Uplift, Inc CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
11/25/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95206	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficieant of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, 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 item from the 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 reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. UPLIFTINC & {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX
11/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30044	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, 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 item from the 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 reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. UPLIFTINC & {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
04/10/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	FL XXXXX	Web
Uplift is engaging in : unfair and deceptive trade practices ; does not safeguard PII of its customers ; and gives the appearance of legal/law compliance but does not operate within compliance. I called Uplifts customer service after my credit card that I make monthly payments on was declined, as the card was compromised and the issuing bank sent me another one. I called after several of my emails were shuffled around with no resolve and getting nowhere unable to find anyone with common sense via email. After holding on the phone to speak with someone for over an hour, I finally talked to a rep around XXXX on XX/XX/2020. I had concerns with Uplifts customer service to begin with and called to speak with someone in person. I purposely gave incorrect info when the rep asked to validate my account ; as I was considering giving them updated information, eager to see if the phone support was any better and no ... it was worse. The rep I spoke with actually didnt validate the account and proceeded to verbally give me my social security number from the system and tell me what she had on file! Seriously? In an era of rampant identity theft, their rep gives me my own social security number, especially when my account was not validated?? WOW! The incompetence of this rep was unbelievable. I have been trying to update my credit card number that was compromised for days. When the bank sent me a new one, I called to provide the new card info to their reps for payment. I was told I could no longer use my credit card and had to give them my bank account information or debit card info. For Uplift to assume that everyone has a bank account or debit card is idiotic. Not everyone does, regardless of income. Secondly, I have both ( despite being none of their business ) but I do not provide this info freely to anyone. Especially not now, to a company that has proven to have unsecured business practices and does not safeguard my PII by hiring idiots that do not take security seriously. Lastly, when I signed up for Uplifts services I agreed to pay with my credit card that I entered in my agreement with them. I honestly do not care what they choose to do moving forward with new customers but that is not what I was in agreement to do when I signed up with them initially. For them to arbitrarily change the policy without notice to existing clientele and expect people to just deal with it? I think not. They claim notice was sent to me on XX/XX/2020 ; however, no notice could be found on my email server or reproduced by Uplift. I would have never used their services if I had to be bound to pay by debit card or ACH. They are essentially forcing people to use a payment method that they may not even have or feel comfortable giving you ; which could arguably be viewed as forcing some of your customers to default by no fault of their own. That is rather unfair and deceptive by many standards. My point is ... when I signed up I used a credit card and that is how I was allowed to pay Uplift ; the new terms are not reasonable and I have not been provided with such notice about their refusal to accept credit cards any longer ( regardless of what they may think or say ). XXXX XXXX ( the General Counsel and Chief Compliance Officer of Uplift , Inc ) excuse was that some issuing banks were posting Uplifts charges as cash advances and not charging as a traditional credit card item. Although, I can note his point ; I am not concerned with what some issuing banks were doing as it was the companys job to mitigate or address those issues independently with those that were affected or think through these issues beforehand. They can paint the picture as theyd like but I know based on the complaints many have openly documented with Uplift ; the fact that Uplift was susceptible to chargebacks and risk exposure. The change in policy had nothing to do with looking out for the best interest of their customers. It was for their best interest due to customers charging back after they got pissy customer service and could get no real assistance from Uplifts customer service department ( which has proven to lack a lot ). As we all know, the safeguards and protections provided with credit card payments diminish and/or are not existent with the payment methods they are forcing their customers to use. All of their payment methods involve exposure to my personal banking information to a company that can not even safeguard my social security information. Another issue of concern is that when I attempted to raise these concerns with Uplift, I ccd their legal department a few times at XXXX and the email bounced back. How is the email address that they have listed on their site for legal/law enforcement not functional if they operate within compliance? Uplifts operations are shady and deceptive on all fronts. I strongly encourage you to see the numerous complaints about their unfair and deceptive trade practices here ( many complaints about absurd interest rates up to 98 % ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Before filing my complaint with the Attorney General in all areas they do business in, I offered Uplift the opportunity to resolve this beforehand and all I received were excuses and no accountability whatsoever. Uplift has proven to engage in unfair and deceptive trade practices ; does not safeguard PII of its customers ; and gives the appearance of legal/law compliance but does not operate within compliance.
05/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	MD 20785	Web
I summited a previous complaint on XXXX that was not addressed nor resolved. My complaint was as follows : I've had the absolute worst experience with this company during the past 2 months. First and foremost my account was disabled after I made several complaints without any sufficient reason. When I call about it I am given a standard generic response. My accounts were in good standing and paid in full and a few months in advance. I was told to double check my XXXX information and when I called them, they said everything I had was accurate. The address was then updated and yet I still could not process an application even after it says correct the information from your XXXX which was only an address they suddenly changed. After numerous emails I was told it was disabled and no longer can use their services and they could NOT provide a reason. I've had 5 loans and now I get this issue after several complaints and my account is disabled. You can not reach a live person unless you call from a # that is not registered with an account, if you call from a recognized # it is only automated with generic responses. Secondly, my credit report ( XXXX ) still has balances on all my account since XXXX of this year even though they are all paid in full since XXXX and XXXX. I've reached out several times and keep getting told the same generic information which does NOT apply to this situation. It's now XX/XX/XXXX and ALL the accounts still show on XXXX with balances and they should all be at 0. These accounts have not been updated on the consumer report since XX/XX/22 which is CLEARY over 1 1/2 months ago. It's ridiculous and poor service. THEIR RESPONSE ON XXXX WAS THIS : COMPANY BACKGROUND - Uplift , Inc. is a XXXX company based in XXXX, California. We facilitate loans for travelers paying for airfare, cruise tickets, hotel stays, and the like. Most loans, like XXXX XXXX, are originated by XXXX Bank, Member FDIC ( XXXX ) and serviced by Uplift. Uplift also purchases loans from XXXX. SUMMARY - According to our records, XXXX XXXX has taken out five loans through UplifXXXX and has paid them all off. XXXX XXXX complains that her XXXX credit report still reflects balances on her Uplift accounts, though they have been paid in full. We report to XXXX, and have reported to XXXX that XXXX XXXX has paid off her loans. In our experience, there may be some delay for XXXX to update reported information. We note that XXXX XXXX provided screenshots from XXXX XXXX. We do not provide information to XXXX XXXX, and have no control over the information that XXXX XXXX chooses to display. We have received prior complaints that information we have reported to credit-reported bureaus was not displayed accurately on XXXX XXXX XXXX and we have no way to address this. XXXX XXXX has also complained that Uplift has disabled her account. We internally investigated XXXX XXXX complaints about her account being disabled, and determined that XXXX XXXX account was blocked, apparently as a result of human error. We have been unable to figure out how or why this happened, but we have removed the block on her account and she should be able to once again use her Uplift account. We apologize for any inconvenience that this may have caused XXXX XXXX, and we appreciate her past trust in us. STEPS TAKEN TO RESPOND TO COMPLAINT - XXXX XXXX did reach out to us prior to filing her complaint and we did not do the best job that we could have in addressing her complaints at the time that they arose. We hope getting her account working again is a good resolution for her. FOLLOW-UP ACTIONS OR PLANNED FOLLOW-UP ACTIONS- We have unblocked XXXX XXXX account as requested and confirmed that her credit reporting shows that her loans have been paid off and closed. XXXX is still showing a balance and my account IS NOT UNLOCKED : Hi XXXX, Based on the information you provided, your application is not a match with the credit criteria used to establish eligibility. Dont let that keep you from traveling! There are a couple things you might want to try : Double-check the information you provided and make sure its correct. If youre traveling as a group, have another member of your party 18 or older to apply. You can always use a different payment method as well. If you would like additional information on our decision regarding your loan application, click here. Thank you for your interest in Uplift, The Uplift Team ( XXXX ) XXXX XXXX ********* I have complained so many times and NOTHING HAS BEEN RESOLVED!
08/12/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 33615	Web
On XX/XX/XXXX I purchased an XX/XX/XXXX XXXX XXXX cruise through XXXX for my family of XXXX. My work had announced an annual bonus for XXXX to be paid in XXXX sometime. So I booked using the advertised lender Uplift. The interest was really high but I figured Id pay it off sooner with the bonus money when it came in ... Only Covid-19 happened and my income went down so I stuck with the monthly payments. XXXX XXXX eventually canceled our cruise. They offered 100 % refund or 125 % Future Cruise Credit. I called Uplift to inquire about these options worried about the interest wiping out the benefits of the 125 % future cruise credit. I also looked up future cruises but they were more than 125 % the cost I paid for our cruise because one of my children would no longer qualify for kids sail free and that made XXXX adults XXXX child so bogo promo was not favorable either. Uplift said they were waiting on the email notification with the offer for the cancellation and terms. They said not to worry about interest or payments I could stop my monthly payments without worry or hassle as soon as they got the confirmation that the cruise was cancelled and the terms of reimbursement. Once they received the funds for reimbursement theyd pay them out to me. On XX/XX/XXXX they received the first adjustment of {$2200.00} and sent me a reimbursement of {$950.00}. I was confused because this was not 100 % of the cruise cost or what I paid. The cruise cost {$2600.00}. I paid {$1400.00}. So I called and emailed all three companies. I was told that they had up to 90 days to reimburse me the 100 % and that was just a first partial payment to Uplift and I most likely the taxes and port fees would still be paid back at a later date. To call after XX/XX/XXXX which was 90 days if I didnt get the full 100 % reimbursement. On XX/XX/XXXX Uplift got another {$280.00} and sent that out to me. So Uplift received {$2500.00} of the {$2600.00} paid for the cruise and they reimbursed me {$1200.00} of the {$1400.00}. I feel that I am still owed {$230.00} from Uplift to make good in the promise of 100 % full refund. Again, not understanding why I didnt get the full 100 % reimbursement promised to me with the 2 options presented to me and after asking questions via phone and email so I could make a fair and sound decision based on information presented to me I called XXXX and Uplift XX/XX/XXXX. XXXX XXXX was not clear or transparent on their offers of 100 % rebate vs 125 % future cruise credit and the consumer costs associated with them and they are not flexible to change terms now that I have answers that I should have had when I made the decision and I was diligent in trying to get the information before making the decision. XXXX says they paid Uplift 100 % of the funds XXXX paid them except a {$24.00} processing fee and Uplift says they are not giving back 100 % they are still charging the origination fee {$39.00} and the interest that accrued up until the cruise was canceled {$160.00}. I asked these question was not told this information had I known this I may have taken the 125 % future cruise credit because I was paying a lot of money for something I did not get and I wouldnt be getting back 100 % Id actually be getting back 84.17 %. They got paid handsomely for a product/service I did not get delivered and they were dishonest at the several points of inquiry. If Uplift wasnt going to honor the 100 % reimbursement and they were going to charge me fees and interest then Id like to have the opportunity to have the option for the 125 % with XXXX only they wont allow you to change your option once selected. And XXXX was the same about their fee. I also noticed Uplift on the XXXX list they get the opportunity for a forgivable loan and dont do the same for consumers thats really disheartening.
05/16/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	IA XXXXX	Web
