Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft .After reaching out to the bureaus on numerous occasions I strongly feel as if this is my last resort. I am currently in the process of filing a lawsuit against the XXXX, Equifax and XXXX. My Lawyer ( XXXX XXXX ) of XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NV XXXX has reviewed my case. In his investigation, he found several breaches in the FCRA that Equifax, XXXX and XXXX were in non compliance due to my identity theft issues. I have detail certified mail documentation along with a police report that was faxed and mailed in to each bureau. This has taken a toll on my wife and kids and put us in a financial bind. I was also almost arrested because someone used my name and info to commit a white collar crime. 

Here are a list of the fraudulent accounts per bureau : XXXX XXXX XXXXXX/XX/XXXXXXXX {$300.00} XXXX XXXX XX/XX/XXXXXXXX {$300.00} XXXX XXXX  XX/XX/XXXXXXXX {$300.00} XXXX XXXX XXXX XX/XX/XXXX{$1900.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$5100.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$1200.00} Inquires XXXX resident   scre XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX  XX/XX/XXXXXXXX XXXX fXX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX XXXX {$300.00} XXXX XXXX XX/XX/XXXX XXXX {$300.00} XXXX XXXX  XX/XX/XXXX XXXX {$300.00} XXXX  XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$5100.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$6300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$5100.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Her is a list of all the fraudulent accounts and inquires that took place on my credit profile. 

In my pending lawsuit if I decided to proceed, contingent on the immediate removal of the fraudulent accounts and inquires. We have name the following indiviuals in our civil case against each bureau XXXX XXXX XXXX NCAC operations Supervisor XXXX   XXXX XXXX CEO XXXX XXXX XXXX XXXX XXXX Vice president and associate general counsel EQUIFAX XXXX XXXX Senior vice president XXXX XXXX ID theft XXXX XXXX Vice President and group counsel XXXX XXXX XXXX XXXX Corporate Vice president Chief legal officer XXXX XXXX XXXX Executive Vice President XXXX XXXX XXXX Director of fraud and identity management XXXX XXXX Exec VP Secretary gen counsel XXXX XXXX senior attorney XXXX XXXX Vice president and division general counsel regulatory These individuals will be named in my lawsuit if accounts are not removed immediately, Thank you
Complaint sub-issue: Was not notified of investigation status or results

I have new updated exhibits and information on Equifax latest response! 

I Demanded Equifax to explain IN DETAIL the PROCEDURES and METHODS USED to verified these alleged inquires on my consumer report! And Equifax IGNORED & DID NOT EXPLAIN what PROCEDURES and METHODS WERE USED! Equifax is STILL violating my consumer rights pursuant to 15 usc 1681i ( a ) ( 6 ) & 15 usc 1681 ( a ) ( 6 ) ( B ) ( iii )
Complaint sub-issue: Can't stop withdrawals from your account

The CitiBank fraudulently kept charging my accoount monthy service bogus charge fees that has never been disclosed to me upon opening my account in person at the branch. Few times I asked the branch assistant manager about possible recurring account monthly charges every month, she stated ''NO '', moreover she rest assured me about free of charge type of the account the way it was set up. The bank deceived and defrauded me by committing evident consumer fraud. I am surprised on most of banks and creditors predatory practices that are literally operating out of control.
Complaint sub-issue: Company closed your account

XXXX Purpose : Please give me my interest XXXX points. 

My PREFERRED credit card was closed on XX/XX/XXXX by Citibank, but my interest was XXXX points after negotiations they refused to give me, now asking CFPB to help solve. 

I 'm sorry I do not speak XXXX too, I need XXXX help Above from : XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

The company has added all types of fees to each of my accounts, hundred of dollars. When I ask for a itemized list of charges, they send a total of what I owe, that is it. They ignore my letters and phone calls. They have lied in court about total amt. of debt. I have received nothing but false totals since I started with them. I just want correct totals so I can pay and close the files and start anew. Please help, nothing I say has changed this company policy on how they go about collecting there debts. I have been paying monthly and still they garnished all bank accts. even my childrens ( where they got the bulk of monies ) and them while paying monthly still went ahead and garnished my wages. This is bullying me to pay more money then I have. Not a nice company at all.
Complaint sub-issue: Account information incorrect

