Oklahoma Student Loan Authority CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
09/04/2020	Yes	Student loan Federal student loan servicing	Incorrect information on your report Account information incorrect	IL 60629	Web	Servicemember
I am writing to file a complaint and request an investigation into the circumstances that resulted in the continued incorrect reporting of my student loans under the Oklahoma Student Loan Authority ( OSLA ) from XXXX XX/XX/XXXX XX/XX/XXXX. I applied and was approved for student loan forgiveness under the XXXX XXXX XXXX XXXX Student Loan Discharge Program on XXXX XX/XX/XXXX to forgive a debt balance of a little over $ XXXX. According to XXXX, who processed my student loan discharge application, OSLA was notified that 13 of my student loans were approved for discharge on XXXX XX/XX/XXXX. Between On XXXX XXXX XX/XX/XXXX, I contacted OSLA to check the status of them updating my student loans accounts with the 3 major credit reporting agencies ( CRAs ), XXXX, XXXX and XXXX to reflect the new discharge status. I explained that I was preparing to apply for a mortgage loan and wanted to ensure that my credit reports reflected as paid in full and the lower debt-to-income ratio. Each time I called, OSLA repeatedly stated that they had not yet received the required information or payment from XXXX ( OSLA customer service reps told me something different ) to discharge the loans, despite XXXX also confirming each time that they had met all requirements. Finally, on XXXX XXXX XXXX, I spoke with an OSLA representative who stated the 13 student loans had been discharged, the balance on each loan was now XXXX and that OSLA would be reporting this XXXX balance to the 3 credit reporting agencies ( CRAs ) within the next few days. On that same day, to confirm the balances, I checked my OSLA student loan account online and XXXX balances were reflected for each of the student loans. I began the process of preparing to apply for a mortgage loan. On XXXX XX/XX/XXXX, I received alerts from all 3 CRAs showing several changes to my credit reports and that my credit scores had plummeted. Upon investigation, I saw that instead of reporting XXXX balances for the loans to the CRAs, OSLA had reported a balance increase for each of the 13 loans, which were now reporting higher amounts than what I actually owed. My student loan debt had now increased to over $ XXXX. In addition, two loans that had been paid off and reporting as XXXX since XXXX, now suddenly reflected a balance due, which caused them to now report as being in default, although I had never been late on these accounts. I immediately contacted OSLA for an explanation. After speaking to several representatives, I received a mixed bag of explanations, with the last being from the supervisor XXXX XXXX, who explained that in order to prepare refunds owed to be for amounts that Id already paid toward the balance of the loans, amounts to be refunded to were re-added to my balance. This resulted in the erroneous reporting. She also stated that the representative that I was spoke with on XXXX XX/XX/XXXX was incorrect and that my loans had not yet been discharged. This was confusing, since my online accounts were showing a XXXX balance. Whatever the case, I explained that regardless of inhouse account processes, the only balances that should have been reported were my balances as they were prior to XXXX XX/XX/XXXX or a XXXX balance after XXXX XX/XX/XXXX, if the accounts were indeed discharged as told me on that date. XXXX XXXX began the process of trying to resolve the issue and provided me with a memo detailing the errors and anticipated corrections to provide to my mortgage company. Although, the balances in the memo still reflected the increased amounts, not my actual debt amount. As required by law, I also submitted a dispute with XXXX CRA. Between XXXX XX/XX/XXXX there were a series of updates to my loans with the CRAs, eventually resulting in the loan balances reflecting correctly as XXXX balance, closed, paid in full, with no defaults. However, on XXXX XX/XX/XXXX, I again received alerts for the CRAs stating that there were again changes to my student loans. Upon investigation, I saw that 8-9 ( depending on the CRA ) of the student loans were again reporting with a balance due, to include one account again reporting as in default. My credit score plummeted AGAIN. On XXXX XX/XX/XXXX, I contacted the CRAs and each stated that the balances are as reported per OSLA last updates, dated XX/XX/XXXX/XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. I then contacted OSLA. During my conversation with an OSLA, I was first told that the balances reported to the CRAs, as alerted on XXXX XX/XX/XXXX, had been reported in response to the disputes that I filed in early XXXX relating to the initial error in reporting on XXXX XXXX. While I understood that OSLA was required to respond to the disputes, I questioned why OSLA responded with incorrect information. The representative first explained that they had to report my last balance. If this were the case, then a XXXX balance, closed and paid as agreed should have been reported for all 13 accounts, as that was what was accurate and last reported. I also questioned why only some accounts were affected, if this was simply a case or reporting prior information. The representative could not provide a clear explanation and by the end of the conversation the representative began denying that OSLA had reported any updates to the CRAs at all since XXXX XX/XX/XXXX. The OSLA rep insisted that this was a CRA error, not an OSLA error, and directed me to contact the CRAs for assistance. I again contacted the CRAs and they made very clear that they only report information provided by the furnisher. I continued trying to get this sorted out with OSLA and they simply said that they would send an update, but provided no explanation as what happened. Between XXXX XX/XX/XXXX XX/XX/XXXX, some of the loan accounts were corrected, however, two are still reflecting a balance. Ive spoken to OSLA representatives 3 more times since XXXX XX/XX/XXXX, still with no clear explanation as to what happened or why some of my accounts are still reporting inaccurately. As of today, XXXX XX/XX/XXXX, I spoke with XXXX XXXX again, who stated that the credit department reps told her that the error in reporting may have been caused by someone failing to pay attention something when they responded to the CRA disputes and that the credit reps were reviewing my account and would be joining our call to further explain the reporting errors. The credit reps never joined our call. Instead, Mrs XXXX apologized, stated that the credit reps would work to resolve the issue and that she would provide me with another memo confirming that my account was discharged on XXXX XX/XX/XXXX and paid in full to fax to the CRAs. The call ended with no further explanation as to the continued reporting errors. The balance on my student loan accounts is currently reporting as {$22000.00}, although I owe {$0.00}. Regardless of OSLA permanent correction of these errors, these careless errors have destroyed my credit and ability to secure a mortgage loan. It impossible for me to regain the credit score points lost or anticipated points that I may have gained upon repayment of my student loans. Nor, do any gains matter when the errors in reporting continue. Further, there is still the question of, if my account was discharged on XXXX XX/XX/XXXX, why did the account continue to report with balances in through XXXX? None of it makes sense. Due to this continued irretrievable damage to my credit standing, it is important that an investigation into this matter be initiated. I have attached letters received from OSLA and a Word document reflecting the two accounts still reporting incorrectly as of today, XXXX XX/XX/XXXX. Your assistance in this matter is greatly appreciated.
07/04/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 35216	Web
I am a young XXXX in my last few months of training. I have a lot of student loan debt from undergrad and graduate school that has been collecting interest for the past 6 years ( under mandatory service-based forbearance during XXXX XXXX/XXXX per this form from the federal direct loan/FFELP- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) while I completed a XXXX XXXX in XXXX and a second XXXX/XXXX in XXXX XXXX. I will graduate later this year and start a job in Arkansas as one of only 2 XXXX XXXX in that state. My husband and I are attempting to qualify for a home loan but there is incorrect information on my credit report regarding my student loans. I have emailed the lender 4 times, sent several faxed letters and called several times but no one at the lender can help me ( and the person in the department who might be able to help me is never available ) and no one from OSLA returns my calls or emails. Here is the initial letter I sent via email and fax to my lender last month : Oklahoma Student Loan Authority ( OSLA ) has incorrectly reported to credit bureaus that my loans were over 90 days delinquent during a time in which my loans were in deferment/forbearance. All of my student loans have been in deferment/forbearance while I am completing my XXXX education and training. I have been a XXXX XXXX XXXX ( at XXXX institutions consecutively- XXXX, XXXX and XXXX ) from XX/XX/XXXX, until the present time and will remain in full time student/resident status until XX/XX/XXXX. My accounts were incorrectly reported as being over 90 days delinquent in XX/XX/XXXX. I have included a letter from my institution stating that I have been enrolled as a XXXX XXXX XXXX in a residency training program at XXXX for the dates in question. I have XXXX loans with OSLA that were reported incorrectly during XX/XX/XXXX. These are the corresponding loan numbers reported to credit bureaus : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, My OSLA account number is XXXX. I am in the process of trying to get approval for a mortgage in order to purchase a home in the city where I will be starting my new job in Arkansas in XXXX. It is very important that this is taken care of as quickly as possible so my credit reports can be updated. Please send a letter to all XXXX major credit bureaus asking them to correct this reporting. Please also email me a copy of the letter once you have sent it so I can give it to my loan officer. I sincerely appreciate your assistance in this matter. Please let me know what additional information you need from me in order to correct this on my credit report. I am also faxing a copy of this letter and the attached documents to OSLA fax : XXXX XXXX and XXXX.Thank you! *Please see attached document " signed letter for loans '' to verify XXXX XXXX XXXX in XXXX training After I did not receive a response to this request despite sending it to multiple fax numbers and email addresses for OSLA, I contacted the OSLA customer service line again. The person I spoke with there said that she was unable to do anything to help me and I would need to call back later in the week to speak to someone in another department that was not currently available. So I collected more information from the OSLA website ( a copy of the information on the OSLA website is included in the attachments as " XXXX OSLA packet '' ). I then sent that information along with this email to OSLA : I spoke with a customer service person with OSLA today and I would like to submit this additional information to help resolve this. On XX/XX/XXXX, I completed my initial XXXX training in XXXX XXXX at XXXX. At that time, since I had completed that training, I understood that my forbearance on my student loans had ended. The following day, XX/XX/XXXX, I began the second part of my XXXX training in XXXX at XXXX. Believing that my student loans were no longer in forebearance I submitted a forbearance request to OSLA on XX/XX/XXXX. I maintained a copy of the signed request. As it clearly states on the form, the forbearance request is valid for 12 months. I assumed this was correct and did not submit another forbearance request until early in XXXX. At that time I believed I was well before the deadline by which OSLA would need a new request since I had submitted a verified request only a few months earlier in XX/XX/XXXX. I was informed today by the customer service rep at OSLA that it is likely that request sent in XX/XX/XXXX was never processed as it was " too early ''. I was never aware of this. Over the past 3 years I have religiously submitted forbearance request documents to OSLA at least twice per year ( and maintained copies of those documents along with forms showing the faxed forms were sent successfully ) and according to the information available to me on your website, my loans were in forbearance from XX/XX/XXXX to XX/XX/XXXX and years prior to that and since that time as well. I have included a packet of information ( attached to this email ) that is solely obtained from the OSLA website. The first page lists loan numbers and amounts. You will notice the only loans with a balance are loans number XXXX. The following 6 pages ( pages 2-7 ) are the individual loan information for each of those XXXX loans, including the loan numbers which are XXXX, corresponding with the loan numbers on page 1. On pages 8 and 9 of that attached packet with information obtained directly from the OSLA website, those XXXX loans are all listed as being in forbearance from XX/XX/XXXX-XX/XX/XXXX. There is no mention of any dates during XXXX that the loan was in repayment. If the loans were in forbearance at that time- which according to the OSLA website they all were- then there 's no way I could be reported to credit bureaus as being late or delinquent on payments. The information on your own website shows that the reporting to the credit bureaus was a mistake. I will finally start repayment on my loans later this year and will continue to be a good customer to OSLA for years to come if you will please make this right and report the error to the credit bureaus. However, if this mistake is not corrected promptly, I will have no choice but to file reports with the credit bureaus to dispute the inaccuracies as well as reporting to the Better Business Bureau and the government agencies that oversee student loan lenders. I would really like to avoid taking this any further. Please contact me with any questions. Thank you XXXX XXXX XXXXXXXXXXXX I would really appreciate help from you at the consumer financial protection bureau in helping me to get this resolved quickly. We are scheduled to close on our house XX/XX/XXXX, and will need to have verification of the requested changes to my credit report by at least XX/XX/XXXX. I have dedicated my life, my time and my money ( over $ 300K in student loans ) to caring for sick children in a rural state with limited access to care. Please do n't let one mistake by a lender cost me the opportunity to own a home of my own now that I am completing my training.