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINICIPAL IS NOTICE TO AGENT XXXX you are furnishing inaccurate and incorrect information to the consumer reporting agencies. XXXX XXXX XXXX - XXXX The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood As defined by the IRS Even if you didnt receive a form 1099-C, you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By Definition The IRS clearly says a cancelled or charge off is income. The reporting of this account as a debt is inaccurate. Section 166 ( a ) ( 1 ) of the Internal Revenue Code allows a deduction for a debt that becomes worthless during the taxable year. In addition, 166 ( a ) ( 2 ) permits a deduction for partially worthless debts if the taxpayer charges off an appropriate amount on the taxpayer 's books and records and the Internal Revenue Service is satisfied that the debt is recoverable only in part. XXXX XXXX XXXX - XXXX is being reported as a charge off, therefore according to the IRS it is considered income, so why is it still on my credit report? 15 U.S Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact PROHIBITION : a law or regulation forbidding something 15 USC 1681 s-2 says you XXXX are a furnisher of information to a consumer reporting agency. YOU ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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. If you continue to report this account this is considered willful noncompliance. 15 USC 1681 s-2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if - ( i ) the person has been notified by the consumer, at the address specified by the person for such notices the specific information is inaccurate ; and ( ii ) the information is in fact inaccurate. In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information XXXX XXXX XXXX - XXXX is in fact inaccurate. The continued reporting of this inaccurate information is a clear violation of the law XXXX XXXX XXXX XXXX of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This a final opportunity to cure and delete this erroneous inaccurate account from my consumer report.
11/05/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	SC 29501	Web
On XX/XX/XXXX, I financed a trip with XXXX through Uplift for a total of {$1600.00}. The first payment was made on the same day with a credit card ending in XXXX for {$150.00}. On XX/XX/XXXX, a second payment was made for {$150.00} using credit card ending in XXXX. On XX/XX/XXXX, the remaining balance for {$1300.00} was paid using card ending in XXXX. Due to Covid, my trip with XXXX was cancelled and a refund for {$800.00} was received by Uplift on XX/XX/XXXX. Per notes on XX/XX/XXXX, that same amount was refunded. On XX/XX/XXXX, I received an email from Uplift advising my refund for {$800.00} has been processed and to allow 2 to 3 business days for funds to be received by the original form of payment. Because of the three cards used when making payments, I was never told that those payments would be split into three payments until I spoke with someone on XX/XX/XXXX. I was then told that all payments would be sent back to the original forms of payment. As of XX/XX/XXXX, refunds for {$150.00} have been credited back to cards ending in XXXX and XXXX. I called on XX/XX/XXXX and spoke with someone who advised me that the remaining payment for {$490.00} was rejected by my bank. I contacted the bank who advised they have no record of a rejected refunds. I contacted Uplift again and spoke with a supervisor who insisted on telling me that my payment for {$490.00} was rejected by their vendor who processes their refunds and the normal process is if transactions were more than 120 days, the refunds would be sent to XXXX. I did advise her that the first 2 payments for {$150.00} were credited back and they were older than the {$490.00}. She still proceeded to tell me that their was nothing she could do because she does not get a reason as to why a vendor rejects crediting a refund to the original form of payment but confirmed different vendors were used to process my refund. I expressed dissatisfaction over the process as Uplift does not make sure that the rules are the same across the board when handling payments/refunds due to vendors they pay to represent their company. I was told I have to wait an additional 2 to 3 days to receive an email from XXXX just for them to obtain my account information and then I have to wait additional time for them to process and send my refund. Due to the incorrect information received, my refund is being delayed outside of the normal timeframe I was advised of receiving my total refund for {$800.00}. The Director of Customer Service contacted me on XX/XX/XXXX by email to advise of the same information after I submitted a complaint to the XX/XX/XXXX. She offered me an insulting {$25.00} XXXX gift card but never offered to assist in resolving my refund but yet advised me that my refund would not be processed to XXXX until XX/XX/XXXX. Uplift 's business practices are not the same in the refund process as they use different vendors but allow the vendors to make their own rules instead of representing Uplift as a whole. As a consumer, I am entitled for my issue to be resolved and Uplift has not attempted to resolve this issue. I have requested by refund for {$490.00} and interest fees for {$250.00} to be refunded as Uplift did not explain over the phone nor through email their refund policy when payments are over 120 days old. The policy is also not stated in the loan agreement that I signed with Uplift.
12/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	NY 11207	Web
Yesterday, XXXX XXXX XXXX I was notified via XXXX XXXX that XXXX dropped my otherwise good credit score by XXXX points! Shocked at this revelation, I immediately looked into my credit report to discover that UPLIFT, a loan installment company, reported me late for {$4.00} of residual interest left over from a loan I had satisfied in XXXXXXXX XXXX. Needless to say, I was shocked that I even had a balance with UPLIFT and that they ruined my credit score for {$4.00}. When I called UPLIFT to inquire about the sixty-day-late credit reporting, they said that my loan, which I paid in installments on time in five amounts of XXXX had accrued interest. I was told by the representative that the final payment that I made of {$850.00}, which was slightly hire than the other months, was my final payment and that I would be paid off for the loan. Why hadn't all the interest been applied then? At no point and time was I told to look out for any residual accrued interest ... at all. In fact, my the online portal showed me paid off at the time of my last payment. I spoke to a representative and a supervisor at UPLIFT who were very indifferent and told me that they had sent emails. With SPAM and all of the junk email I get, I didn't see these emails, especially since I hadn't been looking for anything from UPLIFT because I had paid the last installment. I asked why they hadn't notified me by other means like ; via cell phone, sms message, or US mail if I had not been reachable. Surely, I would've paid the {$4.00} immediately if I'd know it was outstanding rather than ruin my good credit that I've always taken pride in maintaining for many years. They're response was that they only notify by email and that only some customers will receive an SMS in addition ; how they determined who gets the secondary notification is beyond me. I'm shocked, despondent and in total disbelief that a company who I had been in very good standing with in paying all of my installments as agreed, would seek to ruin my credit for a mere {$4.00}, the price of a cup of coffee, moreover, without giving me a fair chance to resolve this very insignificant amount. It is not fair that I suffer a hurt credit score for seven years because I didn't know that an account I paid off accrued {$4.00} of interest.
10/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30144	Web
ACTIONS BY ME : XXXX was notified by email and alert from XXXX- ( A new account was opened ) from UPLIFT , Inc. Opened XX/XX/23, Amount XXXX XXXXXXXX pulled my XXXX report and filed a dispute XXXX UPLIFT , Inc advising ID Theft XXXX XXXX-I placed a FREEZE on my XXXX credit report. XXXX UPLIFT , Inc spoke with Customer XXXX advising them of ID Theft, as I did not voluntarily open credit for myself or for anyone else with UPLIFT. I verified my personal information with them. XXXX made follow up call with UPLIFT, Inc- no one would give me any information. XXXX-Received email from UPLIFT, to fill out an ID THEFT AFFIDAVIT form to download and submit back to them. The Affidavit form would not download to an acceptable PDF. I called back to inform them of the trouble I was having, they said no problem just email it back to XXXX from the XXXX XXXX. XXXX I called XXXX to informed that I was having a difficult time with Uplift , Inc that I asked to speak with XXXX or someone in the XXXX Dept and all I get was voicemail stating to leave a message and someone will call me back..NEVER RECEIVE A CALL. XXXX Called UPLIFT for an update, once again nothing! Except for a the person 's name and credit was use for XXXX XXXX XXXX XXXX. XXXX-Received response from disputeXXXX Uplift , Inc reports that this account belongs to me. Uplift , Inc is allowing bad credit practices, and allowing people to use others personal identification, without validating one 's identity. I have done all that I can do to prove my innocence. I never received any type of correspondence via USPS or email, nor did I receive phone call solicitation asking if I wanted credit with UPLIFT. I only found out about this because of the alert from XXXX letting me know of the new open credit. I currently have FREEZE on all XXXX credit reporting agencies. Please help me, I am a victim of ID Theft, I did not apply for credit with UPLIFT , Inc. I have already notified the XXXX of UPLIFT , Inc of their bad practice. The burden of proof is now on UPLIFT , Inc to show that I signed an UPLIFT , Inc credit application, address, and phone # used, or if done online, there should be an XXXX tracking where the application was originated.
08/31/2023	Yes	Credit card Store credit card	Other features, terms, or problems Other problem	SD 571XX	Web
RE : Uplift , Inc. Loan # XXXX I sold some property, and the Title Company sent Uplift , Inc. ( XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) a payoff for my loan ( account number XXXX ) with Uplift from the proceeds of the sale of the property. The Title Company sent a check in the amount of {$550.00} which created a credit balance of {$58.00} on my account with Uplift. On Tuesday, XXXX XXXX, the date Uplift received the payoff check, they ( Uplift ) sent me an email stating that they received the payoff check and there was a credit balance of {$58.00} on my account. The email went on to say that they would issue the refund check back to the Title Company and that they would not send me the refund check. I called Uplift ( XXXX ) and spoke with several representatives. I was told that it is their company policy to send any refund to whoever wrote the payoff check and that they would not send the refund to me. After several additional calls to Uplift, I finally received a call back from a supervisor named XXXX. XXXX again gave me the same response that all of the other representatives gave me and restated that it is their company policy only to issue refunds to whoever wrote the check, not the actual account holder. She finally agreed that if the Title Company sends them an email giving them permission to send the refund check to me the Uplift account management team would review that request and consider sending me the refund check. In speaking with the Title Company, they advised me that they are starting to see this tactic from banks who are in financial stress as an effort to keep customer money in their accounts. They advised me that when this has happened in the past checks are mailed to them with no customer information and that it can take them months to figure out who the refund belongs to. In the meantime, these checks remain uncashed or are never cashed so the banks like Uplift retain these funds. I am asking for your assistance in addressing this concern. Sincerely, XXXX XXXX. & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Home Phone : ( XXXX ) XXXX Cell Phone : ( XXXX ) XXXX
10/11/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem with the payoff process at the end of the loan	TX 754XX	Web
I am writing to formally express my deep dissatisfaction and disappointment with the service provided by XXXX XXXX. I would like to draw your attention to a specific incident that occurred on XX/XX/XXXX, which has caused unnecessary stress and inconvenience for me. On the aforementioned date, I attempted to purchase an item worth {$500.00} on XXXX and opted to use Uplifts XXXX service. To my surprise, Uplift immediately debited an amount of {$120.00} from my bank account as the first installment. However, the same night, XXXX informed me via email that they had canceled my order due to an inability to verify my payment details. Given the promptness with which Uplift debited my account, I anticipated a similarly efficient refund process. I waited patiently for a week and when no refund appeared, I reached out to Uplift 's customer service. During my conversation, I was informed that refunds are typically processed within 15 days. Trusting this information, I waited another week, only to be met with continued disappointment. When I contacted Uplift again, I was told that the refund process might take up to 30 days and, to add insult to injury, I might also be liable for the next installment payment. This is an egregious and unacceptable practice. With the prevailing interest rates around 6 %, I am appalled to think of the significant sums these financial institutions potentially accumulate through withheld customer refunds, benefiting from daily interest. This situation has highlighted an urgent need for improved policies that safeguard the rights and interests of consumers. No customer should have to endure such financial inconveniences, especially when they are not at fault. I urge Uplift Inc. to expedite my refund and re-evaluate their policies to prevent such distressing experiences for others in the future. I expect swift resolution to this matter and hope that Uplift Inc. can regain the trust I once had in their services.
09/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77084	Web
Upon reviewing my credit report, I've noticed 5 entries indicating a charge-off, which typically signifies a discharged debt for which you've claimed a tax write-off. Following a discussion with the IRS, it came to my attention that reporting such information on my credit report with the intent of collection or maintaining a charged-off status is deemed illegal, constituting tax fraud. Please be informed that the accounts in question are all paid off. Uplift is also furnishing inconsistent information between all 3 CRA 's when all information should be the same. There is also a duplicate account which I will list below. I insist on the immediate removal of the accounts from my credit report, along with the provision of a 1099-C form for auditing purposes to ensure compliance with tax regulations. This reporting discrepancy appears to be a violation of the FCRA specifically 15 USC 1681eb, as the information reported is not entirely accurate. The IRS has advised me to submit a Form 3949-A to report what appears to be illegal tax violations committed by your company. I'd like to emphasize that pursuing legal action is a course of action I'd prefer to avoid. Nonetheless, any violation of the FCRA by a corporation entitles the consumer to seek actual damages and monetary compensation, as outlined by the applicable U.S. Code. I trust that your CEO or VP would prefer to address this matter promptly and amicably to avoid potential legal consequences. Please see the attached credit report and remove the following accounts from my credit report within 7 days : UPLIFT, INC. XXXX, UPLIFT, INC. XXXX ( DUPLICATE ACCOUNT ), UPLIFT, INCXXXX XXXX, UPLIFT, INC. XXXX
04/25/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with fraud alerts or security freezes	NJ 07208	Web
