Date Received: 2017-08-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX, I realized that XXXX placed an account back on my credit report that had been previously deleted. I have contacted them by phone and letter to remove the account. However, on XX/XX/XXXX, the XXXX XXXX XXXX account was updated. On XX/XX/XXXX, I contacted XXXX regarding the account again. I indicated that the account has been placed back on my credit report after being deleted. I also indicated that the account was updated. The representative stated that no information was updated on the account but the creditor just did not state to remove it. I asked for validation of the account and was told that XXXX is not required to receive any documentation from the creditor. I asked for a phone number and address for XXXX XXXX XXXX. I was given the following information : XXXX. I was told to ask for their address when I contact them. I called the number and reached a debt collection agency by another name. I called XXXX back. I was provided the same phone number and no address. I indicated that the number given is not correct information. I proceeded by asking the question : How are you as a credit reporting agency stating that you are reporting correct information and taking the word of some company when you have not truly verified that validity of the company ( name, address, phone number )? Also, Why is it that every time I call and state that the account was previously deleted and asked for you all to go back in your records to verify that it was previously deleted no one can seem to research and answer my question? The representative indicated that the contact information may be incorrect and I should research the web to find the correct information. I responded by stating, " I did before calling you all back this last time and will just forward my concerns to CFPB. ''
Company Response:
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2017-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-22
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: On XX/XX/XXXX I was given 30 days start paying back a debt I owe XXXX for a student loan. I was given 30 days from Transworld Systems Inc. to start paying before they began garnishing my wages. I contacted them late XX/XX/XXXX or early XX/XX/XXXX, letting them know that I had started a new job and should be able to afford {$50.00} a month to start paying them back. I had been working a commission based job for the last 6 months and it completely destroyed my savings and credit. all my cards are maxed out and my credit dropped 100+ points because of my lack of income. I finally started making consistent money and contacted XXXX XXXX from Transworld Systems Inc. and informed him i was ready to make a payment today, XX/XX/XXXX, and every month following. He was extremely rude and told me it was too late. He said they had started the wage garnishment process. I am still within my 30 day time frame to pay back. He told me that now I have to pay {$700.00} now and {$75.00} a month. I told him I do n't have the money and to please help me. I can afford the {$50.00} a month and will gladly start paying that back. He said no, you have to go to a hearing. I explained I do n't have time I work too much. He said too bad its too late. Please help me with this situation. I feel helpless, I 'm willing to pay them back I just cant afford the huge payment they are requesting.
Company Response:
State: IL
Zip: 60543
Submitted Via: Web
Date Sent: 2017-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-08
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I was in the process of getting a VA refinance on X/X/2017 to pay off bills that my wife and I have accumulated and I attempted to find out the true amount and negotiate to pay off in cash a lower amount than stated. Either the collection company Transworld Systems Inc. or the XXXX XXXX, has already garnished two IRS checks and has not given us credit for this amount it has garnished after repeated attempts to get a bill or statement stating what the true amount that is rightfully owed after the garnishments. Even though I tried to negotiate a payment for the true full amount because of this fact, they would not. The amounts supposedly owed to them have gone up by thousands of dollars each month. These are loan sharking tactics. When I called the company that I owed money to, they gave me a lower amount owed but when I contacted the collection company they are asking for XXXX or more dollars over what I actually owe. Trying just to talk to the collections company was an ordeal in itself. They referred me to different departments and in the end after trying to negotiate with a person named XXXX XXXX, he gave a number to call which was the same number that I first called, and wanted me to contact someone else using the same telephone number.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-17
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: In a phone call on XXXX XXXX, 2017 two TransWorld representatives stated they will not discuss parking tickets in collections associated with a vehicle I own. They claim they can only discuss these tickets with my ex-husband, who was previously listed as an owner, in addition to myself, on the vehicle 's title. I am the only owner of the vehicle currently and have always been listed on the title. I am unable to discuss or settle my debt and as a result, will face severe material damages from being unable to legally operate my only vehicle.