When I opened the Money lion account and got a loan with them in XX/XX/XXXX, shortly after, my bank card that they automatically withdraw fees/payment from was compromised. I immediately reached out to them through their app, and updated the payment method. When I saw it did not automatically withdraw on the due date I called them to see why. They told me it had not updated in their system and that they would waive any late fees if I just paid right then. So I paid all of the payments right then. After updating my payment method over the phone with a person, I never had any issues with payments being taken out of my account and was paid in full by XX/XX/XXXX. I recently got a subscription for experian and saw they were reporting I was late more than 30 days almost 6 months in a row. This was impossible! I reached out to them and they would not remove this from my credit report, and said I would have to dispute it. They have still not removed this inaccuracies to this date.
Complaint sub-issue: Transaction was not authorized

ON XX/XX/XXXX I WENT TO ATM MACHINE AT PNC BANK ON XXXX XXXX, XXXX, OH. I ONLY HAD A TOTAL OF XXXX IN THERE, OF WHICH I WITHDREW XXXX LEAVING ME A BALANCE OF XXXX. I DISCOVERED TWO HOURS LATER TWO TRANSACTIONS FRO XXXX TOTAL XXXX WERE REFLECTING ON MY PNC CHECKING ACCOUNT. THIS IS IMPOSSIBLE, I HAVE A RECEIPT SHOWING WHAT WAS DISPENSED, AND THAT ONLY ONE TRANSACTION WAS MADE. THE MACHINE HAS CAMERAS, THE BANK HAS THEM AS WELL, AND NO ATM MACHINE IS GOING TO DISPENSE XXXX TO A PERSON WITH ONLY XXXX IN THERE. THEY REFUSE TO LOOK AT THIS, REFUSE TO FIX THIS, INSTEAD TELL ME I WILL BE PUNISHED FOR THIS AS IT CANT BE DISPUTED FOR 14 DAYS, AND IN THE MEAN TIME I WILL ACCURE NSF FEES DAILY, AND MY FUTURE DIRECT DEPOSITS WILL BE TAKEN AND APPLIED TO THE DUAL WITHDRAW THAT NEVER HAPPENED. THE SECOND TRANSACTION HAPPENED PER PNC 12 SECONDS AFTER THE FIRST ONE. I AM LIVID, I HAVE BILLS TO PAY, I AM NOT PAYING FOR SOMETHING THAT NEVER HAPPENED! I DEMAND MY ACCOUNT FIXED APPROPRIATELY, AND MY CREDIT I HAVE OF XXXX TO GO BACK TO MY ACCOUNT RIGHT AWAY.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, has violated my rights 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
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, PNC XXXX  XXXX  add a hard inquiry on my credit report per XXXX 
On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX 
On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Public record information inaccurate

I submitted an online dispute with Equifax on XX/XX/2019 disputing my name as reporting inaccurate a Bankruptcy listed in the public records section of my credit report. They continue to report this Bankruptcy on my credit report after I showed them proof of how my name was inaccurate based of a credit report that I received from a 3rd party company named XXXX XXXX whom which they verify information with.
Complaint sub-issue: Problem accessing account

