Upstart Holdings, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
03/22/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	MI 48219	Web
I paid a debt that the company claims that i didn't pay. so in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; XXXX, XXXX, XXXX Payoff Amount XXXX XXXX XXXX PAY TO THE BEARER FOR SPECIAL PURPOSES, SUCH AS BAILMENT OR GENERAL DEPOSIT ACCOUNT # : XXXX ACCOUNT : XXXX Why have you decided to prepay your loan? I authorize XXXX XXXX XXXX XXXX, the current creditor of my Upstart loan, to debit the ( XXXX ) account above on the payment date, plus any additional fees I owe as provided in my Promissory Note. I acknowledge that I may change or cancel this debit by contacting Upstart Loan Operations at XXXX and any change or cancellation must be received at least 3 business days from the scheduled debit to be effective. UCC 3-311 UCC 3-104 UCC 3-603 UCC 3-306 UCC 1-308 ( WITHOUT RECOURSE ) 15 USC 1692e 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to -- ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. ( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. ( 13 ) The false representation or implication that documents are legal process. ( 14 ) The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization. ( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer. ( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title. 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. ( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector 's intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit. ( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution. ( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument. ( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees. ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if -- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. ( 7 ) Communicating with a consumer regarding a debt by post card. ( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. 15 USC 1692c 805. Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX antemeridian and before XXXX XXXX postmeridian, local time at the consumer 's location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. ( d ) Consumer defined For the purpose of this section, the term " consumer '' includes the consumer 's spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator. 15 USC 1692j 812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. 3-603. TENDER OF PAYMENT. Primary tabs ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. ( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument.
02/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11520	Web
NOTICE TO CURE NOTICE OF FAULT NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL Loan id number XXXX upstart borrower id XXXX XXXX XXXX BANK IS SERVICING THIS LOAN ACTING AS A CONSUMER REPORTING AGENCY As well I have come across my consumer report and have noticed You are reporting my information without my written consent it is impossible for your company privacy policy to supersede federal law. Stated in 15 usc 1681 Congress has created the FCRA to insure the consumers right to privacy as all consumer reporting agencies including any company acting as consumer reporting agency have ASSUMED the vital role of assembling and evaluating consumer credit information Fact, XXXX XXXX Bank is a consumer reporting agency pursuant to 15 usc 1681a ( f ) a person who regularly engages assembling, evaluating consumer credit information, any other information on consumer for purpose of furnishing consumer reports to third parties such as but not limited XXXX, XXXX, XXXX Fact, XXXX XXXX Bank is a consumer reporting agency pursuant to 15 usc 1691a ( p ) assembling, evaluating, and maintaining, for the purpose of furnishing consumer reports to third parties bearing on a consumers credit worthiness, credit standing, or credit capacity, nationwide, XXXX XXXX Bank has shared my information to multiply THIRD PARTIES such as but not limited to XXXX, XXXX, XXXX. My account information on my consumer reports is evidence of this fact In your promissory note ( see exhibit ( E ) ) you have created on PAGE 5 pt 15. I Authorize you to obtain a credit report on me for any legal purpose in connection with this note, including any update, extension of credit, review or collection of this loan such action is a violation of the FCRA due to the fact you can only furnish a report with the written consent with the consumer to whom it relates 15 usc 1681 ( a ) ( 2 ), and pursuant to 15 usc 1681a ( 2 ) ( a ) ( i ) any report containing information on consumer report as solely transactions or experiences between you making the report and me the consumer must be excluded from a consumer report for example, such as but not limited to payment history, date of opening of account, or any other experiences such as late payments, charged off any and all information obtain through application or obtain through any credit transaction Pursuant to 15 usc 1681 ( a ) ( 2 ) you have no permissible purpose which is written consent from i the consumer to have furnished this account please send copies to address on file, as such document is required to be in my consumer file pursuant to 15 usc 1681a ( g ). Failure to produce such a document and in the case of continuing reporting of my information will cause XXXX XXXX Bank to be in violation pursuant to FCRA violation of consumer privacy, wilfully non compliance which may result in a remedies owed to me the consumer for such violation. XXXX, XXXX XXXX Bank is a financial institution which is defined pursuant to 15 usc 6827 ( 4 ). Pursuant to 15 usc 6802 ( b ) ( 1 ) a financial institution, may not disclose any nonpublic personal information, nonpublic personal information is defined pursuant to 12 CFR 1016.3 ( p ) ( XXXX ) ( i ) as personally identifiable financial information, personally identifiable financial information is defined pursuant to 12 CFR 1016.3 ( q ) ( 1 ) ( i ) ( ii ) ( iii ) as any information i have given you to obtain financial service from you and any information resulting from any and all transactions involving financial services between XXXX XXXX XXXX Bank and i the consumer, examples of information pursuant to 12 CFR 1016.3 ( q ) ( 2 ) ( i ) ( A ) Information i have provided to you on a application to obtain credit ( B ) Account balance information, payment history, overdraft history, ( C ) The fact that i am your customer or have been and the fact i have obtained a financial product or service from you ( E ) Any information that i have provided You or any one of your agents or employees obtain in connection with collecting on, or servicing, a credit account, ( F ) Cross River BankAny information You XXXX XXXX Bank may have collected through an internet cookie ( an information collecting device from a web server ). To a non affiliate third party unless ( A ) such financial institution clearly and conspicuously, clear and conspicuously is defined pursuant to 12 CFR 1016.3 ( b ) ( 1 ) means that a notice is reasonably understandable and designed to call attention to the nature and significance of the information in the notice, examples of reasonable understandable pursuant to 12 CFR 1016.3 ( b ) ( 2 ) ( i ) ( A ) Present the information in the notice clear with concise sentences, paragraphs, and sections, ( B ) Use short explanatory sentences or bullet list whenever possible, ( C ) Use definite, concrete, everyday words and and active voices whenever possible, ( D ) Avoid multiple negatives, ( E ) Avoid legal and highly technical business terminology whenever possible, ( F ) Avoid explanations that are imprecise and redlily subject to different interpretations, discloses to the consumer, in writing or electronic form that such information may be disclosed to such party and pursuant to 15 usc 6802 ( b ) ( 1 ) ( B ) i consumer is given the clear and conspicuous opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such party ; and, ( C ) i the consumer is given a clear and conspicuous explanation of how the consumer can exercise that nondisclosure option. ALL financial institutions shall deliver to all consumer a clear and conspicuous notice of financial institutions privacys policy And clear and conspicuous opt out methods to insure the safety of consumers nonpublic personal information pursuant to 15 usc 6803 ( a ) at the time of establishing the relationship between i the consumer and you the financial institution such notices shall be delivered in accordance to 12 CFR 1016.9 ( a ) ( b ) ( 1 ) ( i ) ( ii ) ( iii ), pursuant to 15 usc 6803 ( c ) each privacy notice shall include, ( 3 ) policies of financial institution that is place to maintain and to protect the confidentiality and security of consumers nonpublic personal information in accordance to section 15 usc 6801 which is pursuant to 15 usc 6802 ( A ) ( B ) ( C ), explains what is required of each financial institution before any nonpublic personal information may be shared to insure the protection of each consumers nonpublic personal information AND the power the consumer has in the decision of such information being shared or not shared. Federal regulation 12 CFR 1012.9 ( a ) ( b ) ( 1 ) ( i ) ( ii ) ( iii ) explains and gives examples for requirements of each financial institution to deliver each privacy notice and opt out form required to be delivered to each consumer so each consumer can reasonably be expected to receive such notices. Pursuant to 12 CFR 1016.7 ( a ) ( 1 ) ( i ) ( ii ) ( iii ) federal regulation p states what is required in each opt out notice, a clear and conspicuous notice that ACCURATELY explains the right all consumers have to opt out from nonpublic personal information being shared to any and all non affiliated third parties, and a reasonable means by which the consumer may exercise that right before such information is shared to any non affiliated third parties See exhibit ( e ) Due to your failure to follow congress requirements under the XXXX XXXX XXXX XXXX which is cleary disrespected in your privacy policy and opt out methods with failure to follow FEDERAL LAW AND REGULATIONS Pursuant to 18 usc 1028A ( a ) ( 1 XXXX XXXX XXXX Bank is in violation of aggravated identity theft for without lawful authority using a means of identification of another person pursuant to 18 usc 1028A ( c ) ( 8 ) XXXX XXXX BANK is in violation pursuant to XXXX XXXX XXXX for causing to be disclosed customer information of a financial institution relating to another natural person which is i the consumer, by pursuant to 15 usc 6821 ( a ) ( 3 ) providing a document, document defined pursuant to 15 usc 6827 ( 3 ) means any information in any form, which in this case nonpublic personal information pursuant to 12 CFR 1016.3 ( p ) ( 1 ) ( i ) to officer, employee or agent of a financial institution which pursuant to 15 usc 6827 ( 4 ) ( B ) XXXX, XXXX, XXXX are all financial institutions to whom XXXX XXXX Bank has shared to either a employee, officer or agent of such three consumer reporting agencies XXXX XXXX XXXX information that contains a fraudulent statement and representation of authority share my nonpublic personal information without consent from i the consumer which in fact makes you in violation pursuant to XXXX XXXX XXXX ( a ), The XXXX XXXX XXXX XXXX does not supersedes the requirements of the FCRA pursuant to 15 usc 1681 ( a ) ( 2 ) a consumer report must only be furnished with the written instructions of the consumer to whom it relates due, fact you have no permissible purpose to share any of my information. XXXX XXXX Bank is in violation pursuant to 18 usc 891a knowingly and conspiring to use extortionate means to collect and attempt to collect a extension of credit, extorinate means defined pursuant to 18 usc 891 ( 7 ) is any means which involves the use or an express or implicit threat of use, of violence and criminal means cause harm to the person reputation ( see exhibit ( E ) ) As stated on page 5 paragraph 15 of promissory note I Authorize you to obtain a credit report on me for any legal purpose in connection with this note, including any update, extension of credit, review or collection of this loan, according to 15 usc 1681 ( 4 ) it is my right as a consumer to the right to privacy and you Cross River furnishing a consumer report, sharing my nonpublic personal information to non affiliated third pirates is in fact a violation of my privacy and violation of FCRA, XXXX XXXX XXXX XXXX With Explicit Reservation of all Right, Without Prejudice UCC 1-308. XXXX XXXX
02/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11706	Web
NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO CURE NOTICE OF FAULT LOAD ID NUMBER XXXX BORROWER ID XXXX UP START IS SERVICING THIS LOAN AND HAS BEEN ACTING AS A CONSUMER REPORTING AGENCY SHARING MY INFORMATION As well I have come across my consumer report and have noticed You are reporting my information without my written consent it is impossible for your company privacy policy to supersede federal law. Stated in 15 usc 1681 Congress has created the FCRA to insure the consumers right to privacy as all consumer reporting agencies including any company acting as consumer reporting agency have ASSUMED the vital role of assembling and evaluating consumer credit information Fact, XXXX XXXX is a consumer reporting agency pursuant to 15 usc 1681a ( f ) a person who regularly engages assembling, evaluating consumer credit information, any other information on consumer for purpose of furnishing consumer reports to third parties such as but not limited XXXX, XXXX, XXXX Fact, XXXX XXXX is a consumer reporting agency pursuant to XXXX XXXX XXXX ( p ) assembling, evaluating, and maintaining, for the purpose of furnishing consumer reports to third parties bearing on a consumers credit worthiness, credit standing, or credit capacity, nationwide, XXXX XXXX has shared my information to multiply THIRD PARTIES such as but not limited to XXXX, XXXX, XXXX. My account information on my consumer reports is evidence of this fact In your promissory note you have created on PAGE 3 pt 13. I authorize you to obtain a credit report on me for any legal purpose in connection with this note, including any update, extension of credit, review, or collection of this loan see exhibit ( D ), such action is a violation of the FCRA due to the fact you can only furnish a report with the written consent with the consumer to whom it relates 15 usc 1681 ( a ) ( 2 ), and pursuant to 15 usc 1681a ( 2 ) ( a ) ( i ) any report containing information on consumer report as solely transactions or experiences between you making the report and me the consumer must be excluded from a consumer report for example, such as but not limited to payment history, date of opening of account, or any other experiences such as late payments, charged off any and all information obtain through application or obtain through any credit transaction Pursuant to 15 usc 1681 ( a ) ( 2 ) you have no permissible purpose which is written consent from i the consumer to have furnished this account please send copies to address on file, as such document is required to be in my consumer file pursuant to 15 usc 1681a ( g ). Failure to produce such a document and in the case of continuing reporting of my information will cause XXXX XXXX to be in violation pursuant to FCRA violation of consumer privacy, wilfully non compliance which may result in a remedy owed to me the consumer for such violation. Fact, XXXX XXXX is a financial institution which is defined pursuant to 15 usc 6827 ( 4 ). Pursuant to 15 usc 6802 ( b ) ( 1 ) a financial institution, may not disclose any nonpublic personal information, nonpublic personal information is defined pursuant to 12 CFR 1016.3 ( p ) ( 1 ) ( i ) as personally identifiable financial information, personally identifiable financial information is defined pursuant to 12 CFR 1016.3 ( q ) ( 1 ) ( i ) ( ii ) ( iii ) as any information i have given you to obtain financial service from you and any information resulting from any and all transactions involving financial services between You XXXX XXXX and i the consumer, examples of information pursuant to 12 CFR 1016.3 ( q ) ( 2 ) ( i ) ( A ) Information i have provided to you on a application to obtain credit, ( B ) Account balance information, payment history, overdraft history, ( C ) The fact that i am your customer or have been and the fact i have obtained a financial product or service from you ( E ) Any information that i have provided You XXXX XXXX or any one of your agents or employees obtain in connection with collecting on, or servicing, a credit account, ( F ) Any information You XXXX XXXX may have collected through an internet cookie ( an information collecting device from a web server ). To a non affiliate third party unless ( A ) such financial institution clearly and conspicuously, clear and conspicuously is defined pursuant to 12 CFR 1016.3 ( b ) ( 1 ) means that a notice is reasonably understandable and designed to call attention to the nature and significance of the information in the notice, examples of reasonable understandable pursuant to 12 CFR 1016.3 ( b ) ( 2 ) ( i ) ( A ) Present the information in the notice clear with concise sentences, paragraphs, and sections, ( B ) Use short explanatory sentences or bullet list whenever possible, ( C ) Use definite, concrete, everyday words and and active voices whenever possible, ( D ) Avoid multiple negatives, ( E ) Avoid legal and highly technical business terminology whenever possible, ( F ) Avoid explanations that are imprecise and redlily subject to different interpretations, discloses to the consumer, in writing or electronic form that such information may be disclosed to such party and pursuant to 15 usc 6802 ( b ) ( 1 ) ( B ) i consumer is given the clear and conspicuous opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such party ; and, ( C ) i the consumer is given a clear and conspicuous explanation of how the consumer can exercise that nondisclosure option. ALL financial institutions shall deliver to all consumer a clear and conspicuous notice of financial institutions privacys policy And clear and conspicuous opt out methods to insure the safety of consumers nonpublic personal information pursuant to 15 usc 6803 ( a ) at the time of establishing the relationship between i the consumer and you the financial institution such notices shall be delivered in accordance to 12 CFR 1016.9 ( a ) ( b ) ( 1 ) ( i ) ( ii ) ( iii ), pursuant to 15 usc 6803 ( c ) each privacy notice shall include, ( 3 ) policies of financial institution that is place to maintain and to protect the confidentiality and security of consumers nonpublic personal information in accordance to section 15 usc 6801 which is pursuant to 15 usc 6802 ( A ) ( B ) ( C ), explains what is required of each financial institution before any nonpublic personal information may be shared to insure the protection of each consumers nonpublic personal information AND the power the consumer has in the decision of such information being shared or not shared. Federal regulation 12 CFR 1012.9 ( a ) ( b ) ( 1 ) ( i ) ( ii ) ( iii ) explains and gives examples for requirements of each financial institution to deliver each privacy notice and opt out form required to be delivered to each consumer so each consumer can reasonably be expected to receive such notices. Pursuant to 12 CFR 1016.7 ( a ) ( 1 ) ( i ) ( ii ) ( iii ) federal regulation p states what is required in each opt out notice, a clear and conspicuous notice that ACCURATELY explains the right all consumers have to opt out from nonpublic personal information being shared to any and all non affiliated third parties, and a reasonable means by which the consumer may exercise that right before such information is shared to any non affiliated third parties Due to your failure to follow congress requirements under the XXXX XXXX XXXX ACT which is cleary disrespected in your privacy policy and opt out methods with failure to follow FEDERAL LAW AND REGULATIONS Pursuant to 18 usc 1028A ( a ) ( 1 ) XXXX XXXX is in violation of aggravated identity theft for without lawful authority using a means of identification of another person pursuant to 18 usc 1028A ( c ) ( 8 ) XXXX XXXX is in violation pursuant to 15 usc 6821a for causing to be disclosed customer information of a financial institution relating to another natural person which is i the consumer, by pursuant to 15 usc 6821 ( a ) ( 3 ) providing a document, document defined pursuant to 15 usc 6827 ( 3 ) means any information in any form, which in this case nonpublic personal information pursuant to 12 CFR 1016.3 ( p ) ( 1 ) ( i ) to officer, employee or agent of a financial institution which pursuant to 15 usc 6827 ( 4 ) ( B ) XXXX, XXXX, XXXX are all financial institutions to whom XXXX XXXX has shared to either a employee, officer or agent of such three consumer reporting agencies XXXX XXXX XXXX information that contains a fraudulent statement and representation of authority share my nonpublic personal information without consent from i the consumer which in fact makes you in violation pursuant to 15 usc 6823 ( a ), The XXXX XXXX XXXX Act does not supersedes the requirements of the FCRA pursuant to 15 usc 1681 ( a ) ( 2 ) a consumer report must only be furnished with the written instructions of the consumer to whom it relates due, fact you have no permissible purpose to share any of my information. XXXX XXXX is in violation pursuant to 18 usc 891a knowingly and conspiring to use extortionate means to collect and attempt to collect a extension of credit, extorinate means defined pursuant to 18 usc 891 ( 7 ) is any means which involves the use or an express or implicit threat of use, of violence and criminal means cause harm to the person reputation As stated on PAGE 3 pt 13 exhibit ( D ). I authorize you to obtain a credit report on me for any legal purpose in connection with this note, including any update, extension of credit, review, or collection of this loan, according to 15 usc 1681 ( 4 ) it is my right as a consumer to the right to privacy and you XXXX XXXX furnishing a consumer report, sharing my nonpublic personal information to non affiliated third pirates is in fact a violation of my privacy and violation of FCRA, XXXX XXXX XXXX ACT With Explicit Reservation of all Right, Without Prejudice XXXX XXXX. XXXX XXXX
02/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11236	Web
NOTICE TO CURE NOTICE OF FAULT NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL Up start is servicing account LOAN ID NUMBER XXXX I have come across my consumer report and have noticed You are reporting my information without my written consent it is impossible for your company privacy policy to supersede federal law. Stated in 15 usc 1681 Congress has created the FCRA to insure the consumers right to privacy as all consumer reporting agencies including any company acting as consumer reporting agency have ASSUMED the vital role of assembling and evaluating consumer credit information Fact, XXXX XXXX XXXX XXXX is a consumer reporting agency pursuant to 15 usc 1681a ( f ) a person who regularly engages assembling, evaluating consumer credit information, any other information on consumer for purpose of furnishing consumer reports to third parties such as but not limited XXXX, XXXX, XXXX Fact, XXXX XXXX XXXX XXXX bank is a consumer reporting agency pursuant to 15 usc 1691a ( p ) assembling, evaluating, and maintaining, for the purpose of furnishing consumer reports to third parties bearing on a consumers credit worthiness, credit standing, or credit capacity, nationwide, XXXX XXXX XXXX XXXX has shared my information to multiply THIRD PARTIES such as but not limited to XXXX, XXXX, XXXX. In your promissory note you have created on PAGE 4 pt 13. You may report information about my loan to credit bureaus " SEE EXHIBIT ( D ) such action is a violation of the FCRA due to the fact you can only furnish a report with the written consent with the consumer to whom it relates 15 usc 1681 ( a ) ( 2 ), and pursuant to 15 usc 1681a ( 2 ) ( a ) ( i ) any report containing information on consumer report as solely transactions or experiences between you making the report and me the consumer must be excluded from a consumer report for example, such as but not limited to payment history, date of opening of account, or any other experiences such as late payments, charged off any and all information obtain through application or obtain through any credit transaction Pursuant to 15 usc 1681 ( a ) ( 2 ) you have no permissible purpose which is written consent from i the consumer to have furnished this account please send copies to address on file, as such document is required to be in my consumer file pursuant to 15 usc 1681a ( g ). Failure to produce such a document and in the case of continuing reporting of my information will cause XXXX XXXX XXXX XXXX to be in violation pursuant to FCRA violation of consumer privacy, wilfully non compliance which may result in a remedies owed to me the consumer for such violation. XXXX, XXXX XXXX XXXX XXXX is a financial institution which is defined pursuant to 15 usc 6827 ( 4 ). Pursuant to 15 usc 6802 ( b ) ( 1 ) a financial institution, may not disclose any nonpublic personal information, nonpublic personal information is defined pursuant to 12 CFR 1016.3 ( p ) ( 1 ) ( i ) as personally identifiable financial information, personally identifiable financial information is defined pursuant to 12 CFR 1016.3 ( q ) ( 1 ) ( i ) ( ii ) ( iii ) as any information i have given you to obtain financial service from you and any information resulting from any and all transactions involving financial services between You XXXX XXXX XXXX XXXX and i the consumer, examples of information pursuant to 12 CFR 1016.3 ( q ) ( 2 ) ( i ) ( A ) Information i have provided to you on a application to obtain a credit card, ( B ) Account balance information, payment history, overdraft history, ( C ) The fact that i am your customer or have been and the fact i have obtained a financial product or service from you ( E ) Any information that i have provided You XXXX XXXX XXXX XXXX or any one of your agents or employees obtain in connection with collecting on, or servicing, a credit account, ( F ) Any information You XXXX XXXX XXXX XXXX may have collected through an internet cookie ( an information collecting device from a web server ). To a non affiliate third party unless ( A ) such financial institution clearly and conspicuously, clear and conspicuously is defined pursuant to 12 CFR 1016.3 ( b ) ( 1 ) means that a notice is reasonably understandable and designed to call attention to the nature and significance of the information in the notice, examples of reasonable understandable pursuant to 12 CFR 1016.3 ( b ) ( 2 ) ( i ) ( A ) Present the information in