03/10/2023	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	NY 10458	Web
I would like to report this institution to XXXX XXXX XXXX XXXX for investigation i may be the only person standing up but it's better to stand alone than no tall I am confident that XXXX XXXX XXXX XXXX will take appropriate action to address my concerns, and I hope that this will encourage others to also speak out against injustice. It appears that I do not have any rights as an XXXX with a XXXX. As such, I have no legal recourse to ensure my rights are being respected. I have already reached out to the college for support, but my requests have gone unanswered. This lack of response and action has made me realize that I have to be the one to stand up for my rights and the rights of those who may be too scared or unable to speak for themselves. For the purpose of obtaining a better and more effective education, I randomly browsed schools in order to see what offers they had, and XXXX constantly urged me to enroll there, they were catchy in the concept of applying without having to pay an applicant fee. XXXX was attractive to me because of its reputation for providing a high-quality education, and the fact that I could apply without an additional fee was a major bonus. I was particularly drawn to the school 's emphasis on providing students with a wide range of resources and opportunities to help them succeed. During my quest for a better life, I lived in a shelter when I was pressured into signing a loan agreement. Despite knowing that I was homeless, the school did not offer classes on financial literacy in order to assist me in understanding the implications of taking out a loan. Their actions showed a blatant disregard for my wellbeing, highlighting their callous and inhumane approach. In response to my request for my high school diploma, I explained that I had obtained my education in XXXX and had recently moved to the United States. The school office was unable to provide a copy of my diploma because they did not have records from my school in XXXX. They suggested that I contact the XXXX XXXX XXXX in XXXX to get a copy. I then contacted the XXXX and was able to obtain a copy of my diploma. Additionally, I was required to submit proof of my educational equivalency to the U.S. educational system to ensure I was eligible for attendance at the school. However, they didn't wait until those documents were received and started me on the course immediately. For example, they allowed me to start the course while I was still in the process of receiving my transcripts from my home country. I was initially promised a computer but was unable to obtain one for the start of my studies. It is understandable that the school would want me to start the course as soon as possible. However, I was not able to get the necessary materials for the course, which put me at a disadvantage. I think the school should have waited until I had everything I needed before starting the course. In lieu of submitting any formal documentation, I opted to withdraw verbally from the course during the second to third week of the semester I believe the school should have been more understanding of my situation and allowed me more time to get the materials I needed. This would have ensured a fairer start to the course for me and allowed me to contribute to the course on an equal footing with the other students. The certification that I received from XXXX has not been accepted in the United States due to the fact that I have not met the prerequisites for acceptance. In the United States, certification requirements for a particular field must be met in order for the certification to be accepted. This includes specific courses, exams and experience requirements. Since I have not met these requirements, the certification is not valid in the US. At the end of the semester, I was contacted by the institution regarding the renewal of my financial aid. At that point, I informed the representative that I had withdrawn from the program in the second to third week for the reasons outlined above. The representative acknowledged my withdrawal and stated they would be reversing the charges for the semester. I was relieved to hear this, as it meant I could put the matter behind me and focus on the future. My credit report immediately reflected a bill of {$1600.00} for student loans for a reason that was unclear to me. I have called the school multiple times and have been there a number of times, but this issue can not be resolved. They are sending it to financial aid, who then send me to student loans. I am disputing the charge with the credit bureau. It may be necessary for the school to file a complaint with the Consumer Financial Protection Bureau if the issue can not be resolved.
07/13/2023	Yes	Student loan Private student loan	Dealing with your lender or servicer Don't agree with the fees charged	NY 10458	Web
I would like to report this institution to XXXX XXXX XXXX XXXX for investigation i may be the only person standing up but it's better to stand alone than no tall I am confident that XXXX XXXX XXXX XXXX will take appropriate action to address my concerns, and I hope that this will encourage others to also speak out against injustice. It appears that I do not have any rights as an XXXX with a XXXX. As such, I have no legal recourse to ensure my rights are being respected. I have already reached out to the college for support, but my requests have gone unanswered. This lack of response and action has made me realize that I have to be the one to stand up for my rights and the rights of those who may be too scared or unable to speak for themselves. For the purpose of obtaining a better and more effective education, I randomly browsed schools in order to see what offers they had, and XXXX constantly urged me to enroll there, they were catchy in the concept of applying without having to pay an applicant fee. XXXX was attractive to me because of its reputation for providing a high-quality education, and the fact that I could apply without an additional fee was a major bonus. I was particularly drawn to the school 's emphasis on providing students with a wide range of resources and opportunities to help them succeed. During my quest for a better life, I lived in a shelter when I was pressured into signing a loan agreement. Despite knowing that I was homeless, the school did not offer classes on financial literacy in order to assist me in understanding the implications of taking out a loan. Their actions showed a blatant disregard for my wellbeing, highlighting their callous and inhumane approach. In response to my request for my high school diploma, I explained that I had obtained my education in XXXX and had recently moved to the United States. The school office was unable to provide a copy of my diploma because they did not have records from my school in XXXX. They suggested that I contact the XXXX XXXX XXXX in XXXX to get a copy. I then contacted the XXXX and was able to obtain a copy of my diploma. Additionally, I was required to submit proof of my educational equivalency to the U.S. educational system to ensure I was eligible for attendance at the school. However, they didn't wait until those documents were received and started me on the course immediately. For example, they allowed me to start the course while I was still in the process of receiving my transcripts from my home country. I was initially promised a computer but was unable to obtain one for the start of my studies. It is understandable that the school would want me to start the course as soon as possible. However, I was not able to get the necessary materials for the course, which put me at a disadvantage. I think the school should have waited until I had everything I needed before starting the course. In lieu of submitting any formal documentation, I opted to withdraw verbally from the course during the second to third week of the semester I believe the school should have been more understanding of my situation and allowed me more time to get the materials I needed. This would have ensured a fairer start to the course for me and allowed me to contribute to the course on an equal footing with the other students. The certification that I received from XXXX has not been accepted in the United States due to the fact that I have not met the prerequisites for acceptance. In the United States, certification requirements for a particular field must be met in order for the certification to be accepted. This includes specific courses, exams and experience requirements. Since I have not met these requirements, the certification is not valid in the US. At the end of the semester, I was contacted by the institution regarding the renewal of my financial aid. At that point, I informed the representative that I had withdrawn from the program in the second to third week for the reasons outlined above. The representative acknowledged my withdrawal and stated they would be reversing the charges for the semester. I was relieved to hear this, as it meant I could put the matter behind me and focus on the future. My credit report immediately reflected a bill of {$1600.00} for student loans for a reason that was unclear to me. I have called the school multiple times and have been there a number of times, but this issue can not be resolved. They are sending it to financial aid, who then send me to student loans. I am disputing the charge with the credit bureau. It may be necessary for the school to file a complaint with the Consumer Financial Protection Bureau if the issue can not be resolved.
12/13/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	GA 30296	Web
This letter is in reference to a seven-year ongoing student loan issue with the Oklahoma Student Loan Authority and XXXX XXXX University. During my duration as a student at XXXX XXXX University issued a series of student loans in my behalf for education purposes. At the time of enrollment and prior to attending I notified the register and financial aid department that I was a XXXX dependent through Title 1 and my parent was a recipient of Social Security. After being accepted and allowed to study during mid semester there was an issue with financial aid. I was presented and offered student loans based on the fact that I was an out of state student and my parent was on fixable income based on XXXX. During my time at the school I was forced to withdraw per recommendation from the XXXX XXXX University Staff administrative decision while on winter break after I was denied a Family Loan total in over XXXX. No counseling was involved in applying for this particular loan. I was only approved for two FFELP loans. Due diligence was not following upon my withdrawal I was not given prior 30 day notice nor did I secure my items from my door room. A letter was sent out to me the week of winter break XX/XX/XXXX. That letter disclosed that school and federal debt would be discharged due to my lack of ability to repay or afford the debt owed to the school and federal debt taken to secure for education purposes for the course of two semesters. I only completed one full semester. XXXX Letter is attached as Exhibit 1. This issue concerning the federal debt reoccurred in XXXX based on late notice given by OSLA therefore I provided the letter that was sent from the administration office at XXXX XXXX University. No additional actions were taken and no correspondences were received from OSLA or XXXX. In XXXX, a letter was sent to my employer for wage garnishment for loans taken from OSLA. Prior to that date I did not receive any correspondences from OSLA from the initial complain in XXXX. Violation That Occurred ( 1 ) Deception and Misleading Information : a. I was ultimately mislead and deceived by XXXX XXXX University and Oklahoma Student Loan Authority about this discharged debts. After being given a letter from the administration at XXXX the letter stated that all debts would be discharged ( school and federal ) based on my inability to pay. ( 2 ) Predator Lending a. My inability of payment was a known fact by the XXXX administration and student loan department based on my enrollment factors and verbal notification. It was predatory loan on behalf of XXXX XXXX XXXX and OSLA. Whereas the Oklahoma Student Loan Authority was notified by XXXX that I was an XXXX XXXX displaced student with XXXX income. Based on an email received from OSLA XXXX XXXX Senior Regulatory Compliance Specialist. The loan that I was given was specifically designed for this : The approval of student loans is, by design, not based on a students income or credit record ( or lack thereof ). Student loans were created so that persons from disadvantaged backgrounds, who might not be otherwise be considered creditworthy, could obtain the funds necessary to pay for education Email is attached as Exhibit 2 ( 3 ) Lack of Education Given about to loan XXXX and notification of borrowers rights a. XXXX and OSLA forwarded a document that indicated that loan counseling was administered. That document stated that it was a profile created by XXXX. The document is not signed or initialed by myself. Only stamped without signature of receipt. See attachment Exhibit 3. ( 4 ) XXXX did not inform the OSLA of their withdrawal decision until XXXX. ( 5 ) The OSLA Loan history is incorrect no letters were mailed in efforts to notify me ( 6 ) Wages were garnished for a loan that should have been discharged According to the correspondences received OSLA and XXXX offered me a predatory loan that has following me over 11 years and in act of retaliation refused to communicate, resolve, and discharge the matter as promised by their letter. The default has been on my credit report, which has resulted in XXXX and equal opportunity for housing, employment and education. OSLA and XXXX understand the effects of how important federal debts and their lasting effects. Ive attempted to resolve this issue for 10 years to date.