I have been a customer of Uplift since 2021. I have had 3 loans and have always paid in full and never late. Recently, I have been trying to get another loan and it kept saying " Application information can not be verfied '' The customer service number is a scam and there is never an option to talk to a live person. I finally got an email from the fraud and risl department asking for my ID a selfie which I Provided. Then they responded saying I had to provide a selfie HOLDING my PAssport. This I thought was odd as no company has ever asked for this and I emailed back saying I would be happy to provide any other documents but that I wasn't comfortable holding my ID in a pic. Nevertheless, after no response I uploaded my passport again and A photo of me holding the passport. In the selfie, I blurred out my background as I took the pic at work and didn't want my background to show. After all this I get an email saying that they have disable my ability to use their services again. This is borderline discrimination, is it because I am XXXX? How can you never question MY identity- I have paid 3 loans on time and with good faith and now this company decides I am not who I am and that I can not use their services anymore. There is no live person to talk to. I feel like these decsions are made by a computer. I just want to be able to use a service I have used in the past and with good results. I think being disables is extreme and uneccesary. I have never filed a fraud claim, I have never said I had issues with UPLIFT, why are you now saying you can't verify me. After 3 years of being a good customer that is ridiculous.
08/04/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AK 995XX	Web
On XX/XX/22 I received a phone call from XXXX at XXXXXXXX XXXX, I called back at XXXX. They left no voicemail and I've received no letters from them. It took several minutes just to get the caller to name the original debt which they state is from Uplift Inc to the tune of {$500.00}. I have not received any communication from Uplift for over a year. I told them I wanted verification of the debt and the woman argued that I needed to provide her a reason for my dispute so that they could provide verification of the debt. I reminded her this is not the way that it works. I am allowed by law to request a verification from a debtor, especially XXXX I haven't heard from an over a year and I don't have to provide a reason, they are required to provide it. This went back and forth for a minute with the debt collector arguing with me when I told her I am a legal assistant, it is the law they have to provide me validation in writing and that Alaska is a XXXX party state for phone conversation recording she ended the call. I don't believe I owe this debt but, I also believe it's a violation to try to 'talk ' people out of requesting verification. There is nothing in the law that requires I give them the reason for my dispute prior to reviewing what they allege to have. For all I know this lady is a scammer given the odd fact that an entirely different company called me for the same alleged debt that very same morning and couldn't rationalize why I had XXXX debt companies calling me on the same day for the same amount of money from the same creditor.
04/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 20785	Web
I've had the absolute worst experience with this company during the past 2 months. First and foremost my account was disabled after I made several complaints without any sufficient reason. When I call about it I am given a standard generic response. My accounts were in good standing and paid in full and a few months in advance. I was told to double check my XXXX information and when I called them, they said everything I had was accurate. The address was then updated and yet I still could not process an application even after it says correct the information from your XXXX which was only an address they suddenly changed. After numerous emails I was told it was disabled and no longer can use their services and they could NOT provide a reason. I've had 5 loans and now I get this issue after several complaints and my account is disabled. You can not reach a live person unless you call from a # that is not registered with an account, if you call from a recognized # it is only automated with generic responses. Secondly, my credit report ( XXXX ) still has balances on all my account since XXXX of this year even though they are all paid in full since XXXX and XXXX. I've reached out several times and keep getting told the same generic information which does NOT apply to this situation. It's now XX/XX/XXXX and ALL the accounts still show on XXXX with balances and they should all be at XXXX. These accounts have not been updated on the consumer report since XX/XX/22 which is CLEARY over 1 1/2 months ago. It's ridiculous and poor service.
06/21/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	TX 77494	Web
We took a loan from uplift in my name and my wife 's name to pay for an onboard XXXX XXXX trip. We were to take this family trip on XX/XX/2022. At point on checking in for the cruise, a XX/XX/XXXX representative misplaced our travel document we had presented to them leading to a chaotic episode. Eventually, our entire family was denied making trip and carnival is yet to take responsibility for the misplacement of our travel document which led to them denying us a planned vacation trip. Part of that is XXXX also refused refunding us the full fare paid through uplift for this trip. I reached out to uplift to dispute the charge paid for the trip following the outcome explained earlier. As the company that financed this cruise fare, we what to dispute the total fare charged because we were never provided the service or trip we paid for. When I called the uplift representative on Tuesday XX/XX/2022, to report this complain and to file the dispute, I was promised a call back due to a long hold time to speak with someone who will handle my case, but they never called back. I am now wondering what is the customer protection offered by Uplift as a loan company if the service the loan was taken to pay for was never provided and the amount paid not refunded? Right now, I am paying uplift the loan as agreed and they need to take my complaint and act on it in disputing the charge paid to XXXX XXXX XXXX who never provided the service they received payment for.
02/22/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 78641	Web
I received communication in XX/XX/2019 that there was a loan outstanding in my name ( XXXX XXXX XXXX ) as well as my wife 's name ( XXXX XXXX XXXX ) from an UPLIFT.COM. My wife and I never apply for loans online ; we believe that it's something that needs to always be done in person. Furthermore, I have alerts on our 3 major credit bureaus that due to our excellent credit and perceived high net worth, we tend to be a victim of Identity theft. I shared this in a letter back to Uplift and heard back from them today ( almost 2 years later ). They've " transferred '' my loan, they claim, to another fintech/bank. So now my personal information is in two places I don't need it to be, not just one. The XXXX have been largely a self-policing community but identity theft, and not taking it seriously enough to stop it in it's tracks, is a violation of the FCRA along with several local laws in my jurisdiction ( Texas ). I seek to have an investigation open on this XXXX company - a startup, who's selling fraudulently obtained data ( like mine ) as underperforming loans in order to generate revenue. It's the sad side of capitalism that needs to be addressed firmly and immediately, especially given what many of our families have been through with COVID-19. This XXXX ( Uplift.com out of XXXX XXXX, California ) have gotten " looser '' with compliance issues, not tighter - when they should be doing the opposite.
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 32003	Web	Servicemember
On XX/XX/2022 I filed an identity theft claim with Uplift regarding a travel loan that was taken out in my name without my consent. I also forwarded a police report that I filed with my local sheriff department on XXXX XXXX, 2022. I spoke on the phone to an Uplift fraud analyst to answer questions regarding the circumstances regarding my claim. On XXXX XXXX, 2022 I received an email from Uplift stating that my identity theft claim was approved and that the charge-off for the fraudulent loan would be corrected in XXXX business days. On XX/XX/2022, I checked my credit report and saw that the loan charge-off was still on my credit report. On XXXX XXXX, 2022 I contacted Uplift again via telephone to find out what the status was on the removal of the fraudulent account. I was told to forward a screenshot of my credit report showing the information. I did so that same day and included a copy of the email that Uplift sent approving the ID theft claim and stating that the account would be removed in XXXX business days. As of today XXXX XXXX, 2022 I have not received any update on the account removal and to my knowledge it is still on my credit report. Having this account on my credit is greatly hindering my ability to purchase a home for the first time in XXXX XXXX and because of my status as a military member, this credit information is endangering my security clearance and potentially my job.
09/13/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 285XX	Web	Older American, Servicemember
I'm not sure if this is the correct agency to report my grievance. I've received XXXX notices of debt collection. The lender was UPLIFT INC. and they sent it to XXXX XXXX XXXX XXXX. for collection. I have submitted an ID theft report to UPLIFT. I had to file and pick a police report as well. Today when I updated my ID thieft report through XXXX. I received an automated response. ( I also have a credit lock in place ) Here is part of what was sent to me : How to Uplift. Shop for your items and add them to your cart just like you normally would. When you are ready to checkout, simply select Uplift as your payment method. Youll need to provide some basic information like your mobile number and the last XXXX digits of your social security number to apply. If youre approved, finish checking out and youre done. XXXX simple steps to experience Buyer 's Joy! Uplift and your Credit. Uplift commits to a refreshingly surprise-free, clear handling of your credit! Here is what you can expect when you apply : Verify your identity and determine your eligibility with a soft credit inquiry ; a soft credit inquiry does NOT affect your credit score! US-Customers : NO hard inquiry, at any time, for any loan! CAD-Customers : Yes hard inquiries are done for all loans. No it's up to me to spend my time to prove this was not my transactions. Thankfully, it has not posted to my credit report yet.
01/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AZ 863XX	Web
The account and information listed in the ID Theft Report were opened fraudulently and from an unauthorized use of my social security number and card. I did not authorize these accounts to be taken out, nor do they relate from any transaction by me. The company is knowingly and willingly committing Aggravated Identity Theft to collect on an extension of credit and punish me for non repayment of, when I am in fact not the debtor as they are alleging. This is a violation of 15 USC 1681a, 18 USC 1028A, 18 USC 894, The Gramm-Leach-Bliley Act, and RICO. This is an Identity Theft pursuant to 15 USC 1681a ( 3 ). The information I am demanding to be removed is not sent in error and is an affidavit of fact, so there is no material misrepresentation of the fact. If you believe I obtained possession of goods and services, then have a senior executive member of this company put this information on a signed and notarized affidavit under penalty of perjury. Per 15 USC 1681c-2, the credit reporting agency must block this information from being reported to my consumer report within 4 days of receipt of this ID Theft Report, and I am demanding that you do so. Further, I am demanding that this and any account with your company that is attached to my name be deleted from your records and closed for good. Thank you for your help in protecting my federally protected consumer rights.
07/07/2021	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 60651	Web
Uplift violated 15 usc 1681a ( 2 ) ( B ) and 15 U.S. Code 1681b ( a ) ( 2 ). Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction I am complaining about. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. Pursuant to 15 USC 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. Wouldnt I be considered allegedly obligated to pay the debt listed below? I XXXX XXXX the consumer never gave UpLift any written consent to report anything on my consumer report. No consent is Identity Theft.
05/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11746	Web	Servicemember
I AM A VICTIM OF IDENTITY THEFT. A NUMEROUS AMOUNT OF APPLICATIONS ALONG WITH ACCOUNTS WHERE OPENED UNDER MY PERSONAL IDENTITY WITHOUT MY PRIOR KNOWLEDGE OR LEGAL CONSENT. I HAVE SINCE TREID TO TAKE ALL PRECAUTIONS REGARDING THE FRAUD IN ATTEMPT TO RECOVER MY SEVERLY DAMAGED CREDIT REPORTS. THESE STEPS INCLUDE CONTACTING EACH OF THE CREDIT AGENCIES, LOCKING MY CREDIT REPORTS, CREATING WRITTEN DISPUTE LETTERS AND HAVING THEM NOTARIZED THEN SUBMITTED, FILED IDENTITY THEFT REPORT WITH THE FTC, OPENED AN INVESTIGATION WITH MY LOCAL PRECINCT BY FILING A POLICE REPORT AND CONTACTED THE CREDIT FURNISHERS. I HAVE DONE ALL THINGS TO SHOW THE PROOF THAT I AM FRAUD VICTIM. I HAVE EVEN SUBMITTED COPIES OF THE FRAUDULENT IDENTIFICTAION AND VERBAL STATEMENTS PROVIDEDE TO ME BY THE LEAD DETECTIVE ON MY CASE. ASIDE OF THE FRUADULENT EVIDENCE I HAVE ALSO SCANNED COPIES OF MY REAL IDENTIFACATION FOR COMPARISON PURPSOSES TO EXPEDITE THE INVESTIGATION OF THE CREDIT FURNISHERS AND CREDIT AGENCIES, SO FAR MAJORITY OF MY EFFORTS HAVE BEEN A FAILURE DESPITE MY RIGHTS PROTECTED BY THE FCRA, SOME OF THE CREDITORS HAVE IGNORED MY DISPUTES AS WELL AS THE CREDIT AGENCIES, TO BE SPECIFIC XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, UPLIFT INC, XXXX XXXX XXXX, AND A NUMBER OF OTHER BANKS THAT HAVE LEFT NUMEROUS FRAUDULENT INQURIES ON EACH OF MY REPORTS.
09/26/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	TX 77316	Web
On XXXX XXXX we cancelled a cruise financed by Uplift. The account has been been paid in full for months. I notified them that the bank account used was closed on XX/XX/2022. I requested that they update my account so my refund would in fact go back to me. They refused and stated that it would be refunded back to the card that was used. This card was deactivated on XX/XX/2022 when my account was closed. Uplift is showing that the refund was successful, however the bank stated that the arn numbers given by uplift to track refund were not legit numbers. The bank has no record since the account was closed. Uplift informed me to send documents showing that the account was closed from my bank. I provided this and was sent an email stating that they could not use this documentation as proof although thats what was requested. They informed me I had to wait until the bank sent it back to Uplift. XXXX XXXX has no record of the refund being sent back even with the arn numbers provided. There is no phone number to call to speak to someone and they just chat the same thing. Now I was informed by uplift it could take 45 days for them to get the refund back from the bank. This company refuses to refund me my XXXX they owe me. It is a KNOWN fact that this is an issue with this company. Its all over their reviews.
10/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	GA 30329	Web