the notice clear with concise sentences, paragraphs, and sections, ( B ) Use short explanatory sentences or bullet list whenever possible, ( C ) Use definite, concrete, everyday words and and active voices whenever possible, ( D ) Avoid multiple negatives, ( E ) Avoid legal and highly technical business terminology whenever possible, ( F ) Avoid explanations that are imprecise and redlily subject to different interpretations, discloses to the consumer, in writing or electronic form that such information may be disclosed to such party and pursuant to 15 usc 6802 ( b ) ( 1 ) ( B ) i consumer is given the clear and conspicuous opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such party ; and, ( C ) i the consumer is given a clear and conspicuous explanation of how the consumer can exercise that nondisclosure option. ALL financial institutions shall deliver to all consumer a clear and conspicuous notice of financial institutions privacys policy And clear and conspicuous opt out methods to insure the safety of consumers nonpublic personal information pursuant to 15 usc 6803 ( a ) at the time of establishing the relationship between i the consumer and you the financial institution such notices shall be delivered in accordance to 12 CFR 1016.9 ( a ) ( b ) ( 1 ) ( i ) ( ii ) ( iii ), pursuant to 15 usc 6803 ( c ) each privacy notice shall include, ( 3 ) policies of financial institution that is place to maintain and to protect the confidentiality and security of consumers nonpublic personal information in accordance to section 15 usc 6801 which is pursuant to 15 usc 6802 ( A ) ( B ) ( C ), explains what is required of each financial institution before any nonpublic personal information may be shared to insure the protection of each consumers nonpublic personal information AND the power the consumer has in the decision of such information being shared or not shared. Federal regulation 12 CFR 1012.9 ( a ) ( b ) ( 1 ) ( i ) ( ii ) ( iii ) explains and gives examples for requirements of each financial institution to deliver each privacy notice and opt out form required to be delivered to each consumer so each consumer can reasonably be expected to receive such notices. Pursuant to 12 CFR 1016.7 ( a ) ( 1 ) ( i ) ( ii ) ( iii ) federal regulation p states what is required in each opt out notice, a clear and conspicuous notice that ACCURATELY explains the right all consumers have to opt out from nonpublic personal information being shared to any and all non affiliated third parties, and a reasonable means by which the consumer may exercise that right before such information is shared to any non affiliated third parties Due to your failure to follow congress requirements under the XXXX XXXX XXXX XXXX which is cleary disrespected in your privacy policy and opt out methods with failure to follow FEDERAL LAW AND REGULATIONS Pursuant to 18 usc 1028A ( a ) ( 1 ) XXXX XXXX XXXX XXXX is in violation of aggravated identity theft for without lawful authority using a means of identification of another person pursuant to 18 usc 1028A ( c ) ( 8 ) FNBO Personal Loans Operations is in violation pursuant to 15 usc 6821a for causing to be disclosed customer information of a financial institution relating to another natural person which is i the consumer, by pursuant to 15 usc 6821 ( a ) ( 3 ) providing a document, document defined pursuant to 15 usc 6827 ( 3 ) means any information in any form, which in this case nonpublic personal information pursuant to 12 CFR 1016.3 ( p ) ( 1 ) ( i ) to officer, employee or agent of a financial institution which pursuant to 15 usc 6827 ( 4 ) ( B ) XXXX, XXXX, XXXX are all financial institutions to whom XXXX XXXX XXXX XXXX has shared to either a employee, officer or agent of such three consumer reporting agencies XXXX XXXX XXXX information that contains a fraudulent statement and representation of authority share my nonpublic personal information without consent from i the consumer which in fact makes you in violation pursuant to 15 usc 6823 ( a ), The XXXX XXXX XXXX XXXX does not supersedes the requirements of the FCRA pursuant to 15 usc 1681 ( a ) ( 2 ) a consumer report must only be furnished with the written instructions of the consumer to whom it relates due, fact you have no permissible purpose to share any of my information.FNBO Personal Loans Operations is in violation pursuant to 18 usc 891a knowingly and conspiring to use extortionate means to collect and attempt to collect a extension of credit, extorinate means defined pursuant to 18 usc 891 ( 7 ) is any means which involves the use or an express or implicit threat of use, of violence and criminal means cause harm to the person reputation As stated on page 4 of promissory note I AM AWARE THAT A NEGATIVE CREDIT REPORT REFLECTING ON MY CREDIT RECORD MAY BE SUBMITTED TO A CREDIT REPORT AGENCY IF I FAIL TO FULFILL THE TERMS OF MY CREDIT OBLIGATIONS SEE EXHIBIT ( E ), according to 15 usc 1681 ( 4 ) it is my right as a consumer to the right to privacy and you XXXX XXXX XXXX XXXX furnishing a consumer report, sharing my nonpublic personal information to non affiliated third pirates is in fact a violation of my privacy and violation of FCRA, XXXX XXXX XXXX XXXX With Explicit Reservation of all Right, Without Prejudice UCC 1-308. XXXX XXXX
08/07/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	CA 93704	Web
Here is a copy of the letter I wrote to Upstart as a last resort. I removed all personal information and can provide images, documents, bank records and email exchanges to support all details below. I also attached this word document in full. I appreciate your time to review the information and help resolving this. Thank you. Loan # : XXXX XXXX XXXX ( spouse ) Mobile : XXXX Email : XXXX Loan # : XXXX Start date : Start XXXX Payoff Date : XX/XX/XXXXXXXX Hello Upstart, I am writing this letter with the up most urgency, frustration, and need for resolution of the matter I am about to present by today XXXX XX/XX/XXXXXXXX XXXX In a very simplified statement, I have paid off our Upstart loan in full ( confirmed by XXXX XXXX ) and due to a very unfortunate clerical error and previously lost check by Upstart the loan has accidentally been reinstated. After endless attempts to resolve this matter over the last two months with phone calls, emails, and filed investigations with customer service agents, managers, supervisors, back-office investigators we can not reach any Upstart employee with the capacity to resolve this issue. Now I will present a series of events that will clearly show that the loan is paid in full, and the actions taken by Upstart show negligence and a potential, tomorrow if not resolved, to be a clear violation of the Fair Credit Reporting Act for false reporting. As I write this letter, Upstart is threatening to send myself to collections on XX/XX/XXXX for a loan that we have already paid in full and no longer have with your company. Here is the summary of the events and documents that will clearly show my Upstart loan is paid in full as of XX/XX/XXXX ( please see confirmation email from Upstart and XXXX XXXX confirmation ). ***Please note this must be resolved on Monday XX/XX/XXXX. I am currently filling a report and calling the Office of the Comptroller of the Currency, Consumer Financial Protection Bureau, The Department of Financial Protection and Innovation, The Federal Deposit Insurance Corporation ( FDIC ), California Attorney General, The XXXX XXXX XXXX, and seeking legal protection if needed. I will not stop until you assure me this never happens to a borrower again. Here are the events : Loan start date XX/XX/XXXXXXXX XXXX complete a cash out refinance through our home lender XXXX with the goal of paying off higher interest debt. The title company used was XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX issued XXXX XXXX XXXX # XXXX on XX/XX/XXXXXXXX : Mailed to Upstart via United States Postal Service ( standard mail ) Called several times during the month of XXXX to confirm if payment received. Upstart informed to call back and check not received. XX/XX/XXXX called Upstart again and informed check had not been received and Upstart recommended sending a new check. Also, Upstart stated that if a payment was not made by XX/XX/XXXX ( for the month of XXXX ) the account would be late and I would be reported to collections. Payment was made on XX/XX/XXXX, in the amount of {$1200.00}. XXXX XXXX XXXX XXXX was contacted and asked to cancel the XXXX check # : XXXX A new check was issued. Check # XXXX in the amount of {$39000.00}. The check was mailed overnight on Thursday, XX/XX/XXXX via United States Postal Service. Email confirmation was received from Upstart on Friday, XX/XX/XXXX stating that the loan was paid in full, and the loan was overpaid by {$2100.00}. Friday XX/XX/XXXX over payment re-fund was not received. I placed a call on XX/XX/XXXX, and spoke with Upstart customer service agent XXXX and she provided the following information : o The loan is paid in full, and a refund is due ( confirmation above by email and below by app screenshot ) : o To receive a refund, I needed to call to initiate the bank transfer ( Please note this is in direct conflict to what the email confirmation above states ) o XXXX initiated the refund and over payment in the amount of {$2100.00}. Which was received in our XXXX XXXX checking account. please, see screenshot below : o XXXX also stated that the first lost/misplaced check was found and would you like for that check to be canceled? We confirmed that XXXX XXXX XXXX had already canceled the first check, the loan had been paid in full on XX/XX/XXXX, and yes please cancel the first check that Upstart had lost. After our phone call with XXXX, we received the email on Tuesday XX/XX/XXXX from Upstart employee XXXX that our over payment had been issued and loan was paid in full as of the check received on XX/XX/XXXX : Thursday XX/XX/XXXXXXXX XXXX we received and email that the payment on XX/XX/XXXX for {$39000.00} had failed and we owed a {$15.00} fee. Friday XX/XX/XXXXXXXX XXXX : I Called Upstart in reference to the message saying our payment had failed and an investigation was opened. Wednesday XX/XX/XXXXXXXX XXXX XXXX XXXX Called Upstart four separate times during my workday and with my husband XXXX XXXX to hopefully talk to an Upstart employee that could quickly resolve this issue. Additionally, investigations filed, and the following email received stating that we owe {$1200.00} ( includes a late fee ) Wednesday XX/XX/XXXXXXXX XXXX : Email received from XXXX at Upstart stating that an in depth investigation was now occurring Wednesday XX/XX/XXXX : Multiple documents sent to XXXX clearly showing that check had cleared XXXX XXXX and loan closed and an explanation from XXXX XXXX XXXX XXXX : Wednesday XX/XX/XXXXXXXX XXXX XXXX : The following two emails were received from XXXX stating the following : o YES, we did cancel the first check with your customer service agent XXXX because we already sent the second check ( which can be viewed above ), cashed by Upstart, confirmed by XXXX XXXX, confirmed by XXXX XXXX XXXX XXXX, overpayment received, and we did not want a situation where you would TRY TO DEPOSIT A SECOND CHECK. Which unfortunately you did. Thursday XX/XX/XXXX : Called Upstart and spoke with customer service employee XXXX you informed us that XXXX was in contact with the Upstart Treasury department and she would have an answer for us by Friday XX/XX/XXXX. Friday XX/XX/XXXX : Final email from XXXX at Upstart stating the following : As you can see there is some serious confusion happening here. First, yes, we did cancel the 1st check ( Check # : XXXX ), that you likely misplaced, and sent a second check ( Check # : XXXX ) which cashed by Upstart on XX/XX/XXXX. XXXX is saying that somehow our lender XXXX XXXX XXXX XXXX canceled a check that you deposited weeks earlier on XX/XX/XXXX ( see image above with deposit date ). None of this makes any sense at all. Friday XX/XX/XXXX : With XXXX XXXX from XXXX XXXX XXXX services and my husband XXXX XXXX we called Upstart to hopefully bring this to resolution before we are reported to collections. We talked to Upstart employee XXXX who was helpful and tried everything she could to reach a manager but was unable to. She did inform us of two Upstart managers named XXXX and XXXX who could potentially assist us with this is matter. We have not heard from either. In summary over the last two months, my husband and I spent over a minimum of 6 hours on the phone with Upstart, 10 hours combined of lost work time, 16 hours of combined XXXX, and a very stressful family vacation knowing this was not being resolved. I hope you can imagine the extreme emotional stress of paying of a loan of over {$39000.00} and then having it reinstated and the complete and utter negligence of Upstart to resolve what is likely a simple clerical or computer error. The reality is we do not have our money, totally {$39000.00}, for over the last two months and neither does XXXX XXXX XXXX XXXX. In addition, Upstart is threatening to send us to collections end of day on XX/XX/XXXXXXXX for a loan that has been paid in full and about to make a negligent false claim to the credit bureaus. This must be resolved by today Monday XX/XX/XXXX, not tomorrow, not this week, today. We have also just emailed this to XXXX XXXX XXXX XXXX XXXX XXXX who will assist us with escalating this to the appropriate parties at Upstart.