01/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA XXXXX	Web
Summary : OSLA ruined my credit starting on XX/XX/XXXX, when it reported false, in fact entirely manufactured, credit information to my credit reports. When I called and discussed it with them, they initially lied. Full Synopsis : On XX/XX/XXXX, I learned through credit monitoring that OSLA was suddenly reporting open accounts with balances to my reports. In XXXX, my accounts had been transferred by the XXXX department of education to another servicer, XXXX, so this reporting was simply impossible. Nevertheless, OSLA did it, causing my score to drop because both XXXX and OSLA are now reporting the same loans ( thereby doubling the amount of reported debt ). I telephoned and was told by the representative that OSLA did not report this false information. This was an intentional misrepresentation. The OSLA representative lied. So, I wrote an email and provided screen shots from XXXX. OSLA replied by email to advise that an update/correction would be processed. Nothing happened, and XXXX advised me to file a dispute, which I did on XX/XX/XXXX. On XX/XX/XXXX, I learned from XXXX that OSLA had " verified '' the information as accurate. So, I again contacted OSLA by telephone and email. I also resubmitted the credit disputes. On XX/XX/XXXX, XXXX advised me that the reports were once again " verified '' and even worse, OSLA had now added a " collection '' status for XX/XX/XXXX. My XXXX XXXX immediately collapsed. In sum, my XXXX XXXX dropped XXXX points. THE ACCCOUNT WAS NEVER IN COLLECTIONS and NEVER LATE. Indeed, a collection status is impossible because the student loan pause was in effect before, during and after XX/XX/XXXX. Nevertheless, this entirely fabricated entry is clearly displaying. I yet again spoke to OSLA, including a XXXX named XXXX, who said OSLA did not do this. Once again, this was an intentionally misrepresentation. A lie. She also referred me to federal loan default, which was totally wrong and a waste of my time... this information is coming from OSLA, the furnisher, not the Department of Education ... why would the XXXX re-direct me to another organization ( initially I thought she was referring me to an internal department ). I again emailed and in response OSLA then ADMITTED that they were in fact furnishing information to credit reporting that is false but that it would take up to 60 days to correct. This is not acceptable. They ruined my credit in XXXX day and other creditors may take adverse action against me because of this false data. All furnishers can also correct knowingly false information through rapid correction ( manual ) processes effective in a few hours. It does not require 60 days. OSLA has acted willfully, or at least with reckless disregard in knowingly reporting false information to the credit bureaus, ruining my credit. There are statutory damages available under FCRA and California law. Since my last contact, OSLA has also stopped responding and provided no further follow-up. Is OSLA also reporting false information on other former borrowers?
01/21/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	MD 20772	Web
To Whom It May Concern : On or about XX/XX/XXXX, I received notice that the school I was currently attending, The XXXX XXXX XXXX XXXX, filed Bankruptcy, Chapter XXXX. Monday, XX/XX/XXXX I received my bankruptcy letter in the mail. Wednesday, XX/XX/XXXX at the end of my XXXX class my teacher informed my class that there is a letter that can be signed by us students saying we were told all of our options ( I didnt receive a letter that day ). Monday, XX/XX/XXXX at XXXX XXXX I emailed XXXX XXXX who was the head of the XXXX XXXX department, about setting up a meeting for Wednesday, XX/XX/XXXX at XXXX XXXX to discuss the school closure and student options. XXXX XXXX responded on XX/XX/XXXX at XXXX XXXX to confirm the meeting for Wednesday the XXXX at XXXX XXXX Wednesday, XX/XX/XXXX I had a meeting with XXXX XXXX. In the meeting, I was informed of different ways to handle the school shut down and going over credits that I would have to transfer. I also received the student options paper that my XXXX teacher mentioned at the end of class ( the paper was not signed ). The Loan discharge was not a topic we talked about during the meeting. Wednesday, XX/XX/XXXX was the first day I noticed that the school started to liquidate. I went to attend the school computer lab, the doors were locked and the computers were getting packed up. Wednesday, XX/XX/XXXX. XXXX department and other departments of the school were being liquidated. The school was giving away XXXX uniforms and other XXXX. Tuesday, XX/XX/XXXX was supposedly the last day of full my full XXXX XXXX XXXX class. My teacher XXXX XXXX notified the class to let us know to just come back on Wednesday, XX/XX/XXXX at XXXX XXXX to take our hour-long final. The classes were originally supposed to last until XX/XX/XXXX and the school officially closed at the end of XXXX. My original plan was to graduate from the XXXX XXXX XXXX XXXX XXXX with a XXXX XXXX XXXX because of the school 's convenient location from home and its XXXX XXXX XXXX XXXX XXXX XXXX opportunity. After getting the news, I realized that my current registration status would not allow me to complete a degree before the XXXX XXXX XXXX XXXX closed its doors permanently on Saturday, XX/XX/XXXX. I have attached the required application for a loan discharge along with the Chapter XXXX bankruptcy letter that I received in the mail. I have also attached the option letter that was offered to me in XX/XX/XXXX. None of the option were reasonable or affordable for my residential status. I was unable to complete the full program because of the schools closure and all of my hard earned student credits are not transferable. Unlawfully, the XXXX XXXX XXXX XXXX, XXXX Virginia continued to receive my federal student loan payments after filing for bankruptcy.
10/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IN 47130	Web
What follows is an email and letter sent to the Oklahoma Student Loan Authority ( OSLA ) on XX/XX/19. I have previous asked OSLA to remove the delinquency from my credit report and was told that they would not do so. This is a clear violation of Section 623 ( a ) ( 2 ) because they updated my account into a forbearance status for the months I was previously delinquent. They did this to bring my account current. While the original report of delinquency was correct, 623 ( a ) ( 2 ) requires OSLA to update the credit report by removing the negative report and showing the payments as current. They have refused to do so. Pursuant to section 623 ( a ) ( 2 ) of the Fair Credit Report Act ( hereby, FCRA ), you are in violation of failing to correct and update information. It is the responsibility of OSLA to not only report non-payment to credit bureaus but also to update original reports with new information. My accounts have been updated by OSLA with a retroactive forbearance to bring my account current ( this has been confirmed via a recorded phone call at XXXX on XX/XX/19 ). A courtesy I greatly appreciate. However, OSLA has not reported the update to the credit bureaus as my loans being in current instead of delinquency. This is a FCRA violation. Furthermore, precedent has been set by the Federal Trade Commision ( FTC ) to substantiate my claim of legal violation. XXXX, of the Department of Education, inquired of the FTC as to if furnishers are required to update credit reports to remove delinquent and defaulted loans from an individuals credit report. The advisory opinion received is clear ; furnishers are indeed required to immediately update the credit reports. Please read : This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. ( Emphasis added ). https : XXXX To be clear, OSLA does have a legal responsibility to accurately report payments as paid or not paid. It also, however, has the legal responsibility to update the reports as new information is available. My formerly delinquent loans have been given a forbearance in the months in which they were delinquent. Therefore, the negative report sent to the credit bureaus must be updated to show the accounts as current, not delinquent, for all of the 2019 year. This letter is being sent to OSLA via email and standard postal service. CFPB is also receiving a formal complaint to ensure accountability and expedited service. Please correct my credit report immediately. Account affected : XXXX Loans affected : ********* ******* ******* ******* ******* ********* Thank you,
12/22/2022	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	CA 91401	Web
I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The XXXX Credit Bureau are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, 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 items from my 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 creditor. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below are the accounts with erroneous information and Id like remedied ASAP. XXXX XXXXOSLA XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00}, XXXX XXXXOSLA XXXX XXXX Opened : XX/XX/XXXX Balance : {$2900.00} XXXX XXXXOSLA XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00},
11/04/2022	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	CA 91401	Web
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, 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 update the items from my 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 creditor. DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} DPT ED/XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}
04/07/2021	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	WI 53406	Web
I have contacted this creditor multiple times I have filed numerous disputes against this bill the company gave me an unclear explanation. That is not a verifiable reason to keep this collection on my account I am a consumer I have not been instructed by the DOE anything and I have asked for proof of this information being reported to my credit report I have the right to request original contract and documentation from this company and they must produce it I shouldnt have to be penalized or put on hold because the department of education isnt giving them any documentation they have to produce original agreement and verify this debt no matter what if I request that is my right as a consumer in other words they are basically saying we dont have any information on this bill therefore should not be verifying this debt at all. Not only that but they have multiple accounts showing on my credit for the same bill the law is they cant have multiple accounts for the same bill reporting to my credit so I am getting twice the negative remarks that I dont even deserve in the first place this is not right or constitutional. How can u respond we arent allowed to release information about a collection and then still verify the bill. Thats a due process concern and its total violation of my right I have the right to request any documentation needed to verify this collection thats reporting in my name if you arent allowed to release information then its not verifiable. You cant strip me of my rights to dispute this bill just because some other agency told you not to release information my rights as a consumer dont stop because you cant present the necessary documentation to validate this bill I am going to seek legal action and compensation for this unconditional act from the osla XXXX and the credit bureaus who are lying about this bill being verified how can you possibly verify information that your saying you cant release and how do I even owe some company In Oklahoma and I never been to Oklahoma a day in my life it makes no sense what so ever this is wrong and shady practices to con people and you stripping me of my right to have 100 % verified information reporting to my credit report
04/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 272XX	Web
During XX/XX/2019 I discovered that some of my friends were illegally obtaining specs to my devices and use mobile device management XXXX XXXX XXXX and XXXX software on my phones and devices. This allowed these persons to obtain credit, fraudulently sign for student loans, and launder money through my bank account from other schools I have not attended ( including XXXX XXXX. They used those loans for person purchases including purchases for their kids, trips, vacations, and divorce lawyers. Despite ample evidence and the hiring of a PI, I have no been able to get assistance outside of those I talk to on the phone. My banking institution I was with XXXX does not return emails or voicemails. The one police report I obtained, does not offer any information outside that I have reported identity theft. Also, fraud departments are not calling me back ( though this may be due to COVID ). However, I am sitting at about XXXX of student loans that have been absorbed by my ex friends, and XXXX XXXX of fraudulent student debt with no resolve in sight of obtaining those funds back. I understand that my ex friends are influential, which is how they were able to put my phones and laptops on their company plans illegally, however I am not going to be liable for their Chick-fil-a runs in other cities all day. The school loans fraudulently obtained occurred while I was attended XXXX University beginning in the year XXXX. My loans are now almost maxed out. Also, I am aware that my name and address were changed fraudulently across all of my accounts, which is how I discovered SOME of them. Their address at XXXX XXXX XXXX. XXXX XXXX XXXX nc is listed fraudulently on my credit report. The XXXX XXXX picture I'm attaching is ONE piece of evidence. I called XXXX - the ONLY way they would have been able to put my phone on XXXX is that someone in XXXX XXXXr XXXX XXXX gave them specs to my device. I obtained a new XXXX XXXX XXXX XX/XX/2019, with a new XXXX, new number, and new email and XXXX XXXX - XXXX XXXX began showing on the phone. There is a ticket ID in XXXX for the craziness I have experienced # XXXX.
09/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20603	Web
