| 12/08/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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|
Web |
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1. GEORGIA STUDENT FINANCE Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 120 days late on this account from the month of XX/XX/XXXX up to the month of XX/XX/XXXX.
I immediately disputed this information with GEORGIA STUDENT FINANCE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 01/16/2017 |
No |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
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|
Web |
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|
I have had Federal Student loan since 2007, that 's when I have began my XXXX XXXX College and where I had hoped that after completing my course I will start my professional career but it all ended up to nothing counselor at the school did not help me at all while being in the school or after completing did not guide me to get job and to start my career. they lied to me. it was really frustrating and it 's all hurting up until now. at first in 2007, at that time my loan was approved by the company called Georgia Student Finance XXXX I was not able to afford the expenses and at that time I really need the job with high pay. seeing that people at the college showed us big dreams but at the end we got nothing but just to pay off the loan we got just to learn nothing. after not finding the job in field I have worked hard in checkers and began making my monthly payments because I really did not want it ruined my credit. my account has been transferred to XXXX XXXX XXXX, I have tried and explained to them that currently I am not working and explained them all in details how the school have cheated me but they are saying they can not help. and MOST important when I log into my American educational Service account online I see everything including the date my loan granted but I do not see my payment history from the beginning to up until now, i made a lot of payments toward my loan and on the payments checks I have wrote a note to apply all towards my principal balance but now even after i have made those payments I do not see the principal balance has been gone down in fact they just keep like to add interest on top it. i have requested XXXX and XXXX several times why the payments I have made toward my principal loan while my account was with XXXX why does not reflect on my account or when i ask them I need see it. XXXX just say they will send the request to my previous loan carrier XXXX and they will mail you, i never had received the total payment history as of yet and i requested them several times. but my question is if it is same account that has been transferred to XXXX and they are showing every single things but missing my payments history why this has not been transferred to them and should reflect to my account currently. I need know where the payments went to? as for my knowledge I paid like almost near {$3500.00} toward my principal balance but I do not see that amount reflecting my account. where did it go? it should have applied to Principal balance. but if not where is it on my account? i see all interest that has been added from past 2007 but where are total numbers of those payments I made toward the principal? If they will not forgive my loan? I need them to get the total of the payments I made from beginning from 2007 up until now and deduct that from my Principal loan.
Consumer 's Desired Resolution : I need complete details of total payments I made toward my loan From GEORGIA STUDENTS FINANCE XXXX, for their fault I need them to forgive or at least deduct the total numbers of payments I made toward the principal balance in amount of nearly {$3500.00}. and reflect all that my account does no matter if it has been transferred to another company.
|
| 01/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
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I have sent many letters informing Georgia Student Finance that I received a copy of my credit reports, and noticed some late payments that still need to be corrected. I mailed a certified letter on XX/XX/2022 and it was signed for and received on XX/XX/2022. This company has had over 30 days to respond and my credit report has still not been updated. Again, the late payments are as follows : Georgia Student Finance ( XXXX ) Your company is in violation of the Fair Credit Reporting Act ( FCRA ), otherwise known as 15 USC 1681. Pursuant to 15 USC 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies, THE LAW CLEARLY STATES : ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Clearly, prohibition means something that is not allowed. This law says a person ( you in this case ) shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Lets look at has reasonable cause to believe that the information is inaccurate.
I CLEARLY showed you in my previous letter ( that you received via certified mail ) that you have REASONABLE CAUSE to believe that the information is INACCURATE by me CLEARLY defining accurate and what it means to be inaccurate and pointing out the laws that youve violated, therefore the information being inaccurate!
While were at it, pursuant to 15 USC 1681a ( 4 ) - Congressional findings and statement of purpose, THE LAW CLEARLY STATES : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Clearly, my right to privacy as a consumer has been violated by publicly reporting this information when I never gave your organization permission to report my information.
This is getting out of hand, so if you continue failing to follow the law after Ive CLEARLY showed you that you have reasonable cause to believe that the information is in fact inaccurate, this matter will result in legal actions being taken against your company for actual damages, and I will be seeking {$1000.00} per violation of the following : - 15 USC 1681n - Civil liability for willful noncompliance - 15 USC 1681o - Civil liability for negligent noncompliance There was no contact to state that my dispute letters were even received. When discussing it over the phone, I was told that it will never be removed. This is against the law and I am very disappointed in how this company has conducted business.
|
| 06/03/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
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|
Hello!
Hope this email finds you well. I am writing in regard to issues I have with my account, and I am in search of transparency, assistance and resolution. My student loan was deferred from XX/XX/XXXX to XX/XX/XXXX XXXX my loan was actually deferred for various periods but this is the time period I have an issue with ). However when reviewing my credit file I noticed that my student loan payments were marked late every month from XX/XX/XXXX to XX/XX/XXXX ( for a total of 11 late payments that appear on all of my credit reports - all three bureaus ). Aside from allowing students to defer a student loan payment for a specific period, a deferment should also protect borrowers ' credit rating while they are facing financial hardship or are in school.
I have contacted GSFC several times regarding this matter and I keep getting the runaround. I was told by one of your reps to file a dispute with the credit bureaus, and when I filed the dispute, GSFC told the credit bureaus that the late payments were correct, even though my loans were in deferment - this is where the questionable business practices begin. I then contacted the office and asked for a letter that outlined my deferments, and received a letter that did not include all of my deferments - they ironically left off the years I was inquiring about. Then, I contacted the office and asked for a manager and was referred to XXXX XXXX who sent proprietary internal information XXXX screenshots from your database ) so that I could decipher my deferments on my own using a reference key that she provided XXXX see below email thread ).
