New Hampshire Higher Education Loan Corporation CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
10/19/2021	Yes	Student loan Private student loan	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	OH 43227	Web
Dear Sir or Madam, 1. GRNTE XXXX XXXX Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in 90 days late in XX/XX/XXXX and 120 days late in XX/XX/XXXX and XX/XX/XXXX as well as 150 days late in XX/XX/XXXX. I immediately disputed this information with GRNTE XXXX XXXX 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 BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
01/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30117	Web
Good Day. Regardless of the name, and or title Granite State Management & Resources ( GSM & R ) would like to proceed under. The fact is, you all inquire about alleged debts and that inquiry is to indeed collect those alleged debts which makes you all Debt Collectors and if you are perceived as Debt Collectors you fall within the provisions of the ( FDCPA ) Fair Debt Collection Practices Act and Must abide those Laws because they govern you as debt collectors or even a Student Loan Servicer. On XX/XX/20 I previously demanded Validation of these alleged student loan debts according to 15 U.S. Code 1692g - Validation of debts. Granite State Management & Resources ( GSM & R ) responded on XX/XX/20. But the response did not contain Any documentation of requires validation of the alleged debt under 15 U.S. Code 1692g - Validation of debts. I the Consumer XXXX XXXX XXXX will ask once more for the validation of the alleged debts that Granite State Management & Resources ( GSM & R ) seems to be certain they can provide as it is Federal Law that you be able to provide validation for any alleged debt you inquiry from me a Consumer according to 15 U.S. Code 1692g - Validation of debts. A few credit Bureaus has updated my Consumer reports and they show that Granite State Management & Resources ( GSM & R ) has since XX/XX/20 adjusted my account to " on time '' payments that I have Not given Any Payment to at all into Good Standing. Which seems to be wrong because again I did not pay any amount of money to Granite State Management & Resources ( GSM & R ) and that would be lying nor have I received Any Validation or Verification of the Alleged debt I asked for on XX/XX/20 according to Federal Law 15 U.S. Code 1692g - Validation of debts. I am requesting Validation and Verification of the alleged debt in its entirety from Granite State Management & RES, and since you all are Student Loan Servicers, I also request in an Affidavit of Truth under the penalty of perjury that Granite State Management & Resources ( GSM & R ) Define Exactly what a Loan is under the Definition section in the FDCPA as it should certainly contain such a definition as you all are governed by these laws and are working as Student Loan Servicers. The validation of the alleged debt must follow in accordance with the provisions of 15 U.S. Code 1692g - Validation of debts. ( a ) NOTICE OF DEBT ; CONTENTS Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( c ) ADMISSION OF LIABILITY- The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. My request for Validation and Verification of the alleged debt should not only follow in accordance with 15 U.S. Code 1692g - Validation of debts. But also, under lawful definition of Verification. Which is the declaration under oath or upon the penalty of perjury. A response in an Affidavit of Truth under the penalty of perjury validating and verifying the alleged debt will suffice. If the definition of a Loan can not be defined under according to the FDCPA and the alleged debt Can not be validated and verified in accordance with 15 U.S. Code 1692g - Validation of debts, and in declaration under oath or upon the penalty of perjury in an Affidavit of Truth. I Demand Deletion, Removal, and the alleged debt to show a balance of {$0.00}. I also want confirmation that the alleged debt shows a balance of {$0.00} as it would be proven that the alleged debt is indeed unvalidated, unverified, inaccurate, and incorrect. These are indeed violations to my consumer rights and could be compensated for under 15 U.S. Code 1692k - Civil liability. A fair resolution would be just to confirm the alleged debt to show a balance of {$0.00}.
12/14/2020	Yes	Student loan Federal student loan servicing	Improper use of your report Reporting company used your report improperly	GA 30117	Web
Dear Office Executive. My name is XXXX XXXX, and I have received multiple letters in the mail and phone calls from companies such as yourselves wanting to collect an alleged debt. I am confused about what appears to be the same alleged debt coming from multiple sources. In regard to what seems to be a Student Loan. In order to narrow my confusion, I am requesting Validation and Verification of the alleged debt in its entirety from Granite State Management & RES. The validation of the alleged debt must follow in accordance with the provisions of 15 U.S. Code 1692g - Validation of debts ( a ) NOTICE OF DEBT ; CONTENTS Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( c ) ADMISSION OF LIABILITY- The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. I have not given Granite State Management RES any written instruction to obtain nor furnish Any of my personal information. Which reflects the invading of my right to privacy in which 15 U.S. Code 1681 - Congressional findings and statement of purpose declares that I have as a consumer. Granite Management RES has not received Any written instruction to obtain nor furnish any of my personal information. In which Granite Management RES must have that written permission according to 15 U.S.C 1681b - Permissible purposes of consumer reports. My request for Validation and Verification