Lincoln Educational Services Corporation CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
12/20/2021	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 Investigation took more than 30 days	PA 19082	Web
XXXX. LINCOL TECHNICAL INSTITUTE Account 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 in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with LINCOL TECHNICAL INSTITUTE 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
11/29/2021	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was result of identity theft	LA 712XX	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( XXXX ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( XXXX ) is amended ( XXXX ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. LINCOLN TECH balXXXX {$5000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( XXXX ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( XXXX ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
10/18/2021	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19082	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. LINCOLN TECH bal. {$10000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
11/19/2018	Yes	Student loan Private student loan	Struggling to repay your loan Can't get other flexible options for repaying your loan	NY 10956	Web
I stareted Lincoln Tech school for XXXX on XX/XX/XXXX. Prior to that I met with their finacial advisor who worked on loans and ensure this was the best private loan. Throughout year long program i made monthly payments in addition to the school receiving grants for my account. During my last XXXX things got tricky and I had to pay past due of 3 months which has been paid off now. Lincoln Tech, offers students a private loan with a company XXXX which is another balance outside of the school receiving federal payment, and my monthly fee to them. So fast forward to XX/XX/XXXX Im at my last month of the XXXX classes and stressed about tuition issues which Lincoln Tech pride themselves saying they will work with a student no matter what! I get sent into collections for XXXX loan that is XXXX!!! The worse part is I didnt even take my boards by the time I get thrown into collections. The Lincoln finacial department headed by Mr. XXXX has been a nightmare! In XX/XX/XXXX I pass my boards and is confronted with situation of not finding a job for a while. Lincoln Tech promised XXXX job opportunities for their students and that wasnt true most people had to find one through other means. In the spring I start working part time and start making payments on the XXXX loan that was placed in collections before I even passed my boards or graduate from the school. In order to make more money Ive decided to apply to XXXX school and one of the requirements is an official transcript from school that I attended. So I reach out to Lincoln finacial office and spoke with their lead person Mr. XXXX or XXXX Iexplain the situation, and how I feel that its not right to be thrown in collections with out installment options to receive official transcript. Mr. XXXX was very rude and immediately shut down anything that I had to say. How can this be for a school that wants referrals, and sell people the idea of working with them. It hasnt even been a year that Ive graduated to be thrown into collections. I feel its unjustified, very conniving, to mislead people to go to a school and be stuck at the end. Meanwhile there were other employees for example Mrs. XXXX who was willing to work with me. Im a student who isnt finacially fit to pay {$8000.00} to get a copy of my transcript to further my education in order to get out of debt. I was told I cant get my transcript even after I started making payments and offered to do payment plans. Mr. XXXX informed all his staff that this cant be done. When I called XXXX XXXX XXXX where Lincoln financial charged it off to discuss lowest payment that can be accepted because I dont have the job I thought Lincoln would help as per their career service I was denied what I can afford. As per the collection agency Lincoln Tech will not go lower than XXXX to get my transcript which I cant afford and the XXXX program starts in XX/XX/XXXX my transcript is due before XX/XX/XXXX. When I called Lincoln corporate I was only given an unofficial transcript which isnt valid. Im sharing this frustrating, misled situation which many other alumni students are facing and are looking to bring light to! Lincoln Tech, tells prospective students they will work with you their finacial system is almost fraud, they overcharge, and just have you sign loan papers and at the end youre stuck and nobody wants to help. I contacted the school president XXXX XXXX and explained frustration she vowed to email me and speak to Mr. XXXX I was left waiting and never got a call back. After calling a corporate they sent an unofficial transcript which cant be accepted and Lincoln is aware of that. All Im looking for is to receive my official transcript and make payments on a lower reasonable settlement cost. I already started making the payments, but it seems Lincoln Tech and their finacial office doesnt care about the alumni students facing finacial hardships and burden from the XXXX tuition! Im very disappointed that this is the result. They have given official transcripts before Mr. XXXX is just refusing to do so even though Ive made payments on account.
10/18/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	NV 89052	Web
In XXXX of XXXX I received a call from XXXX XXXX from Lincoln Tech LTI Receivable Division letting me know that I need to start making my monthly payments. I was confused because I never with drew from college they told me that I was placed on temporary out because I was XXXX and it is dangerous to be around chemicals but I agreed to start paying my monthly payment. I was not working at the time so XXXX XXXX set up payment arrangements with me paying {$30.00} every two weeks adding up to {$60.00} per month. I have never missed a payment. As of this year I noticed that the loan was charged off on my credit and started reporting in XXXX of XXXX as a charge off. I then again called Lincoln Tech and asked why would it be charged off if I have been paying. XXXX XXXX stated that the loan has been charged off since XXXX of XXXX. I then asked him why I was never informed and why it was never reported. Then I asked for my balance was and he stated it was {$5000.00}. So I asked how much my balance was when I originally started making payments and it was {$6300.00}. So I asked him why is the balance so high if I have been paying every month on time for the past 3 years. He then told me because I am being charged interest and they just stopped charging me interest. So I asked why I would be charged interest on a loan that was already charged off as bad debit and he then changed his words and said it was just charged off in XXXX of XXXX. So I asked again why would it be charged off if i never missed a payment. At that point I asked to speak with a supervisor and he told me he was on vacation and I asked him for an email he told me that he can give his supervisor a message. So I waited a week then called again and asked if he gave the supervisor the message to call me. He then avoided the questions and stated that his supervisor was in a meeting. So I asked him if he could have his supervisor give me a call back and he said hold on, placed me on hold for 30 seconds then got back on the phone and told me his supervisor said that they can charge interest and said his supervisor was too busy