I am not sure what your best practices are but this is extremely frustrating to borrowers. It seems as if borrowers are penalized for deferring payments - this entire experience has discouraged me from taking advantage of something that is supposed to assist me in hardship because of the negative impact it is having on my credit worthiness. In many ways, these practices seem to be in violation of the Truth in Lending Act. During this pandemic, the last thing consumers need is to be penalized because they are facing hardship.
I ask that GSFC correct the erroneous late payments ( 12 total ) for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These months should appear as paid on time per my approved deferment from XX/XX/XXXX to XX/XX/XXXX. Please be honest, and provide the credit bureaus with accurate information when they contact you, and remove the 11 incorrect late payments from my credit file. Attached to this letter I have included : -The attached screenshots from XXXX -The letter from GSFC -And the dispute letters from the three credit bureaus Please let me know if you need any additional information from me to assist in remedying this situation. Thank you!
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| 11/02/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
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|
Web |
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|
Hello, I took out a Private student loan with GSF ( Georgia Student Financing ) in XXXX. I was attending XXXX XXXX XXXX. I did not complete the degree at that school. However, there was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX which was {$10.00} a month. As a XXXX mother at that time, I was XXXX and could not even afford to pay it. After some time went pass for not making the payments, it was sent to collections. The tricky part about the collection agency reporting is that it is not reported under the collection agency, but still under ( GSFC ). So although I had to call GSFC per credit report, I would only be redirected to a collection agency. The first one was called XXXX XXXX and now the second is the XXXX XXXX.
My first Complaint : There is a 2nd duplicate account opened under the same company ( GSF ), it was opened in XXXX and closed quickly ( Unknown reasons never given ). I asked for this to be deleted because there is an original account with the same information still active. I have tried numerous times with no success in them deleting it and no explanation why a duplicate account was made when the original account was still active.
My 2nd Compliant : After occurring all the late payments adding up ( {$50.00} ) it was over {$1500.00} and I owed only around {$3000.00}. Although I made the payments sometimes, it never helped my credit, it still said late ( because the amount I owed was more than I was paying ). I decided to pay it all off and in hopes would have it closed and deleted because it is 7 years old ( and is considered a personal, private loan ). I tried to have it closed and deleted, but yet they will not delete it from my credit report. It was opened in XX/XX/XXXX and it is now XX/XX/XXXX. By Georgia Law, I thought that personal/private loans are only given 6 years to pursue it, and It is all paid now. So I see no reason why this is so hard for them. It would help my credit so much if they would delete the XXXX payment history and delete the account.
I have a hard time communicating with them because although they are on the credit report as if they are the on reporting it, they actually are not and it's a collection agency. So I am always going back and forth from them to collections, to my credit reporting companies. I really need help, it seems no one is listening or cares on this matter. As a XXXX mother, I am ready to start new and really need this.
|
| 12/28/2021 |
No |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't temporarily delay making payments
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|
Web |
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I was contacted on XX/XX/2021 by a Georgia Student Finance Commission agent who informed me that a payment was due on my account. I informed the agent that my account was in forbearance or in deferment. The agent told me it ending a month or two earlier. I informed the agent that I was not made aware of the change. I asked the agent about applying for a forbearance or deferment for economic hardship. The agent asked if I was employed. I informed the agent that I am employed but due to other financial obligations, and financial strain that I could not afford to make the payment or future payments at this time. The lady told me that I would not qualify for any of the options. I asked to agent to still send me the documents so I could fill out the one that applies. As I viewed the document it only list the following option to apply for ( listed below ) : I am experiencing a Student Loan Debt Burden. One year increments, XXXX years total.
Monthly payments on my Title IV loans ( including XXXX, XXXX, and XXXX ) are equal to or greater than 20 % of my total monthly gross income.
I am engaged in a XXXX or XXXX XXXX XXXX XXXX One year increments, length of program.
An authorized official must complete section XXXX of this form indicating the beginning and ending dates.
I am serving in XXXX XXXX ( XXXX ), XXXX XXXX, or XXXX repayment. One year increments, length of program.
Supporting documentation from the authorized official indicating the beginning and ending dates must be supplied.
I am serving on active XXXX XXXX duty as a member of the XXXX XXXX. One year increments, length of program.
An authorized official must complete section XXXX of this form indicating the beginning and ending dates.
Each of the forbearance qualifications given does not apply to me. Georgia Student Finance Commission updated there form in XX/XX/2021. Before the form was updated I qualified for the forbearance. This company no longer accepts medical or other debt as financial hardship, it only has to be unemployment status or student loan payments 20 % higher than you monthly income. This is making it extremely hard on my finances during this pandemic. I can not afford to make payments at this moment and my financial hardship reasoning should be accepted. This is also affecting my credit scores and mental health.
|
| 09/20/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Servicemember |
|
Disclaimer : I am a real person not a credit repair agency. My previous dispute was not corrected and by FCRA Law you are required to address my concerns. This is " NOT '' a goodwill request.
I am not refusing to pay my student loans nor denying that I signed a promissory note.
I have been sending in letters to the Georgia student finance company and sending dispute notices to all 3 credit bureaus.
when I dispute the information, your agency adds on more late payments and states it's been updated.
Your agency is reporting that been XXXX. I was 60 to 180 days late. This is default status. I was not that many payments behind. I contacted your agency and someone dropped the ball by not updating my approved /forbearance..
If I was that behind. I am requesting all correspondence during this time period of statements and deferments/forbearance.
There is no way I was 180 days past due and was not reported to the default company.
Again, I am not denying that I signed a promissory note that I owe student loans. What I did not do is signed any documents that your agency report inaccurate information to my credit report.