09/18/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	AZ 85138	Web
CASE NO. XXXX Upstarts online system, during the application process accessed my bank information, searched it, pulled up the bank and type of account that it was, it entered my bank account ID & password, did verify my prepaid account as acceptable.. NOT ONLY THAT, a week later they lied about trying to deposit, while holding up my process to move forward with different and better financial institutions that are not fraudulent and dont do illegal business practices and financial transactions like upstart/XXXX has done..there is a signed agreement of release of funds promissory to pay verified and approved loan that is currently still ACTIVE AND OPENeven though your company used the prepaid account that they approved and verified several times online and over the phone with multiple employees in supervisor positions and management as a scapegoat to try and cover up, lie, and exercise deceptive business practices for almost an entire week, Upstart then proceeded to constantly continue to check the system and confirm the status of the approval and my active, open, LEGALLY BINDING loan agreement with them that was also then at the time from XX/XX/2021 and still presently right now, almost coming on 3 weeks showing that I have a certified legitimate financial loan agreement with Upstart/XXXX.Next, Upstart still moved forward and adjusted the loan approval agreement date to start on XX/XX/2021, while verbally requesting a completely different regular bank and account from me submitted with a voided check which then was approved and verified verbally and by email confirmation and on the companys website login dashboard with a loan account ID number, by multiple loan representatives once again..they then assured that the new bank and account was acceptable, verified and approved, and that my loan will be deposited into this new bank account in 1-3 business days. Needless to say 5 days had passed and still no deposit was made nor received by Upstart/XXXX.. then I constantly continued to get the runaround for several hours, days, and weeks ..in which they stated and guaranteed that they will abide by the active approved loan agreement and amount and that it will be pushed through immediately and that they needed me to resubmit a new loan application with a different email account which had to be done that way only because I do have an open, active, and legitimate loan account and agreement already with them in good standing ... while still being fraudulent and deceitful they then requested additional information supposedly because now its been over 10 days and I have to reapply in order for the loan to be activated in their system.. which was more lies and excuses demonstrated by every employee I associated with. I was then assured and guaranteed that I will not have any further problems and that they will definitely get my original loan resubmitted and pushed through as priority status and paid out to me within 48 to 72 hours. I did as directed to do..do the application and wait until the next day for a phone conference and appointment with management and the front end-and that everyone has been notified and is aware of the situation and to get it pushed through and approved again.. I tried that like 10 times but it never worked, so I had to call a representative again. I was on hold for another 30min then I was told go back in the system online and try again with the new email account again, and I did as requested by management.. TO MY DISSATISFACTION, disappointment, and frustration!!!! They then rigged the system to decline my application and give me problems to even submit it, in which their actions kept suspending and deactivating my bank account over 7or 8 times and I then had to keep reactivating my account until I was eventually kicked out of access to my bank account. The next day I waited for call back appointment and we discussed what happened. I was put on hold for very long periods and then I became victim to racial profiling and discrimination by an employee who made disrespectfully comments and suggestions about the type of music that played while I was on hold for extended periods of time. They assumed and asked if I wanted the music to continue to play or if I wanted it off because it might be bothersome for me.. which was classical music..I was extremely offended and appalled at the suggestion. I then made the representative aware that I love classical music and that I often for many years and still do attend the symphony orchestra. That was hurtful, unexpectedly very unnecessary, and completely unacceptable. They never called me back as they kept dropping the call, and I constantly got the runaround and several days and hours of stress spent on this while dealing with mental health issues as well as physical ..they have a fraudulent loan for XXXX $ which is open on my credit report since approval from XX/XX/XXXX XXXX with signed promissory documentation, loan agreement signed, and APPROVED, but never received payment into my account even though both accounts were verified electronically and verbally.. I am now in a worse financial situation and in a position that is very difficult now because I can not get another loan for my business emergency endeavors problem due to upstart/XXXX holding of my still active loan agreement funds that was never transferred to my bank account or paid to me in any form, EVEN THOUGH I was legally fully approved and even though I did sign off on the loan agreement promissory to pay form, and also received legitimate multiple confirmations and verified approval several times by numerous employees.. my process for deposit of funds, even while I show I have an open loan on my credit report and documentation this is a very URGENT MATTER and damaging to my chances of opening a new loan, damage to my credit score and inquiries and by putting me further in debt by holding up my process to get approval from another financial institute, by causing me pain, suffering, and severe stress considering my XXXX XXXX status and medical condition.. I have been on the phone with your company a total of over 27 hours.. I have constantly got the runaround, playing phone tag with your company constantly dropping my calls and disconnection of our conversations to come to some type of resolution, avoided in pursuit of equal and fair business relations and professional interaction, receiving deceptive business practices by staff and management team.. I have been discriminated against because of my XXXX XXXX and also income and my ethnicity.. I am will be seeking legal counsel concerning these matters and damages in regards to the negligent, unfair, credit discrimination, discrimination of XXXX SSDI income, in an attempt to eradicate discrimination in the granting of credit financial banking services., if theses matters of concern are not dealt with promptly, equal, and fairly, To deal with perceived inadequacies and illegal practices of this company.. I have made multiple attempts to allow for the matters to be resolved in a more than fair enough and timely matter.. but in return for my consumer interaction in pursuit of business, my considerably more than modest cooperation, and my patience of allowing management to recommend fraudulent practices.. all I have received is unequal access, disregards, unethical treatment, disrespectful racially profiling and discriminatory remarks that were offensive and very stereotypical by cost of my valuable resources and time..
09/13/2022	No	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NY 11234	Web
I XXXX XXXX XXXX, a am a federally protected consumer, debtor, and holder in due course pursuant UCC 3-306 living at my principal dwelling at XXXX XXXX XXXX XXXX, XXXX, New York XXXX XXXX, here put you UPSTART a creditor, operating under Truth in Lending Act, TILA, a for-profit company whose headquarters is located in the area of XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, CA XXXX. United States of America on a notice about a billing error under 12 CFR 1026.13 ( a ), beginning with the date the account was opened. I received the agreement and I believe its fraudulent because your company used false and deceptive advertising practice to use my signature application in consumer credit transaction means any transaction in which credit is offered or extended to an individual for personal, family, or household purposes, and turned it into a loan for your selfish purposes and its a violation to my right which I deserve remedy under Truth in lending Act. The moment I accepted the credit offer, I became the holder in due course. Here are some facts Fact, an account pursuant 12 CFR 1002.2 ( a ) means an extension of credit. When employed in relation to an account, the word use refers only to open-end credit. Fact, since opening the credit transaction account, I have paid a monthly bill to UPSTART, online, using my bank. Fact, I the consumer believe this the loan was for personal and household purposes only. Fact, UPSTART failed to provide me with my right of rescission According to 226.15 Right of rescission Fact, I, the consumer, am aware that UPSTART, failed to provide me with the General Disclosures which are requirements pursuant 12 CFR 1026.17 and is a violation of said section. Fact, I, the consumer, am asserting my right to acquire documentary evidence in accordance with 15 U.S.C. 44 for the books of account as defined in IRS Publication 583, to explain and address such subject matter contained in said billing statements. I'd like to access both the journal and credits of the account, as well as the ledger and debits of the account, in order to verify the current accounting and taxes related to this account. Fact, I, the consumer, am aware, with resolving this billing error, the creditor has legally agreed to forfeit all rights to collect on all past, present, and future amounts in dispute pursuant to Title 15 U.S.Code 1666 ( e ). Fact, UPSTART shall follow the following procedures as defined pursuant 12 CFR 1026.13 ( e ) : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer. I hereby demand that all future coupons be sent to my place of abode, as listed on the account in question, in the form of a check, from XXXX of XXXX, current, and future payments. Fact, I, the consumer, hereby invoke my right as a consumer to withhold all past, present, and future disputed amounts pursuant 12 CFR 1026.13d ( 1 ). Fact, I, the Consumer am aware, that, UPSTART as the creditor may not collect any disputed amount. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, or close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Such actions by UPSTART will forfeit its rights to collect the disputed amount as described in 15 U.S.Code 1666 ( e ) and hold the creditor liable under 15 U.S.Code 1693m for UPSTART for the actual damage caused to I, the consumer, as well as held to criminal liability pursuant to 15 U.S.Code 1693n for failing to present required documentary evidence as requested to clarify and resolve the previously addressed billing error. Fact, I, the consumer am aware, UPSTART, can not and shall not restrict nor limit nor cause any disruption of any manner of the account in question pursuant 12 CFR 1026.13d ( 3 ), a creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section. Fact, I, the consumer am aware, that, in accordance with 16 C.F.R. 433.3 UPSTART is not exempt from any claims or defenses as described in 16 C.F.R. 433.2 ( a ) as the consumer, may invoke her rights as the debtor in this consumer credit contract against UPSTART for the unfair and deceptive practices herein as no contract after the date of XX/XX/XXXX is exempt from 16 C.F.R. 433.3. Fact, I, the consumer, have reason to believe and do so believe, UPSTART which is a private for profit corporation, regardless of your/their location, has participated in racketeering activity as defined in Title 18 U.S.Code 1961, by knowingly, intentionally, with forethought and malice have been sending dividends but, in fact, making me believe that dividend was a billing statement, which is embezzlement, theft by deception and extortion. Fact, I the consumer, have reason to believe and do so believe, UPSTART is in violation of is a violation of 18 U.S. Code 1341by knowingly participating in the fraud through the US Mail. Fact, without an affidavit response with a rebuttal, point for point, then I am conditionally accepting your non-reasonable response, as frivolous, and I will file fault judgment in the favor of the interest of I the consumer, holder in due course, attorney, and XXXX in fact. Fact, I, the consumer am aware, an unrebutted affidavit stands as truth in commerce. Fact, I, the consumer, am invoking my rights pursuant to 15 U.S.Code 1692c ( c ), I demand you to cease any communications and collection activity of this alleged debt until you can provide me with the requested information in this affidavit herein. You have 15 days from the date of delivery to respond to this notice. Should there be dishonor in the aforementioned requested documentation by way of unrebutted affidavit, failure to disclose requested documents or failure of response, and the particular requests to rectify any fault by UPSTART herein, will serve as acquiescence and your agreement to a default judgment against your company for the dishonor in the negotiable instrument, bank fraud, creation of the false and deceptive form, mishandling of goods, compromising my relationship with other financial institutions and including stress caused to me in the attempt of exercising my rights in good faith. However, I do in good faith expect you to handle these matters with ordinary care to address all subject matter. Respectfully. Notice, I, the consumer, in writing with adequate information on all forms of remittance accepted and the remittance provider address and the name exactly as it appears on the I.R.S statements so we can resolve this issue post haste. I declare under penalty of perjury WITHOUT the United States ( 28 U.S.C 1746 ) that the Above is the Truth, The Whole Truth and Nothing but the Truth to the best of my knowledge and Over standing.