of the alleged debt should not only follow in accordance with 15 U.S. Code 1692g - Validation of debts. But also, under lawful definition of Verification. Which is the declaration under oath or upon the penalty of perjury. A response in an Affidavit of Truth under the penalty of perjury validating and verifying the alleged debt will suffice. If the alleged debt Can not be validated and verified in accordance with 15 U.S. Code 1692g - Validation of debts, and in declaration under oath or upon the penalty of perjury in an Affidavit of Truth. I Demand Deletion, Removal, and the alleged debt to show a balance of {$0.00}. I also want confirmation that the alleged debt shows a balance of {$0.00} as it would be proven that the alleged debt is indeed unvalidated, unverified, inaccurate, and incorrect. These are indeed violations to my consumer rights and could be compensated for under 15 U.S. Code 1692k - Civil liability. A fair resolution would be just to confirm the alleged debt to show a balance of {$0.00}.
11/05/2020	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	OR 97401	Web
I have been incorrectly charged {$490.00} of student loan origination fees, and after more than 2 months or repeated phone calls and emails the charge has not been corrected. On XX/XX/2020, I received disbursements of two loans. The first was a direct unsubsidized loan in the amount of {$19000.00}. The second was a direct XXXX XXXX loan in the amount of {$6800.00}. My loan servicer for these loans is Granite State Management and Resources. The master promissory notes for both these loans provided for the cancellation of each loan and associated fees if the amount received in the disbursement was returned within 120 days. Pursuant to the 120-day provision, on XX/XX/2020, I made a payment of {$25000.00}. I made the payment by calling the GSMR customer service phone number, and requesting that the 120 day provision be applied. I specified that in my account {$18000.00} should be applied to Group A loan 3, and {$6600.00} should be applied to Group B loan 2. The customer service representative and I determined that the {$25000.00} payment reflected the full {$25000.00} balance of the loans minus {$490.00} of loan origination fees that would be canceled pursuant to the 120-day provision. Although my account reflected the payment, the origination fees were never canceled on my account. The payment was incorrectly applied as a full payment of the {$6600.00} from Group B loan 2, and a partial payment on Group A loan 3 that left a {$490.00} balance. That remaining {$490.00} balance reflects origination fees from both loans that should have been canceled but were not. I have contacted GSMR customer service over phone approximately 10 times in the last two months with no resolution of this problem. Approximately 8 of these calls have been to a representative named XXXX ( extension # XXXX XXXX, who claims she has repeatedly tried to resolve my problem by working with other GSMR personnel with no success. In a call with XXXX on XX/XX/2020, XXXX said her manager XXXX said I should send an email describing the problem to the GSMR customer service email, and that I should expect the incorrect loan balance to be resolved in 3-5 business days. That same day, I sent the following email to XXXX : Hello, My GSMR account number is [ redacted ]. I made a payment of {$25000.00} on XX/XX/2020. Per the 120 day loan cancellation rule, I am requesting that you reapply my payment to fully pay off the principal of my Group A loan 3 loan, and my Group B loan 2 loan. Of the {$25000.00} payment I already made, {$18000.00} should be applied to Group A loan 3, and {$6600.00} should be applied to Group B loan 2. This will result in the full payment of the principal and the cancellation of the {$490.00} in origination fees that were accessed on the disbursement of those two loans. If you need any additional information from me, please let me know. Thank you, [ Signature redacted ] On XX/XX/2020 ( 8 business after my email ), I called XXXX again, who confirmed that the email had been received, that she had checked my email to confirm it had the necessary information, and that the request was being processed by the appropriate GSMR personnel. She said my account would likely be updated by XXXX XXXX. I informed her that if my incorrect loan balance was not fixed within the next week, I would send this complaint to the Consumer Financial Protection Bureau. Today is XXXX XXXX, and I am now submitting this complaint in the hope it will finally result in my problem being resolved.
11/19/2022	Yes	Student loan Private student loan	Dealing with your lender or servicer Trouble with how payments are being handled	NH 038XX	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX who was bought out by XXXX XXXX XXXX was charged with engaging in widespread misconduct that violated state consumer protection laws and/or made widespread substantial misrepresentations about its educational programs, both of which are grounds for borrower defense to repayment under the borrower defense regulations ( 34 C.F.R. 685.206 and/or 685.222 ). The below message was just received by me on the XXXX and Granite State Management are telling me they don't abide by the same laws and regulations of the federal government. The College was charged with fraud that violated consumer protection states laws that I should be protected by. If they ( The College ) didn't make such widespread accusations I would of never took out the private loans to attend to the college. ___________________________________________________________ XX/XX/XXXX Dear XXXX XXXX : Subject : Student Loan Discharge Based on Borrower Defense Evidence The Department of Education ( " Department '' ) has determined that the loan ( XXXX ) you received to attend