If you agency is going to report to our credit report, then you have to follow FCRA regulations.
15 USC 1681s-2 - states that you have a duty as a furnisher to provide accurate information to the credit reporting agencies. Reporting inaccurate information with knowledge errors is illegal and must be modified or deleted.
unfortunately, your agency has been notified my mail 2 times and I have previously submitted a CFPB complaint. The information was correct and updated recently adding on more late payments.
These late payments is affecting my character and is inaccurate.
|
| 11/13/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
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|
I have sent 3 certified return receipt letters to Georgia Student Finance regarding the late payments they are reporting on 7 accounts that are damaging my credit severely.
To date, they have ignored my letters and never responded to me.
I have provided them with FTC Advisory Opinion to Harris ( 03-22-99 ) *attached, which states : Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct even if the loan was correctly reported as delinquent, but has subsequently been paid.
Please assist me with getting a response from Georgia Student Finance regarding the issue stated above. They have ignored my disputes and every month, they continue to report late payments even though the FTC opinion states they are to CORRECT and update the payments now that they are no longer late.
|
| 10/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Spoke to XXXX XXXX XXXX a couple of times, beginning on XX/XX/XXXX, regarding the status of my student loan accounts with the Georgia Student Finance Commission. I asked him why are they being reported as delinquent when I am currently a graduate student at XXXX XXXX University, and the in-school status was made available to all of my student loan servicers. I knew this because I called the XXXX XXXX University Financial Aid office to confirm. I also wanted to know how the accounts went from being current in the month of XX/XX/XXXX and then sixty days late in XX/XX/XXXX, which is the status indicated on all of my credit profiles. Lastly, I wanted to know why are the accounts going through status changes when student loans were paused on the COVID-19 Rescue Act beginning on XX/XX/XXXX, and lasting until XX/XX/XXXX.
I was advised to set up a payment arrangement and make six consecutive on-time payments of {$460.00} per month under their Rehabilitation Program and at the conclusion of those successful six payments they would place the accounts back in a current status. This company has an in-school deferment policy, that they refuse to follow, as well as the national presidential order that was made active under the COVID-19 Rescue Act. As a result, they have seriously diminished my credit standings with the credit bureaus and my revolving credit accounts.
|
| 05/26/2023 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
I have tried to contact this company numerous times in regards to repayment. They either don't answer the phone or place me on an extremely long hold with no resolution insight. the one time I was able to contact them they informed me I would have to pay over {$5000.00} upfront to become current and that they couldn't offer me a payment plan or any type of arrangement until I made that payment. they have now start reporting to my Social Security number as a default payment but the account is still open and they refuse to close it although it's been over 10 years since I got the loan. When I tried to reach out during Covid they sent my call over to another company that they own who is now handling the payments but the company refuses to give me a name and I haven't received any correspondence in over three years in regards to this loan, but every year they take my state tax and any other aid that comes my way. Any time I do get a person I try to express my hardship, for me to be told there is nothing to be done outside of paying that lump sum upfront. I was encouraged by my school to get this high interest loan to cover a few XXXX dollars. I was short for the semester to now oh almost tripled, that amount that I agreed to because of interest.
|
| 03/25/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
I filed Chapter XXXX bankruptcy in XX/XX/XXXX. Georgia Student Finance Commission was listed as a creditor on the bankruptcy. However, GSFC continue to report negatively during the bankruptcy proceedings. On XX/XX/XXXX, the Chapter XXXX bankruptcy was discharged without contest from creditors. I have consistently contacted XXXX, XXXX, and XXXX, plus GSFC, disputing the the discharged debt. XXXX dispute came back as the debt will remain, Transunion continues report the debt, GSFC continues to report the debt negatively on my report knowing the debt has been discharged. I have reached out to the Vice President, XXXX XXXX, of GSFC to inform her of the bankruptcy discharged and presented all court documents. Her response was that GSFC lawyers informed her that the debt was not discharged which the evidenced shows the creditor is listed and the debt is discharged on page 3 of 5 of creditor report listing GSFC discharged on XX/XX/XXXX. I feel that I have exhausted all efforts with the creditor. As I read the reviews of other patrons of this finance company, they have shared the same experiences with this company. I have attached copies of the bankruptcy discharge report, trustee notes, creditor report.
|
| 10/29/2021 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
I attended XXXX from XXXX graduating with a BS in Web Development and XXXX XXXX. Shortly after graduating I was notified via mail that I was a student effected by XXXX 's false advertisement by the FTC. The false advertisement that XXXX publicly admitted to. From mid 2014- present I have receive deferments and forbearance but no permanent resolution to the issue. I called GSFC/GSFA/GHEAC on numerous occasions and spoke to a person in legal that said that there was nothing that can be done about the loans. He stated he did not have adequate information, even though I sent the article that clearly states that it was a valid lawsuit and to seek further action for forgiveness. From 2014 to present the loans have accrued interest and I have had no resolution as to why my loans have not been forgiven or cancelled when the information and resolution options included in the lawsuit were provided and the documents were made public. I have made several good faith attempts to have this resolved by GSFC/GSFA/GHEAC with no resolution. The lawsuit by the FTC was resolved and XXXX admitted their guilt and GSFC/GSFA/GHEAC has caused major financial damage affecting my family and I for the past 7 years.
|
| 09/21/2022 |
Yes |
- Student loan
- Private student loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
This is my second complaint with Georgia Student Finance. This time I am filing a complaint because the school XXXX XXXX closed down back in 2019. I was misled into believing that I would have gainful employment after completing the degree program. I was forced into signing that Master Promissory Note.
