davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

My vehicle was repossessed on XX/XX/2022 as at the date of repossession ; my unpaid payment amount was {$1700.00}. My monthly payment was {$1000.00}. I was shocked that Nissan Motor Acceptance Company LLC XXXX XXXX XXXX XXXX, Texas XXXX my vehicle. Secondly, when I called the customer representative, after the vehicle was XXXX, I was told that I will have to pay {$450.00} repossession fee to get the vehicle back, if I make the payment within XXXX days. If I am unable to make the payment within XXXX days and the vehicle is taken to auction, I will pay additional {$150.00}. I made the payment on XX/XX/2022, less than XXXX  days from the day the vehicle was repossessed ; the vehicle was never taken to auction. Nissan Motor Acceptance Company LLC, still, forced me to pay the addition {$150.00}. 
I am requesting that the repossession fee of {$600.00} be refunded to me, at the minimum {$150.00} be refunded.
Consumer complaint received 2022-10-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (GA)

Date Opened XX/XX/XXXX Date of Charge Off XX/XX/XXXX Date Purchased XX/XX/XXXX Original Creditor - Re XXXX XXXX XXXX XXXXXXXX XXXX Original Purchase Balance {$2000.00} Accured Interest and Fees {$0.00} Total Payments/ Adjustments Applied {$0.00}
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

This is not a duplicate complaint, it is another complaint since the first complaint was not handled fairly. 

As stated in the previous complaint I went to car dealerships applying for a car loan using my XXXX number. I did not provide my social security number because I did not want reporting on my personal credit. Despite that all the inquires listed below in addition to the FTC fraud report attached are inquired that are inaccurate on my credit report. Per the FCRA the information on my report must be accurate. If you disagree I would like you to provide me with any information you use to validate this debt on my credit report. 

The following Inquiries I did not authorize : XXXXXXXX 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 XXXXXXXX XXXX XXXX, XX/XX/2021 XXXX XXXX XXXX, XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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. 

XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX  Employer : XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Addresses : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, WI XXXX Public Records : XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XX/XX/XXXXXXXX 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 Collecon : XXXX XXXX XXXX XXXXXXXX Experian Addresses : XXXX XXXX XXXX XXXX XXXX, IL XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, WI XXXX Public Records XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collecons : 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 Name : XXXX XXXX XXXX Addresses XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Public Reocords : XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collectons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXX XXXX XXXX Balance Owed : {$62.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$5800.00} XXXX XXXX Balance Owed : {$670.00} XXXX XXXX XXXX Balance Owed XXXX {$3000.00}
Consumer complaint received 2022-09-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WAKEFIELD & ASSOCIATES, INC. (FL)

On XX/XX/2022 at XXXX EST WakeField & Associates Violated my rights Under 15 U.S.C 1692c Section A : of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act that states : 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 and continued Under 15 U.S.C 1692c 805 A1 at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. 

They also violated my rights under 15 U.S.C 1681 section 602 A. which states : I have the right to privacy.

And Under 15 U.S.C section 1681n section A and Section 1A states : Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} WakeField & Associates called my personal phone number WITHOUT my consent and while I was AT WORK and HARRASSED me to pay a debt, I am now vividly XXXX XXXX. The number they called me from without my consent is XXXX ( XXXX ) XXXX
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

This is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act ( Below Accounts ) Has violated my rights. 
1. XXXX XXXXXXXX XXXX  : XXXX XXXX. XXXX : XXXX XXXX. XXXX XXXX XXXX : XXXX 4. XXXX XXXXXXXX XXXX : XXXX 5. XXXX XXXX 6. XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX [ Inquiries ] 7. XXXXXXXX XXXX XXXXXXXX : XX/XX/XXXX [ Inquiry ] 8. XXXXXXXX XXXX XXXXXXXX : XX/XX/XXXX [ Inquiry ] 9. XXXX : XX/XX/XXXX [ 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 an account without my written consent/instructions.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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. 

TransUnion Employer : XXXX XXXX XXXX Addresses : XXXX XXXX  XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Name : XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Collecons XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Addresses : XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX, GA XXXX Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have been trying to complete a loan modification on my account for Months with Bank of America Mortgage, i received major conflicting information within days that makes absolutely no sense from one day to another. I can no longer handle the gross incomitance this 'Bank '' shows on a NormaXXXX basis. 

Here is what happened I applied for a RMS ( request for mortgage assistance ) for a loan modification back in Around XX/XX/2022, many months went by with no word until XX/XX/2022 when i received a letter of a " Notice of intent to foreclose '' Please note i have an active loan modification application ( dual tracking ) I called in To Bank of America at telephone Number XXXX on XX/XX/2022 at XXXX eastern time this call lasted XXXX minutes and XXXX seconds, during this phone call I was informed that the underwriter had notes from back in XXXX of XXXX  asking for additional information. I was asked to send over this info, which i did VIA fax. ( 4 months in limbo on a loan Modification ) A few days later XX/XX/2022 @ XXXX i received a call from Bank of America from the same telephone number noted above that " They have my pay stub info and now needed clarification on my Annual bonus on my pay stub '' Which i also sent out. During this time i received a substantial Pay increase at my job I was informed that i had to show more recent pay stubs showing this. Which on XX/XX/XXXX i sent. 