a school owned and operated by XXXX XXXX XXXX from XX/XX/XXXX through its closure in XX/XX/XXXX are eligible for full loan discharge. This means the remaining balance on the loan ( s ) will be forgiven. You do not have to make any more payments on the loan ( s ). Your loan ( s ) will be discharged as part of a Department action ( " Group Discharge '' ) to discharge all outstanding loans for attendance at XXXX XXXX XXXX that first began from XX/XX/XXXX through closure in XX/XX/XXXX after finding that it engaged in widespread misconduct that violated state consumer protection laws and/or made widespread substantial misrepresentations about its educational programs, both of which are grounds for borrower defense to repayment under the borrower defense regulations ( 34 C.F.R. 685.206 and/or 685.222 ). The Department is discharging your loans without requiring you to file an application because of the pervasive and widespread nature of the school 's conduct. You also may receive a refund for prior payments made to the Department on your discharged loan ( s ) related to XXXX XXXX XXXX. Your servicer will let you know if you are eligible for a payment refund, which would be mailed to you. Please check your online account with your loan servicer to ensure your address is correct so you can receive any refund. Otherwise, you do not have to take any further action to receive your discharge. Your credit report will also be updated to reflect this discharge when it is complete. If you do not wish to accept this discharge, please contact your servicer within 30 days of receiving this letter. It will take the Department some time to process your discharge. Until the Department completes its work, your eligible loan ( XXXX ) from XXXX XXXX XXXX will remain paused in forbearance/stopped collections, and we will not ask you to resume making payments. If your loan ( s ) are in default, we will not attempt to collect on the loan ( s ) being discharged. If you have other loans not covered by this group discharge, you will enter repayment and/or collections when the national pause on student loan repayment and collections ends. If you have questions about this notice, please call our borrower defense hotline at XXXX from XXXX XXXX on XXXX or from XXXX XXXX on Saturday or Sunday. Sincerely, XXXX XXXX XXXX Operating Officer Federal Student Aid
03/23/2022	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	NH 030XX	Web	Servicemember
My student loans were held with Granite State Management and Resources in the State of NH. In XXXX of XXXX I had corresponded via email ( I have the emails ) regarding my loans that were about to go into default. I was unaware that had been the case as I'd been going through a very difficult divorce in all of XXXX and into XXXX as well. My understanding was my loans were at that point placed into forbearance and I didn't hear from GSMR again after that. In XXXX the pandemic hit and these loans qualified under the Pandemic relief or Pandemic forbearance. Again, i heard nothing from GSMR during all of XXXX and most of XXXX. In XXXX of XXXX, suddenly my credit report took a hit and when I looked at the details, i noticed a company called " XXXX '' had listed my loans in collection. I thought, that can't be right and proceeded to spend from early XXXX to present calling back and forth between GSMR and XXXX to understand why loans that are under the Pandemic forbearance had suddenly been placed into collection in XXXX of XXXX. I made it clear that I knew my loans qualified, even though most of the phone calls with GSMR they tried to state they didn't qualify. I let XXXX know that they legally couldn't place my loans in collection and had to remove them and to which they told me that they weren't a collection agency, even though when you call them, they have a script they read about the call is recorded and is for debt purposes. I'm literally trying to have these loans removed from collection and delinquency on my credit reports and to have Trellis NOT violate the XXXX loan moratorium and place my loans back in the forbearance that they are supposed to be in per President Biden. I'm at the end of my rope here and ready, but not wanting to call a lawyer. It's affecting my credit and so is thinking that my loans were in forbearance according to GSMR back in XXXX, but it doesn't sound like they ever placed them in forbearance. I need a lot of help to get these loans rightfully placed in the pandemic forbearance that they should be in and my credit score to improve as a result. I filed disputes with XXXX. XXXX and with XXXX and explained all of this as well and XXXX and GSMR are not complying with those credit bureaus. I contacted the NH XXXX 's office which recommended hiring a lawyer. Should i have to pay a lawyer to get my student loans in their rightful place per a federal student loan moratorium? This is utterly unfair.
11/02/2022	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	PA 190XX	Web