06/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27616	Web
XXXX XXXX XXXX XXXX XXXXet pl RXXXX, Nc XXXX XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX : XXXX UPSTART NETWORK INCXXXX : XXXX XXXX XXXX XXXX XXXXXXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( 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. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 15 U.S.C section 602 A. Clearly States that i have the right to privacy. 15 U.S.C section 1681 a creditor may not treat a payment. On a credit card account under an open-end consumer credit plan as late for any purpose. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] I saw these inquiries are on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Inquiry from XXXX XXXX XXXX XXXX, Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX This inquiry was not authorized, please remove it. Inquiry from XXXX XXXX XXXX XXXX, I, Note : HARD Inquiry : Automotive - XXXX, Date : XX/XX/XXXX This is questionable, please investigate it or remove it. Inquiry from XXXX XXXX XXXX XXXX, Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX XX/XX/XXXX, XXXX XXXX https : XXXX https : XXXX XXXX This inquiry was not authorized, please remove it. Inquiry from XXXX, Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX This inquiry was not authorized, please remove it. I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. Account : XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Please verify this information or remove it. Account : US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX ) ( XXXX ) Date Opened : Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. Account : US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX ) ( XXXX ) Date Opened : Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. Account : US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX ) ( XXXX ) Date Opened : Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. Account : US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX ) ( XXXX ) Date Opened : Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. Account : XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. XX/XX/XXXX, XXXX XXXX https : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX ( Original Creditor : XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Please verify this information or remove it. Account : XXXX XXXX XXXX ( Original Creditor : XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Please verify this information or remove it. Account : DEPT OF EDXXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. Account : DEPT OF EDXXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. Account : DEPT OF ED/XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. Account : DEPT OF ED/XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. Best regards, XXXX XXXX
11/23/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	NY 11201	Web
I applied for a loan with XXXX. They requested the following documents from me to process my loan : Bank deposit screenshot : Please provide a screenshot of your online bank portal showing : bank name, web address ( URL ), your name, and transactions for the period of XX/XX/2021 that verifies the paystub you provided. I provided a screenshot of the transaction however my bank does not provide all of the information XXXX was requesting in XXXX screenshot. XXXX 's response to the screenshot I provided was : We've reviewed your document, but it was not sufficient. The bank deposit screenshot you provided doesn't contain your name or the bank name. Please provide a screenshot of your online bank portal showing : bank name, web address ( URL ), your name, and transactions for the period of XX/XX/2021 that verifies the paystub you provided. I then reached out to my bank & they verified that what XXXX was asking for is not how their online portal system is set up. They did however offer to draft an official document verifying all the info XXXX was requesting. I relayed this info to XXXX they responded with : Bank deposit screenshot : We've reviewed your document, but it was not sufficient. The bank deposit screenshot you provided doesn't contain your name or the bank name. Please provide a screenshot of your online bank portal showing : bank name, web address ( URL ), your name, and transactions for the period of XX/XX/2021 that verifies the paystub you provided. You can also provide a complete bank statement from within the last 30 days with your name, bank name, last XXXX digits of the bank account and the paystub deposit on XX/XX/2021. You can also provide a bank-generated check image from XX/XX/2021 that verifies the paystub you provided. I again reached out to my bank to see if they could provide XXXX of the following additional items mentioned above. My bank responded by saying ; A statement has not been generated for the specific transaction on XX/XX/2021 because the statement period is not over. The XX/XX/2021 statement will have the XX/XX/2021 transaction on it. Additionally, a check image of the deposit can not be provided because the deposit was an XXXX deposit, not a check deposit. My bank did draft a document with all the requested info along with contact info for the bank representative if they had further questions. I submitted that document to XXXX & they responded with : To complete the application, we will need the following documents. Please log into your account through XXXX XXXX XXXX and upload the following : Thank you for submitting an application to XXXX XXXX XXXX. We will need additional documents to complete the application. To complete the application, we will need the following documents. Please log into your account through https XXXX XXXX and upload the following : - Bank statement XXXX all pages ) for bank account ending in XXXX : Please provide a complete bank statement from within the last 30 days. I submitted the bank statement they requested. I received the following response : XXXX XXXX, Thank you for submitting an application to XXXX XXXX XXXX. We have an update and will need additional documents to complete the application. After reviewing your bank deposit screenshot and bank statement, we could not verify the paystub deposit. Based on these changes, we are not able to move forward with the application unless you can provide a screenshot of your online bank portal showing : bank name, web address ( URL ), your name, and transactions for the period of XX/XX/2021 that verifies the paystub you provided. You can also provide a complete bank statement from within the last 30 days with your name, bank name, last XXXX digits of the bank account, that verifies the paystub deposit on XX/XX/2021. I let XXXX know that : XXXX XXXX, Please see my reply to each of your requests below. Thanks! " Please provide a screenshot of your online bank portal showing : bank name, web address ( URL ), your name, and transactions for the period of XX/XX/2021 that verifies the paystub you provided. '' For security purposes, XXXX XXXX does not provide the specific information you're requesting in a screenshot. " You can also provide a complete bank statement from within the last 30 days with your name, bank name, last XXXX digits of the bank account, that verifies the paystub deposit on XX/XX/2021. '' The bank statement showing the paystub deposit on XX/XX/2021 has not been generated yet because we're still in the month ( XXXX ) that the transaction occurred. To see that specific transaction in statement form you have to wait until next month ( XXXX ). They replied with : XXXX XXXX, We wanted to let you know about the status of your application. Based on our verification, we updated the following components : - We were unable to verify the deposit of the paystub you provided. Unfortunately, these changes caused your application to be disqualified. For more information on the status of your application, please log in to XXXX XXXX XXXX We regret that we were unable to provide you with a financial solution at this time. If you are interested, you are welcome to reapply after 30 days. Please note that you will need to use a different email address to reapply.
04/26/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	CA 92841	Web
XX/XX/XXXX I was denied a loan for reasons as stated in this email : Hello.. everyone of your banks solemnly denied me because they could not verify my income Ive attached the denial letter. Ask well as proof of my tax return regarding this application. I was never given the option to upload my tax return or a recent bank statement to prove the income. Im asking for reconsideration on this loan because I can clearly prove income.. If that was the solemn reasoning for denial then I shouldve been allowed to fix this application or upload the documents to correct the application through services that underwriters provide but UPSTART does NOT allow this option I sent multiple emails after the latest email sent today XX/XX/XXXX As follows : I am not finding an address on file to send a lawsuit for defamation of character to. I Looked online which has a XXXX XXXX however a XXXX XXXX is NOT valid for receipt of unlimited civil cases, can you please provide the CORRECT address to be served. Your companies allows potential clients to submit an application online however fails to provide an option to go back and correct any mistake through its portal to review and correct because once denied it completely locks you out of your online account, if it was filed in correctly you proceed to notify the client that they have to wait 30 days to reapply which means that you are intentionally and maliciously misleading clients and allowing false information to be documented against clients on paper forms and that is defamation of character. there is nothing online for allowing incorrect forms with false and in correctly clicked icons and options to move forward with application processing and not providing additional options for customers to fix those issues or allowing options to correct simple online formation mistakes but most importantly by allowing these documents to sit with your office with false and in accurate information listed on them and stating to customers to reapply in 30 days.. That is also considered to be defamation of character by color of law. REFERRING Discrimination Defamation of character is an act that occurs when someone's reputation and integrity are tarnished or damaged because of malicious intent by another party. You may have heard the terms libel and slander. Slander is orally dishonoring someone else, while libel is written defamation. Discrimination The Equal Credit Opportunity Act [ ECOA ], 15 U.S.C. 1691 et seq.prohibits creditors from discriminating against credit applicants on the basis of race, XXXX, religion, national origin, XXXX, marital status, age, because an applicant receives income from a public assistance program, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Department of Justice may file a lawsuit under ECOA where there is a pattern or practice of discrimination. In cases involving discrimination in home mortgage loans or home improvement loans, the Department may file suit under both the Fair Housing Act and ECOA. Individuals who believe that they have been the victims of any unfair credit transaction involving residential property may file a complaint with the Department of Housing and Urban Development [ HUD ] or may file their own lawsuit. Other federal agencies have general regulatory authority over certain types of lenders and they monitor creditors for their compliance with ECOA. ECOA requires these agencies to refer matters to the XXXX Department when there is reason to believe that a creditor is engaged in a pattern or practice of discrimination which violates ECOA. In XXXX, upon the recommendation of the General Accounting Office, the Department of Justice provided guidance to the federal bank regulatory agencies on pattern or practice referrals. That guidance described the factors that the Department would consider in determining which matters it would return to the agency for administrative resolution and which it would pursue for potential litigation. Thank you XXXX XXXX XXXX Sent from my XXXX
02/11/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30120	Web	Servicemember
On XX/XX/XXXX I received a phone call from XXXX XXXX XXXX XXXX on behalf of their current creditor XXXX XXXX XXXX, and original account Upstart, in reference to a credit card/loan ( I am still unsure what kind of debt ). The first representative ( who called ), XXXX ID # XXXX, automatically demanded that I pay the debt and became very argumentative. I told her I was not familiar with the debt and requested they provide me with paperwork in reference to the debt. She refused to send any paperwork and would barely allow me to speak. I asked for a manager, which I spoke with XXXX ID # XXXX, who actually listened and I advised I was not familiar with the debt. I did again asked for paperwork and she advised she would dispute the account, as I was telling them it was not my debt. She did state that they had my address as living in Indiana, which I advised further proved that the debt did not belong to me, as I have lived in GA since XXXX. I also informed her I have had issues with my information being stolen in the past, which is why I currently pay for credit monitoring service and I have a fraud alert on my credit account, through XXXX. She never answered my request for documentation, but only provided me with their account number of XXXX. I thought the issue had been resolved, but Friday, XX/XX/XXXX, I received a letter from XXXX XXXX advising of the debt yet again. This surprised me as I thought everything had been resolved. On Monday, XX/XX/XXXX at XXXX XXXX., I called XXXX XXXX ( XXXX ) and initially spoke with XXXX XXXX, who again requested a payment and when I advised her that my information had been stolen, she transferred me to her manager. The manager did provide me with her name, but I was too slow to write down the name, when I asked for the name the manager refused to give me her name or ID number. Stating " I already gave you my name, I do not have to tell it to you again. '' This manager was very disrespectful and argumentative, to such a degree that she made snarky comments and sounds. I advised her she was being disrespectful and all she would say was " that is how you see it, but I do not think that I am. '' While I continued to request for her information, I also advised I would file a police report, in reference to my information being stolen. I asked if this would help them, which she refused to answer my question. I asked what else did I need to do to prove that the debt was not mine, which she stated " I don't know, do what you have to do. '' Baffled with this answer and her increase level of disrespect, I did commence to loose my patience but I was never disrespectful or raised my voice. Also, her increased level of disrespect occurred when I refused to advise or confirm who my employer is. As I was still talking, she heavily tried for me to hang up the phone and when I refused, as I was trying to understand the process and obtain answers to my questions, she transferred me back to XXXX XXXX. I asked why the XXXX had transferred me back, and XXXX XXXX stated she could not answer the question. I asked if the police report would help the, which she also stated that she was unsure. When I asked what I needed to do to prove that the debt was not mine, I was advised by XXXX XXXX " I truly believe the debt is not yours, but maybe you know who opened the account in your name. '' I advised her that I did not know who did such a things, which is why I was speaking to all of these representatives via phone. I asked for documentation of the debt to provide as part of my complaints and police report, which I was told they would not provide me with any paperwork, as they do not have to by law. I also asked for the managers information, but was told she would not provide me with that information, but that she only had XXXX XXXX and everyone would know who her XXXX was. Since speaking and obtaining no help from XXXX XXXX, I filed a police report with the jurisdiction I reside in, XXXX XXXX, Georgia. The case number is XXXX. I will be attaching the document to this complaint.