On XX/XX/2022 i received a phone call at XXXX from the same number again stating that the updated pay rate was received but they YET again needed info on the Annual Bonus i receive, which i sent out AGAIN. 

On XX/XX/2022 @ XXXX XXXX  XXXX i received a phone call from the same number stating that they now need an Older pay stub showing my annual bonus on when it was paid out, which i sent the same day. 

Today XX/XX/2022 i received a letter that states That they are No longer able to review my application because they didnt receive all the info requested. 

How is that even possible?? Everything has been faxed to Bank of America XXXX # XXXX I need a fix to this i can no longer handle Bank of Americas incomitance There seems to be complicate issues here to as loan mods are time sensitive
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (FL)

CFPB + Lexis Nexis, Lexis Nexis why are refusing to send me my Consumer Disclosure Report that I am allowed by law free? 

On XX/XX/2023, for maybe the XXXX time, I submitted the request online here : XXXX XXXX XXXX I then verified my identity by email and landed on a page that read " Email Confirmation request sent If you requested reports you should receive a message via XXXX Mail within XXXX weeks. '' Both of these copies will be attached to this complaint. 

I have done this before - then XXXX weeks later get a hard copy piece of mail that says you can not verify me ( see attached ). 

So, attached to this complaint will also be my drivers license that shows as well as my social security card - keep in mind these are supposed to NOT be required by law - but I am supplying them anyway so you have no excuses. 

Attached to this complaint are : - copy of my drivers license - copy of my social security card - copy of voided check for mailing address - proof from Lexis Nexis online I filled this out - email proof I confirmed the email - The letter from you that states you cant verify my identity I dont appreciate being given the run around by you over and over again to receive MY OWN Consumer Disclosure Report.
Consumer complaint received 2023-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (DC)

Today, I got an alert from a credit monitoring service that the balance on a card went up, which is not too unusual as usage fluctuates on all my open cards obviously. This notification stuck out as it was for Barclays and I have no open accounts with them. 

I had the apple financing card through Barclays since XXXX, which was a XXXX XXXX. This was then converted into the Barclays view mastercard after XXXX cut ties with them a couple years ago. I closed the view card in XXXX of XXXX. 

I log into my online account and see a XXXX charge from XXXX on XX/XX/XXXX, I now had a statement and a payment due on an account I closed and paid in full. 

I call Barclays and tell them this is not legitimate and ask why on earth they let a charge go through XXXX XXXX  after the account was closed. They then tell me this charge was not only on the closed account, but it was on the XXXX XXXX number ( back before they moved me to the mastercard ). They can not answer why their system is set up to accept charges on closed accounts. They issued me a provisional credit while they " investigate '' the fraud claim. 

Barclays let a charge go through on a closed account ( not recently either ) from an old card number ( and different network entirely ) when I had " XXXX '' available credit ( according to their automated system. My credit reports also show this account is open again and has a balance, neither of which should have happened. 

I can not provide the CFPB with the account number as it has been closed XXXX years and I no longer have the card.
Consumer complaint received 2022-11-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Business and Consumer Solutions. (AZ)

This medical place did not send yo all my insurances that i had at the time. Plus after they do this and i have proof of what is paid from ALL insurance including XXXX and the job i had at the time. Then i can set up a payment an and even if i have to work 2 jobs to get this taken care of
Consumer complaint received 2022-12-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc (WA)

Have XXXX cards with Venmo. Was unable to regain access due to XXXX as a result of my XXXX phone services being disconnected due to XXXX Venmo was unable to authenticate the account as I did not have access to this phone number and as a result I was unable to close the accounts.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX FCU Account Number : XXXX XXXX XXXX Bankruptcy Case Number : XXXX XXXXXXXX Account Number : XXXXXXXX XXXX CREDIT UNION Account Number : XXXX FIRST XXXX BANK Account Number : XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX SRVC 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting Act, XXXX in the amount {$530.00} last reported XX/XX/2022, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNTS that end in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Consumer complaint received 2022-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Hello, Bank of America sent me a promotional offer, providing an incentive if I made a purchase on my card and opted into a new rewards program. I did so, but was not informed/ received no disclosure stating that if I made a purchase with my account- which had a 'balance transfer ' balance - that I would receive no interest grace period on this purchase. I was charged interest the day of the purchase, which to me seems like misleading advertising based on my expectations as a consumer. 
Thank you for your attention to this. 
Regards, XXXX
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX, XXXX - Report my student loans all closed, however, they don't say Paid, or Paid as agreed, I want them to reflect the correct status- They still got paid, they should reflect paid, and the age of each credit line should be properly reported, I also request they send an updated report to each of my recent inquiries for this month, with a letter detailing their error. ( copy to me as well ) Nextly as a Member and CEO of a separate entity corporation with its own established credit I wish to make it clear.. any further acts of ANTITRUST violations regarding, discrimination against my company by sharing my personal credit without my express written permission are NOT authorized. my personal credit is proving hard to rebuild after my being a victim of Identity theft in the past. their action has cost me Increased fees and elevated insurance premiums and is also violating XXXX XXXX. I am relaunching my firm after covid and applying for Asset-based corporate credit and financing - No personal guarantee is needed, so they need to stop sharing my personal information without consent. I provide my Id and have a credit call to verify my identity prior to opening any accounts,