We co-signed a loan agreement for our daughter for the XXXX school year for approximately XXXX with the New Hampshire higher education loan corporation XXXX The initial loan disclosure notice as well as the final loan disclosure notice clearly set forth that we selected the interest only payment option which reduced our loan rate from XXXX XXXX XXXX XXXX % with payment to begin as of XX/XX/22 for {$190.00} a month and if we set up auto deduct, it would reduce our interest rate further to XXXX XXXX. We are unable to set up the auto deduct and currently facing a higher interest rate of XXXX XXXX and not the bargained for XXXX XXXX because the lender will not make the auto deduct option available until the loan is fully disbursed. By the time this happens we will incur significant interest payments as the interest compounds on the loan. In response, lender has acknowledged that the financial disclosure form as well as he loan terms document are incorrect but that they are not going to honor the original terms. All they advise is that they are planning to fix the disclosure form moving forward but that does not help consumers like us that signed up per the original loan documents. They violated the truth in lending disclosure act by not honoring the terms and not making it clear that loan payments would not restart until full disbursement. The XXXX XXXX XXXX was specifically designed to prevent this type of bait and switch from occurring by ensuring that key loan terms are clearly laid out in simple plain XXXX. We are not seeking anything different from what was included in our financial disclosure form and that the loan servicer and originator honor the original commitment. The company has acknowledged that the form is incorrect and confusing, yet refuse to honor the agreement. As a result of the clear bait and switch, we along with other hard working families will be on the hook for significant interest payments that will compound with the principal and put us in more debt.
01/24/2022	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	NH 032XX	Web
In XX/XX/XXXX contacted Granite State Management spoke with XXXX a service agent due to an error on my part was calling to fix payment schedule. We were able to adjust using the Covid19 payment relief available. While looking at my loans She mentioned consolidating my loans as I had two or three that were not part of my already consolidated balance. She mentioned something about consolidating will make my loans eligible for the possible relief programs that was being discussed by the government. What was not mentioned was that if I consolidate my loans all of the Income Base payments I have made over these years will reset to zero! I am waiting for the data to show how many years into the IBR repayments I am on my loans I don't have the exact number. I've been trying to pay my loans for 21 years. Based on Studentaid.gov website my loan servicer is suppose to track my qualifying monthly payments and years of repayment and notify me when I am getting close to the point when I could qualify for forgiveness 20 years or 25 years of any remaining loan balance. I may still be a few years away from this but I was NOT told I would loose my payment history if I consolidated. I was not able to to stop the consolidation with XXXX XXXX, I called on XX/XX/XXXX and spoke with XXXX a supervisor in the loan disbursement area ; and they were not able to stop the consolidation. Which means my loan payment count starts over at 0. At XXXX XXXX XXXX I've lost what little momentum I had. There was no warning from the loan servicers or from the Studentaid.gov that I would loose all payment history on my loans when I consolidated my loans. Also I do not understand why my loan balance has not gone down under the IBR plan. In the 22 years I have been with Granite State Management. I have been making payments but have not seen any movement in my loan balances. I don't understand how the government can set us up for failure in repaying these loans. Please help. XXXX XXXX
06/23/2022	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	SC 29621	Web
In XXXX, my husband and I consolidated our student loans, otherwise known as spousal consolidation. At that time our combined loan balance was {$110000.00} with an 8 % interest rate. Today, despite paying a total of {$130000.00}, our balance is {$220000.00} and growing. Although we both have the required amount of payments as educators, we are excluded from the Public Servant Loan Forgiveness program, because of the spousal consolidation. Additionally, our balance continues to grow because of outrageous capitalized interest rules under the income based repayment plan which is intended to support borrowers with manageable payments. When we are in our XXXXs and set to retire, that inflated balance driven up by predatory interest will become taxable income under the XXXX plan. At that time we will have likely paid our loans back twice over, but the balance will be close to {$300000.00}. In no other industry would it be ethical to collect five times what was borrowed. We have spoken to our loan servicer many times and have been encouraged over the phone and via written communication to apply for PSLF, however we continue to not qualify because our loans are in spousal consolidation. We have attempted to convert them to a direct loan, but that is impossible under the law. In XXXX we were led to believe that we were being financially responsible by consolidating our loans, but it has turned out to be a discriminatory and predatory step that was allowed by the government for a short time. Spousal consolidations were ended in XXXX with no way to detangle and with no inclusion for loan forgiveness options offered to others.
11/01/2021	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	WA 98103	Web
Granite State Management and Resources spontaneously stopped processing electronic payments for approximately a 4 mo period between XXXX XXXX and XXXX XXXX ( after 13+ years of not missing a payment ). They then spontaneously started working again. During this timeperiod I made multiple attempts to pay my loans ( above the minimum payment, an adjustment that started the issue ), received confirmation that the payments when through ( there were sufficient funds during this timeperiod ) and then 10-15 days later they failed to process them, didn't communicate directly with me ( as they had when they worked ). They used 3 different electronic communication methods during this time, one of which was a secured notice via an email notification that expired and was deleted from the history page on line within 4 days of being sent. GSMR failed to respond to my queries and then reported my account to the credit agencies as 90 days late. This came in as a duplicated delinquency as it was a consolidated loan, noting here there was no way to separately pay these accounts through GSMR. GSMR has been unwilling to address the issue and customer service has led to the same individual who is incredulous and rejected my request for review before receiving any of the supportive information where I had detailed this issue chronologically. If you had similar issues during this timeperiod please report it to your state attorney general and on this forum. Prior to this issue I had a perfect payment history and a credit score in the mid 800s.