I use the travel agency uplift.com. when XX/XX/XXXX of 2022 I called in to pay my bill for XXXX and XXXX. After having a brief conversation on the phone with the representative as he was confirming my identity and taking my information to pay my bill, later that evening I received the text from an unknown number which turned out to be the representative that I spoke to at this company. This representative took it upon himself to take my telephone number off my application and reach out to me for his personal gain. After letting him know that he should not have reached out to me I googled his area code and he lives in the same state as I do. That alarmed me I have been petrified ever since. I have since went and brought some kind of protection from my door, I also went to start the process of getting my license to carry a concealed weapon. This situation I feel that it is harassment, it has me nervous all the time, I'm always watching my surroundings, and I just do not feel comfortable in the place in which I reside anymore. This representative has access to my address as well as my social and of course my telephone number. I am no longer comfortable where I live and have been residing for the last 3 years. I'm hoping that someone can help me with this urgent matter.
06/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OR 97116	Web
Purchased airline tickets on XX/XX/2021 with a payment made to the airline via Uplift , Inc. The itinerary was cancelled within 24 hours, after which according to the airline, a full refund would be processed within 7 business days. According to the airline, a refund in full would be made to the original form of payment, in this case to Uplift , Inc. Uplift , Inc has proceeded to claim that the money is still owed and accruing interest although the airline claims the refund was issued within 7 business days in accordance to the requirements established by the US Department of Transportation for operators. Uplift , Inc has been unlawfully attempting to collect a debt and accrued interest charges for a cancelled itinerary that followed all airline policies and US Department of Transportation regulations regarding this process. Uplift , Inc is deceptive and fraudulent in their practices because they claim interest is owed while awaiting refunds just like a credit card charge, and yet offer no protection such as allowing to dispute charges like a credit card does. It is suspected that Uplift , Inc may intentionally be misrepresenting balances owed and a supposed lack of payment from their partner airline in order to claim additional money owed from accrued interest.
07/12/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	TX 77494	Web
My husband and I used Uplift financial services in paying for a XXXX trip by XXXX XXXX. XXXXl agent at the time of check-in misplaced the travel document of our child and ended up denying us the cruise we planned for and have refused to refund our money. Since we paid through uplift financial services, we reached out for consumer protection from Uplift to dispute the payment made to XXXX for never providing any service, and we are finding out that Uplift is biased on this matter, refusing to offer us any protection as consumers who have been ill-treated by a merchant. As consumers we need protection from companies like uplift who provided the financial services but in our case, Uplift has refused and denied us that. Therefore, we are filing this complaint. Our loan ID number are XXXX and XXXX belonging to my husband and myself- used for the same and one purchase. We feel that XXXX and Uplift have connived to carry-out such evil and wickedness as in our experience. We should be treated as victims here, having ruined our vacation by misplacing our travel document, refusing to take any responsibility and to add salt to the injury refusing us our full refund. Uplift should provide consumer protection from a deceitful and irresponsible company like XXXX XXXX.
12/04/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	OH 452XX	Web
I have received two letters from XXXX XXXX concerning {$1600.00} of debt that I allegedly owed. The last of these letters was sent on XX/XX/2023. I had no idea where this debt came from. My wife called the number provided by XXXX XXXX to inquire on XX/XX/2023. They told her the name of the person who had taken on the debt, when purchases were made, and what payments he made, as well as the person 's address and phone number. This debt came from " Uplift '' and was through XXXX XXXX. At least one charge was made on a XXXX XXXX XXXX. I have never been on a XXXX XXXX, much less opened a credit card through them. The address provided to us was of the house I lived in when in 8th grade ( 28 years ago ). It seems that one of these companies found my name as connected with that house and then started sending me these notifications. The person my wife talked to did not know how my name was attached to the debt. The same day, I called XXXX XXXX to file a complaint. I tried to ascertain from the call person how my name became connected with this debt. He said that the man probably somehow got my social security number and address and opened an account. ( This does not make much sense, as he made 4 payments on the debt. ) We were able to dispute the debt.
12/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 20785	Web
I have been trying to get several errors fixed on this account for 6 months and it's been horrible. First, they my balance kept reflecting {$760.00} dollars even though it was paid In XXXX of this year. Now they made ANOTHER ERROR and my payment history was changed on XXXX to missing 2 payments in XXXX and XXXX of this year, while the actual late payment from XX/XX/XXXX was removed. I WAS NOT LATE. I was in a hard ship program that Uplift offered and credit reporting was postponed. The payment was due by XX/XX/XXXX which it was, hence why my payment history was accurate until someone made a HUGE MISTAKE! I called today and spoke to a rep who indicated the whole financial team who reports and call center were new and she never knew they had it because it's no longer offered. It doesnt matter if it's no longer offered because at the time, I was in it. All the emails are attached to this complaint and CAN BE SEEN IN THE SYSTEM AS WELL AT THE COMPANY THAT CLEARY SHOW I WHAT I SAID was accurate. She has no idea why this happened and told me I must dispute it and show proof that it is reflecting wrong. This is horrendous. I shouldnt have to constantly call and file disputes for someone not doing their job in a sufficient manner.
10/24/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Credit monitoring or identity theft protection services Billing dispute for services	TX 770XX	Web
There was a credit adjustment made on my account on XX/XX/2019 according to XXXX, I contacted the department multiple time regarding that adjustment, believing that it should cover 2 payments, I spoke to Uplift multiple times in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. It wasn't until our conversation in October where I finally received a clear explanation as to what happened through a follow-up call with an employee. She expressed management almost chewed her head off for asking about the adjustment again, stating they had resolved this issue. The problem was that no one actually emailed me back or called me to let me know why there was a difference in payment. Then I realized that the refund they received XX/XX/XXXX was not applied until XX/XX/2019. This caused there system to generate an over 30 day payment delay in my credit report. When I contacted them about removing the late payment, as the adjustment should have applied prior to that, they said there was nothing they could do and the system did not recognize it as a payment. I do not agree with their answer and I am very dissatisfied with the length of time it has taken to resolve the issue that led to this moment.
02/01/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	SC 29209	Web
I reviewed my credit and there is a collection from Uplift Inc for {$280.00}. I had an account with Uplift that was resolved back on XXXX XXXX. I used Uplift in XX/XX/XXXX to finance a cruise for my honeymoon and unfortunately my fianc passed away on XX/XX/XXXX. I contacted them immediately and was advised the steps to take to file an insurance claim so that the cruise line could reimburse them and the account could be closed. I did exactly as directed and was told my account would be put in suspension mode until the death certificate processed. I received an email on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX stating they received payment from the cruise line. This is the last correspondence I received from them on this account. I was never notified of an outstanding balance and I never received any correspondence from XXXX XXXX XXXX XXXX which is who I was recently told that the account had been turned over to. I have attempted to contact XXXX about this account but only get a recording that no one is available. I have done everything on my part that was required of me to resolve this account after filing the insurance and I do not agree that this debt is mine in anyway.
04/26/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	OK 73013	Web
This company said l signed up for travel account for a cruise. I told them l didn't do it and they shouldn't have been selling it because covid was in affect and cruises were not even sailing out. At that time they weren't even allowing people to travel. I also filed a report with the police because there was a lot of fraudulent activity happening with my credit report, bank accounts, mail and so forth. On all my credit report l have them locked that no one should be assessing any inquiries. But they're still able to. And my credit score has dropped. The name of the company is uplift. And XXXX also has me as delinquent and l went to there store to buy something. I gave the clerk my debt card to pay for the items and she goes and signs me up for a XXXX XXXX credit card. It was around XXXX and so the credit card came to my address in XXXX. When l got the card l was furious l went right to XXXX XXXX paid it off and closed the account immediately. I have called the store several times and told them to get it off my credit report. I never asked for a credit card. I don't even like XXXX XXXX store. And l don't shop there.
09/24/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem with a company's investigation into an existing problem Problem with personal statement of dispute	NC 28311	Web	Servicemember
I am an XXXX XXXX XXXX currently on XXXX XXXX. When I took out the loan, I was still XXXX XXXX and on XXXX. Firstly, I am unsure if this company was allowed to charge me an interest rate of more than 6 %. They charged 29 %, I believe. I was paying the loan off through XXXX and I believed the account was paid in full. I discovered months later that I had a balance of XXXX which Uplift had placed on my credit report. This decreased my score by over XXXX points. As an XXXX XXXX XXXXXXXX XXXX XXXX XXXX, I dont always have opportunity to check my credit, but I do make sure that I pay my bills on time every month. Uplift refused to remove the negative marks from my credit despite these facts. My credit is suffering as I serve this country because of XXXX XXXX XXXX. I have notified my XXXX and if this is not resolved, this company may be blacklisted. This will save other soldiers from going through what I am going through now. When I come home in XXXX, I had hoped to buy a house. I am uncertain if I will be able to do so now because of Uplifts unwillingness to support hardworking servicemembers.
01/01/2023	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 Their investigation did not fix an error on your report	AZ 85029	Web
CEASE AND DESIST IMMEDIATELY XXXX XXXX am a NATURAL PERSON, in accordance with 15 U.S.C 1692c I am advising you, XXXX, XXXX, in writing that I refuse to pay the alleged debt. I am demanding you cease all forms of communication with me through every illegal avenue. You have caused me mental and financial stress when you issued a debt that does not belong to me the natural person and which I am not responsible for. I DEMAND THAT THIS CONTRACT BE VOIDED!! Cease and desist all collection attempts on this false debt I refuse to pay. According to 15 U.S.C 1692c ( c ) ( 2 ) I am invoking my specified remedies as a consumer and original creditor I demand all of the following : An audit trail of the alleged debt. Zero out the balance of the account. STOP & DELETE negatively reporting to all consumer reporting agencies DELETION from all consumer reporting agencies If there is no response or compliance to this cease and desist it will be another violation under FDCPA for willing non-compliance and I will seek litigation as well as provide your entity with an invoice for every violation. Sincerely, XXXX XXXX
04/20/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	VA 201XX	Web
I refinanced my trip through Uplift / XXXX XXXX to speak at a university in XXXX, California on XXXX XX/XX/XXXX, but due to the coronavirus crisis the speaking engagement was cancelled. The total trip, including the travel protection cost was {$1500.00}. XXXX XXXX only refunded Uplift {$1400.00} ( minus the {$100.00} travel protection ). {$1500.00} - {$100.00} + {$1400.00} Since XXXX XXXX won't refund Uplift the {$100.00}, Uplift won't refund me the full {$310.00} amount I've already paid towards the loan using my MasterCard. I paid {$150.00} on XXXX XX/XX/XXXX and {$150.00} on XXXX XX/XX/XXXX. Even though the trip was cancelled, I made payments towards the loan so it wouldn't default and reflect poorly on my credit history. I paid a total of {$300.00} on my MasterCard. I thought I was going to get a full refund of {$300.00}. Because it took XXXX XXXX over 30 days to refund Uplift, the loan incurred a finance charge of {$210.00} which Uplift expects me to pay. Uplift is only refunding my MasterCard {$110.00} even though I paid {$300.00}. Uplift Loan ID XXXX XXXX XXXX XXXX XXXX Thank you
10/05/2023	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77494	Web
This complaint is following an attempt by Uplift in collaboration with XXXX XXXX to defraud a customer for services they did not provide. I had filed a complaint against uplift in 2022 for a full refund of the money I paid to them for service that was never received after a representative of XXXX XXXX misplaced the birth certificate of our daughter jeopardizing our planned vacation trip. To add salt to the wound, Uplift did not only refuse refunding the money we had paid to them, they are attempting to ruin my credit by sending the balance to collection. This is nothing short of a mean and heartless set of individuals out to rob united states citizens of their hard earned money and credibility. Uplift, through a collection agency known as XXXX XXXX XXXX, reported a balance of {$780.00} after withholding over {$1200.00} that should be refunded. This credit reporting has caused damage to my credit score and it is affecting me negatively which goes to buttress the reason for filing this complaint as this is a mean-spirited move by uplift and all involved to further ruin my credit.
12/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 91324	Web
I opened a personal loan account for XXXX XXXX purchase in XX/XX/2023. UpLift company is the lender. My payments were accurate and always on time. From XX/XX/2023 company blocked my online access, hindering me to pay off my balance. I called them for maikng phone payment, was denied assistance. They escalated my account to collection in retaliation due to my complaint-demands to fix my account online portal system glitches and/or accept my payment over the phone. I was denied communications, never got callbacks or replies to my emails. This lender committed serious banking laws violations, banking discrimination and predatory lending. Attached is a proof of what problems I faced and continue to face up to date. My credit score was crushed fraudulently. I need your help to enforce the laws and intervent in this problem. The Uplift company has lengthy history of violations and bad reviews by similarly victimized customers. Review the XXXX Website and online platform, to better understand teh magnitude of their violations. This Lender must be investigated and audited.