Company Response:
State: WA
Zip: 984XX
Submitted Via: Web
Date Sent: 2017-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-05
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I recently obtained a copy of my credit report and seen that the company XXXX XXXX is on my report and they keep changing my balance to make it look as if I have been making payments to them, and the truth is I have not because I was unaware that they were even on my report. So I have written the company 2 times and have not received a response from them with documentation about the information that they are reporting on my credit report. I have asked them to send me something about the information that they are reporting and something with my signature. The first letter that I sent our was on XXXX and I waited 30 days and did not receive any documentation from this company nor did they update my credit report as disbuted. So I sent them another letter on XXXX, and today is XXXX and I have still not received any information from this company, nor have they marked my credit report. However they have posted as if I have made a XXXX payment for the months of XXXX, XXXX and XXXX of XXXX, which in fact I have not made any payment to them because I am unaware as to what this account is and if it s truly even my account. They then tried to sue my brother in law because they attached him to this loan, but did not send me any notiication about the law suite . And this was after the statue of limitation had passed to be able to sue him or myself for that matter.
Company Response:
State: AK
Zip: 99705
Submitted Via: Web
Date Sent: 2017-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had to return a XXXX Thermostat to XXXX XXXX in Texas for failing to compete a two year term with them as an energy provider. I returned the thermostat in the mail with the address the company provided. A company called Transworld Systems : XXXX XXXX XXXX XXXX DE XXXX Is attempting to collect {$200.00}, the value the company believe the XXXX thermostat is worth. Again, I returned the thermostat. They continue to call my home and cell phone daily and send letters attempting to collect a non-existing debt. I told them once on the phone that I returned the thermostat already, yet the problem continues.
Company Response:
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2017-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-19
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I have been trying to complain to cfpb and other various organizations about XXXX XXXX XXXX, and every so often I try again until one day you will all see how truly corrupt and what a crock they are. I have tried to contact the BBB in New York and they tell me this company does not exist and yet somehow they seem to send everyone from my generation who took out student loans into default and collections for no reason at all. All of my other student loans are in good standing and yet I am to believe that this one is the one I dropped the ball on? Now that you have gained more media attention for not providing any paperwork as to who actually owns our loans I think I 'll send this complaint one more time. I am tired of being in collections/default for over 5 years and no one has done anything about it. I took out loans in XXXX and XXXX for school and yet you fail to provide any information or requests to my emails and/or complaints or demands. Your response is always just shy of 30 days just to get you out of further action and yet the response you send on here can never be opened.
Company Response:
State: CO
Zip: 806XX
Submitted Via: Web
Date Sent: 2017-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I noticed several collections on my credit from Trans World System. They took one emergency room visit and broke it down in twenty different segments and put each one on my credit. in the amounts of {$10.00}. {$5.00} and so on. They never sent me a notice or anything they just put these errors on my credit. I am a veteran and have insurance and am on XXXX and my insurance paid my medical bills. This company really caused me a lot of harm.. I sent for validation of the debts and they are just ignoring me. this has been going on for six months
Company Response:
State: TX
Zip: 77014
Submitted Via: Web
Date Sent: 2017-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-17
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: Transworld Systems, Incorporated contacted this consumer, XXXX XXXX XXXX, on our about XXXX XXXX, 2017, in an attempt to collect an alleged debt. The communication was received without the prior consent given directly to the debt collector as defined in 15 USC 1692 c. On the communication is the consumer 's name and an account number. Within consumer law, as defined in 15 USC 1693a ( 2 ), an account means an asset. For apparent purposes of misrepresentation, the debt collector - as clearly stated on the communication - is holding an account belonging to a consumer. This is misrepresentation ( 15 USC 1692 e ) as a financial institution is defined in 15 USC 1693a ( 9 ) as any other person who, directly, or indirectly holds an account belonging to a consumer. Threats to the reputation are also stated in the communication per 15 USC 1692d 1. Assets are being held for the consumer while attempting to collect an alleged debt from the consumer. XXXX XXXX XXXX, consumer ( 15 USC 1692a ( 3 ) ), is seeking actual damages in the amount of {$25000.00} USD pursuant to 15 USC 1692 k A 1.
Company Response:
State: LA
Zip: 71105
Submitted Via: Web
Date Sent: 2017-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-18
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: These loans were taken out under coercion from my ex-husband. The only way to keep peace was to take out these loans. I was against taking these loans out. This is a case of XXXX XXXX.
Company Response:
State: TX
Zip: 75019
Submitted Via: Web
Date Sent: 2017-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A