07/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11413	Web
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
08/26/2022	Yes	Student loan Private student loan	Struggling to repay your loan Problem lowering your monthly payments	OH 435XX	Web
From XXXX I have struggled and struggled with this company. Used to be granite state- they constantly were telling me on the phone to put loan into forbearance and said interest wouldnt matter. I listened and did as directed. That interest sure crept up after every forbearance ended and another one started. I struggled making payments. customer service was only about forbearance. I had to consolidate since granite wasnt going to be a company much longer from word of mouth. Now I have huge monthly payment, cant afford it. Would of saved me thousands if granite wouldnt of kept pressing forbearance. Than I was told by XXXX via phone call my loan is considered into the XXXX settlement. Called them months later and they acted like they new nothing. They had me call Ohio attorney general who than redirected me to another company. Im struggling mother here and I feel so betrayed and taken full advantage off by granite state loans. Interest sky high, to forbearance periods to income driven repayments to late payments. No one at that place were on the same page.
10/01/2020	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 Their investigation did not fix an error on your report	MA 02301	Web
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't Navient student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
09/28/2020	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 Their investigation did not fix an error on your report	MA 02301	Web
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
07/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78641	Web
I sent a dispute straight to Granite ( XXXX XXXX XXXX ) about late payments they were reporting on XXXX. I sent multiple disputes to the bureaus XXXX, XX/XX/21. I can not get a response from Granite via mail. i can not access their online account. i get notice that they sent me an account message that says they will complete my dispute within 24 hours then nothing. Everytime i send over a dispute, they update the information instead of deleting and they have had more than 10 errors in the reporting. I made payments for the months it shows late. They have late payments showing all 3 bureaus at different times. They show in balance history payment being made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX but then reported i was 120 days late in XX/XX/XXXX with XXXX and XXXX and 180 days late at that point with XXXX.
02/25/2021	Yes	Student loan Private student loan	Dealing with your lender or servicer Problem with customer service	CA 95209	Web
I had 4 private loans from lenders ( XXXX and XXXX ) serviced via XXXX company and I started my residency training in XX/XX/2020 and I submitted my residency verification documents in XX/XX/2020, however they kept denying my residency verification and default my loans in forbearance and keep default my loans into debt collection with delay payment fees and increased my loan interested rate. I kept trying to call them to resolve this issue and every time I received a reassurance that it will be fixed but they never have it resolved. In turned they kept asking me to submit an updated residency verification and more documents while I try my best to do it in time manner. This process delay for months while I still pay them monthly payment of minimal {$100.00} per month for each account. Please help!
02/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78727	Web
This company violated my consumer rights and heavily impacted my credit score on XXXX, XXXX and XXXX by sending them to collections and on my credit accounts it states that it was opened on XX/XX/XXXX and two others on XX/XX/XXXX ; I have no knowledge of this and want this removed due to fraudulence. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " It states an entity, company, person and etc. are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts an entity, company, person and etc. post on a credit report. '' And due to Grnte Dir Ln also known as XXXX/XXXX XXXX XXXX not being able to verify the account numerous of times nor provide any type of proof I would like this removed.
10/14/2021	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	PA 150XX	Web
I graduated from XXXX XXXX University in XX/XX/2018 with my XXXX XXXX. Upon graduation and after the grace period, loans become due of course. Many of my loans were thru XXXX XXXX. I could not afford {$300.00} payments each month on multiple loans and called into the loan servicer. I was advised to consolidate and was walked thru the application until submission. I work in XXXX XXXX ( XXXX ) and have been making all payments towards XXXX. I am now being told XXXX XXXX gave me a private loan that is not a direct consolidation and none of my payments will count towards anything. I had called and sought relief and help. I was ill advised and want know what options are available to me so I am not stuck in this debt I had no clue would be ineligible for the rest of my life.