to speak with me and will call me back. I then asked XXXX XXXX to send every payment and document that they had for my account and asked how long it would take to received all the documents and he said he will send it but he did n't know how long it will take. I have not received any documents and every time I call to speak with a supervisor he always answers the phone and states that he in a meeting or something. So my questions are ( Can a company charge interest on a loan that is already charged off because if not I feel that they at least owe me the money back and place it towards my account for the last 3 years of 50 % of every payment interest was paid ) and if they just recently charged me off the next question is ( Can a company charge off a loan that has been receiving payments every month for the last 3 years ) I just feel like this company is taking advantage of students. I have a bill from XXXX XXXX showing my total payment due is {$60.00}. I also have bank statements for the past 3 years of every payment that was made. If someone can please help me with this I really do n't know how any of this is legal. Also I do n't mind making the payments especially since I have never missed a payment for the last 3 years because I do care about my credit very much. I just want to stand up if not for myself but for others that are being lead into this scam. Thank you for your time, XXXX XXXX XXXX or XXXX
08/30/2020	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	MA 02720	Web
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
08/30/2020	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	MA 02720	Web
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
11/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92040	Web	Servicemember
I, XXXX XXXX XXXX, am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) /// I did not knowingly consent to enter into any consumer credit transaction with Those reporting agencies./// These company ( LINCOLN TECHNICAL INSTITUTE, XXXX XXXX ) willfully violating the FCRA. Without my direct written consent these reporting agencies have used my social security number for their own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ) and identity theft pursuant to 12 CFR 1022.3 ( h ) ./// I did not authorize, nor aware the opening of these account on my behalf./// Those reporting agencies based on false and misleading representation with undisclosed material facts, which constitutes an unfair and deceptive practice pursuant to 12 CFR 1006.22 ( b ) a misleading collection to ruin my consumer credit report, which is an action that can not legally be taken pursuant to 12 CFR 1006.18 ( c ) ( 1 ) and 15 USC 1692e ( 5 ) .///// Those reporting agencies are harming my reputation, by reporting invalidated debts to my consumer credit report which violates 12 CFR 1006.14 ( c ) .///// Pursuant to 15 USC 1681 ( a ) ( 4 ) Those reporting agencies need to exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. My consumer right to privacy has been breached in multiple counts, for multiple accounts by Those reporting agencies./// Pursuant to 15 USC 1681b ( a ) ( 2 ) Those reporting agencies may NOT furnish negative information to my consumer credit report without with my written instruction. No consent is identity theft//// THEY NEED TO REMOVE AND DELETE THESE ACCOUNTS IMMEDIATELY from my consumer credit report. Failure to delete will result in immediate action in Federal District court, and I will be seeking damages under 15 USC 1681n.
06/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60644	Web
As a federally protected consumer. I am currently being harassed by multiple debt collectors. Most of these debt collectors have sent me statements to collect a debt on a POSITIVE balance, if anything I should be the one getting paid.Based on the FDCPA 15 USC 1692 them sending me statements makes them a debt collector .Since they are NOT the original collector this makes them a Third-party debt collector .As a consumer I have the rights to know how much was this sold for or the commission it was assigned. ALL of this so far are violations to the LAW. I have asked for validation and a signed contract between me and the third party debt collectors, which they have not sent me only statements and statements does not mean contract by any means.With this being said that is under violation as well and considered fraud because they unknowingly put me under contract and tarnished my credit report and reputation .Which is another violation. Under the FCRA 15 USC 1681 THESE debt collectors ruined my " reputation " with a bad debt and furnished it to my credit report. The debt also states " failure to pay this debt will result in us furnishing this debt to ANY or ALL consumer reporting agencies. '' This is considered a threat. The word debt is in fact obscene and profane. Last but not least as mentioned before the papers sent to me are all in a positive balance if I OWED anything to these unknown people the balance will be negative because it is impossible to pay a positive off, therefore this means its been paid with my social this entire time .Is there a way of reimbursement? The companies im talking about are : XXXX XXXX Amount : XXXX Date : XXXX lincoln Tech amount : XXXX Date XXXX XXXX XXXX XXXX amount XXXX date XXXX XXXX XXXXXXXX XXXX XXXX amount - {$1000.00} dateXXXX XXXX XXXX
09/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60647	Web
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. LINCOLN TECH violated 15 usc 1692b. ( 5 ), 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), and 18 U.S. Code 8
09/07/2022	Yes	Student loan Private student loan	Dealing with your lender or servicer Need information about your loan balance or loan terms	CT 064XX	Web
I have a student loan from Lincoln tech XXXX XXXX XXXX {$3500.00} from spring of 2021. They use their own lender called XXXX. I started by having auto payments taken out of my account monthly. My problem is I had no receipt or statement billing statement sent to me. So I canceled the auto payment ask the company to send me monthly bills in which I can send a check in order for proof of payment. My problem here is I never get my statement of what is built what is old what Ive been paid I have to call monthly in order to get that. If I forget to call XXXX XXXX then they called me in which I ask for a bill to be mailed to me. Then I pay by personal check. They are not sending me anything monthly but harassing me saying they are going to send to collections or to the credit bureau I would like help on what to do in the situation even though I contact the lender. Is it my Responsibility to call every month in order to receive my bill and even when I get my bill it just shows me the amount that is owed to pay no other details. When I last spoke with the XXXX Representative he has told me I am not the only person who has been having this problem he also said that there is a website I can go on to see this but does not have that information of how I can login when I called Lincoln tech today its XXXX and XXXX told me he does not have that information does not know about that. I uploaded all bills I have received since having this loan. Is this legal for a loan company want payment yet they do not sent monthly statements on what is own and what has been paid. I have other bills where I can go on their website or get my statements every month. I would greatly appreciate someones help. Thank you!
01/13/2019	Yes	Student loan Private student loan	Dealing with your lender or servicer Don't agree with the fees charged	CO 80004	Web