" MULTIPLE PROBLEMS WITH A CITIBANK , N.A . IN U.S.A. AND IN THE XXXX. ". I HAD BEEN TOURING AS A RETURN RESIDE T IN XXXX WHEN I LOST POSSESSION OF MY CITIBANK BEBIT MASTERCARD IN XX/XX/2018. ON XX/XX/2018 ;. I REPORTED TO THE CITIBANK RESOLUTION FOR ESCALTION TEAM TO TAKE INTO CONSIDERATION, MAILING MY LOST ITEM ( PERSONAL BANKING CARD ) REPLACEMENT FOR MY IMMEDIATE HELP. IT NEVER HAPPENED. MANY PROMISES WERE MADE AS I AWAITED IN ONE HOTEL FOR IT WAS MAILED ACCORDING TO CITIBANKING AGENT ;. THEN IT WAS RETURNED ACCORDING TO ANOTHER AGENTS BECAUSE  OF LACK OF ZIP CODING AND ISSUES FINDING THE HOTEL, 'A PLACE OF BUSINESS IN XXXX TRANSACTING EVEN OVERSEAS WITH XXXX MAIL SERVICES, ETC. ". 
" I KEPT IN CONSTANT CONTACT WITH CITIBANK BECAUSE I HAD THE INTENTION IF RESIDING IN XXXX, XXXX XXXX OF THE XXXX AND WAS UNABLE TO FIND A SUITABLE HOME FOR RENT OR PURCHASE ;. IF CONSIDERED WITHOUT ACCESS TO MY FINANCIAL INSTITUTION AND CITIBANK 'S PERDONAL ACCOUNT FUNDS. '' " I HAD NOT BEEN SUCESSFUL WITH USE OF ONLY A DEBIT CARD FROM ANOTHER DEPOSIT ACCOUNT ''. " ANOTHER OBDTACLE WAS THE FACT THAT I HAD NO ACCESS TO STORE MY " XXXX  '' AT ANY FAMILIES HOME THEY WERE ALWAYS KEPT AT THE XXXX XXXX XXXX XXXX XXXX AT XXXX XXXX. '' " I HAVE NOW RETURNED TO YHE UNITED STATES WITH NEEDS OF ACCESSING MY FUNDS FROM CITIBANK LOCAL FINANCIAL INSTITUTION ''. 
". AT THIS TIME, ALL I HAVE BEEN ADVISED BY AN EXPORT MANAGER IS THAT MY HOUSEHOLD GOODS " HHG '' ARE IN THE U.S.A. IT IS UNDER THE CONTROL OF A BROKER COMPANY, XXXX XXXX XXXX And XXXX XXXXXXXX XXXX XXXXXXXX. ". I AM BEING REQUESTED TO MAKE PAYMENT BY BANK ACCOUNT ONLY BUT HAD NO ACCOUNT TO DRAWN ON. NONETHELESS, I OPENED AN ACCOUNT WITH ANOTHER FINANCIAL INSTITUTION CALLED XXXX XXXX. HOWEVER, THIS ACCOUNT IS NOT EXACTLY ACCESSIBLE TO ME AS MY DEBIT CARD WAS CLOSED. FUTHERMORE, IT IS UNDERGOING REVIEW AS A RESULT OF UNK. REASONS. '' 1 ) " CITIBANK HAS NO FINANCIAL INSTITUTIONS IN THE STATES OF MISSISSIPPI AND TEXAS, currently ONLY ATM outlets ''. 
2 ) " CITIBANK HAS ALSO REFUSED TO ALLOW THE REISSUANCE OF A NEW BANK CARD TO MY CURRENT ADDRESS IN THE U.S.A. '' 3 ). " I WAS TOLD THAT I MUST RETURN TO ANY UNITED STATES OF AMERICA FOR IDENTIFICATION PURPOSES. I ASKED IF ANY OF THE 50 U.S.A. STATES WOULD DO, AND YES I WAS TOLD. '' " THESE ARE THE REASONS THAT I NEED IMMEDIATE ACCESS TO MY PERSONAL CHECKINGS ACCOUNTS WITH CITIBANK TO OBTAIN MY FUNDS.
Complaint sub-issue: Problem with fees charged

On XX/XX/19 I XXXX XXXX contacted XXXX XXXX to retrieve my property and work tools ( massage table ) ( Massage Chair ) both were taken out of my vehicle and are being held for ransom by Regios Inc, they will not allow me to retrieve my property, This is an illegal being committed. I tried to speak to the manager but after a short conversation she hung up the phone on me and ignored my calls when I tried to reach her again, she was very rude and unprofessional.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/XXXX, my checking account was compromised. Someone other then me deposited a check in the amount of {$6800.00}, through a teller with a fake Florida identification and withdrew {$3000.00} on the very same day. 

Citibank allowed for the check to be processed without properly verifying the identity of the person, Citibank already made the admission the the suspect used a fake identification yet they processed the fraudulent deposit with careless disregard. The check was from a payroll company. Citibank is fully aware that i never worked for the company because i get direct deposit from employer XXXX XXXX and not the company reflecting the check. Upon reviewing the fraudulent check and false identification, Citibank should have called law enforcement instead they handed over {$3000.00} to the suspect. 

It was also out of character that Citibank released {$3000.00} to the suspect, again without properly verifying the account. 

On XX/XX/XXXX, XXXX XXXX made a payroll deposit to my account in the amount of {$1900.00}, on which they kept. According to CItibank they are going to keep my funds alleging that it was my fault for not keeping my personal information safely???? 

It is more than obvious that Citibank made a huge mistake when handling a fraudulent transaction and worse to have kept my payroll funds on which i nearly got evicted because i could not pay my creditors. 