Good afternoon. My name is XXXX XXXX and I have a twin named XXXX XXXX. Over the past 7 years since we have started working we have had a problem with our credit scores. The credit reporting agencies continues to label us as ONE person when its obvious that we are TWO people. We have disputed many of the wrongful accounts through XXXX XXXX XXXX, and XXXX. Once it has been submitted the dispute will be taken care of initially. After about a couple of months the same encounter that was disputed comes back again. We are trying our best to get this issue corrected but seems as though we continue to get thrown back into the loop whole of a problem. Please help us to find any solution to correct this problem seeing as though credit scores are your lively hood. As well as play a huge role in your advancement through life. Department of Education Loan/ OSLA : {$15000.00} Opened XX/XX/XXXX Department of Education Loan/OSLA : {$12000.00} Opened XX/XX/XXXX XXXX XXXX Loan XXXX {$20000.00} Opened XX/XX/XXXX Contacted XXXX XXXX and spoke to a representative and was told that the loan had the wrong social security number but the correct school and student name. Was advised to upload my social security number to them to prove that the loan is indeed not correct person. Contacted FASFA to ensure what the correct loans for XXXX XXXX. According to FASFA the only loans attached to XXXX XXXX is from XXXX XXXX XXXX which is correct. The only schools that XXXX XXXX has attended were XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, and now currently the XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX attended the XXXX XXXX and obtained a XXXX XXXX XXXX. She currently attends XXXX XXXX. All of the mix up has caused a huge issue within the household financially, and emotionally. I XXXX XXXX has tried to apply to many lines of credit and have got denied due to the debt to income ration being entirely too high.
01/20/2020	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	FL 33414	Web
On XX/XX/XXXX I sent the student loan payment for certified mail. I noticed that OSLA the student loan administrator didn't make cash the check. Also I received calls on XX/XX/XXXX at XXXX XXXX ( phone XXXX XXXX XXXX XXXX ) asking me to subscribe to automatic loan payment. also OSLA sent it to me two emails on XX/XX/XXXX asking about same questions and let me know I didn't the payment. Tired of that situation on XX/XX/XXXX, I sent to OSLA and email requesting to cash the checking that I can proved was sent it for certified mail, ALSO REQUESTED THAT THEY STOP THE HARRASMENT AGIST ME AND STOP TO PUSHING ME TO DO STUDENT LOAN AUTOMATIC PAYMENTS AND ALSO, REQUESTEM THEM RESPECT MY RIGHTS. Concerned with that situation I sent it again for certified mail on XX/XX/XXXX my student loan payment of XX/XX/XXXX, Again in XX/XX/XXXX I noticed that the check was not cashed again for OSLA. Inmediately the same day I sen it to OSLA a new email requesting to make cash the payment and STOP THE HARRASMENT AGAINST ME. To prevent problems with next payment of XX/XX/XXXX, I sent it again for certified mail the student loan payment with one month of anticipation. OSLA ANSWER MY EMAIL OF XX/XX/XXXX IN A VERY NOT RESPECTFUL WAY : they left message in my box mail ON XX/XX/XXXX, from phone number XXXX XXXX XXXX XXXX at XXXX XXXX ( inappropriate hour to do that call too ), asking again for a payment that I did in XX/XX/XXXX. In addition OSLA sent it me four emails the on XX/XX/XXXX and XXXX requesting me to do a payment that I did in XX/XX/XXXX for certified mail. I am concerned about OSLA RETALIATION, they are not helping me and are affecting intentionally my credit, credit scores and credit in general. I REALLY NEEDS YOUT URGENT HELP, OSLA BEHAVE LIKE I DON'T HAVE RIGHTS.
05/01/2020	Yes	Student loan Private student loan	Improper use of your report Received unsolicited financial product or insurance offers after opting out	TX 77064	Web
I enrolled at XXXX XXXX XXXX and went through the financial aid department to receive funding to attend their school I started school in late XXXX and it ended up until XX/XX/XXXX I then ended up getting XXXX XXXX XXXX XXXX XXXX XXXX XXXX when I was released I then found that I was in debt on my credit report when I called and asked why I was told that I selected the option that if I stopped going to school return the money to the lender and have me pay for it well I have never been through the whole financial aid process or receiving loans and applying for loans so I wasn't aware of what was going on also I don't understand why I was put at default can I have no idea of it in fact I was incarcerated and had no way of knowing and I was never informed that I was going to be charged the amount of money and that the money that I got the loan for was to be returned to the company if I stop going to school. I don't believe that this is lawful or Fair because I did not have a mutual understanding of the decisions made in the financial aid department of XXXX XXXX. Now I'm interested in going back to finish my XXXX XXXX certification however my credit report in my student loan history May conflict me being able to do so. Also it is affecting my credit score in a negative manner and I need help disputing this matter. Can you please contact me as soon as possible once again this is a very urgent matter because the matter at hand is holding me back from furthering my career and building my future you can contact me anytime this is my mobile number ( XXXX ) XXXX my name is XXXX XXXX XXXX XXXX XXXX . If I happen to miss your call please leave me detailed message and the number I can return your call. Thanks for your time I look forward to hearing back from you soon.
08/07/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	NH 03051	Web
On XX/XX/2018, I paid off one of my student loans ( loan 3, group C ) with OSLA. A few days later, I checked back to make on my account via the online interface to make sure that everything had gone through, and it had. I continued to make payments. On XX/XX/XXXX, OSLA sent me my quarterly account summary confirming that I only had one loan outstanding ( loan 1, group A ). On XX/XX/2018, I logged back into my account and noticed that while the total amount of the loan was similar, it had retroactively been divided between Loan 1 ( a 5.3 % interest rate ) and Loan 3 ( a 6 % interest rate ), despite OSLA sending me documentation ( the quarterly account summary mentioned above ) stating that only Loan 1 was outstanding. On XX/XX/2018, I contacted OSLA 's customer service. The first person I talked to failed to acknowledge any problem and seemed to not understand what the problem even was ( she said, " well, the total amount is the same, '' seemingly not understanding that the interest rates between the two loans would have an effect. ) She passed me off to her boss who took a similar stance. They only agreed that there was a problem after I sent them quarterly account summary and screenshots of the payments that I made. I had checked my account a number of times between making the payment and XX/XX/2018 and all was fine. It seems that OSLA retroactively managed my account to disperse the funds in a manner that would benefit them ( specifically partitioning the money between the two loans ( 1 and 3 ). Their actions seem to define predatory lending.
06/04/2022	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 06611	Web
In XX/XX/XXXX, OSLA commenced servicing of ( XXXX ) student loans issued by DEPT OF EDUCATION / OSLA which reflects a current outstanding balance of {$21000.00} and {$23000.00} as if XX/XX/XXXX ( last reporting period ). In XX/XX/XXXX, i applied for the Public Service Loan Forgiveness Program ( PSLF ). As a result, both loans were transferred on XX/XX/XXXX from OSLA to XXXX for processing. On XX/XX/XXXX, XXXX completed the processing of my PSLF application which was approved and as a result, both loans were canceled and the balances were zeroed out ( {$0.00} ). Since information regarding student loans are not required to be reported to the credit agencies, OSLA or XXXX did not report such transfer which continues to show that OSLA is servicing the loan. On XX/XX/XXXX, XX/XX/XXXX and again in XX/XX/XXXX, I submitted disputes with XXXX, XXXX and XXXX disputing the accuracy of the balance and each time the resolution resulted in the balances remaining the same/accurate. I submitted verification letters from OSLA and XXXX showing a {$0.00} current balance to no avail. I contacted OSLA on XX/XX/XXXX and requested that the update my information with the credit agencies but they informed me that since they no longer hold the loan, they are unable to update the information and that i should contact XXXX. I spoke to XXXX but the said that they will send me a verification letter and that i would need to contact the credit bureaus to get this information updated, but this effort has failed multiple times.
07/21/2021	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	OK 730XX	Web
I have two lower balance student loans. Due to covid I havent been required to pay them, the accounts are basically frozen. I havent been able to access them or pay on them whatsoever. Both student loans were in good standing. I understand the freeze on student loans was done in order to help in a time of need but the issue I have with this, is affecting my life greatly in a negative way. Before covid I had auto drafts to pay my student loans each month, totaling under {$100.00} combined. Since student loans arent requiring payment right now I can not pay on them even though Ive been fortunate enough to keep my job throughout covid. My issue is that I am trying to buy a home and now that I havent had the option to pay on either loan my balance has exceeded my credit limit for each loan, as well as a 90+ day late status on each loan. This is impacting my credit report significantly in a negative way. While I understand and appreciate the US government trying to assist those in need during covid I feel I am at a disadvantage. If I were to have the option to continue my monthly auto drafts my balance would be significantly lower, possibly paid off. I am requesting that this be looked at and removed from my credit report with all three bureaus. I am a law abiding citizen, I pay my taxes, I have a good career. I am trying to better myself and my family but this issue is affecting my credit report so negatively that I feel discouraged. Thank you.
04/21/2023	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	OK 73099	Web
I have been paying the Oklahoma Student Loan Authority for my Federal Stafford Loans since XXXX after making over 10 years of payments I realized that none of my payments were going to principal even though I was paying over the amount billed. It wasn't until XXXX and XXXX when I found out what Stafford Loans actually were and how the payments were only processed to my interest and not my principal balance. I have paid approximately {$5000.00} in overpayments that have just disappeared. I was unable to negotiate a resolution with the Oklahoma Student Loan Authority and they advised me that my only option to lock in my monthly payments was to refinance with the Department of Education and move my loans which essentially makes me start all over again. Had this information been explained to me I would not have taken out the Stafford Loans or agreed to any kind of interest only payments. It is very deceitful to take students who don't know much about student loans and not give them vital information related to repayment. I have seen many other students online talking about predatory student Stafford loans especially since Stafford loan payments were not suspended during COVID and only when I move my loans to the department of education did I get any kind of COVID relief and the ability to lock in my monthly payment amount to guarantee that my interest would finally be paid.
09/07/2023	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	AR 72762	Web
Ok so a year ago I consolidated all my loans and they were transfered to XXXX. While making the transfer all my servicers were brought over except for Oklahoma student loan authority ( OSLA ). I am getting letters saying my loans didn't transfer from OSLA and I can not apply for a income driven plan due to no activity on the account. I have been renewing my IDR plan every year like I was supposed to so I didn't understand this. Also it shows these loans are at XXXX as well. I am very confused because I wasn't explained that this was going on I thought my loans were with XXXX and I had income driven plan already in place. I really need this IDR plan to stand as I have a family of 4 and can not pay a XXXX payment., I make XXXX gross a month. I pay all my obligations on time just for the basic rent, utilities, food, internet, phone. I make just enough to pay these obligations. Also OSLA has been reporting me to credit bureau since XXXX before the payment pause was lifted. There is something funny going on that has made it where half my loans are set up on IDR and other half can only be set up on a standard repayment plan. I really need OSLA to be looked into on fraud on my account and I should have all my loans set up on IDR plan and adjusted to my income so I don't become homeless paying down my student loans. Thanks, XXXX XXXX
07/14/2022	Yes	Student loan Private student loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NJ 08857	Web
I had XXXX 90 day late payments reported on my credit report which has severely hurt my credit score preventing me to be in a position to get credit cards, loans, etc. It has put my score under 660 and still struggling to bring it up because of these XXXX late payments. Those payments were for a student loan from OSLA that I was not aware I had to pay as I had no way to access my account. They didn't contact me about my late payments, and if they did they just said I had a message pending. I would have trouble accessing my accounts. I would keep getting locked out. I tried everything in terms of resetting passwords, and answering questions but was able to get access to my account. I tried calling their support in an attempt to fix my account, only to be left on hold for hours, and being transferred and have the line hang up. I use my phone for work so this also slowed down my work. The entire process was not easy at all which is why it took so long to finally reach them. Once I got to my account I realized that XXXX of the loans had started and I didn't have any clue or have auto-pay setup. They were leaving me to have appeared as I missed XXXX 90 day late payments when I was not aware of the whole situation. This has been very difficult to try to get credit, or secure loans for anything XXXX needed.. ( houses, cars, assets )
