date Received: 2021-02-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I started noticing some inaccuracies on my credit report. Then I started sending letters to the companies and the credit bureaus but after about 6-8 frustrating months of sending letters and evidence of what was going on. I did not get any answers. Now I decided that I need to send a complaint to the Cfpb. So, over the last 6-12 months, I have been active in disputing XXXX/XXXX XXXX Account # XXXX XXXX/XXXX Account XXXX Both listed on my credit report that are not mine. I have provided proof that these bills belong to someone else and have not been able to get the accounts removed. the credit reporting agency continues to say that the account has been verified, but will not provide the information of verification, when asked they come back and say updated or verified I feel as though XXXX is not doing a real investigation on this matter because if they did, they would see these inaccuracies and delete these accounts from my report. I have clear proof of all my disputes. XXXX XXXX Account # XXXX as of XX/XX/XXXX up until XXXX/XXXX/XXXX they keep reporting that this account was being paid in XXXX of XXXX up until XXXX of XXXX then charged off in XXXX of XXXX but how can that be if the account was 150 days late in XXXX of XXXX? Also, how can I go from paid on time in XX/XX/XXXX then charged off in XX/XX/XXXX? Finally, when I look at the date last active for XXXX it says XX/XX/XXXX, for XXXX says XX/XX/XXXX, and XXXX says XX/XX/XXXX this account has been re-aged and clearly a violation. Please help clear this off my credit report. I also saw another account from XXXX/XXXX Account XXXX that states that this account was " certified as accurate '' How can this be since I have been asking that all the information for this account be accurate. But as I write to you now its in error and I have been disputing this account since XX/XX/XXXX. Also, XXXX : ACCOUNT # XXXX I asked for the information that showed that I was late but no answer. I just want to make sure my credit report is accurate. They have stated I was 30 days late twice. But my bank account shows that I paid them. Please have them update these late pmts to paid as agreed FEBLOAN Acct # XXXX This account started at 90 days late and all of my records show that I paid as agreed. Please update all months to paid as agreed because this is hurting my credit score. Moreover the payment history is in error and I have tried to dispute with this with Fedloan and XXXX but to no avail they did nothing.
Company Response:
State: GA
Zip: 30097
Submitted Via: Web
Date Sent: 2021-02-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 90 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I did not worry about making a payment when I was not receiving statements because I thought that loans were in deferment
Company Response:
State: AZ
Zip: 85035
Submitted Via: Web
Date Sent: 2021-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-03
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: FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$7200.00} FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$7000.00} FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$4800.00} FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$3700.00} FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$2200.00} FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$1500.00} I am concerned with the validity and consistency from your latest examination along with the delayed payments with regards to this particular account and exactly how it is reporting on my credit report. Just about 45 days ago I requested an investigation considering the fact that I assumed the item is not being cited recently. To my shock I been given a document showing that your examination was completed and that the item had been " validated as accurate. According to Section 1681 ( g ) take the time to grant me with a description of the technique employed to prove the account is " genuine '' and mail me the name and addresses of persons contacted in every laws in the FCRA.
Company Response:
State: FL
Zip: 33030
Submitted Via: Web
Date Sent: 2021-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-02
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I have attempted for the last few months to talk with both XXXX, the original debtor and PHEAA who apparently decided to try and collect on something discharged in bankruptcy almost THREE years ago. Normally, I understand student loans might not be considered able to be discharged, however, mine was a hardship case due to a horrific injury and loss of a business that left me unable to work. PHEAA shows this as closed on all credit reports, but they NEVER should have been able to report it to begin with and if nothing else, how can they report it as LATE/COLLECTIONS every month, yet agree it was discharged and closed?? TIRED of fighting them!
Company Response:
State: AK
Zip: 99504
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
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 have made several disputes throughout XXXX, in regards to my account with Fed loan Servicing. There are 5 accounts being reported as 90 days late, in XX/XX/XXXX that were included in an approved forbearance period. This information is continually being added back to my credit even though I have repeatedly disputed it. This inaccurate information is hindering my ability to purchase a home. I have repeated sent certified mail to both the lender and all 3 credit bureaus, and there has been no permanent solution.