I do have an active borrower 's defense application with the Department of Education. They have not made a ruling as of yet XXXX ( application number ) Can provide a copy of the application that was in fact for the former school, XXXXXXXX XXXX.
While the Lender has my signature and I disputed the debt before as not valid, to me, I believe the contract should not be enforced. Because I was like many other students forced to take out extremely expensive loans.
I also informed the organization that I am no longer in the state of Georgia and had no choice but to move because I had not gained employment. This is what I was promised when I enrolled in the program.
I have tried to work with this agency but they are not willing to work with my at all and left me no choice but to filed another complaint with the cfpb.
|
| 03/16/2023 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
Georgia Student Finance has been very unpleasant to work with. I have contacted them MULTIPLE times to work out a payment plan up until the point now where when I call now no one is able to answer the phone and my call drops. The times when I would call and speak to someone the representatives were extremely rude, not cooperative and failed to even take the payment I could afford to pay them. They proceed to tell me they do not accept payment arrangements or skip payments and now every single month, my credit shows up as being 120 days past due. It has been almost 2 years that my credit continues to get impacted as 120 days past due and it is not being charged off or forward to a collections team to be able to work out a payment arrangement. Because of this, I am not able to open a mortgage, purchase a car, or start my business because I am seen as a risk to most lenders. There needs to be a stop to this unfair treatment and an internal & external investigation of their operational process needs to be reviewed as soon as possible because I am sure I am not the only customer that is going through this.
|
| 03/29/2021 |
No |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I took a student loan from Georgia Financial Authority in XXXX. I paid off the loan from what the representative told me I owed in XXXX of XXXX.
I recently checked with credit report recently and saw that I have had 120 late payment for that account starting from XXXX of XXXX to XXXX of XXXX.
I called them and told them that It should of been closed. they told me that thee eaccount was never closed and that there was a small remaining balance that had been accruing interest.
All the contact info they have on me was from XXXX when I initially took the loan and so there was no way for me to know there was anything remaining.
This has completely ruined my credit and I filed a dispute with them and they told me they are not willing to do anything about it.
I did my due diligence to.pay off this loan and for me to get so negatively impacted is unfair when they can easily detract/ forgive that deliquency that should not happened in the first place.
I made sure the account has been closed out as soon as I found out and paid the remaining balance that accrued interest since XXXX.
Please Help!
|
| 04/12/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Too whom it may concern Im submitting this complaint on my own theres no third party involved. Georgia Student Finance Commission Is in violation of the Truth and Lending Act 15 U.S.C. 1666 Correction of Billing Error. They have reported my account 90 days late which is in error. I filed a hardship with Georgia Student Finance Commission. I submitted a hardship to put a pause on my GA student finance loans back in XXXX through GA student finance portal. In XXXX I called GA student finance since I didnt hear from them. Someone from their department while on the phone with me advised that I forward my case ID to her and that I was all set ( see attachment ). On XX/XX/2022 I called and spoke with XXXX concerning my account. She said my account was never worked on and she will be working on it. She stated she would send an email that day and never sent it. The lack of organization, professionalism and effort on Georgia Student Finance Commission part has caused my credit score to drop because they didnt do their job. This is really hurting my reputation and effecting my ability to buy a house.
|
| 11/07/2017 |
No |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
Servicemember |
|
1. GSFA is reporting a student loan with late payments for XX/XX/XXXX.
2. I disputed this as inaccurate with all 3 credit reporting agencies based on a deferment but the payment history was " verified '' by GSFA.
3. I requested an investigation by GSFA giving them documentation from the current servicer showing the student loan was approved for a deferment, therefore could not be late when no payment was due. 4. I requested a hard copy of my GSFA payment history and deferment do
cuments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Per phone call to GSFA, they advised me that I was approved for a student loan deferment to cover XX/XX/XXXX but refused to provide me with any copies of this approval when requested.
5. Section 623 ( a ) ( 2 ) of the FCRA states that GSFA has a duty to update information to the most current information. The retroactive deferment changed the accuracy of their reporting and must be updated to reflect the corrected accurate information showing no payments were due for the above dates.
GSFA is reporting missed payments for reporting periods requiring no payments.
|
| 09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
|
| 04/22/2021 |
No |
- Student loan
- Private student loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
There are two late payments on my account that is hindering my credit report my score took a terrible dip due to payment MISUNDERSTANDING. The missed payments were reported in XXXX and XXXX. XX/XX/2019 I made payment of {$270.00}, XX/XX/2019 {$130.00}, and a {$99.00} in XXXX XXXX.My total payment amount for both loans are {$99.00} dollars and {$49.00} dollars. These loans are separate and are to be paid separate I did not realize that. In XX/XX/2019 I made the payment of {$270.00} to cover both loans which left a remaining overage of {$130.00}, XX/XX/2019 I made a payment of {$130.00} which is the total amount of $ XXXX+ {$49.00}. At this point this is deformation of my character because creditors are looking at my profile labeling me as irresponsible. I have asked several times with only updated account info, but I would like a deletions of the red derogatory marks so that I can have a fair chance at a descent interest rate in purchasing my home, instead of higher rates due to a misunderstanding of their payment system.
|
| 12/14/2018 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/XXXX I received a credit report from annual credit report that list debt with incorrect payment history. So on XX/XX/XXXX I sent a dispute letter by certified mail to Georgia student finance XXXX XXXX XXXX XXXX, XXXX, GA XXXX. The address that was on my credit report. I have not received a response. on XX/XX/XXXX I sent a follow up letter requesting debit validation to the address above I still have not received a response. On XX/XX/XXXX I sent a dispute letter to both credit reporting agencies asking for validation of debit, in XX/XX/XXXX both credit reporting agencies responded validating the debit. Still havent received a response then I checked my credit again to find out that this company has illegally re aged my account. They did this by stating false payment where made on this account in XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX which is not correct. This account is 7 years old as of XX/XX/XXXX and should be removed from my credit report. This company is in violation of the FDCPA act and my consumer rights.
|
| 06/28/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I've filed multiple disputes ( XX/XX/2022, XX/XX/2022 & XX/XX/2022 ) with XXXX regarding a student loan that continues to show on my credit report with them from the Georgia Student Finance Authority ( GSFA ) in the amount of {$4.00}.