08/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 37040	Web	Servicemember
I have four accounts with Oklahoma Student Loan Authority. All four of my accounts were in partial family hardship/ income based with a payment of {$0.00} each month which was set to renew or expire XX/XX/2021. I submited my student loan discharge paperwork to Oklahoma Student Loan Authority ( OSLA ) on approximately XXXX XX/XX/2021. Since then, OSLA has continued to report my 4 accounts with them as past due. The accounts also went to collections all during the time the accounts were in partial hardship with an income based repayment of {$0.00}. The accounts were falsely reported as 120 days past due to all three credit bureaus. I have made numerous calls and sent an email for an attempt to bring a fair remedy. On the phone I spoke with several different OSLA representatives ; all of which told me a different story and blamed each of the credit reporting bureaus for the false information report to all four of my OSLA accounts. As of today XX/XX/2021 My student loans have all been rightfully discharged with OSLA except {$.00}. My last call to OSLA was on XX/XX/2021 at XXXX where I was assured the false credit reporting was corrected. To this day of XX/XX/2021 the false reporting of my account being 120 days past due payment information is still on my credit reports and have caused my credit score to drop 160 points.
05/15/2020	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	CA 90019	Web
I was on an ICP working towards loan forgiveness when I lost my job I called and was advised to switch to a financial hardship plan, which I did ... What I did NOT KNOW was that this would halt all of my payments moving towards loan forgiveness, when I discovered this, I switched back to the original plan, setting me back about 12yrs towards loan forgiveness, causing me to have to start all over again. All under THEIR GUIDANCE & SUGGESTIONS- This loan is over 22yrs. I am constantly being given the wrong information. Last month I was told that under the WE CARE act that any payments I make will go towards the principal balance. When I called a week later to discuss how to ask a question about that, they told me that wasnt true, it only goes towards your interest. Then when I pushed further to speak to her superior she told me that I only have 1.5yrs left on the loan. I asked for that to be put in writing with the exact date since everytime I call its different information.Then next day I was informed its 11.5 years. and that they can't put anything in writing. I was also told that there is no incentive for them to work this out with me since its a government loan and they will have to pay it eventually. When I complained to my congresswoman, she said just work towards loan forgiveness.
10/03/2017	Yes	Student loan Federal student loan servicing	Improper use of your report Credit inquiries on your report that you don't recognize	OR 973XX	Web
I attended XXXX XXXX University for a total amount of one semester in 2015. I do not recall signing anything for student loans besides FAFSA paperwork. About a year or so after I stopped going to XXXX XXXX, I started receiving phone calls and emails about a student loan that I did not have any knowledge of signing up for. I asked my mom who was in control of my educational financing and she also could not recall applying for any loans except for the FAFSA. The company that is issuing the 3 loans I 've seen is XXXX XXXX XXXX XXXX. I have contacted them several times to start a repayment plan after seeing that it was a delinquent account which scared me. It has effected my credit score causing it to lower significantly and I just want to be sure that its a legitimate loan and not a scam as I have fallen privy to in the past. I do not remember specific dates that I spoke with them, however I have received two letters in the mail in the last 2 weeks that are statement balances and requests for payments. I have made 3 payments of {$50.00} in the last couple of months. I just need to know if I really signed up for the loans or not. I am young and uneducated on how these things work and I want to be sure I am not being taken advantage of.
02/19/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	FL 32303	Web
My loan servicer is : Oklahoma Student Loan Authority. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX I want to be able to make auto deposits while in school while no monthly payment is due. I want to do so to begin paying down student loans and reducing the total amount of interest paid. OLSA will not allow direct/auto deposits. OLSA policy is stated as such : " You are not eligible to sign up for auto debit because you do not have a payment due. When your loan ( s ) is in a repayment status or within six months of your next payment due date, please return to this page to sign up for auto debit. If you would like to make a one-time payment, you may click Pay Now from the Payments menu item. '' Such a policy is a predatory lending practice because it reduces the likelihood of paying down the balance of the loan ; therefore, increase the amount of interest the company can collect from students. Auto deposit should be available to all student borrowers at all stages of the loan to encourage loan repayment and minimize the amount of interest a student accrues. Please help me in activating this simple feature that should be available to all. Best, XXXX XXXX
01/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 333XX	Web
I opened up two loans on XX/XX/XXXX for a total amount of {$2800.00} from the Department of Education/ OSLA. I only attended one semester at XXXX University so no further loans were opened after XX/XX/XXXX. The Department of Education never reached out to me nor my parents one time ... even though, they had all our information. One day I was curious and decided to randomly check my credit score and saw it was knocked down 155 points. I immediately called the Department of Education to find out what had happened. It's XXXX and they never thought of reaching out via phone or email. Instead, they were only sending physical mail and on top of all that they had the wrong address. My intentions aren't to bash the Department of Education/ OSLA , I just believe it's not fair for them to send a 90-120 day past due notice to collections when I never received one phone call or email that this was occurring. I'm a young kid who prides himself on doing things right and especially with something like my credit score. I really hope you guys could resolve this problem for me ... it would be greatly appreciated. Thank You
05/14/2021	Yes	Student loan Federal student loan servicing	Incorrect information on your report Information belongs to someone else	IN 46804	Web
On XX/XX/XXXX, I ran my three credit reports. There was a closed student loan on there for the amount of {$1500.00} from Oklahoma Student Loan Authority. There was also an address listed on the report for a Texas address. Both of these items are incorrect as I have never taken out a student loan. I called OK Student Loan Authority on XX/XX/XXXX to see what I needed to do to take care of this. They forwarded me their Loan Discharge Application : Forgery form to complete. I filled out this form and returned it same day along with a copy of my Drivers License, social security card, mortgage statement and utility bill. I continued to follow up with this company, but they would never transfer me to the correct department or provide me any answers on what the status was. It is now more than a month later and we are no closer to this being resolved. It is important to note that I currently, and at the time the loan was opened had an extended credit freeze on my account due to past identity theft. This loan should never been able to be opened without contacting me personally in the first place.
08/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MA 01905	Web
In accordance with the fair credit reporting act, ~Name : US DEPT OF EDXXXX Account number:XXXX XXXXDEPT OF EDUCATION/XXXX Account number 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. code 1692b- 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
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. OK Student Loan Authority, 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.
10/20/2017	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	TX 78666	Web
In XXXX of XXXX I was sent a XXXX XXXX XXXX XXXX XXXX report in my name XXXX XXXX XXXX and someone by the name of XXXX XXXX. In XXXX of XXXX I went to school at XXXX XXXX University on a partial football scholarship and transferred this year to XXXX XXXX University ( XXXX- currently there ) the rest of the money needed for school I borrowed. My family and I moved from XXXX, TX to XXXX Georgia in XXXX, XXXX. I have NEVER attended ANY schools in Oklahoma period. XXXX XXXX, XXXX, My Mom received a notice from XXXX Oklahoma Student Authority, XXXX Central XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, OK XXXX. Someone we DONT KNOW is using my name, social ... to attend school at XXXX XXXX University without my consent! It initally started with a fees bill we received about 2 months prior. My Mom called the university and they said they would remove it and provide a confirmation. They did not and continue to allow this student to fraudently use my identity. We are reporting this to ALL agencies at every level. Please help us.
08/16/2021	Yes	Student loan Federal student loan servicing	Incorrect information on your report Account information incorrect	OK 73505	Web	Servicemember
Concerning Oklahoma Student Loan Authority XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, OK XXXX XXXX XXXX XXXXXXXX XXXXlahoma XXXX, OK XXXX OSLA is reporting my student loan a being sent to collections in XXXX of XXXX, they still have not update or fixed this problem. This loan was discharged due to TOTAL and XXXX XXXX of a XXXX veteran on XXXX XX/XX/XXXX. The other problem is that there is a moratorium on student loans payments from the COVID-19 relief bill and no student loans should have been sent to collections. This is a total mismanagement of student loans by OSLA. This is hurting XXXX veterans, that have served this country. This is showing on my XXXX, XXXX, and XXXX ad being sent to collections in XX/XX/XXXX and closed on XXXX of XXXX, however the part of it being sent to collections in XX/XX/XXXX is still showing up. The part about is being sent to collections in XXXX XXXX need to be corrected.
05/31/2021	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	DE 197XX	Web
Today I called OSLA because my online access said their information did not match my information ( SS and DOB didn't change ). The rep who answered the phone immediately launched into a pitch about how I qualify for forgiveness under newly passed policies ( not true ). The conversation then included him encouraging me to say I couldn't afford my loan and to claim additional family members were living under my roof ( to lower my payment ) that are not residents of my home. Ultimately he was selling me on refinancing my loan with an origination fee ( {$890.00} ) and a higher interest rate ( +2 % ) from my current rate. This caught me off guard because I had called to straighten out an administrative thing and ended up in the middle of a high pressure sales pitch. Agencies entrusted with servicing Dept of Education student loans should not be high pressure selling anything and encouraging fraud.
07/18/2019	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	TX 77077	Web
I took out a payment plan in XXXX of 2017 with the University of XXXX, and paid that off in full at the beginning of this year in order to apply to XXXX XXXX College. I never took out a federal student loan, and this is saying that I owe {$4000.00} which is almost the exact amount I paid to University of XXXX. I don't understand why I have a federal student loan on my credit report because I never filed one. I don't know what paperwork I need to attach, since again, I did not ever take out a student loan. It's always been payment plans that have been paid off. I do not owe any money to any institution other than XXXX right now, and I refuse to pay XXXX dollars to the feds when I didn't even get to finish my semester due to Hurricane Harvey and lack of transportation and housing. Please let me know what my next steps are. I need this off of my report ASAP.
04/21/2020	Yes	Student loan Private student loan	Incorrect information on your report Information belongs to someone else	MS 39503	Web	Servicemember
On XX/XX/XXXX I contacted XXXX XXXX and disputed 2 student loans one for XXXX and another forXXXX dollars. That I didnt sign for or give permission to anyone to use my information to take out the loans. On around about the XXXX I printed off line the application for fraud like I was instructed to by a representative from 0SLA. I was told to send in copy of drivers license and Proof of address I sent it in. I called back on XX/XX/XXXX. Still was told to keep calling weekly it is still under investigation, but I was told by the representative that the email on file was not mine, the address that was used I moved from it 5 years ago. And the time this person is attending school I am working I have a full time job I work Tuesday tru Saturday from XXXX XXXX to XXXX XXXX. So I dont understand why they will or have not removed this from my credit.
07/27/2022	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	NE 681XX	Web
I have tried numerous times to tell my loan servicer the Oklahoma Student Loan Authority ( OSLA ) that my principal balance is reflecting more than what it should be. A total of {$9500.00} was disbursed for both Subsidized and Unsubsidized loans for the following quarters : Fall XXXX, Winter XXXX, Spring XXXX, and Summer XXXX. I have paid a total of {$7100.00} to this company and have given a list of the amounts as well as dates each transaction was made. The company will also be able to see each of the payments I reference were made from my online account with them. Additionally, I have paid the Unsubsidized loans off prior to them reaching 120 days, which means no interest will have accrued on my loans. Therefore, my principal balance should reflect {$2300.00}. However, the company is continuing to claim that I owe a total of {$3000.00}.