Company Response:
State: FL
Zip: 33578
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: So now the loans are showing I am delinquent when I was in deferment. I have discussed this Fed Loan and they claim they have no records. I have come across a deferment letter that should fit their needs. I want the pas due payments off since looking at this document should clear up any issues they have with missing information
Company Response:
State: TX
Zip: 78634
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Company Response:
State: CO
Zip: 81501
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I applied for a Mortgage Loan on XX/XX/21 & was denied or received unfavorable rates because of some inaccuracies on my credit report. There are 14 Fed Loan Servicing Student loans that are reporting a 90 day late payment. This does not seem legal or accurate. I was under the impression that these loans were in deferment at the time, when they're saying I was late. Were payments actually due or was the loan in deferment? Was I notified in writing 30 days before these payments were due? Is there any proof that I received the notification in writing or an invoice before they reported me late? I do not recall receiving any invoice or notification from Fed Loan Servicing stating that payments were due or that I had any amount past due. If I received a letter or phone call from them, I would have made a payment. I'd like to request that the 90 day late payment be removed from all 14 loans. If Fed Loan Servicing refuses to correct the payment history, I'd like to see all paperwork and proof that they are reporting accurately and followed all laws and procedures to notify me before reporting me late.
Company Response:
State: WA
Zip: 98115
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My name is XXXX XXXX XXXX. cell # XXXX email XXXX This is a long complaint about a pattern of -what I believe- is illegal finance practices over the life of my student loan. No agent or representative of -and including- the department of education can provide me with a copy of my Promissory Note. The 2 colleges I attend do NOT have a copy of my promissory note. XXXX does NOT have a copy of my promissory note. There have been a string of 'debt loan servicers ' handling my student loans. Through no fault of my own, my student loan debt has been sold/transferred multiple times. You have to look at this like : the toe bone is connected to the foot bone. The foot bone is connected to the leg bone and on & on. As near as I can gather, I signed documents in XXXX of XXXX to consolidate my student loans into an income driven repayment plan. The total debt -at that time- was around XXXX . At that time, the debt collector was XXXX XXXX. Through no fault of my own, one day, XXXX 'sold or transferred ' my loans to XXXX XXXX I don't know why the transfer/sale happened but it was NOT because of anything I did i.e., default. At the time of the sale/transfer from XXXXXXXX XXXX to XXXX my student loans were in good standing. When the loans were transferred to XXXX the interest on my debt was capitalized. Some time later, XXXX went bankrupt and went out of business. At that time my student loan debt, still in good standing, was sold/transferred to XXXX. At the time of this 2nd transfer, the interest on my loans was capitalized. While my loans were with XXXX, on or about XX/XX/XXXX, I entered the Public Service Forgiveness Loan Program. All this time, my loan was status was in good standing. All of a sudden, on or about XX/XX/XXXX, XXXX went bankrupt and out of business. At that time, my student loans were transferred to XXXX XXXX XXXX XXXX and 'XXXX XXXX ' capitalized the interest on my loans. IN ADDITION XXXX XXXX XXXX XXXX did NOT continue to keep my student loans in the Public Service Loan Forgiveness Program and instead had me sign up/enroll/register in a new 'income driven repayment plan ' and at that time XXXX XXXX XXXX XXXX capitalized the interest on my student loans. In XXXX of XXXX I became unemployed and homeless. My loans defaulted. About a year or so later, I went through a rehabilitation program, where the interest on my student loans were again, capitalized. After about 6 months of regular payments, my loans came out of rehabilitation and were transferred to XXXX XXXX XXXX XXXX where, again, the interest on my student loans was capitalized. It took almost 2 years from XXXX XXXX to get XXXX XXXX XXXX XXXX to 'correct ' my loan status and give me the correct amount of time I'd earned in the Public Service Loan Forgiveness . Repeated phone calls were to no avail with XXXX ( XXXX XXXX XXXX XXXX ) during the period of time from XXXX XXXX. I have documents that can support all of these claims. In XXXX of XXXX I applied to transfer my student loans back into the Public Service Foregiveness Program. I began applying for this 're-entry ' to the public service loan program in XXXX of XXXX. Finally in XXXX of XXXX, I was given notice that my student loans were going to be transferred into the public service foregiveness program and that my student loans had been transferred to XXXX XXXX ', ... when XXXX XXXX got my student loans they also, capitalized the interest on my student loans. XXXX XXXX claims my primary student loan debt is XXXX $ ( {$55000.00} ) NONE of these agents, represetatives ' of the department of education can provide me with a copy of my Promissory Note. XXXX XXXX claims I have 3 years and 3 months of time accrued in the Public Service Forgiveness Loan program -EVEN THOUGH MY FORMER EMPLOYER has provided comprehensive documentation that I was employed in a PSFL qualifying position from XX/XX/XXXX until XXXX of XXXX. I want a copy of my Promissory Note. I want the illegal and abusive capitalization of my student loans corrected, and eliminated. I ABSOLUTELY want my months, the amount of time I have accrued under the Public Service Forgiveness Loan program to be corrected. I believe it is illegal and abusive that a 'debt collector ' ALL THE DEBT COLLECTORS that have been the 'agent of the principal/principle ' namely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND NOW, XXXX XXXX have illegally harmed me by i. capitalizing interest on my student loans. just because an agent a 'vendor ' of the department of education goes bankrupt does NOT mean I have defaulted on my contractual obligations of my student loans. IF any entity, the department of education and any/all of its agent/representatives servicing my loans are unable to provide the original copy of the 'debt contract ' I signed, namely, my Promissory Note, I don't believe they XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have the legal right to a. capitalize interest on my loans, damage my credit status with credit banks, knowingly mis-direct me into faulty or inappropriate loans programs such as XXXX XXXX XXXX XXXX did in XXXX XXXX and finally that XXXX XXXX refuses to count/provide me credit for the months ( years ) I accrued qualifying months in the Public Service Loan Forgiveness program. By my count, I should have about 8 months left int he Public Service Loan Forgiveness program. The PSFL ( public service forgiveness program ) 'counts ' qualifying months NOT continuous months. I have contacted the ombudsman of the public service forgiveness program several times. After this email I plan to contact them again. I received and inaccurate, hostile and abusive decision from the dept of education ombudsman office in the autumn of XXXX ... that employee 'XXXX ' ... refused to consider or explore any of my concerns, illegal and innapropriate transfer of my loans, illegal and wrongful capitalization of interest on my loans, a refusal to pursue location of my promissory note. Help! I am a XXXX citizen and now hold 'XXXX ' health status. I want to complete my Public Service Loan Forgiveness months ( time ) but XXXX XXXX, the current 'agent of the representative ' of the department of education will NOT correctly count, tally provide me the accurate amount of months I have earned during my time enrolled in the PSFL program. This student loan debt is my only debt. Due to, what I believe is illegal capitalization, the debt to income ratio I now 'hold ' prohibits me from obtaining housing. I am homeless. Please help. XXXX XXXX XXXX XXXX Monday , XXXX XXXX
Company Response:
State: MI
Zip: 48103
Submitted Via: Web
Date Sent: 2021-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have been trying to get an accurate count of my payments toward the PSLF and the TEPSLF eligibility for my DIRECT SUB CONSOLIDATION LOAN and DIRECT UNSUB CONSOLIDATION LN disbursed on XX/XX/XXXX. FedLoan servicing has changed my number of payments eligible for TEPSLF from XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX. They have listed 55 payments between XX/XX/XXXX and XX/XX/XXXX as ineligible due not having been received within 15 days of the due date. This is incorrect. I have been trying to get this fixed since XX/XX/XXXX but have not been able to resolve it with FedLoan servicing. Every time I call they say it's under review.
Company Response:
State: LA
Zip: 70119
Submitted Via: Web
Date Sent: 2021-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A