07/15/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NY XXXXX	Web
I reached out to XXXX XXXX XXXX XXXX ( a lending platform ) to ask for assistance for COVID relief or hardship. I sent an email to servicing. That is my preferred way of contact as they refuse to deal with my wife when she calls and that frankly, that really bothers me. They are the only lender we have every experienced this with so I refuse to call. However, I can verify many emails sent to them and we correspond fine. So, that is what I continue to do. As mentioned, on XX/XX/XXXX, I sent an email to, XXXX. I said the following : " I was affected by the stay at home order in XXXX. I have been home for going over two solid months and over three weeks ago now, I was informed that I had to accept a 10 % cut in salary. I started to contact most of my creditors this month asking for at least a months deferral. I paid in XXXX but I could use a break for XXXX. It is a lot and I am struggling to pay my bills. I am lucky that I did not lose my job like thousands of others. '' We received an email response from them promptly enough and we read the first paragraph. It clearly stated this : We understand that times may be difficult for you, and we'd like to help. Upstart does offer relief options for those financially impacted by COVID-19. Based on the information you provided, we have marked your account for temporary relief because you have been financially impacted by COVID-19. During the relief period ( 90 days from XX/XX/XXXX ), you can expect the following If your account becomes delinquent during the Relief Period, you will not be reported negatively to Credit Reporting Agencies, Late fees and returned ACH fees will be waived, If your account would normally have charged off during the Relief Period because it became over 120 days past due, it will not charge off, If your account becomes delinquent during the Relief Period, it will not be outsourced to a debt collector unless you were already placed with a collections agency prior to XX/XX/XXXX. That is all we needed to see and we thought we were okay. When looking at our alternate email a couple of nights ago we noticed we were getting warning emails about not paying our loan and that we were over 30 days past due!! Immediatley we reached out and they came back and told us that we never filled out the hardship form. What? You must be kidding me. Then why did it state in black and white that the account was being marked for relief?! We seen that and said ok. that's done. That is all we needed to see. Now I do see when looking further down that there was a mention of some form but it stated it we need " additional help. '' See below. " If you need additional support, Upstart has other temporary hardship programs related to COVID-19. You can request assistance by filling out this hardship assistance form online. You must be logged into your Upstart account in order to access the Hardship assistance form. '' Clearly this is a copy and paste form letter for their clients. Boiler-Plate. It did not say you must fill out a form in order to move forward with the hardship request. It did not say MUST. Why wasn't this flagged in some way and even if it was it is extremely misleading. Why wasn't I passed to the department who may have emailed me. I made the formal request. Furthermore I requested relief from XXXX. Not 90 days from XX/XX/XXXX!!. What are they even talking about? Where did they get XX/XX/XXXX from. Most of the country was not even shut down on XX/XX/XXXX. Why would they take it from there? So, now what? I got a hit on my credit report? I certainly hope not. I have had nothing but trouble with this company. I am totally fed up with them. this is the last straw. My credit better not have been marred by them. I told them this as well. It is an unprofessional, sloppy operation and these are the same people who will not speak to a spouse on the phone even when the loan holder is giving permission. They are a total mess. XXXX XXXX
08/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY XXXXX	Web
I first contacted this company, Upstart on XX/XX/XXXX in regard to an investigation/query into this particular problem. I noticed an odd email from them informing us that we were getting reported to the credit bureau for a late payment. I did not notice the email until the XXXX. It came in on the XXXX. I emailed customer service immediately. i informed them that I had just seen an email in regard to my XXXX payment and I was confused. I told them that I requested a forbearance for the previous month of XXXX and I certainly had proof of that by email and I understood it was granted. What were they referring to by telling me I was being reported? I specifically requested a forbearance for at least the month of XXXX due to hardships resulting from COVID. I understood that was granted. If so, why did I receive a warning email? They responded on the XXXX and informed me that as per their records, my account was, at the time, currently 38 days past due of a total amount of {$120.00} that includes a late fee of {$15.00}. My oldest unpaid due date is XXXX. ( Whatever that means. It didn't make sense. This is not a professional company in my experience, so far ). Unbelievably, they went on to inform me, that, in addition, their records also indicate that no hardship form was filled out. If I had further questions, please feel free to reach out to their Servicing Team by phone or email and I continued to do so. ( I did not call them because as per our past experience, they refuse to deal with my wife even if I get on the phone and tell them to speak with her. they are extremely difficult so we refuse to engage with them by phone ). On the XXXX I forwarded them the email they had sent us : " Hi XXXX, We understand that times may be difficult for you, and we'd like to help. Upstart does offer relief options for those financially impacted by COVID-19. Based on the information you provided, we have marked your account for temporary relief because you have been financially impacted by COVID-19. During the relief period ( 90 days from XX/XX/XXXX ), you can expect the following : ( the rest was not relevant and boiler-plate. Then it went on ... .. '' If you need additional support, Upstart has other temporary hardship programs related to COVID-19. You can request assistance by filling out this hardship assistance form online. You must be logged into your Upstart account in order to access the Hardship assistance form. If your request is approved, you will be notified via email at your address on file within the next 10 business days about modification options available to you. '' This is the grey area and the area that led to a huge misunderstanding, apparently. They ask, " If I need additional support? You can request assistance by filing out a hardship form? '' What? I had just asked for support! What were they talking about? Why was I not told that I MUST FILL OUT THE FORM. THAT IT WAS REQUIRED! What are they talking about? I responded in that same email with : " First of all I requested a forbearance last month, in XXXX. Not from XXXX!! I did not chose to not pay in XXXX. I made my XXXX, XXXX and XXXX payments. By the time it was time to pay the XXXX payment it started getting tough. That is when I requested a forbearance. Period. Here is what I received below, dated XX/XX/XXXX. They ignored this and are continuing to now ignore me. I send several more emails and they are ignoring them. With this company you deal with a nameless, faceless individual. Who knows who it is? It's disgraceful. I told them that if they dared to mar by credit I will not be making a further payment. period. I wanted a forbearance for XXXX and XXXX actually. At least. I was affected by the virus. My salary was cut by XXXX!! I have my regular mortgage on forbearance right now, currently. This company is operating almost like a fraud. what is this? Why is a manager not contacting us?
12/14/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	WI 54650	Web
I opened up a loan account with Upstart on XX/XX/2021. I received a very deceiving email telling me to make my payment to a different address and send in a check. I was notified by my anti-virus and protection service that my account with Upstart was compromised. Since then I have received at least 10 calls of people trying to scam me. I have received a fake check in the mail for {$1100.00} stating it was from XXXX - Another scam -- I returned the check and paperwork to the XXXX in XXXX, WI on XXXX XXXX and they are going to turn it into the police. I have been receiving multiple emails and calls with people trying to scam me, one today saying they are from XXXX and I purchased a $ $ $ computer, I hung up. They have tried to call me back at least 4 more times. I answered but didn't give any name or info they wanted and they hung up on me again. I am very concerned. I have tried to contact Upstart to let them know mine ( and probably their whole system of people 's info, bank info, etc. ) has been compromised. I told them on XXXX XXXX when they tried to call me asking for my payment and I told them I received this email. This is the first that I noticed something was wrong. I still have the email. I told them 3x by phone and email and they are doing nothing to protect my information. This is a loan company and they have my bank, personal information such as my email, physical address, phone number that has been compromised. They need to do something about this just like any other bank. Upstart legitimate info is the first info I copied and second info is the fraudulent email. Theses two are divided by a line. UPSTART LEGITAMATE INFORMATION General support For support questions, contact XXXX. Press For press inquiries, contact XXXX. Businesses For business partnerships, contact XXXX. Affiliates For marketing affiliate partnerships, contact XXXX. Institutions For institutional investor, contact XXXX. For individual investor program support, contact XXXX. Phone Customer Support : ( XXXX ) XXXX ( local ) XXXX ( toll-free ) Corporate Inquires ( Press/Businesses/Affiliates/Institutions ) : XXXX ( toll-free ) Operating hours General support : Monday to Friday on business days : XXXX XXXX - XXXX XXXX PT ( XXXX XXXX XXXX XXXX XXXX ET ) Saturday and Sunday : XXXX XXXX XXXX XXXX XXXX PT XXXX XXXX XXXX XXXX XXXX XXXX ET ) Payments : Monday to Friday on business days : XXXX XXXX XXXX XXXX XXXX PT ( XXXX XXXX XXXX XXXX XXXX ET ) Saturday : XXXX XXXX XXXX XXXX XXXX PT ( XXXX XXXX XXXX XXXX XXXX ET ) We will be unavailable on XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX Day. Mailing address Upstart XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX _______________________________________________ FRAUDULENT EMAIL : XXXX XXXX XXXX, We're writing to inform you that there has been a recent change to your check payment instructions for your Upstart loan. Effective immediately, please make your check payments payable to XXXX XXXX XXXX XXXX. Below is the new mailing address for your checks : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Please include your loan ID ( XXXX ) on the memo field to ensure accurate and timely credit to your account. Please note you also have the option of setting up recurring payments by logging into your account and selecting Add Recurring to update your payment preference. Alternatively, you may also contact us at the information below to assist you with scheduling a payment. If you have any concerns about this information, you can reach us at XXXX or ( XXXX ) XXXX. Thank you, Upstart Loans Operations* * Upstart Pass-Through XXXX, Series XXXX is the current creditor for your Upstart loan XXXX ( XXXX ) XXXX Upstart Network, Inc., XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
05/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 65401	Web
I have been trying to come to a resolution on this issue with this company since XXXX when I was informed of the late payment status they were reporting. I scheduled payments in good faith that they were being received, and had no notifications that they weren't being received. I never received any phone calls, emails, or letters stating it. There was also no calls or letters from any collection agency that I'm sure would have been trying to reach me had payments gone as late as they claim. I've spoken with the company and made several attempts through all the means available to resolve this and haven't gotten anywhere. The Company says that they've investigated it and their system shows no technical issues on their end, and I have bank statements showing payments were sent out and have scoured over my e-mails not finding an email from them that something was wrong with the account being behind. I've also looked through all of my call logs and can not locate their number anywhere either by doing a search or by doing a visual search trying to locate their number. I understand the Company has an obligation as they've said to report accurate information, and I don't fault them for that, they're just doing their due diligence and following the regulations set for them. But then why was I not notified? They had all the contact information and they've told me that their system shows attempts were made, but then why did I never receive them? Technical issues happen, its part of relying on technology and it works well most of the time, but sometimes it glitches not anyone 's fault its just what happens. The Company 's system doesn't show something was wrong and that's fine, its not their fault, but when I can see where on my end it appears payments were sent something isn't right with a system somewhere. I've updated my information on their dashboard when I moved, and it never updated, it said that it was updated at the time I entered it back in XX/XX/XXXX and then again early in the year around XX/XX/XXXX. Their system didn't acknowledge the change. When I would log into the dashboard, it never gave me in inclination that I was behind either it just stated payment amount and due date, which I scheduled in good faith,. As they have an obligation to report its also from my understanding talking to my Home Loan advisor who first notified me of the defaulted account that if no resolution could be reached in Thirty days which it's not been way past that as we've been trying to resolve this, then it's should be removed from my account. Its not either mine or the Company 's fault in this, were both doing what we feel is right and looking into every avenue that we can to put this behind us. I have a lot of respect for the Company as they've made sure to keep looking into their system for me on this, but continue to not find any errors on their end. I'm trying to figure out why I'm seeing one thing and they're seeing something else. In good faith in XXXX when this was brought to my attention, I made sure to reach out to them first and ultimately just made one last big payment to them as a sign of good faith that this would be corrected. Their staff whom I spoke with, was nice, and understanding and assured me that taking the step of just paying it off as a way of settlement would be to my advantage. But I guess not. I understand their position and continue to hope that we can reach a resolution to this whole matter and put it behind us.