09/12/2023	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	AR 72762	Web
My complaint is about how my account was handled during Covid. In the month of XXXX XXXX, because my mail from them was being returned, due to me being homeless because I lost my Job during covid and had limited resources they uninsured my loan and now I can't get my loan on an income driven plan and have my loan figured on my income and family size. I can only do a standard payment that is so high it would put me back into a homeless status again. I can not believe a company would not want to help someone that tried my best to keep up with my loans. Especially because the only reason it went into un insure status because of mail being returned., you would think now they could reverse it just as they put it in that status. I am just blown away because I am trying my best to get this account resolved but I'm always hitting a brick wall.
12/16/2022	Yes	Student loan Private student loan	Getting a loan Confusing or misleading advertising	FL 32811	Web
I was told false information about the school and program. They avoided all my questions that would have revealed them being a private school the cost of attendance and financial advisor never spoke with me or return my called. I asked a week before my monthly attendance to be removed from the school due to false advertising and my advisor stop contacting me or neither return my calls after the information had been revealed and I told the school that's not the information that I received. They yet have removed me and I told them about my last school who had done the same thing and that's why the advisor lied to me. I knew when she asked me do I know anyone who is interested in furthering their education that they was a scam and enrolled students telling lies just like my previous college. Advisors lie to enroll students to get paid...
02/01/2022	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive notice of right to dispute	MA 015XX	Web
CEASE AND DESIST YOU ARE HEREBY ON NOTICE TO HAVE ALL MY DEMANDS COMPLETED UPON RECEIPT. This is a communication to cease and desist all communication and collection efforts pursuant to 15 USC 1692C ( c ). As the consumer, the natural person, natural creditor, administrator, and executor, I legally refuse to pay this alleged debt pursuant to 15 USC 1692C ( c ) and demand the following actions taken effectively ; 1. Pursuant to 15 USC 1692C ( c ) ( 2 ), I'm invoking my specified remedies as the creditor. 2. Pursuant to 15 USC 1692C ( c ) ( 1 ), I hereby advise you to terminate all collection efforts. 3. Pursuant to 15 USC 1692C ( c ) ( 3 ), I demand you delete all my accounts. SEND ME A COPY OF MY CONSUMER REPORT UPON COMPLETION. FAILURE TO COMPLY WITH MY DEMANDS WILL RESULT IN LEGAL ACTIONS AGAINST YOUR COMPANY.
03/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27612	Web
In early XXXX I attended an online class at XXXX XXXX located in Arizona for a couple of weeks. I was eventually dropped due to my attendance and my program director dropped me before I could be held 100 % liable to repay my student loans that I have taken out. In other words, my financial aid was cancelled and I owed nothing to them. On my credit report though they reported twice that I owe them from my first starting date even though my financial aid records stated that it has been cancelled and washed away since I was cancelled before I could actually owe anything. I disputed the information with XXXX and provided the necessary documents but they ruled in the loan agency favor and never said anything as to why even though I sent them what my financial aid office has sent me during this situation.
08/28/2020	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	NM 882XX	Web
I was attending XXXX University and taking online classes and before I completed my degree I ran out of financial aid. I am certain, when I read how much financial aid I had it said life time.. anyway they wanted me to start paying them out of pocket.. If I could do that I would not be on financial aid..I was almost done when this happened ..They had sent me an email that My next payment was XXXX dollars.. I was so close on finishing.. but because I couldnt pay I just quit being that I was so discouraged. How was I suppose to come up with that amount..I need to get access to my history on all my classes that were payed, at times I saw that I was being charged twice or three times for a class. This University was put on probation during the time I attended.
07/16/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	XXXXX	Web
Hello, I am an american Citizen living and working abroad and am unable to pay my student loans due to XXXX not acepting payments from foreign accounts. I have contacted the company previously regarding repayment options and they have not given me an options, other than mailing a check to which my bank in the XXXX does not allow. It is possible to transfer money from my XXXX account to my american account but that is financially not feasible for me due to transaction fees. This on top of the interest I am paying on my loans is not possible. Companies should be encouraging students to go abroad and not punishing them for doing so. It is discrimination on the basis of finances that should not be tolerated.
06/27/2023	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	OK 73505	Web
My family paid off my student loans, which totaled right around XXXX between my grandfather and my mother. This was a significantly small amount of the total around {$3500.00} if memory serves. A few months go by and all the sudden Im getting collection calls from this company about the same loan that is paid off. At this point I was much younger and had no clue what to do, the loan they are calling about was originated the same day this other one was paid off supposedly. Although I had never taken out another loan. I have tried for years to get them to do anything other than put me on hold for extremely long stretches of time, to no avail. Im stuck this loan was paid in full years ago!
10/09/2021	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 Their investigation did not fix an error on your report	MI 492XX	Web
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This company is currently showing 120 days late for the month of XX/XX/2019 as reported in 3 Credit Bureaus. I have read enough to understand my rights. The late history should not be showing late because I think I paid on time. The Bureaus are attempting to violate this clear understanding. Please Investigate and report the payment status positive and update all late from reporting on this account : DPT ED/OSLA-XXXX-Balance {$1900.00} OK STUDENT LOAN AUTHOR-XXXX-Balance {$1900.00} DEPT OF EDUCATION/XXXX-XXXX-Balance {$1900.00}
04/04/2022	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Problem with customer service	MA 021XX	Web	Servicemember
I was an XXXX member from XX/XX/XXXX to XX/XX/XXXX during that time my student loan company was supposed to pay the interest that accrued on my loans for a total of {$330.00}. They had changed their address without alerting me so my initial payment request was denied and I had to submit a new one with their new address. At that point I had made a payment on the loans and my balance greatly decreased so they recalculated the interest based on my current balance and only paid me {$100.00}. However the agreement was to pay the balance that accrued during my term of service which was {$330.00}, so they still owe me {$230.00} which they are refusing to pay.
12/27/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75043	Web
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
09/27/2022	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	CA 90274	Web
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : OK STUDENT LOAN AUTH XXXX Date Opened : XX/XX/XXXX Balance : {$91000.00}, OK STUDENT LOAN AUTH XXXX Date Opened : XX/XX/XXXX Balance : {$86000.00}
11/08/2019	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	GA 301XX	Web
This is my son loans, after he graduated, he has been unsuccessful with getting a job, this school didn't help with finding one, a lot of employment do not except this school. He got his XXXX XXXX XXXX. The loan is in my name and I am struggling to pay it, this is my son loan but in my name, I would like to find out how I can remove my name and add his. That school was a joke, he put a lot of time, effort and bills to keep in XXXX, for a year, it's been almost 2 years now and still has nothing to show what he went for. Please help get me with this. XXXX XXXX My son name is XXXX XXXX.
07/08/2021	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	MN 558XX	Web
I applied for XXXX XXXX XXXX XXXX in XXXX of 2020 and my application has still not been accepted or denied. This is usually a few months process, and it has been over a year since first sending my application. When speaking with customer service they don't know why the application has not been accepted and they are unable to answer any questions I have about why it is taking so long. I am told my application has been resubmitted for a third time. The loan servicer does not return phone calls when promised and I am constantly following up to try to get answers, but they do not have any.
08/07/2021	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	IL 606XX	Web	Servicemember
My Servicer sent inaccurate information about my loan to the credit agencies. The Biden Administration extended the pause on student loan payments through XX/XX/2022. This means that no payments are being processed. I am also still in school and have deferment as well until I graduate. I am also being approved every semester for loans without any credit issues yet my Servicer reported that they decreased my credit limit to the credit agencies for NO REASON. Attached is what the credit agencies are currently showing me what my Servicer Osla, falsely reported.
11/07/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Keep getting calls about your loan	GA 30253	Web
My loan repayment has a due date of the XXXX but there is a 10 day grace period for late payments. I make my payments on or around the XXXX no later than the XXXX of the month. I continuously get back to back calls from their customer service center. The calls start at XXXX and end at XXXX : XXXX EST. On XXXX I was called at XXXX : XXXX and my payment has been paid for the month with the payment for next month XXXX XXXX XXXX scheduled in the system. I am tired of being harassed for the payment when I 'm on a payment plan. I 'm doing the best I can. Thanks
10/28/2021	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	FL 32507	Web	Servicemember
While in graduate school I tool out student loans serviced by OSLA. Upon graduation I returned to XXXX XXXX and asked OSLA to apply SCRA protections to all loans disbursed. OSLA denied my request multiple times stating that pervious XXXX XXXX service time has disqualified my from further protections. Since my student loans were not disbursed during a time of XXXX XXXX service I beleive OSLA is violating the SCRA, the Consumer Financial Protection Act, and corresponding state law by charging me an amount in interest over what I am legally required to pay.
02/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 432XX	Web
I received an email from my university XXXX on Tuesday, XX/XX/2021 at XXXX XXXX notifying me about a student loan disbursement and that I could cancel it " no later than 14 days from the date of this email ''. I emailed my university XXXX on Friday, XX/XX/2021 at XXXX XXXX requesting that the loan be canceled. The university bursar notified me that the loan was canceled. I have contacted Oklahoma Student Loan Authority on two different occasions via phone and have submitted 3 disputes via XXXX. The issue still has not been resolved after 9 months.
07/24/2020	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TN 37323	Web
This is my 3rd complaint. When I talk OSLA and challenge the debt. They tell me to get a lawyer and hang up on me. They do not leave voicemails nor do they send a bill in the mail. This was DISCHARGED on my husbands due to XXXX XXXX. He is the ORIGINATOR. This is a PERSONAL and NOT a federal debt for student loan. The company keeps avoiding these facts and will not address my actual and factual complaint. This is a 17 year old loan. Attached is a screen shot of statute of limitations and this loan should no longer be owed and discharged. Period.
04/11/2021	Yes	Student loan Federal student loan servicing	Credit monitoring or identity theft protection services Billing dispute for services	OH XXXXX	Web	Servicemember
In 2019 around XXXX I decided to join the XXXX. I enlisted XX/XX/2019, and found out that I was leaving to go to basic a week later. I called my students loan to make sure they had me in deferment but the system was down that whole week. I went off to basic for my students loan to take me out deferment because I wasnt in school and start charging me for my students loan from XXXX of 2019. I called the company to see if they can take of my credit report. The company Osla told me they cant take off my credit unless I was XXXX for those months.
03/27/2021	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	WI 53406	Web
I have disputed this collection numerous of times they have yet to produce any of the information that I ask requestion through the 3 credit bureaus they always say updated information but it never confirms the accuracy of this charge no documentation has ever been giving to me or anything Im just being billed I dont even know the terms because I havent been giving any please remove this from my report it shows multiple inconsistencies certain dates say paid on one report than on another it says late this is in violation of my fcra.
09/22/2020	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	CA 956XX	Web