01/12/2021	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	NH 032XX	Web
After working in a qualifying school for 5 years, I applied for student loan forgiveness last XXXX. Granite State Management and Resources is denying full loan forgiveness of {$17000.00} stating that I XXXX in " an XXXX XXXX '' and will only approve {$5000.00} of loan forgiveness. Two of my coworkers received the full loan forgiveness amount. We XXXX in the same subject in the same XXXX XXXX building, they simply had different lenders. GSM & R should not be able to interpret the loan forgiveness program differently and deny me while others in the same situation are being given full forgiveness. Following the denial I contacted the ombudsman group, XXXX, NH DOE and the Banking Division of NH with no resolution.
11/08/2021	Yes	Student loan Federal student loan servicing	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 94533	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and correct it from my personal credit file. Thank you. GRNTE XXXX XXXX XXXX Balance Owed : {$3600.00} ; GRNTE XXXX XXXX XXXX Balance Owed : {$6600.00} ; GRNTE XXXX XXXX XXXX Balance Owed : {$3800.00} ; GRNTE XXXX XXXX XXXX Balance Owed : {$5200.00} ;
08/07/2020	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	OR 97471	Web	Servicemember
A couple of months ago XXXX informed me of a new debt. I saw there were two debts from a company called : XXXX XXXX XXXX for a total of {$4700.00}. I immediately filed a dispute since they debts are not mine. Unfortunately, the dispute came back from XXXX as accurate information. This urges me to begin considering that this is criminal activity. I do not have these debts. I tried calling the company, but there is only a message that says, " Goodbye ''. The number listed on XXXX XXXX contact form is XXXX. I'm convinced this is criminal activity. It's some strange deferred payment loan which I've never had.
08/28/2020	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 Their investigation did not fix an error on your report	MA 02301	Web
How are you doing? Can you please help me? During this Covid-19 I been reviewing my credit report, and I was shocked when I reviewed my credit report and found late payment on the dates below XX/XX/2020 for 90 days late. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
11/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 704XX	Web
XXXX XXXX I sent an affidavit to federal student aid via fax successfully sent. I also contact Granite State Management to cease and desist all communication but received a text message stating that my payments restart afterXX/XX/XXXX. According to congressional terms promissory note is defined as an instrument that evidence a promise to pay a monetary obligation does not evidence an order to pay and does not contain an acknowledgment by a bank that the bank has received for deposit a sum of money or funds. This is clearly stating that no money is owed under an consumer credit transaction.
07/22/2021	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	CA 92108	Web
In mid XXXX I had completed the last of 9+ {$270.00} to my collection agency of which GSMR had converted my account too. After completing this rehabilitation goal and paperwork the collection agency continued to draw payments when I subsequently cancelled. GSMR / XXXX is supposed to take the account back but to date XXXX late XXXX XXXX they have not done so. Recent news headlines give an idea as to why. This is after years of harassment from the company non-stop phone calls and physical mail. Also inconsistent credit hits when payments have been made. This company is fraudulent.
01/19/2021	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	IL 60626	Web
I consolidated all of my student loans in 2002, both XXXX and XXXX. I now have two very large loans and they have been in Income-based repayment for years now. My issue is that these loans were placed in deferment status for 11 years. Because of this, these years don't count toward the 25 years of payments in my repayment program. I know that loans should not be in deferment for longer than 3 years. So, I need to know if the status can be changed from deferment to another classification.
11/16/2021	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	CA 94114	Web
On XX/XX/XXXX, I made a {$10000.00} payment to Granite State Management, my student loan servicer. The next day, my loan servicer changed to XXXX. The {$10000.00} payment was pending and I called Granite State to confirm that it could take 2 weeks for the balance to update. Now, 2 weeks later, I have access to my XXXX account but the {$10000.00} has never appeared. It is missing from my bank account. It is no longer on my GSMR payments history. My money has seemingly disappeared.
08/21/2020	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	AZ XXXXX	Web	Servicemember
My life has been a total disaster especially since XX/XX/XXXX and the arrival of covid-19. I have not been employed as a XXXX XXXX XXXX or any other employment since XXXX '. Taking care of myself and significant other ... we barely keep a roof over our heads and maybe food on the table? I/we need forgiveness of this student loan. the stress and anxiety are overwhelming to say the least. Please Help. Sincerely, XXXX XXXX XXXX XXXX XXXX
09/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 11229	Web
My credit report shows that I have a {$13000.00} student loan through Granite State Management-Dir that do not belong to me. I have file disputes with XXXX XXXX and XXXX through XXXX XXXX and both agencies responses claim it belongs to me. I have never filed for a student loan in the past and now that I intend to start school and may need a loan, this false loan with Granite State Management-Dir is hindering my advancement.