03/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IN 46360	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 USC 1681. XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, UPLIFT INC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 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 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 accurate
04/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	MI 48310	Web
I contacted XXXX and asked them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically that the creditor Uplift, Inc.provide proof of alleged original application bearing my signature and they have not been able to provide such proof. This is a violation of the Fair Credit Reporting Act and the disputed items may not appear on my credit report if it cant be supported by evidence or proof. I have reviewed my consumer report from XXXX and noticed that I have seeveral late payments reporting on my bureau, that I was never late for on Consumer Reporting Agency and have assumed a vital role and Maximum Accuracy. I have never been late on payments for Uplift , Inc. account # XXXX. Please investigate and provide proof with statements showing that these payments were late, if proof cant be provided, I demand that payment be updated to on time as it was never late. To Uplift , Inc. I have been in dispute since inception of this account. Yet they continue to report inaccurate information.
01/13/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21244	Web
In my letter dated XX/XX/2020, I disputed the {$1500.00} alleged debt that you are attempting to collect. Additionally, I requested verification of the alleged debt pursuant to my rights under the FDCPA. Additionally, I requested that you cease and desist all collection activity, including credit reporting. That is, I requested that you delete any and all reporting made to any consumer reporting agencies. You have failed to address my very specific legal requests and are in clear violation of the FDCPA. First, under the FDCPA, it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law. Second, you failed to cease and desist and delete your credit reporting of the disputed alleged debt. Under the FDCPA, it is a false, deceptive, or misleading representation or means in connection with the collection of any debt to communicate to any person ( e.g., a consumer reporting agency ) credit information which is known or which should be known to be false.
03/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 303XX	Web
Several accounts are inaccurately reported on my XXXX report. The XXXX XXXX XXXX was already removed from the other credit bureaus as well as the XXXX report. It was removed on XX/XX/2021 but reappeared on my credit report in XX/XX/2021, which has led to much emotional and financial stress when trying to use my credit for personal and business reasons. I completely paid and closed the XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX it inaccurately reports that I owe {$XXXX} now. Last week, it did not report that account or amount. I never owed a charge-off of {XXXX at Regions and they never told me that I owed anything or charged-off any amount. I have ten inquiries on this report and submitted my FTC report showing I did not inquire about XXXX, XXXX XXXX, US Dpt of Education, and XXXX XXXX, XXXX XXXX. I also contacted the XXXX and Attorney General 's Office as well as contacted each company with legal documentation requesting the accounts be removed from my account for violating multiple FCRA violations. Documentation is attached.
03/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 45231	Web
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ATTN : DISPUTEXXXX XXXX XXXXXXXX RE : ADVERSE ACTION DATED XX/XX/XXXX Recently, I was denied an extension of credit by UPLIFT on XX/XX/XXXX. AS you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim in adverse action against a consumer. Pursuant 15 U.S Coode 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). UPLIFT has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/XXXX is both proof and evidence that I have been discriminated against, you are also criminally liable. UPLIFT should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.
09/10/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77379	Web
In XX/XX/XXXX I planned a trip to Hawaii for XX/XX/XXXX using Uplift Inc. I paid off my vacation in XX/XX/XXXX. In XX/XX/XXXX - Covid XXXX pandemic happened. Hawaii shut down. I cancelled my trip on XX/XX/XXXX. I was told I would get a refund in 90 days. As of XX/XX/XXXX I have yet to receive my refund. I spoke with my bank and informed them that it had been 90 days and I had not received my refund. The bank said this was unacceptable and returned my money and notified Uplift. Uplift has now turned me into a collection agency who is after me hurting my perfect credit score. I always pay my bills.. I am NEVER late. They are wanting me to pay for a trip that I never received and Hawaii is still closed. I want them to take off the bad remarks on my credit score. I DID pay them ... I paid them in FULL XX/XX/XXXX. When the pandemic happened - I cancelled and waited 90 days for my refund of {$4300.00}. I do not want to be called by collection agencies for money that they say I owe for a trip that I never got to take.
03/23/2020	Yes	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	OH 43062	Web
I had contacted Uplift last week on XX/XX/2020 in regards to my loan. I explained to the girl on the phone that my cruise had been canceled due to COVID-19 and they would be giving a full refund. I had asked since my payment was due on XX/XX/2020, is there a way to stop the payments or push back the payment until the refund is given. She told me the best she could do is push the payment out until XX/XX/2020. At that time, call in to make sure the refund was received and that you no longer need to make payments. I thanked the girl for her time and thought everything was fixed. Today, on XX/XX/2020, I was charged my loan payment amount. I called the Uplift to inquire about this charge and asked that it be stopped. I spoke to a customer service representative by the name of XXXX at XXXX who was questioning me and acting as if I had never called in. She told me there was nothing she could do but escalate it to her supervisor. I have not heard back from a supervisor or anyone at the company regarding this.
07/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MT 591XX	Web
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and UPLIFTINC XXXX Date Opened : XX/XX/2021 Balance : {$130.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
08/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48310	Web
To my surprised I discovered that the original creditor has and now sent to the Collection agency has violated both the FCRA and Fair Debt Collection Acts. Originally, Uplift from a previous CFPB acknowledge that this was deleted from my XXXX credit. However, since then they have not only re instated this fraudulent activity. They also, sold this Account to XXXX XXXX XXXX XXXX. XXXX XXXX has without prior notice reported an amount of {$320.00} to my XXXX and XXXX credit report fraudulent as well. I would like to notice the Uplift has act contradictory to the laws. They have harassed me and tried to bully me into providing personal information about myself. It is clear that they are acting in desperation. They can not obtain information to synch me to their claims and they have no written authorization from me that says this is my account. When I refused they became excessive and fraudulent. And they have re enter a deleted non reporting on XXXX. Previous CFPB # : XXXX
10/18/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	VT 054XX	Web	Older American
My credit union gave all members new debit cards, so my existing card on file with Uplift was no longer valid. I entered my new debit card into the Uplift system but kept getting this message : " Card is not accepted. Please try a different debit card or connect your bank account ''. I began the process to connect my bank account. Uplift uses a third party app called XXXX XXXX XXXX XXXX to do this. The problem- which seems like a scam- is that XXXX requires us to give them our username and password to our bank accounts in order to withdraw Uplift payments. " Enter your credentials - By providing your XXXX XXXX XXXX XXXX XXXX credentials to XXXX, you're enabling XXXX to retrieve your financial data. '' I will never give out my username and password. Who would ( rhetorical ). So, the only option I'm left with - because I have no other cards to use - is non-payment ( unless Uplift accepts my new debit card ). I want to pay my bill.
02/25/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 11572	Web
Upon review of my credit report I see a negative account report from a company named Uplift. I have attempted to reach this company via certified mail, asking for them to validate the debt as well as list it as DISPUTED on my credit report. The certified letter I mail was received by Uplift on XX/XX/2021. I have yet to receive a response from the company. They have NOT verified the debt and have NOT listed the account as disputed on my credit report. I have proof that the verification of debt request was received on XX/XX/2021 by Uplift and I have proof on my credit report it is not listed as disputed. They are in clear violation of the FCRA & FDCPA which protects consumers and allows us to request verification, and if none is provided within a 30 day time frame it must be removed from our credit report. I expect that this company will comply with the laws set forth and remove this item from my credit report in a timely fashion.
11/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IA 51106	Web
I applied for a loan to buy ticket some time ago. I had 2 loans with this company and then it came to a time that I had to leave and visit my family back home in another country. Before leaving i made sure everything was paid. Unfortunately, I didn't know that the balance of XXXX usd left on this account was not paid before leaving. Whiles away, I never got an email or text message about any balance reminder or such. I got back only to find out that I owe XXXX usd on my credit file and so I went ahead and paid the balance. I have tried several times to contact Uplift to make the necessary correction on my credit file since I have made that payment but failed in contacting them. The number on their website is ( XXXX ) but it just a voice prompt and never transfer you to an actual agent to talk to. I also went ahead to file a dispute with XXXX but up till now no change or any information has gotten back to me.
09/25/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60625	Web
I received a notification from XXXX XXXX XXXX stating that I owed a debt for a service I allegedly used from a company name UPLIFT. I requested the details of what this alleged debt was for and they refused to provide any information. I never received any notifications by mail or phone from UPLIFT notifying me of a debt. I reported this as fraud to both the collection agency and the original debtor. NEITHER companies would provide me with any information regarding the supposed debt. I verified my identity to both XXXX XXXX XXXX and UPLIFT and was read back an email address that it not associated with me or anyone I know. I again reported this as fraud and have yet to receive any notifications. I disputed this with the XXXX and XXXX and the result of the dispute was a removal of the debt from my credit report by XXXX. https : //www.uplift.comXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
03/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 603XX	Web
To Whom It May Concern : I'm preparing to purchase a home, and I received a copy of my credit report. I noticed an account from Uplift INC, Account number XXXX, and In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. In accordance with Fair Credit Reporting Act, this creditor, Uplift INC, Account Number XXXX, has violated my rights. Under [ 15 U.S.C. 1681 ], Section 602 states that I have a right to privacy. [ 15 U.S.C. 1681 Section 604A Section 2 : further states that a consumer reporting agency can not furnish an account without my written instructions. [ 15 U.S.C. 1666B ] states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. For the reasons stated above, I request the late payments be removed from my consumer credit reports, all three credit reporting agencies ; XXXX, XXXX, and XXXX.
08/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76133	Web
According to Title 15USC 1681 # 3, and # 4 XXXX assumed the role of protecting my privacy based on congressional order, However, they misused my credit report, and facilitated information without my consent and without my permission There is a need for the XXXX agency to practice their appropriate grades, per federal law and they are supposed to respect my right to privacy, but didnt exercise their responsibility. They did not exercise your grade responsibility they were unfair, partial and did not respect my right to privacy. They never had a permissible purpose nor did I instruct them to furnish this report, to create this report, and I never consented to this report in the first place. They grossly misrepresented my credit score to financial institutions for those reasons need to remove all inquiries, collection accounts, and charge offs, per violation of title laws.
12/09/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	SD 575XX	Web
In XXXX of XXXX I was notified by my bank that there was a debit going to Uplift Inc. which has overdrafted my account and was I aware of it. I was provided with a telephone number for the charge. I contacted the number provided and was entered into an automated call system of which I did not have the information required to be verified and continue to a representative. I tried 11 times in the next two days and finally reached a representative who I explained the situation to and requested to report the fraud. I was advised that the account had been noted and it would take 90 days to complete the process. Uplift Inc. charged my bank account another two months following before the bank closed the account due to the fraudulent charges and overdraft fees. Uplift has continued to illegally report this account on my XXXX Credit Report for the past year.
09/26/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Incorrect information on your report Information belongs to someone else	MI 481XX	Web
There have been three fraudulent accounts opened using my identity with Uplift , Inc. I have submitted the Uplift , Inc. Identity Theft Submission Form twice now ( XX/XX/2023 and XX/XX/2023 ), and have not received a response from this company. In fact, Uplift , Inc. has sent these accounts to collections as of XX/XX/2023 ( XXXX XXXX XXXX XXXX XXXX ) despite me providing all of the information requested to support that these accounts are fraudulent due to identity theft. I have informed XXXX XXXX XXXX XXXX XXXX that these accounts are fraudulent. Uplift , Inc. is operating as a dishonest business that has failed to respond to my requests for these fraudulent accounts to be removed from my identity. The resolution I am requesting is for these accounts to be marked as fraudulent and removed from my identity.
09/21/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	TX 77494	Web