Lincoln Tech has destroyed me financially. They have several accounts against me FOR THE SAME THING. They have grossly over-inflated what they are saying I owe, and they are keeping MY Pell Grant money in the amount of {$2500.00} from me. I was enrolled for ONE AND A HALF MONTHS, and they're saying I owe more than {$5000.00} ( depending on what report you look at ). How?! I had Grant 's, scholarships and some loans. The loans were cancelled because I withdrew so quick. An ENTIRE month, was ORIENTATION, where all students and the instructors ... SAT AND PLAYED COMPUTER games ... how's that worth anything?! Let alone the thousands. I'm disgusted. No wonder they has a class action. No wonder actual shops DONT HIRE LINCOLN GRADS. They mislead and lied to me, which I find funny ... look at their CLASS ACTION LAWSUIT and this will all make sense. They declined to inform me of the procedure of accepting things like Grant 's. I just accepted my {$2500.00} Pell grant YESTERDAY to find that they accepted it on my behalf, and disbursed it ... sometime between XXXX and XXXX. They call my residence ( I live with my grandparents and daughter ) and if I'm not around due to work, etc, I come home to hear HORROR stories of how rude and disrespectful these people at Lincoln are to my XXXX YEAR OLD GRANDPARENTS. I resorted to looking into redeeming MY PELL GRANT that I worked hard for because I'm in a tough spot with my daughter. They stole from and lied to a single father, who's XXXX and was trying to better my life and my daughters.
05/04/2020	Yes	Student loan Private student loan	Dealing with your lender or servicer Problem with customer service	CT 06610	Web
I took out a private loan through XXXX. Since I graduated they have been calling me nonstop ; I graduated 3 mths late but they have me under the previous graduation date so I had to start paying as soon as I graduated. I called and asked for deferment and was told ok only to be called continuously. When I called to ask why Im still receiving calls and negative marks against my credit score they said they dont offer deferment and I need to pay immediately and told me Im 3 mths behind. I have been making payments as much as possible but they still continue to call me nonstop. They have started to call me at work and I asked them to please stop. Even with the pandemic they are still demanding payment in full. Anyone I try to speak to to get lesser payments or to explain why I am 30 days behind come off extremely condescending and rude. the person called mrs. XXXX continues to call me multiple times a day every day. I have requested to receive another case worker because this woman is so rude but they refuse to swap me to anyone else. when I ask for a supervisor the person that responds is just as rude trying to talk over me when I explain the situation. Im currently caught up on payments and they still continue to call and harass me. Theyre claiming that I will be sued by a lawyer for the amount of the loan in full. I continue to make the mthly payments but now theyre have put my credit as behind and are not showing that I am paying even when the balance continues to reflect that payments are being paid.
08/01/2019	Yes	Student loan Private student loan	Dealing with your lender or servicer Problem with customer service	CO 804XX	Web
there are times where i do forget payments but when i answer or call them back one lady that i have to deal with for my loan is rude, harasses me, and hangs up on me.. Today had to be the worse which would be XXXX called to setup payments to get things caught up and she said i need a reason to why you have not contacted us, I told her that i have been working very long days, she says that's not a good enough reason. Only way i can take payment is something today and setup autopay. told her that i can not make a payment today that this was my fault be I'm setting up three payments to get everything caught up, she continued to harasses me about my other bills stating that i don't forget my phone bill, just cause you work long hours is not a good enough reason to where i did get upset and asked for a supervisor which really didn't help much cause the only way he would setup payments is if i setup autopay.. I have had the same woman hang up on me in the past when i asked a question.. she continues to make sure that this is going to mess up my credit there has been many times we have blown up on each other because of her attitude towards me.. im sorry im trying to pay and because of my reason its not good enough? because i have made mistakes that i get harassment from her.. there's time i rather be late then have to deal with this woman.. i dont have pacific dates but they record all there phone conversations.. today i had it with the way she talks to me
03/01/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32817	Web
I am disputing this collection account for several reasons. The original creditor was a school named Lincoln Technical Institute, which closed years ago for fraudulent accounts, predatorily financial aid tactics and student dissatisfaction. I was one of them and the school was located in XXXX XXXX, FL. I stated my concerns with the office managers XXXX XXXX and XXXX XXXX, who then dismissed me immediately from the program on XX/XX/2013. I was in between classes and financial aid was paying the tuition, so I gladly left. One month later, I received a {$1700.00} bill saying I owned them for dropping the program. They automatically put me on a {$200.00} a month repayment plan ( without my permission, no signed documents or even my knowledge ). I started getting calls and letters that this " loan '' is in default and it started reporting on all 3 credit bureaus. I have been disputing this for years now and even contacted the Florida Department of Education who stepped in and wrote Lincoln Technical letters on my behalf to drop this fraudulent charge of {$1700.00}. The school did drop the charge and THEN sold it to this debt collection agency named XXXX XXXX XXXX, who is now harassing me and reporting this " debt '' to all 3 credit bureaus. I need help with this as I am trying to buy a home and clear up my credit. These predatorily companies need to be held accountable for their fraudulent and shady money scheming tactics.
11/02/2018	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	MI 48214	Web
I went to Lincoln Tech in XXXX, GA in XX/XX/XXXX and I received Financial Aid. I graduated from the school, then a few years later I received a letter saying that I owe the school, but I don't!! I NEVER signed any loans to pay for the tuition, it was all done by Financial Aid. My very first loan was with University XXXX XXXX in XX/XX/XXXX, not Lincoln Tech. Lincoln Tech could not provide any proof that I owe the loan. In XX/XX/XXXX, my wages were garnished by some unknown collection agency called XXXX XXXX XXXX in XXXX, MI on XXXX XXXX XXXX XXXX XXXX. and their XXXX number is # XXXX. I contacted this company to ask them to provide proof that I owe this fraudulent loan, but they couldn't provide anything! The lawyer ( XXXX Something ) even asked me if I attended Lincoln Tech and I told him I did and I graduated but I did NOT fill out a loan. The judge still garnished my wages even though this " lawyer '' and the school showed no proof. This " lawyer '' has taken {$5000.00} from me already without proof that I owe anything. This fake " loan '' is not even on my credit report. On the national loan website ( NSLDS.GOV ), this grant is described as a grant- NOT A LOAN. Please research this and investigate this manner. I've been calling US Department of Education and even they could not locate this fake " loan ''. Lincoln Tech was NO help, because they have no proof.