12/28/2020	Yes	Student loan Private student loan	Getting a loan Fraudulent loan	CA 91206	Web
I am a victim of identity theft and Granite State MGMT is unrightfully reporting a fraudulent account on my file. I have no idea what loan this is. I have also sent them my FTC and the company is refusing to remove this fraud account from my credit files. Nor I or anyone with my permission has opened this account therefore this is account is fraud. This account must be removed from my file due to identity theft.
08/28/2020	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 Their investigation did not fix an error on your report	CA 90660	Web
I have opened student loans in the past 3 years and they were being reported accurately to the credit bureaus until recently. I noticed that many years of successful payment history has been deleted. The most recent payment history is only dating back six months. The credit bureaus refuse to update this inaccurate information which leaves gaps in my credit history. I want this resolved immediately.
04/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 37013	Web
According to the federal law 15 USC 1605 ( a ) a finance charge is a " sum of all charges '' payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. So there should have no late payments in my credit report so there should have no late payments in my credit report.
12/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75232	Web
I have student loans and tuition fees being charged to my credit from XXXX XXXX XXXX college and I have never attended the establishment. There is a man on my credit report by the name of XXXX XXXX and I do not know who he is and he is using my social security number. XXXX XXXX and granite state many. Please remove these as they are not mine.
08/11/2020	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 Their investigation did not fix an error on your report	FL 33626	Web
I have a loan with XXXX XXXXXXXX, GRANITE STATE MANAGE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX, GRANITE STATE MANAGE with no successful resolution. There was definitely an error on their part.
06/16/2020	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 Their investigation did not fix an error on your report	MA 02301	Web
Hi, please help me with my concern. I saw XXXX XXXX XXXX on my credit report and I have late payments ( XX/XX/2019 and XX/XX/2019 ) in my payment history, but they did not send any proof to me ... I repeatedly asked for it because I don't remember being late on this. Please help me.
04/25/2022	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	MA 014XX	Web
Granite State Resources and Management XXXXXXXX XXXX XXXXXXXX XXXX Early, mid, and end of early XXXX. For yrs as a single mother in section 8 I was given the only option of going into forbearance yr after yr. There was no other option of Income Driven repayment plans offered.
04/20/2022	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 Their investigation did not fix an error on your report	CT 06002	Web	Servicemember
Granite State Management ( loans XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) updated XX/XX/XXXX was in deferment from XX/XX/XXXX to XX/XX/XXXX ( reported incorrectly as delinquent and sent to collections. See attached letter
09/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75044	Web
The company inaccurately reported delinquencies in XXXX, XXXX, XXXX, XXXX of 2017 while I was under Forbearance. Requested forbearance with customer service representative. They also report account as previously 180 days late which is incorrect.
11/18/2020	Yes	Student loan Federal student loan servicing	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web
I see multiple 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
07/29/2020	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 Their investigation did not fix an error on your report	MA 02301	Web
I see multiple 30-90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
07/28/2020	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 Their investigation did not fix an error on your report	MA 02301	Web
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
10/13/2021	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	NJ 07666	Web
I have had interest capitalized that I do not think I should have owed being on the REPAYE plan. I think this was mishandled and no one over the phone has been able to accurately explain why I had over XXXX capitalized since 2014.
06/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 19403	Web
Granite State Management incorrectly reported late payment on my account from XX/XX/XXXX - XX/XX/XXXX. They will not remove it despite my attempts to file a dispute with the credit bureaus.
08/18/2020	Yes	Student loan Federal student loan servicing	Incorrect information on your report Account status incorrect	NJ 08096	Web
don't ever use granite state management promised if I consolidated my debt they'd remove my late payments from my credit report and have not done so
11/17/2020	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19134	Web
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.
06/29/2020	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 Their investigation did not fix an error on your report	MA 02301	Web
I was shocked when I reviewed my credit report and found late payment on different month from 3 bureaus. XXXX XXXX XXXX
07/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	OH 442XX	Web
A student load was opened in my name fraudulently, I have never even applied for a student loan.
01/03/2023	Yes	Student loan Private student loan	Struggling to repay your loan Can't temporarily delay making payments	MA 02745	Web Referral