The amount represents a student loan for which I applied and was approved for last Fall to attend XXXX University ( XXXX ). However, I withdrew from the program prior to the last official day possible to receive refunds. I've confirmed with both XXXX and GFSA that the funds in question were returned to GSFA. However, every time attempt to have my XXXX credit report corrected to reflect such I am rejected. I have received repeat dispute rejections from XXXX stating that GSFA confirms that the information and account balance of {$4300.00} listed on my credit report is correct. But on my credit report with the other two reporting agencies, the balance for this particular loan reflects a {$0.00} balance. When I called GSFA months ago I was also told that my balance was {$0.00}.
|
| 08/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I recently looked at my credit report with ( XXXX, XXXX, & XXXX ) and I noticed some late payments posted on my credit report.
Unfortunately, your agency is in a clear violation of the law.
Under 15 USC 1681b- permissible purpose of consumer reports, The Law Clearly States ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Did I give you written instructions to furnish this account on my credit report?
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
|
| 01/12/2023 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I could not pay student loans for Georgia Student Finance Commission 's Student Access Loan for a while during XXXX. There was no attempt to resolve the issue by extending forbearance or deferment. It is just a feeble attempt to help fix this. XXXX when I started working a better-paying job, an attempt was made for installments of XXXX XXXX XXXX on XX/XX/2022. In addition, my XXXX tax refund was used to help pay off the loan amount. I received my credit report and noticed late payment reports. I knew I had made installments, so I did not understand why missed payments were being reported. When I went to see what was going on and do a forbearance on XX/XX/2022 because I lost my job, I was notified later by mail that it was sent to collection. I never received any letter that this was being sent to collections on XX/XX/2022, and again, no attempt to resolve the issue. Even in collection status, I have received nothing from any collection agency! This is immensely hurting my credit for no reason.
|
| 12/05/2018 |
No |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I submitted a check in the amount of {$160.00} to the Georgia Student Finance Commission for two of my Student Loans on XX/XX/2018. Check Number XXXX that is directly affiliated to my XXXX XXXX Checking Account. The XXXX XXXX Resolution team is also Researching this matter. ( Conf. # XXXX ) I called The Georgia Student Finance Commission when I received an alert from the Credit Bureaus that my accounts were past due. I have kept my Accounts in Good Standings for over 4 Years. I don't believe in coincidences but base on my research, whenever I have mailed my payment to the Georgia Student Finance Commission there has always been a problem with the processing of the check submitted. There has never been a problem when I have called in my payment. I have a great relationship with the Georgia Student Finance Commission and I would like for that to continue. I am sure that this problem can and will be resolved. I will call in my payments from now on or set up Automatic Drafts from my Bank Account.
|
| 07/20/2017 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
On XXXX XXXX, 2017, I received a letter from Georgia Student Finance Authority. The letter informed me that the request for loan discharge " has been approved. '' It further explained what this decision meant to me, which was " This discharge releases you of any financial obligations on the loan. '' After reviewing my credit report on XXXX XXXX 2017, I noticed that my credit report did not reflect accurate information regarding Georgia Student Finance Authority. Due to the fact the information was incorrect based on the letter received. On XXXX XXXX, 2017 I initiated an online dispute with XXXX. XXXX XXXX, 2017 I received notice that the investigation for my dispute was completed XXXX XXXX, 2017. I contacted XXXX concerning dispute, requesting for the account to be removed from my credit report. The investigation took longer than 30 days to resolve ; however XXXX refused to comply with the FCRA compliance. This action has affected me in a negative way
|
| 05/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I received a letter from your company stating that I owe an outstanding balance. This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : XXXXProof that you either own or were assigned the debt from the creditor XXXXProof that you have the right to collect this debt in my state XXXXProof that your company carries a bond XXXX.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor XXXXName and address from the original creditor XXXX.Copy of the original contract bearing my signature Thank you for your time and cooperation
|
| 05/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I received a letter from your company stating that I owe an outstanding balance. This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature Thank you for your time and cooperation
|
| 12/24/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I have attempted several times to have XXXX remove this from my credit report because it's stopping me from purchasing a home. first it is not my account it belong to XXXX XXXX I was removed from this account 3 months after car was purchased. 2nd the car was totaled and the balance after insurance and Gap insurance paid is incorrect and the dates are incorrect. I have several time attempted to have this removed from all three bureaus and I feel like it's violating my credit reporting rights. XXXX do have knowledge of this issue and fail to resolve it. XXXX have an internally inconsistant error issue and is doing nothing about it, XXXX has had this issue for years and fail to resolve it. I would like this account removed from XXXX, XXXX, and XXXX because even the amounts and dates are incorrect and it needs to be resole or my next step is an attorney.
|
| 10/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I have communicated with XXXX, XXXX, and XXXX, many times in recent months via, mail and telephone, to have so errant accounts removed from my credit report. After checking the reports on XX/XX/2022, it came to my notice that the Company, Georgia Student Finance Commission STILL has an account furnished on my reports.