02/09/2017	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Keep getting calls about my loan	MD 20603	Web
Lincoln Tech entered into a contractual agreement with my underaged son whereby I signed as his parent as a cosigner. Without my knowledge or consent, my son dropped out of school and instead of Lincoln Tech sending me an initial request with the appropriate information regarding my son 's debt, they send me threatening letters stating that the account was past due and that they could not contact my son and that they would report this debt negatively to the credit bureaus on my account. I contacted this company several times in writing asking for the appropriate information informing them that I had an issue with them sending me threatening letters when I had never been initially contacted about the original debt.. The company did not respond to my requests for information and verification and yet continued to send me threatening letters stating that they would report negative information on my credit report. I believe that this company violated my rights under the Fair Debt Consumer Reporting Act. I have asked this company several times, where did they expect an underaged child to be able to immediately pay back over XXXX without a response. I believe this college practices predatory lending and even though I have paid them XXXX payments they have reported inaccurate negative information on my credit bureau report.
05/16/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	IN 46254	Web
The department of Education started garnishment of my employment wages for {$12000.00} XX/XX/XXXX I do not accept the debt under proof of claim because XXXX XXXX XXXX neither the department of Education have produced any original documents that I signed as proof that I owe anything I contacted the department of Education on XX/XX/XXXX to find an {$8500.00} balance and more uncooperative conditions by the department of Education I tried to stop further financial damages I coresponded certified mail an overpayment of {$15000.00} to cover the balance, processing and administrative fees payment was kept by the department of Education but the account was not credited garnishments of my wages still continue rendering bad credit reporting to the Credit Bureaus I coresponded by phone to the department of Educations collection agency stating I shouldnt have to pay a debt I dont owe unless hard wet ink evidence is provided not a fabricated copy nor should I have to continue to pay a debt I already paid in full the collection agency forwarded me to the department then I was forwarded back to the agency followed by coresponding a letter from the department limiting my communication to the third party collection agency only.
02/05/2022	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	PA 19135	Web
I have dispute this issue with the credit companies as well as XXXX XXXX XXXX. It is illegal to put something on my credit without my permission. Let alone something that is false. I have dispute with all companies about 6 times. Also, Pursuant to 15 USC 1692a ( 3 ) I am the consumer and I never gave ANY REPORTING AGENCY DIRECT written consent to report anything on my consumer report, No consent is IDENTITY THEFT. Pursuant to 15 USC 1629c ( c ) ( 2 ), I am invoking my specified remedy, as a consumer and the original creditor. I am presenting myself as a federally protected consumer and to my understanding you have assumed a vital role in assembling and evaluating consumer credit. I also understand that you have been developed to uphold a consumers credit worthiness, credit standing/credit capacity, character and most of all the REPUTATION of consumers. While looking at my consumer reports, I noticed accounts that were listed without my permission and written instruction. This is a violation of federal law pursuant to 15 USC 1681b. XXXX XXXX is in violation of 15 U.S.C 1692G. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only I can validate this debt.
01/10/2017	Yes	Student loan Federal student loan servicing	Can't repay my loan Can't decrease my monthly payments	NY 11704	Web
I got a misunderstanding of my lone, when I was singing up to go school, i think they did n't explain the student lone well. I was unemployed at the time when I first started school. I was paying {$230.00} per month, did n't know that it was XXXX different types of loans I had to pay back, not until I graduate. After I finish school they did n't even get a job as they promises, so I when back to my old job, but I only could pay for a while until this is it, am not making as much money. I thought I was mislead in that lone transaction. Am a XXXX XXXX XXXX man with responsibilities.what good paying job could they get me to pay back the lone, when the course is only for couples of months, there 's so much to learn in automotive industry, am not a well educated. So I could n't get into any step program with any of those top end dealer company. For a person with out any mechanical background it 's hard to learn most things, hands on in XXXX months. Am not in any situation right now to pay back the lone.from i graduate school i do n't do anything auto mechanic work, i do n't remember mostly nothing that I have learned. Am hardly can survive, credit shot, need help.
07/10/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MA 02145	Web
I'm receiving calls, 2-3 per day, by a schools collection department ; which, to this date, has never mailed me a 'Debt Validation Letter ' and is denying me my lawful right to dispute. Starting on XX/XX/2019, throughout the 8 hours prior of this XXXX-XXXX & indigent man contacting the CFPB ; I have received an average of 2- 3 telephone calls per day, attempting to collect money from me money I do not have and will never have ... ALLEGEDLY in the amount of $ 4,000+ for 12 classes. XXXX XXXX XXXX collection department has never identified themselves ; it was only until today, that they did identify themselves as the Schools debt collection agency. The only way I was actually able to FULLY identify the exact name myself was by running a reverse search on their ( various ) telephone numbers on XXXX. The filing of a lawsuit is currently under serious consideration, as legal counsel has been consulted ... as well as the authorities. In closing, I would also like to note that they have also called my rather ill, elderly mother, for that matter torturing her constantly beyond belief.
06/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32819	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX XXXX, has violated my rights. These are the accounts I demand removal Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) 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.
02/02/2022	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive notice of right to dispute	PA 19082	Web
LINCOLN TECH XXXX {$10000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
06/03/2022	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	MI 48214	Web