07/12/2022	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 Their investigation did not fix an error on your report	FL 33231	Web	Servicemember

04/08/2022	Yes	Student loan Federal student loan servicing	Incorrect information on your report Old information reappears or never goes away	OH 43220	Web

01/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	KY 40422	Web

10/23/2021	Yes	Student loan Private student loan	Incorrect information on your report Account status incorrect	GA 31220	Web

10/21/2021	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76014	Web

10/12/2021	Yes	Student loan Federal student loan servicing	Incorrect information on your report Account information incorrect	NJ 07753	Web

09/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27606	Web

08/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 91605	Web

08/20/2021	Yes	Student loan Federal student loan servicing	Incorrect information on your report Account status incorrect	FL 33131	Web	Servicemember

08/03/2021	Yes	Student loan Federal student loan servicing	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33131	Web	Servicemember

07/25/2021	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	TX 77494	Web

07/23/2021	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	NY 11210	Web

06/28/2021	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	NY 11210	Web

06/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23505	Web

06/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27606	Web

05/28/2021	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	NY 12866	Web	Older American

05/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23505	Web

04/07/2021	Yes	Student loan Private student loan	Dealing with your lender or servicer Trouble with how payments are being handled	NH 03748	Web

03/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 45013	Web	Servicemember

02/02/2021	Yes	Student loan Federal student loan servicing	Incorrect information on your report Account information incorrect	FL 33131	Web

01/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02302	Web

01/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02302	Web

12/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 07726	Referral

12/02/2020	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	NH 03109	Web

11/19/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	NY 11226	Fax

11/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 07726	Fax

11/14/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NJ 07010	Web

10/06/2020	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	ID 83204	Web

09/14/2020	Yes	Student loan Private student loan	Credit monitoring or identity theft protection services Billing dispute for services	PA 19134	Web

09/06/2020	Yes	Student loan Private student loan	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75044	Web

08/18/2020	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Problem lowering your monthly payments	MD 21228	Web