On XX/XX/2019 my bill for {$64.00} did not go through when it was on auto-bill. I reached out to OSLA and they said they saw it try to come out of the bank but it was rejected. They never notified me of the rejections and gave me 2 late payments. Also again on XX/XX/2019 my bill for {$64.00} did not go through again when it was on auto-bill. This resulted in a total of 4 " Missed Payments. '' I now can not get a mortgage because of these marks on my credit and OSLA will not help me with this unfair situation.
01/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	OK 744XX	Web
Some one has got several students t loans in my name. I was XXXX during moat of them most are loans from the okla student loan Auth. There are some other private companies as well XX/XX/XXXX - {$650.00} XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$640.00} XX/XX/XXXX - {$330.00} XX/XX/XXXX - {$1800.00} XX/XX/XXXX - {$2200.00} XX/XX/XXXX - {$370.00} They're ruining my credit. I've already filed with the federal trade commission and made a police report back in XXXX when I got out of prison but nothing is being done.
12/09/2022	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	CA XXXXX	Web
Over the past 2 years I have made several payments on my student loans Confirmation #. Payment : Date Posted : XXXX. XX/XX/2022 {$240.00} XX/XX/2022 XXXX. XX/XX/2022 {$1700.00} XX/XX/2022 XXXX. XX/XX/2022 {$250.00} XX/XX/2022 XXXX. XX/XX/2022 {$290.00} XX/XX/2022 One of the loans, Loan A was paid in full. I have a confirmation number from the company stating that and can attach it. I have not gotten any refunds and they are now incorrectly reporting my loan amount which has decreased my credit score.
07/07/2020	Yes	Student loan Private student loan	Struggling to repay your loan Can't get other flexible options for repaying your loan	TN 37323	Web
Oklahoma student loan authority has an account from the year of XXXX. On a private, non federal student loan. I co-signed for my husband. We filed bankruptcy in XXXX and it was also discharged on my husbands behalf from XXXX XXXX. But they keep hitting my credit saying I still owe. Theres a statute of limitations on this. 5 years in Oklahoma and 6 years where I reside. This should not be on my credit and I should not owe. Its past all those 3 reasons.
11/23/2022	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	MI 486XX	Web
I am a full-time graduate student graduating in XX/XX/XXXX, however, my grace period for student loans already started and payments are due in XX/XX/XXXX ( XX/XX/XXXX because of Biden 's extended repayment freeze ). I have called the loan provider multiple times but they are saying that they are waiting for my university to update this information. I called my financial aid office and they said the information about my enrollment is already updated.
06/17/2022	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Problem with customer service	IL 606XX	Web	Servicemember
OSLA admitted to sending the loan to XXXX as promised but never did it after making the promise to send it. I have an attachment as proof. backstory : Department of Education contacted OSLA and told them to hand over All of my loans to TOTAL AND PERMANENT DISABILITY SERVICER. They told them they had 120 days. OSLA ignored them and has not even acknowledged what they were told to do. They have poor customer service and discrimination.
07/27/2021	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Problem with customer service	IL 606XX	Web	Servicemember
On XX/XX/21 XXXX submitted my loan for a credit check to my Servicer. My Servicer had customer service agents who refused to do the credit check. Attached is proof of my report stating their is no credit freeze as of XX/XX/21. They made every excuse to deny me the Summer and Fall semester so I could not graduate. They claimed my credit was frozen so I had it unfrozen and then showed them proof and they still never did the credit check.
10/01/2022	Yes	Student loan Federal student loan servicing	Improper use of your report Reporting company used your report improperly	NE 68134	Web
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681, section 602 states I have the right to privacy. 15 USC 1681 Section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 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 any purpose.
02/24/2022	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Problem with customer service	IL 606XX	Web	Servicemember
I applied for a PLSF, Public Service Loan Forgiveness, ( XXXX No. XXXX ) and submitted the new application to OSLA and the U.S. Department of Education -- XXXX XXXX, buy FAX and by EMAIL 12 Times. BOTH ignored my application and never contacted me back or updated the information in the system. My Servicer, OSLA, ignored me entirely, maliciously and intentionally. They still have not processed it and it has been over 30 days.
02/10/2023	Yes	Student loan Private student loan	Struggling to repay your loan Can't get other flexible options for repaying your loan	OK 744XX	Web
I never knew that this school was private. I also am now banned from the student portal to access anything. I was told to have it repaid before I graduate which is another year... ..and now I'm on a financial hold. I need to report this as well as the loan I took out for my son whom withdrew and went to the military. It's restraining me from progressing with my schooling and other obligations. What can be done
12/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33040	Web	Servicemember
My social security number was use to co-sign loan without my authorization. When loan was taken out I was XXXX XXXX in military station in XXXX on XXXX. I contacted loan company and fill out forgery form and no action was taken about it. I filled out identity theft report on FTC. Please remove from credit report because this is fraudulent. Any more information that is need please reach out
05/01/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Keep getting calls about your loan	TN 37643	Web
OSLA ( XXXX ) keeps calling both my home phone # ( XXXX ) and my cell phone ( XXXX ) regarding student loans for my daughter. I have advised them on 4 separate occasions that my daughter is an adult and no longer lives at home, has not lived at home for more than 3 years, and can not be reached at either of these numbers. I have requested they remove my numbers but they continue to call.
04/17/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Trouble with how payments are handled	DE 198XX	Web
I tried calling in today, XX/XX/2017, to pay off my student loan with my credit card. I took out the credit card to pay off my student loan as I have 0 % for 18 months. I was told that OSLA only accepts bank account information, which is unacceptable. They are impeding me paying off my student loans.
07/31/2021	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Problem with customer service	IL 606XX	Web	Servicemember
I received my new disclosure and was Approved by case teams a Second Time. The school and the Servicer is still refusing to give me my loan even after it was approved again this Friday. They are illegally denying me my federal aid under federal aid programs after, receiving my 2nd Approval again.
06/06/2022	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	IL 606XX	Web	Servicemember
Department of Education contacted OSLA and told them to hand over All of my loans to TOTAL AND PERMANENT DISABILITY SERVICER. They told them they had 120 days. OSLA ignored them and has not even acknowledged what they were told to do. They have poor customer service and discrimination.
05/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 12603	Web	Servicemember
I received federal debt discharge ( XX/XX/2021 ) XXXX XXXX XXXX XXXX XXXX XXXX as of XX/XX/2021 ; OSLA account shows XXXX balance ; Has been reported as delinquent to all 3 credit bureaus ; Credit is now ruined and my accounts are being closed from other credit granters. Please help!
02/07/2021	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	IL 606XX	Web	Servicemember
The news reported that Biden was considering forgiving XXXX in student loan debt, literally after the story hits the news, OSLA puts false information on my credit report as if some one is running up a bill in my name. Photo is attached of what my credit showed that they posted TODAY.
09/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 10566	Web
I start a dispute un XXXX XXXX about the 120 days late payment to chance that update or erase because i try Many times in the past to do my payments and the site never allowed me i have screenshoots of the emails that i send to them AND they never answer. And i need that Fox. Thanks
09/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 10566	Web
I start a dispute un XXXX XXXX about the 120 days late payment to chance that update or erase because i try Many times in the past to do my payments and the site never allowed me i have screenshoots of the emails that i send to them AND they never answer. And i need that Fox. Thanks
09/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 10566	Web
I start a dispute un XXXX XXXX about the 120 days late payment to chance that update or erase because i try Many times in the past to do my payments and the site never allowed me i have screenshoots of the emails that i send to them AND they never answer. And i need that Fox. Thanks
02/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 35010	Web
The XXXX XXXX XXXX XXXX XXXX XXXX reported my student loan as delinquent As of XX/XX/XXXX. My loans are still suspended due to the loan forgiveness program. My payment does not show that it is due until XX/XX/XXXX on my account online. This made my credit score drop XXXX points.
06/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	TX 79928	Web	Servicemember
I am XXXX XXXX XXXX XXXX that received the student debt relief and the debt has been removed off of my XXXX but, it is not being reflected/updated on XXXX or XXXX. My overall debt is still showing and reflecting the student loan amounts. I was awarded the XXXX XX/XX/2023.
12/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OK 73071	Web
OSLA previously had 3 accounts in my name. All sounds have since be consolidated with another company. OSLA is reporting me late in all 3 accounts from XX/XX/XXXX-XX/XX/XXXX. All accounts have never been late and have been in ibr or deferment since opened.
11/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	IL 60614	Web
Student loan Student loan of Oklahoma refuses to remove my queen history and failed to several times after I call them and I have XXXX balance and I can't get a home because of this and it's really driving me crazy because I have a XXXX balance.
11/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	IL 60614	Web
Student loan Student loan of Oklahoma refuses to remove my queen history and failed to several times after I call them and I have XXXX balance and I can't get a home because of this and it's really driving me crazy because I have a XXXX balance.
04/06/2021	Yes	Student loan Federal student loan servicing	Incorrect information on your report Account information incorrect	AZ 85254	Web
Student loan under DPT ED/OSLA - account open. Balance {$3400.00}, highest balance {$2700.00}. Date of last payment : XX/XX/XXXX. Opened XX/XX/XXXX. Last reported XX/XX/XXXX. I have never taken out a student loan and this is false information.
09/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	LA 708XX	Web
This account is from a student loan in XXXX & pell grant in XXXX & the loan is in process of being forgiven. Why they reported it to my credit in XXXX more than 10 years later I will never know! The amounts are equaling to almost {$14000.00}.
03/09/2022	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Problem with customer service	MA 02346	Web
The OSLA site where I pay my student loans went down last week. I don't know where to pay my loans, or how to get my loan records. When I called, they promised to send me information via email that they didn't do. They ask for my full SSN.
05/13/2022	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	MS 39110	Web
I tried to dispute my feed with the college. The professor did not grade assignments until 3 days before grades were due for the semester. I had a confrontation with his wife during XXXX. It wasnt fair. I disagree ti pay for the tuition.
09/19/2022	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	CA 94501	Web
Hello on XX/XX/XXXX I called OSLA to ask for a refund back and they put in the request for a refund since XXXX XXXX. I check today and I see that my loan balance is still XXXX instead of my refunded amount and I need updates
09/06/2022	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	TX XXXXX	Web
XXXX XXXX XXXX XXXX XXXX Scamed me for paying a loan I didn't consolidate for and charging me {$5000.00} to a different financial student loan service osla When the student loans I am currently paying are XXXX XXXX.
09/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	LA 706XX	Web	Servicemember
OSLA Student Loans have me in the collection status, and the account was not late. I may not have passed a Secret Background for this matter. I called and disputed this situation several times.
03/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93308	Web
I I recently just found out that I have two student loans reports on my credit and I have never been to school. I got a student loan before.
05/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CT 06606	Web
I have requested my disclosure documents for opt out of this reporting and they have not responded in 30 days of receiving
10/19/2021	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was result of identity theft	CA 93551	Web
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.
01/30/2022	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Keep getting calls about your loan	MA 024XX	Web
OSLA keeps emailing me while loans are in deferment and I am in school. Has no option to end communications
12/22/2020	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	GA 30344	Web	Servicemember
These credit inquiries are unauthorized and need to be removed from my credit report immediately.
03/17/2022	Yes	Student loan Federal student loan servicing	Improper use of your report Reporting company used your report improperly	IN 478XX	Web
osla student loan amount of XXXX, XXXX, XXXX
01/28/2024	Yes	Student loan Federal student loan servicing	Incorrect information on your report Account status incorrect	MT 59102	Web