I am sick of this because it has lead to me being denied housing opportunities. My current lease ends in 12 days and I have nowhere to go because I keep getting denied ( PAID ) rental applications due to low credit score.
Today along with this complaint, I am hereby providing you formal notice to cease any further communication regarding this account immediately, pursuant to my rights as per 15 USC 1692c ( c ). This includes but is not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.
|
| 10/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I have communicated with XXXX, XXXX, and XXXX, many times in recent months via, mail and telephone, to have so errant accounts removed from my credit report. After checking the reports on XX/XX/2022, it came to my notice that the Company, Georgia Student Finance Commission STILL has an account furnished on my reports.
I am sick of this because it has lead to me being denied housing opportunities. My current lease ends in 12 days and I have nowhere to go because I keep getting denied ( PAID ) rental applications due to low credit score.
Today along with this complaint, I am hereby providing you formal notice to cease any further communication regarding this account immediately, pursuant to my rights as per 15 USC 1692c ( c ). This includes but is not limited to telephone calls, emails, social media, or any XXXX XXXX XXXX.
|
| 04/05/2021 |
No |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
Servicemember |
|
I have been battling this loan company since the inception of the loan. They keep reporting me as late when the account is supposed to be in deferment. At the start of the pandemic I was told that my account was covered in the federal stay ordered my the President but my account was still reported as late. I was told to dispute it for correction but instead they verified. it. I spoke with a supervisor XXXX XXXX who was supposed to look into this and call me back but never did. The I spoke with her Sup a XXXX XXXX XXXX who assured me she would correct the reporting and the account was to be in deferment. Not only was it not corrected they now have 4 late payments reporting. The only thing reporting late on my credit and its killing my XXXXredit score and preventing me from being able to make financial moves
|
| 10/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I have communicated with XXXX, XXXX, and XXXX, many times in recent months via, mail and telephone, to have so errant accounts removed from my credit report. After checking the reports on XX/XX/2022, it came to my notice that the XXXX, XXXX STILL has multiple accounts furnished on my reports.
I am sick of this because it has lead to me being denied housing opportunities. My current lease ends in 12 days and I have nowhere to go because I keep getting denied ( PAID ) rental applications due to low credit score.
Today along with this complaint, I am hereby providing you formal notice to cease any further communication regarding this account immediately, pursuant to my rights as per 15 USC 1692c ( c ). This includes but is not limited to telephone calls, emails, social media, or any XXXX XXXX XXXX.
|
| 10/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I have communicated with XXXX, XXXX, and XXXX, many times in recent months via, mail and telephone, to have so errant accounts removed from my credit report. After checking the reports on XX/XX/2022, it came to my notice that the XXXX, XXXX STILL has multiple accounts furnished on my reports.
I am sick of this because it has lead to me being denied housing opportunities. My current lease ends in 12 days and I have nowhere to go because I keep getting denied ( PAID ) rental applications due to low credit score.
Today along with this complaint, I am hereby providing you formal notice to cease any further communication regarding this account immediately, pursuant to my rights as per 15 USC 1692c ( c ). This includes but is not limited to telephone calls, emails, social media, or any XXXX XXXX XXXX.
|
| 03/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
From XX/XX/XXXX to XX/XX/XXXX student loan lender, Georgia Student Finance Authority, has refused to stop reporting late payments to my consumer credit report ( XXXX ). My XXXX XXXX bankruptcy was filed XX/XX/XXXX and discharged XX/XX/XXXX. This account is listed on the Certificate page of the bankruptcy. This debtor received a mailed and electronic copy of the my XXXX XXXX bankruptcy and did not show up to court hearings. Therefore, any monetary negotiations between me and the lender are null and void. Under federal law, XXXX XXXX bankruptcy does not require repayment. No worthy assets were available to repay debtors. I have emailed, spoken to representatives, faxed, and mailed GSFA several times over the last year regarding GA Student Finance Authority 's unlawful behavior.
|
| 04/04/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I have been falsely reported by the student loan company, Georgia Student Finance, as owing {$4000.00}. Despite my attempts to resolve the issue, the company has continued to reset the account this year and refuses to correct their records. I reached out to my university 's financial aid department on XX/XX/2022 to confirm that the funds of {$4000.00} were sent back, and they confirmed that all funds were indeed sent back to Georgia Student Finance. However, when I contacted GSF, they lied and denied that the funds were returned, even though they were. I have been unable to resolve this issue with the company and am considering legal action to protect my rights and seek compensation for any harm that I have suffered
|
| 11/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the ( account name : GEORGIA STUDENT FINANC ; Account Number XXXX ) or ( account name : GEORGIA STUDENT FINANC ; Account Number : XXXX ).
Please investigate and provide proof with statements showing that these payments were late and were not on time. If proof can't be provided I demand these payments be updated to on time as they should be as is Never late.
