Date Received: 2022-06-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I called the XXXX after I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was a Names : Addresses : Accounts : Inquiries : on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022 I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that this NELNET LNS Late payments late will be updated as soon as possible. NELNET LNS XXXX Balance {$3400.00} NELNET LNS XXXX Balance {$5000.00}
Company Response:
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On XX/XX/2022 I submitted an Borrower Defense Claim against Student loans who were defrauded by XXXX XXXX. It has been known that President Joe Biden has cancelled loans from anyone who attended XXXX Its now XX/XX/2022 and still no response and Federal student loans are still on my consumer report.
Company Response:
State: CA
Zip: 95628
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-11
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: They double charged me and the promised that since I returned to school they would drop the first charge and only charge me for the return well they lied and double charged me can u please close this account satisfactory
Company Response:
State: LA
Zip: 705XX
Submitted Via: Web
Date Sent: 2022-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In XXXX of XXXX, someone opened a fraudulent account in my name without my knowledge. The amount is {$110000.00} and is reporting on my credit report. When contacting company unable to resolve. As a result, I am filing disputes with multiple reporting agencies to have incorrect information removed immediately!
Company Response:
State: OH
Zip: 45239
Submitted Via: Web
Date Sent: 2022-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have sent a certified green receipt letter requesting for Nelnet to validate all 18 of my loans that they have with their servicing company. The received the letter on XX/XX/XXXX, I also included in my letter the laws that the company has to abide by with verify my loans for all 18 loans. They sent me a generic form letter which I have a copy of saying everything is accurate and verified, sent to by mail XX/XX/XXXX. How can servicers company verify 18 different loans, that are dated back as far as XXXX? I have also disputed with the credit report agencies asking them to validate the debt and getting no answers. They have received my second and final letter advising that their 30 days will expire on XX/XX/XXXX and I am requesting that they delete all 18 accounts of all XXXX reporting agencies. This company is not following the new laws that you CFPB put in place when validation of a debt is requested. I am going off Consumer Financial Protection Bureau regulation F subpart B 1006.34 Notice for validation of debts. ( a ) Validation information required. ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : I am going off your laws ( CFPB ) and requesting information from this company only to receive a letter saying verify and nothing unless that the law said they are required to send.
Company Response:
State: TX
Zip: 75071
Submitted Via: Web
Date Sent: 2022-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Great Lakes Educational Loan Services , Inc reported an alleged debt to my XXXX, XXXX, & XXXX credit report which is a violation of 15 USC 1692c ( b ) 15 USC 1692b ( 2 )
Company Response:
State: MS
Zip: 39648
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
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: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Company Response:
State: VA
Zip: 240XX
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: NelNet Servicing LLC along with the department of education sent me a letter saying that any payment made. on my federal student loans made after XX/XX/2020 I am entitled to a refund which in total come up to {$9900.00} but the company that took the money which is XXXX XXXX is telling me that they are not giving me a refund of those payments. They are saying that XXXX is the bank that issued the loan and they not giving my money back either. The date of XX/XX/2020 is the day I became total and permanent XXXX. Firstmark Services is a division on Nelnet the company that sent the letter XXXX ID # XXXX
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: On XX/XX/XXXX, I applied for a {$15000.00} XXXX XXXX XXXX XXXX, a student loan to be used to finance the New York State Bar Exam preparatory course and exam fees. The application and note both read as a master student loan. The interest rate on this loan has increased each year and is now currently at 10.5 %. To date, I have already paid {$16000.00} on this {$15000.00} loan, and still have a principal balance due of {$13000.00}. In XX/XX/XXXX and again in XX/XX/XXXX, I reached out to student loan refinance companies to attempt to refinance this loan to lower the interest rate and monthly payments. Both attempts have been declined because this loan, which is currently serviced by Firstmark Services, is being inaccurately reported on my credit report as a personal loan and not a student loan. When I reached out to Firstmark about getting this corrected, as it is not only impacting my ability to refinance, but also my credit score per XXXX, they responded by saying the loan is " not reported as a student loan and is also listed like this in the promissory note and disclosure documents. '' After review of the promissory note, which clearly states it is a " Master Student Loan Promissory Note '', I reached back out to Firstmark, who has yet to correct the issue on my credit, leading to another denial of my refinance application.
Company Response:
State: FL
Zip: 34212
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: I spoke with " XXXX '' on XX/XX/XXXX about my Student Loan through Nelnet. This was after several call and emails starting in XX/XX/XXXX about " my Loans being x days behind '' despite the Student Loan payment suspension until XX/XX/XXXX, the most recent notice is that I am 90 days behind which would indicate I haven't made a payment since XX/XX/XXXX, which is during the Covid payment suspension extension passed in XX/XX/XXXX. The main issue with this is that my Loans were claimed under hardship in a XXXX XXXX bankruptcy in XXXX. Nelnet was informed of this is XXXX, they have records confirming this. When I spoke to XXXX today ( and after a little research on XXXX 's end ) I was told that the Guarantor on this account ( my Bankruptcy trustee ) shows the debt as paid in full, but Nelnet re-purchased my Loans and made them active again? or that because the Guarantor shows them as active accounts they can still collect on them, despite being paid off? I didn't really get a clear answer, however I was told that either way I needed to prove they had been paid off or be put on an IDRP.. which in my opinion isn't my responsibility because Nelnet was informed when I filed bankruptcy, informed again by Phone when they called me in XXXX and the Agent confirmed the bankruptcy, were informed when said bankruptcy was discharged and they only started calling me AFTER it had been discharged... If they can see the Loans are paid off in bankruptcy, how is it legal to attempt to collect it AGAIN from the Student.. during a payment freeze?
Company Response:
State: WA
Zip: 98037
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A