05/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70605	Web

04/11/2023	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	NV 89502	Web

04/07/2023	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	NE 68118	Web

03/19/2023	Yes	Student loan Federal student loan servicing	Improper use of your report Reporting company used your report improperly	MA 02169	Web

03/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MA 02269	Web

03/06/2023	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	TN 37033	Web	Servicemember

03/02/2023	Yes	Student loan Federal student loan servicing	Improper use of your report Reporting company used your report improperly	MA 02269	Web

03/02/2023	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	NJ 08701	Web

02/23/2023	Yes	Student loan Federal student loan servicing	Improper use of your report Reporting company used your report improperly	MA 02269	Web

02/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90247	Web

01/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MA 02169	Web

01/22/2023	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Problem with customer service	NY 10452	Web

01/17/2023	Yes	Student loan Federal student loan servicing	Improper use of your report Reporting company used your report improperly	MA 02169	Web

01/05/2023	Yes	Student loan Federal student loan servicing	Improper use of your report Reporting company used your report improperly	MA 02169	Web

12/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	FL 34952	Web

12/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70605	Web

11/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 11427	Web

11/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10314	Web

10/26/2022	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Need information about your loan balance or loan terms	NY 11214	Web

09/18/2022	Yes	Student loan Federal student loan servicing	Improper use of your report Report provided to employer without your written authorization	NV 89031	Web

08/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48211	Web

08/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32905	Web

07/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem with product or service terms changing	CA 91505	Web

06/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28403	Web

06/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35077	Web

05/18/2022	Yes	Student loan Private student loan	Incorrect information on your report Information belongs to someone else	NC 28303	Web	Servicemember

05/18/2022	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	TX 77571	Web

03/18/2022	Yes	Student loan Federal student loan servicing	Incorrect information on your report Account status incorrect	NJ 08081	Referral

02/17/2022	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	OK 74136	Web Referral

11/08/2021	Yes	Student loan Private student loan	Struggling to repay your loan Problem lowering your monthly payments	FL 33135	Referral

09/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 38114	Web

09/11/2021	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	OK 74075	Web

08/30/2021	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 60605	Web

08/03/2021	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	TX 75098	Postal mail	Older American

08/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OK 73503	Web	Servicemember

06/22/2021	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

04/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43140	Web

03/19/2021	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76010	Web

01/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77632	Web

01/07/2021	Yes	Student loan Private student loan	Struggling to repay your loan Can't get other flexible options for repaying your loan	SC 29732	Referral

01/05/2021	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	CA 94533	Web

12/18/2020	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	CA 94533	Web

12/03/2020	Yes	Student loan Federal student loan servicing	Incorrect information on your report Account information incorrect	PA 17201	Fax

11/24/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	CA 94520	Web

11/16/2020	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	MI 49426	Web

10/16/2020	Yes	Student loan Private student loan	Getting a loan Fraudulent loan	CA 91340	Web

10/02/2020	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	NC 28326	Web	Servicemember

09/03/2020	Yes	Student loan Federal student loan servicing	Incorrect information on your report Account status incorrect	CA 90260	Web

08/04/2020	Yes	Student loan Federal student loan servicing	Incorrect information on your report Account status incorrect	CT 06354	Web

07/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55901	Web

06/26/2020	Yes	Student loan Private student loan	Incorrect information on your report Old information reappears or never goes away	TN 37323	Web

06/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90405	Web

06/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60465	Web

05/15/2020	Yes	Student loan Federal student loan servicing	Incorrect information on your report Account information incorrect	FL 32258	Web

05/06/2020	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	TX 77077	Web

04/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27214	Web

04/22/2020	Yes	Student loan Federal student loan servicing	Incorrect information on your report Account information incorrect	PA 17038	Web

02/25/2020	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	CA 95014	Phone

01/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27613	Web

09/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33179	Web

08/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90405	Web

07/05/2019	Yes	Student loan Private student loan	Dealing with your lender or servicer Trouble with how payments are being handled	FL 33414	Postal mail

06/15/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	CT 06450	Postal mail

04/18/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	CT 06450	Fax

04/08/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	SC 29223	Phone

03/19/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	CA 95014	Phone

01/21/2019	Yes	Student loan Federal student loan servicing	Incorrect information on your report Information belongs to someone else	GA 30741	Web

08/30/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	TX 77016	Web	Servicemember

08/24/2018	Yes	Debt collection Federal student loan debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	OK 74006	Web

08/03/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled		Phone

08/03/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	NY 14607	Web

05/29/2018	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	CO 81611	Referral

05/02/2018	Yes	Student loan Federal student loan servicing	Incorrect information on your report Account information incorrect	CO 81611	Postal mail

03/14/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Problem with customer service	MI 49009	Referral

01/22/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	LA 70663	Web

01/16/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	TX 77493	Web

01/02/2018	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was result of identity theft	MI 49544	Web

10/25/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	MI 48306	Web

09/13/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	OH 43205	Web

08/11/2017	Yes	Student loan Private student loan	Getting a loan Fraudulent loan	FL 32256	Web

04/15/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	NY 11218	Web

03/13/2017	No	Student loan Federal student loan servicing	Dealing with my lender or servicer Having problems with customer service	OK 73160	Phone

02/23/2017	No	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	TX 78749	Web

01/13/2017	No	Student loan Federal student loan servicing	Dealing with my lender or servicer Having problems with customer service	AR 72120	Web

11/02/2016	Yes	Student loan Federal student loan servicing	Can't repay my loan Can't decrease my monthly payments	KY 40121	Referral

10/07/2016	Yes	Student loan Federal student loan servicing	Can't repay my loan Can't get flexible payment options	NY 11362	Referral	Older American