I attended Lincoln TechXXXXXXXX XXXX in XXXX and I only took out a {$1700.00} loan via XXXX and I did not receive a pell grant. In XXXX, I consolidated all of my loans, including the XXXX loan from Lincoln tech. 10 years later, a debt collector started to garnish my wages for that loan and claimed that I owe {$7000.00}. When I contacted Lincoln Tech for proof, the said they couldnt find my paperwork because its been so long and that my file was sent to XXXX XXXX. The judge was no help when I went to court. This year, I saw on the news that XXXX was apart of a settlement and loan borrowers would receive notice, but I didnt receive anything. It also states that I took out a pell grant for that school but that is not true. I would like to know what my next steps would be because I didnt receive a letter saying I was apart of the XXXX settlement. The school is fraudulent Igor along with their debt collector and I would like to know how to sue and why I wasnt apart of the settlement.
04/06/2022	Yes	Student loan Private student loan	Struggling to repay your loan Can't get other flexible options for repaying your loan	MD 210XX	Web
I was asked to leave campus because of a XXXX outbreak in my XXXX. During the height of the outbreak when laws were made surrounding how many XXXX to a XXXX. Lincoln Tech went against the laws and packed the XXXX to capacity. My XXXX received a XXXX XXXX result and the school advised everyone in the XXXX go home. The course is hands on so we were unable to take online classes. As a result I was advised to start the course over. The school placed the room and board portion of my XXXX loan on my credit as a charge off without any notice. I was not offered a deferment or forbearance. I will reached out for help from the XXXX XXXX XXXX XXXX and was advised they could not help as the school claims that the loan is from a third party but placed it on my credit as Lincoln tech. The school stated in the attached letter that I can return when I clear up my debt with the school and on the same document they say the debt is with a third party and not the school.
06/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CT 06514	Web
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX Account Number : XXXX This is not mine. 3. Identity Theft LINCOLN TECH Account Number : XXXX This is not mine. 4. Identity Theft LINCOLN TECH Account Number : XXXX This is not mine. 5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX/XXXX Date of inquiry : XX/XX/XXXX This is not mine. 7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 8. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine
02/21/2017	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Having problems with customer service	MA 01841	Web
Lincoln Tech promised me of getting a job after graduating in XXXX and it never happened. They did n't teach me the proper material and were very unprofessional and condescending. They left me with {$9000.00} in debt with student loans paying with interest on top of it. They did n't teach me the proper material to work in the XXXX field and rushed through most of the material in class we needed to learn for our XXXX field. Alot of students their didnt know the basic material by the time we graduated and alot of people dropped out of school while we were there. They put us in the worst internship environment that we could n't work at cause we did n't know the proper material to work there. Please have the courtesy of resolving this issue by waiving or reducing our student loans there for wasting our 2 years and tax payer money we gad to waste there
10/17/2018	Yes	Student loan Private student loan	Getting a loan Fraudulent loan	IN 46226	Web
XXXX my son was recruited to attend XXXX XXXX in XXXX. We were pressured into attending this school. A rep came to my home to talk to my son and I. When my son and I went to enroll him, I was told to sign a parent loan in order for him to attend school. The school was brand new. After my son attended for about 6 months, he decided to leave, it was not what he was told it was and he informed me that the teachers did not tech him anything and it was a waste of money. To this day am still paying back {$15000.00} dollars in a parent loan for 6 months of attendance. I was charged the full price as if he graduated. I try to talk to someone in the office and made several calls, No one assist me and stated I was stuck with the parent loan. I was misled along with my son and I need help. This has been damaging my credit for over 10 years or more
08/23/2020	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	CT 06451	Web
My Daughters private Student loan was paid off in full a year or so ago. There was a late XXXX payment possible 3 years ago. I asked all three bureaus to update my report to close my account as paid in full and satisfied. Well trying to better my credit and this sneaks back up on all my there reports stating I was 60 days past due. They keep reporting that monthly while my loan is now paid in full and closed. They need to remove that remark off my 3 credit bureaus as its looks like my parent student loan is still active as of this date and its still 60 days past due. There reporting this monthly and its hurting my credit score. They need to stop reporting my paid and closed account with a high rank I loan paid and satisfied only. Please look into this and have then straighten this out as they certainly must think I am still active.
11/16/2020	Yes	Debt collection Private student loan debt	Communication tactics You told them to stop contacting you, but they keep trying	PA 19120	Web
I received a telephone call from XXXX management the week of XXXX about a Lincoln Tech debt that is from 2012. I explained to the debt collector that I will not be paying the debt because it was an invalid debt then and it is still an invalid debt now. I also explained with the age of the debt there is no reason for me to resolve because I have more recent things on my credit that I need to clear up. I then explained that I wanted communication to cease and desist. The call ended. Yet they proceeded to place another phone call on XX/XX/XXXX with a voicemail left for me. The voicemail never stated the company name or that it was a call from a debt collector. When returning the call I realized it was the same company. They acknowledged that I advised not to call a week prior. I requested the recordings in which I was denied.
12/06/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	NY 127XX	Web
I was kicked out of the 11 month XXXX program at Lincoln Technical Institute after approximately 3 months because I was exceeded their XXXX consecutive absence policy. However, the reason I was absent was because I was in the hospital. I have the hospital record showing I was in the hospital during that time and I 'm also attaching a breakdown/explanation of tuition as well as the Lincoln Technical Catalog. I 'm currently taking them to court to settle the remaining tuition debt that they are trying to collect from me ( approximately {$7000.00} ) because I was kicked out of the program and was not allowed to complete their program. I feel like I should n't have to pay the amount because I was n't able to complete the 11 month program due to them kicking me out because I was in the hospital.
07/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 751XX	Web
Lincoln Technical Institute continues to report my payments as late although they are being paid prior to the 30 day delinquency period. They are reporting my payments for XX/XX/2020 and XX/XX/2020 as 30 days late when in fact they were not 30 days late! The payment date for both payments is the XXXX of each month however I was told by my account manager XXXX XXXX that if I pay prior to the last day of the month, no negative report will be made. I paid XXXX payment on XX/XX/XXXX and XXXX payment on XX/XX/XXXX both prior to 30 days after my due date. I called them and they advised me to dispute it. This is a disservice because they are reporting these payments as 30 days late and refusing to correct their error.