I am complaining about the financial conspiracy between uplift Inc and XXXX XXXX to defraud me of money paid for a service they never provided. I filed a missing report with XXXX for the missing document that occurred at their facility on XX/XX/2022 that led to my family 's embarrassing and devastating experience that took our planned vacation from us, but XXXX has not responded with the status of the missing document signaling they have no morals or ethics. I continued paying Uplift hoping they would know my fair and honest intention in this situation, but it is obvious that both uplift and carnival are in conspiracy to defraud me of a service that was never provided for which XXXX, which uplift claims is their client, has refused to update the status of the filed missing document.
11/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32003	Web	Servicemember
In XX/XX/2022 I received a notification from my credit monitoring service ( XXXX ) that a new loan had been opened in my name from a company called Uplift. Upon doing research, I found that this loan was for a vacation rental or trip through XXXX XXXX. I was able to cancel the trip and was also able to successfully dispute charges that hit my my bank account for this loan. I notified uplift in XX/XX/2022 that the account was not mine, that despite having an XXXX XXXX fraud alert on my credit they never contact me, and I also provided a copy of a police report that I filed for identity theft. Uplift has still hit my credit for a charge-off for this loan as of XX/XX/2022 despite submitting the police report and making them aware via email that this account was not opened by me.
04/13/2023	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 78840	Web
under 15 USC 1681 the credit bureaus are filing incorrect I am trying to buy a house and its defamation to my character and livelihood. XXXX XXXX XXXX XX/XX/XXXX is identity theft it even has another name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX mulitple inquires from car dealers that I have not even requested and I have even hired XXXX XXXX XXXX to assist and it is still damaging my credit XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXXXXXX
10/04/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11757	Web	Older American
I received a collection notice from XXXX XXXX, XXXX XXXX XXXX XXXX. The amount is {$590.00}. The creditor is Uplift and XXXX. I called Uplift to ask what this debt is as I have no idea, they refused to tell me unless I provided personal information, birthday/ss # etc. I refused to give this info. In XXXX of 2021 I noticed that Uplift had been taking {$51.00} a month from my XXXX account. I immediately contacted XXXX and informed them of fraudulent withdrawals. XXXX stopped the withdrawals and I was refunded 3 payments. I thought this was resolved until I recently got the collection notice. I have been unable to get any clarification from Uplift or XXXX XXXX as to what this debt is, therefore I assume this is a fraudulent claim.
01/06/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	MI 49009	Web
I have tried for a month to get assistance on the refund from XXXX XXXX to Uplift. No one will help, hold times are hours and I am purposely given misinformation. There have been nearly 30 communications between XXXX and uplift and it is a nightmare. They are capitalizing interest to make profits and extend the refund process out as they will not back date anything and interest is accruing this entire time. I have travel insurance and should get 100 % refund minus the travel insurance- there is a document uplift is requesting and XXXX XXXX uplift needs to send then something. This is completely illegal what theyre doing to people and should Be looked into ASAP! I have voicemails and emails to support this claim!
08/18/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	FL 32205	Web
I booked a vacation with XXXX XXXX XXXX and financed it with Uplift for XX/XX/2022 making a down payment and paying for unconditional option to cancel with full refund. After my sons team did not make it to the playoffs, I cancelled the entire package on XX/XX/2022. I have been going back and forth with XXXX XXXX trying to get the money refunded to the original method of payment. I have sent emails to Uplift notifying them of this and for them to not debit my account. Until today, I could not get anyone on the phone with Uplift or anyone to assist me with resolving this matter via email. Even after speaking with the rep, she was not helpful. At this time I have been debited {$820.00} for a trip I did not take.
02/14/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NY 148XX	Web
Tried to log into their payment portal multiple times to make a payment prior to it being 30 days late. The only way to pay is with a debit card that requires text sent to your phone before it will let you log in. I was unable to log into their site and tried to resolve this with the company- no one was able to assist me. This lead to my payment being processed a day later than expected and to a " 30 day late '' payment on my credit report despite my multiple efforts to pay prior to this with no resolution. The company has no response to me in regards to their website repeatedly failing resulting in me not being able to access the code to log in. This does irreparable damage to my credit report.
12/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 112XX	Web	Older American
An account was opened and placed on my personal consumer credit report. This is a fraudulent account, I have not signed any contract with this company nor gave consent to report to my credit profile, I did not personally open this account and it should be removed from my credit report. The account appeared on my report in XXXXXXXX XXXX XXXX and shows 3 late payments from XX/XX/2022, XX/XX/2022, and XX/XX/2022. It is still open on my report, which it is reporting to my XXXX consumer credit profile and I have filed an Identity theft report and Identity theft affidavit. I have followed up an informed the company and also sent them out the Identity theft report. The company is Uplift , INC
02/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 94109	Web
In XXXX I had run into financial difficulties. I contacted my lender and asked to change my payment date so that I had time to catch up. They agreed and sent me a confirmation and I paid off my loan. Now eight months after the fact they're trying to report me late for that month to the credit bureaus and taking zero responsibility for their actions. I want these people held accountable. This is unfair to 1. Report something falsely and 2. Report it 8 months after the fact especially since the account is paid off anyway. It's a slap in the face to people who are rebuilding their credit. This takes 3 years of good progress in building credit after a bankruptcy and throws it in the trash.
01/11/2021	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	PA 150XX	Web
I received a packet of papers from the company XXXX XXXX XXXX XXXX. XXXX ( XXXX ), dated XX/XX/XXXX, stated that I took out a loan for {$2500.00} under the creditor UPLIFT. When I called and asked what the company is known for ( Uplift ), they stated they are a company that gives out vacation loans. I have never took out a loan for anything but school and my car. They stated one payment was made for {$280.00} when they loan was request in XX/XX/XXXX but it was not my credit card number. They have no proof of a contract or anything signed to allow my permission. I now have a past due bill in collections currently dropping my credit score for something I did not purchase.
07/29/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76107	Web
On XX/XX/XXXX I received an email stating that I missed a payment from a company that Ive never heard of ( Uplift ) .This company did not tell me what the payment was for or the amount due. I have emailed several reps advising them that I did not create an account with them nor did I owe them anything. Finally, they ended up telling me that the payment is for a trip booked with an airline that I havent flown in years. They still have not provided an itinerary, payment amount, or anything else showing I have an account with them. I requested this information via email to the Director. That was 6 days ago and no reply but Im still getting emails about payments.
02/03/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77040	Web
in XXXX an account was opened with the company Uplift , inc a loan company, and a loan of $ XXXX was taken out using my name, social security number, and date of birth. I was unaware of this account until XXXX of XXXX and since then have tried to dispute the account with XXXX to no avail. I have also contacted the debt collection agency, ( XXXX XXXX XXXX XXXX ) that is now in charge of the account and they have only offered to reduce the balance owed forcing me to pay off a fraudulent account in order to have it removed from my credit report. Contact info for XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX
11/02/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 601XX	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 UPLIFT, INC. has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, 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!
11/12/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Struggling to pay your loan	FL 32738	Web
Pursuant to 15 USC 1692g also known as the FDCPA, Uplift was presented with a formal electronic notice disputing the validity of the alleged debt they claimed I owed. At no time was any validation paperwork.showing I signed any contract was ever produced. The paperwork that was sent didn't establish validity as outlines under XXXX of XXXX XXXX XXXX nor under 15 USC 1692g ( FDCPA ) Therefore, under state and federal law, since it has been more than 30 days since the dispute was launched, the alleged debt is no.longer collectable and my rights under federal law have been violated by this being reported to the credit bureau.
02/25/2021	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	NV 89102	Web	Servicemember
On XX/XX/2021 a company called 'Uplift Inc ' placed a hard inquiry on my report. I am in the underwriting stage of purchasing a home, therefore, I can not have any inquiries on my report. The points drop has put my mortgage process at risk of being denied do to whomever this company is that made the inquiry. I contacted them and they told me they do not have to remove the inquiry. They were very rude to me and not willing to help me so I called XXXX and XXXX told me to contact you. This Inquiry by 'Uplift Inc ' is fraudulent activity on my report and I request help in the process to get it removed. XXXX XXXX XXXX
04/01/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 95835	Web
I have requested that Uplift stop autopay on my XXXXXXXX XXXX XXXX through email. Uplift has refused. They are stating that I must call or use the chat feature. There are two issues with Uplift 's request. 1. Chat feature will not work, and states I must call. 2. The call-in wait times are 75+ minutes. Uplift falsely states that it is the policy that they must read a disclosure. When I started auto pay, I did not get a disclosure ; why would I need one to stop autopay. XXXX rules are apparent that a merchant must comply with when a cardholder requests to be stopped billed. They violate these rules.
05/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IA 502XX	Web
You are in direct violation of the Fair Credit Reporting Act, which has violated my rights. 15 U.S.C 1681 section 602 A. Clearly states that 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 instructions. 15 U.S.C 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. Remove these late payments and update this account immediately as you in direct violation of several laws under The Fair Credit Reporting Act.
04/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 902XX	Web
Uplift and XXXX posted incorrect information about the status of my account. My most recent credit report Dated XX/XX/2022 shows that the last time this company updated my payment history was in XX/XX/2022. This account is paid in full, but your reporting doesn't reflect this accurate information. Inaccurate payment history information like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I take this very seriously and I would appreciate it if you remove the late payment marks off this account as soon as possible.
05/03/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 304XX	Web
I scheduled a vacation for XXXX last year on XX/XX/2022. I financed through Uplift for {$1600.00} with XXXX XXXX. XXXX XXXX cancelled the returning flight. Because of their error they offered a refund or a credit by phone. I asked for a full refund. They said my refund would process in XXXX business days. They continue to charge my account, and now Uplift is threatening to report to my credit for non-payment. I have called XXXX XXXX, and I can not reach a live person. I contacted Uplift and they can not help. I just want my refund. I never want to use XXXX XXXX, again.
11/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	TX 77346	Web
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on XXXX ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior
12/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MN 55311	Web
And this is why This dispute comment takes the account out of being factored into the XXXX XXXX, so if an account with a negative history gets its dispute remark removed, then the XXXX XXXX may go down. On the other hand, credit scores may go up if the dispute comment is removed from a positive account. Come on XXXX and uplift I can see what youre doing. You are breaking the law! This information will be used when lawsuit is filed You XXXX want to play a game XXXX with me and watch as of Tuesday or Wednesday lawsuit will be file on your XXXX
09/09/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	FL 33147	Web
This installment loan was taken out on XX/XX/XXXX with XXXX through Uplift. The loan was paid in full on XX/XX/XXXX. During the loan several opportunities offered by Uplift were accepted by me delay payment from time to time. However, I was never late to the point of being reported delinquent. Currently on my XXXX report, the Account status says, NOT MORE THAN TWO PAYMENTS PAST DUE. I would just like the status to state, PAYED AS AGREED. I am grateful for the loan through Uplift. I just want the account status to be updated.
10/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30331	Web
THERE ARE 3 XXXX XXXX Unauthorized inquiries COMPANY NAME XXXX XX/XX/2021 COMPANY NAME XXXX XX/XX/2021 COMPANY NAME XXXX XX/XX/2021 I HAVE 1 COLLECTIONS COMPANY NAME UPLIFT account that is fraudulent.I have contacted the company. I was informed that this was a loan taken out in my name, I have never received funds or anything. I have spoken to this agency twice. Company name XXXX XX/XX/2021 Company name XXXX XX/XX/2021 Company name XXXX XX/XX/2021 Company name Uplift account XX/XX/2021 2021
04/04/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	FL 32216	Web
I paid off a loan with XXXX ( Loan ID XXXX ) and the account is linked to my phone number XXXX. I asked to have my account deleted on XX/XX/XXXX and was told " Your account can not be closed, but your loan is. '' Their privacy policy specifically states that you can close the account and have your information deleted. I wrote back further emphasizing the privacy policy and was essentially ghosted. My account and the related information is still available on their website.
10/09/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Improper use of your report Reporting company used your report improperly	MN 55311	Web