Thank you.
|
| 03/28/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I got the Georgia Service Cancelable loan for the Georgia Student Finance Commission. I commissioned XXXX XXXX upon graduating school and there was some confusion with GSFC as to what documents I was supposed to give them. I was finally able to resolve the issue after a terrible amount of communication with GSFC, and then disputed the claims with the credit agencies. I thought that the issue had been resolved. Unfortunately, it had only gotten resolved with XXXX and not XXXX. The XXXX credit agency dispute shows the same way that it did before the dispute. I took the loan my last two years of school, where it was supposed to be paid off by years in service.
|
| 05/20/2022 |
No |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I have a private student loan through Georgia Student Finance. On XX/XX/XXXX my loan was transferred to a collection company ( XXXX then to XXXX ). While with both companies I was in the loan rehab program paying {$300.00} per month for 11 months. In XXXX of XXXX, my file was suppose to transferred back to XXXX. When I called to get reinstated I was told that account went to another servicer and none of my payments were reflected. On XX/XX/XXXX I got a student loan interest statement stating I paid {$3400.00} in interest. The original balance of {$25000.00} is still being reported as delinquent and XXXX keep reporting to the credit bureaus monthly.
|
| 11/08/2019 |
No |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Georgia Student Finance did not do what they said they would do. Representatives stated to me, that due to my medical illness. I qualified for a Medical Hardship, or Financial Hardship program. I was told that they would mail me a form to fill out, but I never received it. However, they are continuing to report late, and non payments to my Credit Report that has caused tremendous damage to my reports. Georgia Student Finance did not keep their word, and never reached back out to me to see if, or why I didnt receive the form. It seems they dont care, about my Medical illnesses and want to continue to ruin my Credit month, after month.
|
| 02/08/2022 |
No |
- Student loan
- Private student loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Upon checking my credit report, I noticed that I was considered " late '' with the markings from this student loan company. The late markings started XX/XX/2021. I was under the impression that the Student Finance Commission was a federal loan that extended all payments for the COVID Relief Act. I contacted them and they informed me to submit and forbearance form and they will remove the markings. Although, my account has been put in forbearance status, the late markings on my credit still exists. This has caused further hardship in which will prevent me from overcoming the financial hardship I'm currently in due to COVID.
|
| 09/25/2018 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
For the past several years I've been reporting false education late payments listed in my credit report directly to all three major credit reporting agencies. I've also taken my dispute directly with the school " Georgia Student Finance '' and they have not corrected the matter. XXXX was the original education loan I obtained and was in forbearance when Georgia was sold my loan - I was never late and the problem was with the exchange between the two institutions on how they handled handover.
This false information has impacted my financial livelihood and is making very difficult to deal with - please help.
|
| 12/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Georgia student finance lists on my credit score as an account in bad standing or " negative pay status. '' However, I have never taken a student loan. I have either had a scholarship, or I've paid out of pocket. This is negatively affecting my credit score, and it doesn't even show as having a balance due or any balance ever being on there, so it is negatively affecting my credit score with a balance of zero. I've worked hard to being up my score in the last couple of years, and this is just ridiculous... especially since I worked so hard to make sure I never had to take out a loan.
|
| 10/02/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
To satisfy an alleged debt with the furnisher, I agreed to make payment toward the account GSFA Loan Servicing are reporting. According to the agreement, which I included for your review, the defaulted status removal was contingent upon the on-time payment of XXXX XXXX monthly AFTER 9 consecutive months, the probationary period starting XX/XX/XXXX, and ending XX/XX/XXXX. I signed the contract to solidify this agreement, XX/XX/XXXX. However, the report retroactively dated this payment to XX/XX/XXXX, which is false because during that the account was in default with the furnisher.
|
| 03/05/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Debt is unknown. I personally reached out to Georgia student finance and they told me my debt was with XXXX XXXX XXXX. I called XXXX XXXX XXXX and they never answered my calls so I left a voicemail. I contacted my school XXXX XXXX XXXX regarding the debt I owed and they told me my debt was with XXXX, XXXX XXXX XXXX XXXX XXXX. I have already settled my debt with them. I have no idea who Georgia Student Finance is and I want this incorrect information off my credit report. I havent gotten not one bill from them stating I owe any payments and I havent taken a loan out with them.
|
| 07/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act ( Georgia Student Finance ) Account # XXXX, has violated my rights on XX/XX/2023. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.
15U.S.C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. Please remove the negative payment history and update the account to positive and paid as agreed.
|
| 08/15/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have repeatedly tried to get incorrect information taken off of my credit report. My credit report shows that my XXXX loan was 120 days late in XX/XX/XXXX and 120 days late in XX/XX/XXXX. This account was closed or transferred in XXXX therefore any reporting after that is inaccurate. The company will confirm this with me over the phone, but will not correct this issue with XXXX and will not send this to me in writing. I have made many repeated attempts to remedy this issue. This is greatly affecting my credit score and my ability to purchase a home.
|
| 11/25/2017 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Around XX/XX/XXXX I filled out a deferment request to Georgia Student Finance Authority. I never heard back in over 1 month. In XX/XX/XXXX ; I received a letter stating the form I sent was not the correct form and my request was denied. Around XX/XX/XXXX my credit report was reported that my account was 30, 60, 90 days past due and my score dropped 100 points. I filled out another form exactly the same as the previous form and in XX/XX/XXXX I was granted the deferment. I made payments in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
|
| 04/17/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act Georgia Student Finance Authority has violated my rights.
15 U.S.C 1681 s-2 A person shall not furnish any information relating to any consumer reporting agency if the person knows or has been reasonable to believe that this information is inaccurate 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A, section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
|
| 11/12/2021 |
No |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I respectfully request Georgia Student Finance Commission to provide me with competent evidence that I have any legal obligation to pay them.
- pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Pursuant to 15 USC 1962 c ( c ) and 15 USC 1692g ( b ), I am demanding that Georgia Student Finance Commission cease all communication through any mediums unless it pertains to the validation of the alleged debt or remedy for violations that occurred.
|
| 03/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the Fair Credit Report Act, this creditor has violated my rights. Under 15 u.s.c. 1681 section 602, states that i have a right to privacy. 15 u.s.c. 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
|
| 03/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States that I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 10/17/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 which states I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 's 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 03/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
|
| 04/21/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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My student loan was deferred from XX/XX/XXXX to XX/XX/XXXX. However when I reviewed my credit report I noticed that my student loan was marked late every month from XX/XX/XXXX to XX/XX/XXXX ( for a total of XXXX late payments that appear on all of my credit reports, with all three bureaus. The purpose of deferring a student loan is to protect borrowers credit rating until we are able to pay.
|
| 10/15/2020 |
Yes |
- Student loan
- Private student loan
|
- Incorrect information on your report
- Old information reappears or never goes away
|
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Web |
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Complaint is with Georgia Student Finance Authority. On XX/XX/2020, wrote a letter to this private student loan creditor to verify that this account belonged to me. Responded by sending a letter that stated Borrower Identification is missing. I wrote an letter on XX/XX/2020 asking them to remove this account from my credit report. They have not removed the account from my credit report.
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| 03/30/2022 |
No |
- Student loan
- Private student loan
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
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They have been reporting me late since the pandemic started. I thought that student loans were allowed to stop payment while unemployed. They sold my information to another party and I have no idea who. I was not informed and they are not reporting {$800.00} payments. It's been on here 8 years now. I need some relief I'm trying to buy a home.
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| 07/13/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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The company, XXXX XXXX XXXX XXXX XXXX XXXX is collecting money on behalf of the Georgia Student Finance Authority. Both companies are reporting my account as 180 days past due when that is incorrect. I have made payments and disputed this information with the credit bureaus and the credit company still reports incorrect information to them.
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| 09/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
|
| 11/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I have contacted Georgia Student finance authority on several occasions through out the year. beginning in on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.I have been given the run around and the inaccuracies still remain on my credit report.
|
| 11/06/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with your payment plan
|
|
Web |
Servicemember |
|
I pulled my credit reports recently. I found that Georgia Student Finance was listing a loan with three credit bureaus. The balance is for {$2700.00}. Due to financial issues from the pandemic, I am unable to afford to pay this balance.
|
| 05/09/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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On Georgia student finance its states i was passed due for 60 days. & I sent my enrollment paper that stated I was still in school. & my information have not been updated. & if you could help me get the information that would be great.
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| 09/12/2023 |
Yes |
- Student loan
- Private student loan
|
- Issue with income share agreement
- Billing or statement issues
|
|
Web |
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On XX/XX/2023 I spoke to XXXX XXXX about the financial hardship on the interest. I received a bill dated XX/XX/2023 saying I still owe the interest. I called to find out why and I can not reach a supervisor.
|
| 08/03/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
The Georgia Dept of education refuses to get rid of closed accounts that have been paid off & they will not answer the phone. I have 8 closed & paid off accounts that are hurting my credit score.
|
| 04/15/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
|
| 04/19/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Servicemember |
|
Loan in reporting as late for XX/XX/2019 and XX/XX/2019. It should be covered by the unemployment deferment period. Acct number is XXXX
|
| 02/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
passed 7 years
|
| 01/03/2024 |
Yes |
- Student loan
- Private student loan
|
- Issue where my lender is my school
- Cannot graduate, receive diploma, or get transcript due to money owed
|
|
Web |
|
|
|
| 01/02/2024 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Problem lowering your monthly payments
|
|
Web |
|
|
|
| 12/21/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 05/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/05/2023 |
Yes |
- Student loan
- Private student loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 03/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 03/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 03/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Referral |
|
|
|
| 01/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 11/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 10/13/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/09/2022 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 09/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 09/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 07/22/2022 |
Yes |
- Student loan
- Private student loan
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
|
| 05/19/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/15/2022 |
No |
- Student loan
- Private student loan
|
- Getting a loan
- Fraudulent loan
|
|
Web |
Servicemember |
|
|
| 01/17/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 01/17/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 10/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 10/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/16/2021 |
No |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
|
| 10/14/2021 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/04/2021 |
No |
- Student loan
- Private student loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Phone |
|
|
|
| 03/29/2021 |
No |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/18/2021 |
No |
- Student loan
- Private student loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 03/08/2021 |
No |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
|
|
|
| 03/01/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 02/11/2021 |
No |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Phone |
Older American |
|
|
| 01/16/2021 |
No |
- Student loan
- Federal student loan servicing
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 01/07/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 10/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/18/2020 |
No |
- Student loan
- Private student loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/12/2020 |
No |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/28/2020 |
No |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 06/09/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 05/05/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/07/2019 |
No |
- Student loan
- Private student loan
|
- Getting a loan
- Fraudulent loan
|
|
Web |
|
|
|
| 04/15/2019 |
No |
- Student loan
- Federal student loan servicing
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Phone |
|
|
|
| 09/28/2018 |
No |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 07/03/2018 |
No |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 04/24/2018 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 09/25/2017 |
No |
- Student loan
- Private student loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/15/2017 |
No |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Keep getting calls about your loan
|
|
Web |
|
|
|
| 03/08/2017 |
No |
|
- Incorrect information on credit report
- Information is not mine
|
|
Web |
|
|
|
| 02/20/2017 |
No |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Having problems with customer service
|
|
Web |
|
|
|
| 08/26/2016 |
No |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
|
| 08/11/2016 |
No |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/03/2016 |
No |
- Student loan
- Federal student loan servicing
|
- Can't repay my loan
- Can't temporarily postpone payments
|
|
Web |
|
|
|
| 06/24/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Having problems with customer service
|
|
Web |
|
|
|
| 12/16/2014 |
No |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Referral |
|
|
|
| 04/23/2014 |
No |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 12/06/2012 |
Yes |
- Student loan
- Non-federal student loan
|
|
|
Web |
Older American |
|
|