06/18/2019	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	NY 11422	Web
My son signed for a private student loan with Lincoln Technical Institute in the amount of {$9100.00} on XX/XX/2017. He is the sole person to sign the loan. He did not start to pay the poan on time and Lincoln Technical Institute reported this loan on my credit report and put me down as co-signer of the loan. I have all the documents that where signed and there is no co-signer to the loan. I called Lincoln Technical Institute to have this loan removed from my credit report and was told that i signed on the loan. I was told that she had the document and i asked for a copy. Weeks later i received the same document showing only my sons signature and no co-cosigner, my signature is not on the loan.
07/16/2017	Yes	Student loan Private student loan	Struggling to repay your loan Can't get other flexible options for repaying your loan	CT 061XX	Web
This company has called and they 've also written requesting that I pay the loan in full. I 've had situations in life arise where it left me in a financial ditch. Whenever a representative contacts me, I 've tried explaining that I ca n't pay the balance but I 'm willing to send in small payments at least by making some contribution towards decreasing this loan, but they 're never willing to make payment arrangements with me. Now it 's on my credit affecting my score and showing as delinquent when I did try to maintain a positive status with the company. It has gone to another debt collector. No luck with them and the representatives are very rude and unprofessional.
01/01/2021	Yes	Student loan Private student loan	Struggling to repay your loan Can't get other flexible options for repaying your loan	NJ 07024	Web
I have been making payments through out the entire pandemic. I am a single mom, working very hard to keep my child and I afloat in this difficult time. I missed two payments, because they are too high and the company refuses to unserstand/work with me. Lincoln Tech has been harassing me over the two missed payments, calling my JOB! as well as threatening me. Not only this but when I check my credit report it states that this account has been " charged off '' as bad debt and profit and loss write off. Meanwhile, I have been making payments the entire time. This is terrible and they need to be put in their place.
08/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27527	Web
The credit bureaus continue to allow Lincoln Tech to report a {$3600.00} collection account on my credit report, when the debt does not exist. I have contested the debt with Lincoln Tech and demanded documentation to show that I have any debt with their institution. Despite multiple requests, they have yet to provide any of the documents requested. Meanwhile, I continue to contest the debt with the credit bureaus, but they just keep verifying the debt to them. I sure would like to see what they're sending to the credit bureaus to verify this bogus debt, because they refuse to send me anything about it.
03/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 19146	Web
I checked my credit report and found my account with Lincoln Technical Institute was charged off as a bad debt, profit loss or write off. The account is listed as being closed and in collections as a charge off. I spoke wit a representative at Lincoln Technical Institute ( XXXX ) XXXX and in their system it shows the account as being up to date. Payments have been made monthly and on time since XX/XX/2011 as an automatic withdraw from my account. The representative could not find any information in their system that says I'm not in good standings with my account.
06/22/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 79925	Web	Servicemember
I enrolled at XXXX XXXX XXXX in XX/XX/XXXX, and didn't qualify for financial aid and had to apply for a private loan. I wasn't accepted into the school anymore and had to start making payments on the loan. I initially started making payments in XX/XX/XXXX while XXXX in XXXX and stopped due to financial problems. And then the harassments started. I spoke to financial counselor about the situation of XXXX XXXX calling me throughout the day, leaving voicemails, texting me, and threatening to sue me.
01/24/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Don't agree with fees charged	NJ 08075	Web
back when I was in high school 1987 I was inquiring about going to a XXXX school Lincoln tech and I signed up for the school however I never attended I follow their protocol and sent a letter stating I would not be attending in the fall I then get a bill in the mail from student aid for interest I refuse to pay the interest payment because I never attended XXXX class I never received XXXX book I never went XXXX day to that school and the government for over 30 years has been harassing me
01/29/2019	Yes	Student loan Private student loan	Credit monitoring or identity theft protection services Billing dispute for services	NV 89120	Web
Lincoln Tech has made a poor attempt to work with us on a payment plan with my sons student loan that I was a co signer on. A late payment was reported to the credit agencies even though We never recieved any statement bill showing payment due and money owed. I attempted to call to enroll in a one time forgiveness repayment plan and they were not accommodating at all. I would like an investigation to help restore my once perfect credit back!
01/02/2022	Yes	Student loan Private student loan	Dealing with your lender or servicer Don't agree with the fees charged	NJ 08003	Web
I have a received a bill for {$320.00} in 2021. When I graduated from Lincoln Tech they told me everything was taken care of until I received this bill. It hasnt even been one year and I was put in collections. I was even paying little just to not get put into collections. I dont understand how you can put a student loan in collections just for a few months and now it has hurt my credit score. I need this to be out of collections.
08/26/2022	Yes	Student loan Federal student loan servicing	Improper use of your report Credit inquiries on your report that you don't recognize	AL 365XX	Web
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 ar purpose.
07/25/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11758	Web
I sent a debt validation letter to Lincoln Technical Institute in response they ignored my requested and sent a settlement letter instead which I will attach. I have never had an agreement to alleged debt nor signed documents attach to alleged debt. I will attach the debt validation letter that I sent along with proof of it being sent via certified mail. I also will post an affidavit of truth sent so Lincoln on XX/XX/21
07/25/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11758	Web
I sent a debt validation letter to Lincoln Technical Institute in response they ignored my requested and sent a settlement letter instead which I will attach. I have never had an agreement to alleged debt nor signed documents attach to alleged debt. I will attach the debt validation letter that I sent along with proof of it being sent via certified mail. I also will post an affidavit of truth sent so Lincoln on XX/XX/21
06/16/2021	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	MD 20879	Web