On the eighth day of XXXX the year 2022 I XXXX XXXX Hereby certified that I am putting your company uplift INC on full legal warning. You claim you couldnt find any errors on the credit report as I have used factual base information to show you I will give you 30 days to remove the account in its entirety or else you will face the consequences! I have proof of taking legal acting before on creditors and credit reporting agencies if you dont believe me try me!
08/21/2023	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 Their investigation did not fix an error on your report	FL 33615	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
05/27/2022	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	TX 79938	Web
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.
05/17/2022	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 33952	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 166B : A creditor may not treat a payment on a loan account under a open end consumer credit plan as late for any purpose
05/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IA 502XX	Web
In accordance with Fair Credit Reporting Act XXXX Account has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
11/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89107	Web
I found account on my XXXX credit report that was opened around XXXX months ago. That do not belong to me. Account belong to UpLift llc. It is line of credit for about XXXX. That somebody is using it and make regular payments. I dont understand how this company could open account without hard inquiry on my credit? I noticed this account by accident. I contacted XXXX to remove this account from my credit report.
07/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 117XX	Web
XX/XX/XXXX collection account was opened for {$1400.00} XX/XX/XXXX it was raised to {$2500.00} XX/XX/XXXX it was reported I never received any notice. I have never used this company for any service at all. I called the company multiple times to rectify it and have it removed from my report as this was not me and must be some sort of mistake. They refuse to do anything about it. The company name is uplift inc.
08/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85345	Web
in accordance with the fair credit reporting act XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 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
08/22/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Problem getting a working replacement card	CA XXXXX	Web	Older American, Servicemember
I have been a XXXX XXXX for over 50 years used XXXX XXXX i was going out of XXXX was told to cancel and pay off which i did, i just got back and asked for a new card as XXXX left XXXX and accounts were sent to UpLift aka XXXX XXXX the company says i have adverse action i do not, As a XXXX Veteran i feel I am being discriminated against. UpLift and XXXX Bank have continued to mislead and lie to me
10/27/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	NE 687XX	Web
I work 10 to 12 hour days. Today XXXX XX/XX/2019. I received 7 calls from phone number XXXX and XXXX between XXXX XXXX and XXXX pm and each time it was a robot call asking me to hold. When I did not answer it, no voicemail was left for me. When I try and call the number back it asks me to hold for an operator and then hangs up after a minute or two or puts me on hold and after 7 mins I hang up.
06/22/2023	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 Their investigation did not fix an error on your report	FL 33610	Web
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
04/10/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TX 75035	Web
This was to cover the cost of a cruise which was canceled by the XXXX XXXX. They are continuing to charge me monthly fees plus 31.62 % APR despite the fact that my family has received nothing of any value. The refuse to stop automatically debiting my checking account despite the fact that we were not allowed to take the cruise and despite the fact that there is no money left in the account.
05/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 492XX	Web
XXXX loanwith Uplift has been paid in full as agreed since XX/XX/2022. Uplift hasn't reported to the credit bureaus since then and it still shows a balance on my credit report. I have disputed with the bureaus amd it remains and have contact Uplift directly with no resolution. A XXXX loan with Uplift hasn't been reported on since XXXX and the balance is incorrect by over {$1000.00} USD
02/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92026	Web
I sent UpLift a certified letter XXXX via USPS on XX/XX/2021 which was delivered on XX/XX/2021 disputing the inaccurate information they are reporting to my XXXX Credit Bureau and they never investigated it. Please see the attached letter for a full explanation of all of the inaccuracies. They failed to investigate it and are still reporting the inaccurate information my credit report.
12/29/2022	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	MN 55311	Web
I sent in FCRA violation on Uplft inc. i receive a message from my XXXX XXXX services that something was remove! Uplift or XXXX I asked for the account he removed for FCRA violations and in accuracy with both of you please respond and tell me what was removed because I requested the entire XXXX XXXX be removed nothing else and Ill be waiting your response I think you
11/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 20785	Web
I have had an account paid IN FULL with Uplift since XX/XX/2019. It is STILL REPORTING I have a balance of {$760.00}! I have called on sveeral occasions and they told me it's been updated and I can send a dispute if it's not accurate but yet they STILL ARE REPORTING IT WRONG! I want the account removed from my credit report for the egregious error.
03/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA XXXXX	Web
I informed the company UPLIFT that i never have an account with them and i want this account to be deleted from my report way before they and they said it was not going to my consumer report and upon checking my report this i see the company send three accounts in my consumer report. XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX AND XXXX ) XXXX.
09/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 20735	Web	Servicemember
In accordance with the Fair Credit Reporting Act XXXX Account Uplift , Inc 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 an account without my written instructions.
11/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31907	Web	Servicemember
im not sure when the account was open but i start receiving calls i contact the company and credit companies advise them of the issue and incorrect information the item is still floating on my accounts and i am still getting calls it has been months i am sure the company received the complaint directly from the credit company
09/09/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	IL 60466	Web
On XX/XX/XXXX, I applied for a loan with uplift for a loan and received an adverse action letter. I am a natural person, consumer who extended my credit in good faith to obtain a loan through Uplift. I was denied an extension of credit. Can someone look into this for me immediately! Pursuant to 15 usc 1691c 1692k 1691
08/26/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem with the payoff process at the end of the loan	VA 22206	Web
I notified Uplift on XX/XX/ about a XXXX XXXX purchase that did not occur, but their system was showing I had a loan that originated on XX/XX/. However, the merchant, XXXX XXXX verified that I did not make a purchase. As of XX/XX/2023, this Uplift loan is still active in Uplift with an upcoming payment schedule.
10/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 46342	Web
I have filed a dispute with Uplift and returned on XX/XX/2022. I called them two weeks again informing them I have been returned the dispute form back. I was told I would receive a call back from the Fraud department. I never received a call. This is not my account it is ridiculous how Uplift is handling this.
10/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 306XX	Web
Uplift Inc has reported an account on my XXXX credit report that has already been satisfied and paid in full months ago. It is severly impacting my credit score in a negative way. Please help. The debt was satisfied in XXXX. Please see attached! The negative tradeline on XXXX needs to be removed.
11/17/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 78109	Web
Started loan in XX/XX/XXXX the loan was to be paid off XX/XX/XXXX. I paid the remainder balance in XX/XX/XXXX. And the interest was {$450.00} but had I paid the account in XX/XX/XXXX it would have only been {$720.00}. No one can tell me why the interest was so much even though it was paid early.
09/15/2021	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	PA 19128	Web
I'm not swayed that XXXX Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureau is reporting inaccurate information on UPLIFTINC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
04/25/2023	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 Their investigation did not fix an error on your report	VA 23324	Web
This account is currently reporting on my credit report, and I have not physically signed anything or applied for any type of credit with the merchant. I have previously requested an Investigation into this matter, and I have not gotten a resolution to the complaint.
12/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MA XXXXX	Web
These accounts do not belong to me. Please remove the negative items as soon a possible, because they are hurting my credit. 1. Identity Theft XXXX Account Number : XXXX**** This is not mine. 2. XXXXXXXX XXXX UPLIFT INC. Account XXXX : XXXX This is not mine.
06/14/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	PA 17545	Web	Older American
Uplift.com financed a trip I took with XXXX XXXX XXXX in XX/XX/2022. I had issues onboard and tried to get XXXX to refund my cruise due to my issue. Notified Uplift about the issue -- nothing done See attached for more info
08/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 331XX	Web
Some one is using my SSN to pull credit/credit card. I have a lot of inquiries and have not been removed. This inquiries need to be remove, if they can not show proved of contracts etc. I also have freezed all 3 bureau.
05/03/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 770XX	Web
I noticed this collection on my report. I have no knowledge of what this is and have not done business with this company. I have never heard of this company. This is not my debt. Attempts to resolve have went no where.
02/02/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	IL XXXXX	Web
I sent a payment by certified mail to pay my account in full. The payment was received by their office XX/XX/26. They have not applied my payment and are drawing out the payoff process making my bill overdue.
05/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OH 44130	Web
After reviewing my credit report, I realized there was an entry for UPLIFT. I was a victim of Identity theft and I submitted all information to credit bureaus and company. It has never been taken care of.
08/23/2022	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 Problem with personal statement of dispute	CA 92663	Web
Uplift , Inc An account has been charged off but still continued to report on my credit report a negative XXXX XXXX XXXX - Account charged off continued to report negatively after they were paid in full
09/19/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 11236	Web
The company refused to remove the other traveler 's payment when they could not attend the trip. They can see on their end that only one traveler checked into the airport and one person into the resort.
02/23/2021	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 015XX	Web	Servicemember
UPLIFT INC. ACCOUT NUMBER XXXX. IS REPORTING ON 1 CREDIT REPORT THAT I WAS LATE XXXX OF XXXX BY 30 DAYS. THIS IS INCORRECT AND THEY HAVE YET TO REPLY OR FURNISH ANY PROOF THAT I WAS LATE
07/09/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	MD 20705	Web
Sometimes, last year I called UPLIFT INC to inquire about a balance. They lady I spoke with said to me the account is no longer with them. Its not reporting negative on my credit report
05/11/2023	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 Investigation took more than 30 days	MI 48111	Web
The investigation took longer than 30 days. I have attached the dispute letters I sent to XXXX, XXXX, and XXXX which date my First letter to XX/XX/23 and my second letter to XX/XX/23.
11/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 07105	Web
This company make a big mistake with my credit report they said I have missed payments! But, its no true! Only thing I did was delay payment for a couple days.
02/08/2023	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 Was not notified of investigation status or results	PA 19050	Web
I have filed a dispute in regards to the incorrect item on my credit report. It has been over XXXX days and I haven't received any investigation results.
09/08/2022	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 77803	Web
I filed a dispute in regard to the incorrect data on my credit report. It has been well over 30 days and I have not received any investigation results
03/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 852XX	Web
Received notice of credit opened in my name ( Uplift , Inc. ). Advised company. Now I am getting negative credit notices for past due balances.
10/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 60426	Web
I have filed a dispute in regards of items on my credit report. It has been well over 30 days and I haven't received any investigation results.
02/23/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 77581	Web
XX/XX/2022 Applied for installment loan in the amount of XXXX. Company denied stating unable to verify information adverse action.
04/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	DE 19720	Web
I asked the company to validate this debt they have been unable to. I have attached proof that the letter was delivered
06/19/2022	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	IL 60605	Web
Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UPLIFT, INC. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
10/24/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	VA 23320	Web	Servicemember
I have disputed this fraudulent account opened for so many times. I am a victim of identity fraud.
10/15/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21244	Web
I have recently obtained a copy of my credit report and noticed inaccurate accounts on my report.
11/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30106	Web	Servicemember
Uplift INC. has made an unauthorized inquiry on my report causing it to drop in points
11/04/2020	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60202	Web
I received a copy of my credit report and found an account that didn't belong to me.
06/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30294	Web
THESE ACCOUNTS DO NOT BELONG TO ME, PLEASE REMOVE THEM FROM MY CREDIT REPORT.
11/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 19018	Web
Inquires on my account from companies I do not have an account with.
06/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 95376	Web	Servicemember
I apply for finance was. Declined said unable too verify my identity
08/03/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28227	Web
Two Inquiries from Uplift show on my XXXX credit report.
01/31/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 21045	Web