09/22/2022	No	Payday loan, title loan, or personal loan Installment loan	Getting the loan	MD 219XX	Web
In the last two days I have received two emails from Upstart marketing a {$300.00} gift card to XXXX for obtaining a loan. The terms and conditions state that you must check your rate by using the button on the email, get your offers, get funded, make your first payment by your due date and then you will receive the {$300.00} XXXX gift card. While there are disclosures at the bottom that state that your loan amount/offer is dependent on certain factors, there is nothing that states not everyone is eligible for a loan. Its never explicitly stated that you could be declined. Whats provided is, Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will qualify for the full amount. This is problematic by itself but also because the language used in the marketing piece also has additional guaranteeing language. We know that interest rates are rising and the economy is unpredictable. And were here to help. Take the first step towards financial security by using a fixed interest rate personal loan to consolidate high-interest credit card debt or pay off bills. This is understood as, Upstart is there to help with financial struggles you are having by helping you secure a personal loan. by any reasonable consumer. I also believe XXXX XXXX dictates that the first mention of a rate in any marketing material requires that the rate is referred to as the annual percentage rate if there are fees involved with loan consummation, such as an origination fee. However, no one would know that from the marketing piece. They also wouldnt know what loan terms are actually available because the only triggering term listed is the loan amount range, but not the APR range or term range. This brings me to my next issue - Upstart does not actually allow you to reapply. You click on the link in the email as required to receive the {$300.00} XXXX gift card, but then you are brought to a Home Screen that says you are ineligible for a loan. Since a credit decision has seemingly been made despite having put in no information ( or being able to edit previous application information you might have put in the last time you applied ), Upstart states you can see the reason you were declined in your message inbox. Upon clicking the link for that, you can view many adverse action notices but none are actually from the last year. How was a credit decision made if the consumer wasnt provided an opportunity to actually review or input the application information? How does a consumer edit application information if Upstart is going to make a credit decision? Essentially Upstart is discouraging people from applying due to their system limitations- XXXX XXXX, XXXX, XXXX XXXX, and XXXX are just a few issues with this situation. Its extremely frustrating and misleading. I have attached a few screenshots of the email marketing and I also have a video of my screen as I attempt to apply to receive the {$300.00} XXXX gift card that can not be uploaded due to file size restrictions. I would love to email it to someone so it can be assessed with this complaint. You will clearly see there is no way to edit application information or truly see if you were actually declined and if so, why. ( You will also notice that Upstart had an adverse action notice issue in XXXX of XXXX that it took them until XX/XX/XXXX to remediate. Again, XXXX XXXX. )
07/11/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	FL 34287	Web	Older American
On XX/XX/2023 I applied to UPSTART Loans online. I was approved, sent documents that were requested, my current paystub and a voided check. The voided check was to verify my bank account, so the funds could be sent to my bank through direct deposit, The amount to be sent was {$18000.00}. The were sent to my bank on XX/XX/2023. My bank received the funds, however the account number was incorrect. The funds were then sent back to UPSTART on XX/XX/2023. On XX/XX/2023 I started calling and emailing to UPSTART to check on the funds. I was sent to several different people each time I called, and each call took a long time, most just under an hour. I was advised it still showed the loan funded, I emphasized the funds were not in my account. I was told once they ( upstart ) received the funds back I would be contacted to reenter my bank information. And the funds would be sent back to the correct bank account. I called again XX/XX/2023 and sent email checking again on this, again sent to several different departments, and staff, no-one seemed to know how to find out if the funds were returned to back to upstart. I called everyday & sent emails was told the same every time. On XX/XX/2023, I went to my local branch of my bank. The representative at my bank verified the funds were sent back to UPSTART on XX/XX/2023. I called UPSTART while I was with my bank representative, so I could advised them after all this time, the funds were sent back to them on XX/XX/2023. During this call I was hoping to then resolve this and do what needed to be done so the funds could then be resent to my bank. Again I was advised an investigated would have to be done to verify they funds were sent back to the. This went on and on for days, several phone calls and emails. Finally on Friday XX/XX/2023, I spoke to a person that actually new what to do, she stayed on the phone with me I re entered my bank account information, she verified the account while I was on the line with her. I was then told my bank account was verified & the funds would be sent back to my bank the first of the week. I called on Monday XX/XX/2023 late afternoon, as the funds still did not show they were sent to my bank. Again holding for just under an hour, the staff member advised me the funds will be in my account by the end of the week, Friday XX/XX/2023. On Tuesday XX/XX/2023 I was checking my email and saw one from UPSTART, stating I declined the loan. This was sent the day before XX/XX/2023, at XXXX XXXX, mind you I had just spoke to the staff member & she verified the funds would be sent by XX/XX/XXXX. I then called UPSTART, to find out what happened. I was told the loan did not fund in time from the original date. Evidently, when I finally had the account verified again on XX/XX/XXXX and XX/XX/XXXX, it was too late but none knew this. I was very upset. I was then advised I could reapply immediately. I did, & was advised I now do not qualify. I do not understand as I just was approved less than 10 days ago. I was devastated. Thinking the funds in the amount of {$1800.00} was to be in my account & now will not happen. I feel UPSTART is in the wrong, had they resent the funds back to my bank when they should have, especially me calling numerous times & sending emails everyday. I would have my money by now. I feel they should honor the loan I was approved for. Any assistance would be appreciated Thank you.
05/31/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95834	Web
To whom it may concern This notice is being sent to you in response to multiple items being furnished on my consumer report that I did not authorize. When asked, your office replied that the dispute regarding the validity of the debt is not raised within the prescribed time period therefore the same is furnished in your report. In accordance with the Fair Credit Reporting Act, my rights as a consumer are continuously being violated. Continued reinvestigation of two alleged accounts after already having submitted identity theft reports. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 604 states a consumer reporting agency ie ( XXXX, XXXX, XXXX ) CAN NOT FURNISH my information without my written consent. MY CONSUMER FILE IS BEING UNREASONABLY TAMPERED WITH. I do not recall having ever signed an official contract with any of the above companies for you to be furnishing information. Fraudulent account : Upstart Network Inc 's account including all alleged late payments which according to USC 1666b should not be reported on my consumer report either. XXXX XXXX Account If you accept my request, I will not escalate this matter to a federal complaint. Thank you for your attention to this matter. I have also attached a handwritten letter describing other ways my rights are being violated. Again I do not have a lawful contract with any of the following companies. XXXX, XXXX, XXXX, Upstart. Therefore none of these companies should be furnishing my information. If any of these parties attempt to get me to contract with them further it will be a violation of 18 USC 1341 frauds and swindles and will be reported to the authorities. " Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, or to sell, dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure for unlawful use any counterfeit or spurious coin, obligation, security, or other article, or anything represented to be or intimated or held out to be such counterfeit or spurious article, for the purpose of executing such scheme or artifice or attempting so to do, places in any post office or authorized depository for mail matter, any matter or thing whatever to be sent or delivered by the Postal Service, or deposits or causes to be deposited any matter or thing whatever to be sent or delivered by any private or commercial interstate carrier, or takes or receives therefrom, any such matter or thing, or knowingly causes to be delivered by mail or such carrier according to the direction thereon, or at the place at which it is directed to be delivered by the person to whom it is addressed, any such matter or thing, shall be fined under this title or imprisoned not more than 20 years, or both. If the violation occurs in relation to, or involving any benefit authorized, transported, transmitted, transferred, disbursed, or paid in connection with, a presidentially declared major disaster or emergency ( as those terms are defined in section 102 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act ( 42 U.S.C. 5122 ) ), or affects a financial institution, such person shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both. ''
07/29/2020	No	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	FL 32707	Web
In XX/XX/XXXX, I applied for a personal loan in order to consolidate other bills. I was approved but had some doubts and called Upstart a couple more times before actually signing. I wanted to confirm that I could make extra payments that would be added to the principle. I was assured that this was the case and with some trepidation, I signed the papers. The first month was fine. I paid {$490.00} and my actual monthly payment is {$450.00}. Since then, not only have they not applied any of my extra payments to the principle but they are adding more money to their interest amounts and these amounts differ from the amortization schedule. I have not been late or missed a payment since I began paying in XXXX, even paying some extra but it seems that the more I pay, the more they apply to the interest. The amortization schedule shows that the interest gets adjusted each month with the interest getting higher and the money that should go to principle lower. I spoke to a supervisor named XXXX today ( XX/XX/XXXX ) whom when I asked why the amounts on the amortization schedule were higher from the actual amount added to interest, stated that those amounts are based on the payment being made on the due date ( XXXX ). I proceeded to point out that if that were true why was the actual interest taken higher ( {$250.00} ) and the principle amount lower ( {$200.00} ) on the XXXX payment ( {$460.00} ) which I made on the XXXX. He then said that it was because I made my XXXX payment on the XXXX of the month ( a day early ) rather than the XXXX ( the due date ). According to the amortization schedule, XXXX interest amount was {$240.00} and the amount towards principle was stated as {$200.00} based on the monthly payment of {$450.00}. I have made many calls ( XX/XX/XXXX, XX/XX/XXXX ( 2 calls ), XX/XX/XXXX, XXXX ( 3 calls ), XXXX, XXXX ( 3 calls ) XX/XX/XXXX ( 2 calls ) XX/XX/XXXX, XX/XX/XXXX ) to Upstart trying to make them understand that something is not right and numbers don't lie. They are increasing their interest based on how much more I pay so that, it seems, they keep me in debt with this loan for the full five years while simultaneously taking more in interest than originally stated and meanwhile my outstanding principle is the same amount as the amortization schedule to date. I also applied for help in XXXX due to Covid and they offered me two options both of which included adding over {$1000.00} in interest and placing a negative remark on my credit report. Not helpful to me. I did not accept it and since they don't send me anything showing how much interest they have been paid so far, I don't know if they have added the extra {$1000.00} + to my account. I even tried to split the payment in XXXX after speaking to a representative at Upstart who suggested it. I paid {$250.00} on XX/XX/XXXX and {$250.00} on XX/XX/XXXX. The interest applied on the XXXX was ( {$180.00} ) Principle ( {$66.00} ) and on the XXXX, interest ( {$150.00} ) principle ( {$93.00} ). I paid a total of {$500.00} and {$160.00} was applied to the principle. I want to pay my bills and I want to keep my credit as clean as possible but Upstart is making it hard for me with their unethical practices. They are robbing me blind and blaming it on the daily interest accumulation.
02/13/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	SC 29209	Web
XX/XX/XXXX I had a payment due with Upstart for {$56.00}. At that time, I had the flu and was unable to make the payment via my autopay. Within a few days of recovering from the XXXX I got XXXX and was bedridden. Subsequently, I realized ( almost too late ) that my payment to Upstart did not go through. On XXXX XXXX, I logged into my Upstart account. The account stated I owed {$45.00} to not be reported late. I paid the {$45.00}. The online system thanked me for my payment and said I would not owe anything until XX/XX/XXXX. On XX/XX/XXXX, Upstart then took {$56.00}. I assumed their system was slow so I did not think anything of it until I received a notification XX/XX/XXXX that Upstart notified the credit bureaus I was 30 days late. I logged into my Upstart account to see that I still owed XXXX payment. I paid what they said I owed {$82.00}. That would be the remaining {$11.00} for XXXX, XXXX payment of {$56.00} and an additional late fee of {$15.00}. I called Upstart and the representative said they would not remove the late payment reported to the credit bureaus, but that I was now paid ahead by {$11.00}. I advised that does not make sense. The trained representative could not tell what I owed or if I was ahead based off of Upstarts system. The representative then stated their online system does not change for XXXX days. At that point, I already knew I wanted to file a complain, but wanted proof of how Upstarts online system appears to prove my case. Upstart charged me a total of {$45.00} in late fees again as XXXX payment did not post until XX/XX/XXXX. I paid those fees XX/XX/XXXX and my autopay came out XX/XX/XXXX. Since XX/XX/XXXX, Upstarts online system has been saying I will not need to make a payment until XXXX, XXXX. Now that I have been through this with them XXXX, I know there will still be a payment in XXXX. I have not paid ahead. But at face value, Upstart has not fixed a system they have known was broken for at least a year. I filed a complaint with the XXXX on XX/XX/XXXX and can see someone else filed a complaint in XX/XX/XXXX about their incorrect reporting and their faulty website giving erroneous information, causing people late fees and huge drops in credit scores. I am aware I was late. I would not have been 30 days late for {$11.00}, dropping my fico score 50 points and now making it impossible to finally buy a forever home for me and my children. I declare that Upstart is willfully deceptive in their billing practices to gain more revenue from late fees, with no regard to how their erroneous system will adversely affect the average person. I also declare Upstart refuses to fix their online system, knowing they will benefit monetarily, when they have been advised of and responded to the complaint in XXXX. I have documentation from the XXXX of my complaint and the person who complained in XXXX, as well as screenshots that show exactly how their online site appears to borrowers. The only thing I wanted was for the late payment to be removed as I was only going by their online system. As a single mom with no support whatsoever, I worked long and hard to get to the point that I could finally give my children a home to be proud of. I most certainly would not have thrown away years of sacrifice over {$11.00}.