I went to classed at Lincoln Tech Institute for 9 months and {$25000.00} in debt. to get a certificate of achievement as an A/C tech. which was a scam because as of today the XXXX of XX/XX/2021, I have not yet received my certification or any job placement as promised. I have been Struggling to pay back the loan and unable to get satisfaction from the Lincoln Tech Institute. Please advise me of what I can do.
12/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07083	Web	Servicemember
All 3 credit bureaus are reporting that i have a account with XXXX and i do not currently the have not verified that the account is mine and i have sent 3 letters and XXXX to them and sent a letter to XXXX XXXX but i have not received a sign document from them that i do owe them and the 3 bureaus and XXXX say that it is verified but have not provided me how they verified it or provided me with any documents
08/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60647	Web
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). LINCOLN TECH violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), and 15 usc 1681e ( b ).
10/13/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Trouble with how payments are handled	MA 01841	Web
Lincoln Tech told me I did n't have to start paying my Federal student loans from 6 months from the date of XXXX XXXX when I graduated and Im already being charged to pay my student loans than they told me. Can you please have the courtesy of resolving this issue by calling me and fulfilling your promise of not charging me my student loan until 6 months from graduation?
08/26/2018	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was paid	FL 33418	Web
Creditor Information : LINCOLN TECHNICAL IN is reporting on my credit profile what the credit has been removed once before the LINCOLN TECHNICAL IN does not own a location in FL and LINCOLN TECHNICAL IN has agreed to permanently removed the inaccurate credit reporting. I have attached the locations of the school locations furthermore proving validity.
05/06/2021	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 Investigation took more than 30 days	NC 275XX	Web
I have reviewed a copy of my credit report and I show company LINCOLN TECH account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
04/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 08054	Web
I co signed with primary borrower for a loan I have no access to the loan no sign on information has been provided no statements nothing has been given to me I used the primary signers information to sign in and the loan has been merged with another loan... .I NEVER AGREED to sign for this amount see attached letters and screen shots
01/28/2023	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	MA 013XX	Web
A loan was FRAUDENTLY put into my name that was NOT applied for. A personal student loan was never in the agreement. Company has NOT sent any statements, terms or anything to me. It has now EXTREMELY negatively affected my credit score. When spoken to they refuse to send information or give me online account access.
09/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 601XX	Web
I contacted this school several times to validate the remaining debt from this loan with collection agency. i also contacted the debt collector multiple times. my credit reports are reflecting that i paid 100 % of this debt in full, yet i'm being harassed to pay additional money which isnt accurate at all
08/27/2021	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11204	Web	Servicemember
The school has been paid through the VA and federal grant. They were penalized for issues on there end and the federal government took back the pell from them and now the school is threatening me. I also did not give them permission to run my credit but I was alerted today that they ran my credit.
01/17/2023	Yes	Student loan Private student loan	Incorrect information on your report Account status incorrect	MA 013XX	Web
I applied for a parent plus loan - I DID NOT apply for a student loan that is showing on my credit report. WE were not contacted for any such loan, sent any terms or payment statements. This was not authorized as such. School DID NOT contact us regarding any difference in original agreement.
03/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IN 46203	Web
Lincoln tech is reporting 4 missed payments and I'm paid in full. I was only late one time. I've called them and ask them to change the way they reported. They would not help me. Late XX/XX/2019 Paid in full XX/XX/2019 Still reporting opened and late 4 missed payments
12/29/2022	Yes	Student loan Private student loan	Struggling to repay your loan Problem lowering your monthly payments	MS 390XX	Web	Servicemember
I have been trying to contact my private lender since I have been in basic training, about getting my interest rate lowered to 6 % apart of the scra. I have had no luck with them to which they tell me they do not do that. The school is Lincoln tech in XXXX Tennessee
07/15/2023	Yes	Student loan Private student loan	Struggling to repay your loan Can't get other flexible options for repaying your loan	PA 19144	Web
My name is XXXX XXXX and use to go to XXXX XXXX and I cant repay the loan because I got sick and have mental illness I was diagnosed with XXXX and I been struggling to pay the loan ever since and I need the loan off my credit because it giving me bad credit reports
09/20/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	PA 19120	Web
Recently, Lincoln Tech started reporting a collection account on my credit report. Prior to the appearance of this account on my credit report, I did not receive a notice of my right to dispute. This is a violation of federal collection law.
08/07/2022	Yes	Student loan Private student loan	Dealing with your lender or servicer Trouble with how payments are being handled	PA 19124	Web
I was given a student loan for a XXXX school, In the loan it includes a XXXX XXXX voucher worth {$1200.00} I was never given this XXXX voucher because I did not attend class long enough. This school is still trying to get me to pay for it.
03/19/2023	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Problem lowering your monthly payments	MD 21234	Web
I was told at Lincoln XXXX XXXX technology in XXXX Colorado was one of the schools that was in a fraud case they need to expunge people students loan I dont know how true this is
07/09/2022	Yes	Student loan Private student loan	Dealing with your lender or servicer Don't agree with the fees charged	PA 19135	Web
I paid XXXX to Lincoln Technical Institute. To find out now that the charges are false. And were not accurate. I would like Lincoln technical institute to give me my money back.
10/15/2021	Yes	Debt collection Federal student loan debt	Communication tactics You told them to stop contacting you, but they keep trying	NY 11420	Web
They are violating my rights. Harassing me and caused emotional distress. I was given false information upon attending classes at their facility documents were done in fraud.
10/27/2019	Yes	Debt collection Private student loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	CT 061XX	Web	Servicemember
The XXXX XXXX company is charging me for a debt that was closed XX/XX/2015. I received paid in full from Lincoln and it showed up 2 years later
05/26/2017	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	NJ 07501	Web
I would like to set up a payment plan to pay off my loan of XXXX
02/02/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19124	Web