On XX/XX/XXXX, correspondence was sent to Citibank to no avail. I included copies of letters from IRS where it reflects i was a victim of identity theft in the past. Also a copy of police report reflecting that my driver 's license and social security card were stolen when visiting my mothers house located at XXXX XXXX XXXX XXXX XXXX. XXXX FL XXXX. See attached copy of IRS letter and police report. Yet Citibank refused to release my payroll funds causing me a great financial hardship when i live from pay-check to paycheck like many in our Country.
Complaint sub-issue: Account information incorrect

I'm a victim of fraud and I sued Bank of the West. I was first offered a settlement by XXXX XXXX, which she reneged on.. 

Apparently I'm now being offered another settlement, but, the law firm that Bank of the West hired is too sexist to deal with. XXXX XXXX XXXX XXXX. I don't understand how to talk to a law firm that has all female support staff and the lack of ethnic minorities in management is baffling. 

This level of sexism and discrimination is something that I've never, ever seen. I never even conceived of this situation before now. I don't know what to do. I'm being denied a settlement and am being treated differently because I don't know how to deal with sexism in practice.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information is not mine

I am a victim of identity theft. I have attached documentation. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. Later, XXXX had another leak related to a XXXX account which gave away my information again. I have attached documentation. Several accounts were opened in my name as well as several inquiries. I disputed the following inquiries and the company responded saying that inquiries had to be addressed directly with the creditor. I mailed each creditor and did not receive a response. I found incorrect information on my credit file and I disputed this directly with the creditor and the credit reporting agency and no investigation was ever made. I followed the rules under the Fair Credit Reporting Act and this agency has not honored my right to dispute the following inquires : AN # XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX AN # XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX
Complaint sub-issue: Non-sufficient funds and associated fees

Midfist provided temporary credit for a dispute, no notice was provided when it was reversed. They credit my account again. I called and I was told it was final. I called the branch amd was told I would get a call. Never got the call back. They then debited my account again. Again with no notice and after I was told it was final. I at this point am so confused and feel I am missing {$350.00}. This bank has caused an a massive amount if stress and inconveince. I have children to take care of and I feel they think it is ok. Just to mess with peoples accounts ans they take no responsibility to the stress and confussion they have caused. I believe they are breaking regulations and they need to be investigated.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Complaint sub-issue: Problem with customer service

I filed bankruptcy two year ago in XX/XX/2018. Since then I have not heard from Sallie Mae loan company regarding my private student loans. Yesterday I received an email from XXXX XXXX  saying that my Sallie Mae loans are going to collections. I tried to log on the website to make a payment plan or speak to a representative about it and it said my account was disabled. So I called the customer service hotline yesterday and today and as soon as I put in my account information it tells me that nobody is in the office to speak to me. And their business hours are open at the time I make the calls. So Im struggling to get ahold of this company to figure out this issue and its like theyre ignoring me. Im not sure what to do because they dont have any other way of contact besides that hotline and as I said I cant get ahold of them.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I made a purchase with XXXX and they did not deliver the goods as promised on the date expected thus items were returned. XXXX continued to charge my card after the items were returned. I disputed these charges with my credit card company and they were initially reversed however they were added back on at a later date.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX XXXX a ), It states that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Complaint sub-issue: Information is not mine

I contacted all XXXX bureaus regarding fraudulent access to my credit file but only XXXX have fraud alert on them because XXXX was giving me a hard time. I have hard inquires on my file which was not authorized. I was informed that I must contact the companies to remove the inquires. After I did what I was informed, the companies informed me that they do not have anything in there system with my information. It 's ridiculous how I have a fraud alert on my credit report yet these companies can have access to my credit report. Who is protecting my information? Why did equifax allow such numerous companies and some more than once access my report without my authorization. I request that each inquire get removed and I request that an update credit report reflecting such changes.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. My XXXX XXXX XXXX XXXX credit account # : XXXX is lost/stolen and has over {$22000.00} in fraudulent charges/transactions that arent my charges. My XXXX XXXX/XXXX XXXX XXXX XXXX XXXX credit card account has {$500.00} in fraudulent charges/transactions. The {$500.00} is fraudulent charges/transactions and arent my charges.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I settled with my mortgage company on the short sale of my home. An amount was agreed upon but no timeframe or monthly amount due was part of the agreement. Only that the debt will be paid in a reasonable time. Dyck Oneal purchased this debt and converted it into a monthly payment with a fixed term without my consent. If payment is considered late by them, a negative remark is placed on my credit report. Constant phone calls are made to my home and relatives asking when payment will be made. My credit is now damaged by this company and causing financial hardship.