01/30/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 76016	Web

01/24/2024	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	PA 15206	Web

01/23/2024	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	IL 625XX	Web

01/22/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 63137	Web

01/19/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29536	Web

01/19/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77377	Web

01/18/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94590	Web

01/17/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95835	Web

01/15/2024	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Incorrect information on your report Information belongs to someone else	HI 96786	Web

01/13/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70763	Web

01/12/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Was not notified of investigation status or results	GA 30349	Web

01/09/2024	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	KY 41051	Web	Servicemember

01/03/2024	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77079	Web

01/03/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89052	Web

01/03/2024	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 94577	Web

12/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30312	Web

12/19/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	GA 30349	Web

12/17/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MD XXXXX	Web

12/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 07010	Web

12/12/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TN 37042	Web

12/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	AZ 85128	Web

11/30/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Getting the loan	FL 32043	Web

11/29/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32738	Web

11/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60428	Web

11/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95348	Web

11/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76063	Web

11/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30318	Web

11/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 43125	Web

10/18/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Incorrect information on your report Information belongs to someone else	IL 60201	Web

10/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37406	Web

10/17/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem with additional add-on products or services	TX 78227	Web

10/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MI 48304	Web

10/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77320	Web

09/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	MD 20743	Web

09/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92584	Web

09/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77008	Web

09/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 79424	Web

08/24/2023	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 Investigation took more than 30 days	GA 30213	Web

08/09/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 93720	Web

08/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 13206	Web

07/31/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NJ 07302	Web

07/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92111	Web	Servicemember

07/25/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 94577	Web

06/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76040	Web

06/19/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	AR 72019	Web

06/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10453	Web

05/25/2023	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 Investigation took more than 30 days	FL 33844	Web

05/05/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 75241	Web

05/01/2023	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 Their investigation did not fix an error on your report	CO 80550	Web

04/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	TX 77224	Web

04/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76040	Web

04/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28262	Web

04/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37130	Web

03/17/2023	Yes	Payday loan, title loan, or personal loan Installment loan	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	TN 37215	Web

03/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48067	Web

03/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37167	Web

03/06/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30291	Web

03/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28262	Web

02/10/2023	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 Their investigation did not fix an error on your report	AZ 85029	Web

02/04/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19132	Web	Servicemember

01/27/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	OK 73120	Web

01/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85029	Web

01/26/2023	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 Their investigation did not fix an error on your report	AZ 85029	Web

01/16/2023	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 Their investigation did not fix an error on your report	NJ 07508	Web

01/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21044	Web

01/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77459	Web

12/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30277	Web

12/19/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	CO 80104	Web

12/15/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MD 21044	Web

12/14/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19124	Web

11/15/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21044	Web

11/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37909	Web

11/01/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	AL 35458	Web

10/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 95677	Web

09/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MN 55311	Web

08/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 49508	Web

08/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 70510	Phone

06/23/2022	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	CA 91913	Web

06/21/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	FL 32308	Web

06/19/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	NC 27807	Web	Servicemember

05/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DE 19904	Web	Servicemember

04/20/2022	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 32669	Web

04/08/2022	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	NJ 08080	Web Referral

04/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	AL 36742	Web

02/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DC 20017	Web

02/07/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Problem lowering your monthly payments	MN 55311	Web

02/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19146	Web	Servicemember

10/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 18042	Web

08/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23464	Web

06/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48238	Web

06/08/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 77584	Web

05/18/2021	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	AL 35215	Web

04/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 95240	Web

03/17/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 15201	Fax

11/27/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	MO 63367	Fax

09/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 44313	Web

08/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32814	Web

04/28/2020	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	FL 33312	Web

04/13/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60617	Web	Servicemember

01/29/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 90007	Web

12/13/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07960	Web

11/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	GA 30324	Web	Older American

10/17/2019	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 07747	Web

08/13/2019	No	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MI 48125	Web

07/05/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 07201	Fax