01/03/2024	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was result of identity theft	CT 06604	Web

12/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 39157	Web

12/04/2023	Yes	Student loan Private student loan	Issue where my lender is my school Cannot graduate, receive diploma, or get transcript due to money owed	CT 06606	Web

11/27/2023	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	LA 71251	Web

08/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07647	Web

07/14/2023	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07112	Web

06/30/2023	Yes	Student loan Private student loan	Incorrect information on your report Account information incorrect	MA 02301	Web

05/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IN 46229	Phone

02/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 08054	Web

01/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 07060	Web

09/24/2022	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 Was not notified of investigation status or results	VA 23229	Web

09/21/2022	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt	RI 02908	Web

08/21/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 08054	Web

04/28/2022	Yes	Student loan Private student loan	Incorrect information on your report Information belongs to someone else	CT 06095	Phone

04/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 08104	Web

02/24/2022	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	NJ 07111	Web

02/17/2022	Yes	Student loan Private student loan	Dealing with your lender or servicer Trouble with how payments are being handled	NJ 07304	Web

02/07/2022	Yes	Student loan Private student loan	Dealing with your lender or servicer Don't agree with the fees charged	PA 19135	Web

01/08/2022	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't temporarily delay making payments	MA 02720	Web

12/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 19015	Web

12/09/2021	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 Investigation took more than 30 days	IL 60644	Web

12/08/2021	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was paid	TN 37087	Web

11/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CT 06902	Web

11/09/2021	Yes	Student loan Private student loan	Incorrect information on your report Account information incorrect	NJ 08812	Web

11/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30281	Web

10/07/2021	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 Was not notified of investigation status or results	MD 20745	Web

07/27/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 08052	Web

06/30/2021	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	PA 19146	Web

06/29/2021	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	PA 19146	Web

06/10/2021	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	PA 19126	Web

05/27/2021	Yes	Student loan Federal student loan servicing	Improper use of your report Reporting company used your report improperly	IL 60644	Web

05/26/2021	Yes	Student loan Private student loan	Incorrect information on your report Public record information inaccurate	MD 21227	Web

05/19/2021	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	PA 19126	Web

05/19/2021	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 Investigation took more than 30 days	LA 71251	Web

05/06/2021	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	OH 44057	Web	Servicemember

04/19/2021	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 Investigation took more than 30 days	IL 60644	Web

02/20/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30316	Postal mail

04/13/2019	Yes	Student loan Private student loan	Dealing with your lender or servicer Don't agree with the fees charged	NV 89052	Web

04/05/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 07201	Referral

09/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07065	Fax

06/28/2018	Yes	Student loan Federal student loan servicing	Incorrect information on your report Account information incorrect	KY 42164	Web

04/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08618	Web

02/12/2018	Yes	Debt collection Private student loan debt	Communication tactics Frequent or repeated calls	TN 37206	Web

10/18/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	CT 06824	Web

08/02/2017	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt	NV 89183	Web

06/28/2017	Yes	Debt collection Private student loan debt	Threatened to contact someone or share information improperly Contacted your employer	MD 20837	Web

05/30/2017	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	FL 32771	Postal mail

05/11/2017	Yes	Student loan Private student loan	Dealing with your lender or servicer Need information about your loan balance or loan terms	TN 37076	Web

03/16/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Don't agree with fees charged	NY 12771	Postal mail

03/08/2017	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Not given enough info to verify debt	MA 01854	Web

01/21/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Don't agree with fees charged	NJ 08066	Web

01/19/2017	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	NC 28227	Web

10/11/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MD 21401	Web

10/10/2016	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt is not mine	NY 11423	Web

09/18/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	MA 01879	Web

09/09/2016	Yes	Student loan Non-federal student loan	Can't repay my loan Can't get flexible payment options	CT 06132	Web

07/26/2016	Yes	Student loan Non-federal student loan	Can't repay my loan Can't decrease my monthly payments	OH 45426	Web