10/06/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Delay in processing application	CA 95758	Web	Older American
On XX/XX/2021 I was checking my credit score through XXXX XXXX and was offered a Visa card with a line of credit. I was instructed to apply and I would be told what my rate would be based on a " soft pull '' of my XXXX XXXX Fico score. The amount of credit line offered was {$3000.00} and the rate was 10 % less than what I was paying on a {$2000.00} loan I was paying so I decided to proceed. I completed the request on my computer and was approved. I was then asked to sign all the Doc 's electronically which I did and completed. I was also requested to send a selfie and a photo of the front and back of my drivers license on my cell phone. I don't have a cell phone and don't want one, so I called Upstart-the company making the offer- and was told to attach photos of these items to and email.I have these items in my PC and sent them as attachment. Stating the account number of XXXX in the subject line as instructed. The next day I logged into my account and they were requesting the items again. I called and was told the items were blurry and to send them again.Two days later they were still requesting the items. Called again said items couldnt be sent from PC had to be cell phone. My wife tiik the photos with her cell phone and we sent them to me and I attached an email. Two days later could not accept because they were e mail attachments had to be PDF.. Converted photos to PDF and sent them. Called again Upstart stated didn't get them all. Resent them again. Two days later still requesting photos I called and was told couldn't accept them as the looked as if they were firsyt printed on a piece of paper and photos had to be " live. '' '' so were retook the photos and sent them while I had them on the phone and they were connected to the dept that received them. Got the photos and confirmed. .. XXXX another request for photos. This time Supervisor XXXX XXXX on line with other dept photos sent each with separate email three emails 1 photo each received and confirmed and uploaded. on XX/XX/2021 still not posted.. Resent XX/XX/2021. Finally on XX/XX/2021 my account says they have everything needed. The CSR said it just had to be assigned to an agent and I would receive my card in a few days but in the mean time, I would get an e mail with my card number in it so I could have the funds transferred to my bank. Later that day need another selfie- which was sent yesterday. This has been going on for three weeks and I came into this arrangement pre approved and have executed all the binding doc 's and contracts on XX/XX/2021. I know it sounds like a hustle, and may prove to be, but Upstart is Upstart is a large organization representing banks and credit unions and XXXX XXXX has been promoting them for years. Moreover my credit has been damaged by their games. I had planned to get the funds by the end of XXXX having signed the contract on XX/XX/2021 but on XX/XX/2021 I'm still getting jacked around and charges of my high interest loan continue to accrue and charges on a credit card I was going pay off with the proceeds left over have now posted, ,raising my utilization to 30 % and dropping my FICO.. I keep it below 20 % and I'm not happy.
09/13/2015	No	Consumer Loan Installment loan	Taking out the loan or lease	VA 236XX	Web
I spoke with a customer care specialist at XXXX XXXX Bank within the last XXXX hours regarding the treatment that I was experiencing with Upstart regarding a loan application. As I review the horrendous experience that I had this week with an unusually taxing application verification process, it began to dawn on me that my problems with this lending company started after they requested a copy of my drivers licence. The verification process became quite arduous subsequently and on multiple occasions I have been misled by Upstart employees with suggestions that loan was approved for much higher amount and with better terms than terms being offered now. I was also told on several occasions that my loan would be finalized by Friday, XXXX XXXX, including on Friday by employee named XXXX. However, instead of having loan finalized with the more favorable rate that XXXX congratulated me with just hours earlier in the day, I, as instructed by XXXX, checked email later in evening, and saw nothing finalized. Remaining very frustrated by my haunting experience with Upstart this entire week, I called once again to check with XXXX what additional delay might have ensued. While I was on hold, I saw an adjustment again on my loan offer, this time cutting the principal in half and raising the rate back up to the highest APR. This was just another of many efforts Upstart has made in trying to discourage me from borrowing from them. I sent them ample documents and followed up diligently on all of their request of me, yet they have continued to mislead me and cyber bully me by requiring me to send more and more documents, including documents already sent. They had me send pay stubs 3 times, and XXXX forms multiple times. They requested that I send rental lease agreements and tax information regarding rental property that I own, and then later told me that they could not use the rental income in their calculations because they do n't fund commercial loans??? Despite that, they later made another request for my rental property lease agreements, that I had previously sent. I have been put through the ringer with Upstart. The explanation given for reducing loan amount from {$31000.00} to {$28000.00} was reported to me because they could not consider my rental income. I was offered the {$28000.00} with lower APR this afternoon by XXXX, and he actually congratulated me and said only problem was that with this being Friday, he would not be able to send funds to my bank until next Tuesday. I accepted those terms, yet within three hours, I was once again misled and all terms changed, and principal cut in half with highest APR offered, 29.9 %. I was then asked multiple times by managers at Upstart if I still wanted the loan. It was very obvious to me that tactics were being used to discourage me from getting any loan at all. I am highly qualified for a loan from Upstart, and can only conclude from this cyber bullying that I have had to experience from multiple Upstart employees that knowledge of my race, upon review of my drivers licence that they requested, resulted in a plot to discourage me from borrowing.
05/31/2019	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	FL 33432	Web
I've been using XXXX XXXX online bill payment for roughly 8 years. I've never had an issue before where a biller claims to have not received a check processed through XXXX online bill payment until now. The biller in question is Upstart loan servicing. I arranged to have a {$130.00} check sent to Upstart on XX/XX/XXXX to satisfy an installment loan payment due. The payment was processed by XXXX with confirmation # XXXX, and the funds were deducted from my account. Upstart claimed to have not received the payment 10 days later and hit me with late fees. I contacted Upstart and XXXX about the issue. XXXX indicated the payment was mailed on XX/XX/XXXX. XXXX suggested I put a stop payment on check because it had been more than 2 weeks since it had been mailed. I put a stop payment on the check. Upstart then claimed to have finally received the check on XX/XX/XXXX, a full 18 days after it was mailed, and then hit me with a stop payment fee. I made multiple attempts with both institutions to resolve this issue, including attending a conference call. Yet I somehow was unjustly punished for a processing error between these two institutions. But things only got worse ... Because of the aforementioned processing error, I mailed a second check to cover the first delayed one which was stopped. I arranged through XXXX online bill pay for that second check to be received by Upstart on XX/XX/XXXX. I received confirmation # XXXX for this second check, and the funds were deducted from my account. I have now been notified by Upstart that this second check has still not been received by XX/XX/XXXX, a full 11 days after it has been mailed. So for the second straight time, I'm being threatened with more late fees and reporting to the credit agencies because either XXXX isn't mailing these checks out on time or Upstart is not processing them in a timely manner. Either way, I'm the one being punished financially and through threats to ruin my credit because these big financial institutions are having processing issues. I've done everything asked of me. I sent these checks on time to meet due dates. I've had more than sufficient funds in my account to cover these checks. I've contacted each of these institutions many times to rectify these issues. Yet I'm at their mercy. Upstart claims they are receiving checks a full 18 days after they are mailed to them. I've never heard of such a thing. And now they claim that the second check still hasn't been received after a full 11 days of mailing time. XXXX claims they are sending these checks on time. Each blames the other. But I'm the one getting hit with fees and negative credit reporting for something I am not responsible for. Upstart can continue hitting me with fees and hurting my credit and there's seemingly nothing I can do about it. This is unjust and likely illegal. I need someone to protect my rights as a consumer. I'm being taken advantage of. I'm going to my U.S. Congressman and Senator with this complaint. I shouldn't be abused like this.
12/31/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	VA 22312	Web
I secured a loan with Upstart.com for {$24000.00} on XX/XX/2019 ( Origination Date ). My issue with the lender resides with deceptive handling of prepayments. In short, rather than apply prepayments against outstanding principal, the lender is applying prepayments against the next period 's installment. This conflicts with the terms of the promissary note that I signed with the lender. The relevant section is as follows : " Prepayments ; Partial Payments ; Forbearance. I may prepay this Note in full or in part at any time without penalty. Any partial prepayment is to be applied against outstanding principal and does not postpone the due date of any subsequent monthly installments, unless you otherwise agree in writing. If I prepay this Note in part, I agree to continue to make regularly scheduled payments until all amounts due under this Note are paid. Further, I understand I may request forbearance in accordance with your reasonable procedures and requirements, and the decision to grant my request for forbearance shall be solely at your discretion. During any period of forbearance, my regularly scheduled payments of principal and interest on my loan may be deferred to the extent permitted by applicable law. Except as described above, I understand that I will remain responsible for all interest accruing during any period of forbearance. I understand that any periods of forbearance may increase my monthly payments during my loan term or, in limited cases, may extend my repayment period unless prohibited by applicable law. '' My monthly installment is {$500.00} with monthly payments due on the anniversary of the origination date ( the XXXX of each month ). I recently began making payments of {$750.00} with the intention of applying the extra of {$240.00} to the outstanding principal. Instead, I was told that my payment ( which was inititated on XX/XX/XXXX but would post on XX/XX/XXXX ) would be applied against my XX/XX/XXXX and XX/XX/XXXX installments. I spoke with a company representative and was told that by selecting XX/XX/XXXX as my payment date, my payment would be posted in the next billing period, thus leading to it being considered a standard installment and not a prepayment. I was further told that in order for extra amounts to be applied against principal, I would need to change the payment date to occur at least 1 day prior to the agreed upon installment date. I find the company 's explanation dubious. The automatic recurring payment feature on the Upstart portal is set to default to the origination anniversary date as the payment date. The default amount that is prepopulated is the standard installment amount. Users have the ability to change both the date and amount of payments. I changed the amount to {$750.00} thinking that the extra would be applied against principal. There is nothing on their website, in the promissory note or elsewhere that indicates I need change the installment date to be 1 day early in order to facilitate a prepayment.
07/13/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	CA 92111	Web
I was approved for a loan with the company Upstart. Upstart advertises quick loans with their " advanced AI technology. '' Upstart has given me a loan with an interest at 23 %. For a {$220.00} payment, only {$86.00} goes to the principal and the other {$130.00} goes to Interest. This is about 70 % of my monthly payments going toward interest. Add on an annual interest rate and I'll basically be stuck in a loan for many years to come. Loan companies like XXXX, XXXX, XXXX, do these scams quite often. XXXX was sued by the Consumer Financial Protection Bureau in XXXX due to their targeting of low-income earners, minorities, and elderly people. This loan company also targets those that are vulnerable and approving them of loans like mines that has an Annual Interest rate and a hidden Variable Interest rate. Upstart 's interest fees violates the following California Constitution : ARTICLE XV USURY [ SECTION 1- SECTION 1. ] ( Article 15 added XX/XX/XXXX by Prop. 14, clause 35. Res.Ch. 5, XXXX. ) SECTION 1. The rate of interest upon the loan or forbearance of any money, goods, or things in action, or on accounts after demand, shall be 7 percent per annum but it shall be competent for the parties to any loan or forbearance of any money, goods or things in action to contract in writing for a rate of interest : ( 1 ) For any loan or forbearance of any money, goods, or things in action, if the money, goods, or things in action are for use primarily for personal, family, or household purposes, at a rate not exceeding 10 percent per annum ; provided, however, that any loan or forbearance of any money, goods or things in action the proceeds of which are used primarily for the purchase, construction or improvement of real property shall not be deemed to be a use primarily for personal, family or household purposes ; or ( 2 ) For any loan or forbearance of any money, goods, or things in action for any use other than specified in paragraph ( 1 ), at a rate not exceeding the higher of ( a ) 10 percent per annum or ( b ) 5 percent per annum plus the rate prevailing on the XXXX XXXX of the month preceding the earlier of ( i ) the date of execution of the contract to make the loan or forbearance, or ( ii ) the date of making the loan or forbearance established by the Federal Reserve Bank of XXXX XXXX on advances to member banks under Sections 13 and 13a of the Federal Reserve Act as now in effect or hereafter from time to time amended ( or if there is no such single determinable rate of advances, the closest counterpart of such rate as shall be designated by the Superintendent of Banks of the State of California unless some other person or agency is delegated such authority by the Legislature ). No person, association, copartnership or corporation shall by charging any fee, bonus, commission, discount or other compensation receive from a borrower more than the interest authorized by this section upon any loan or forbearance of any money, goods or things in action.
02/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90015	Web
I have reached out to Upstart sending the attached document via email and mail. Upstart has refused to remove this account that should not be reporting on my consumer report. Upstart is in violation of several laws and I am demanding deletion of this account on my consumer reports. The reporting of these account ( XXXX ) is/are violations of XXXX XXXX XXXX XXXX The Fair Credit Reporting Act [ XXXX XXXX XXXX XXXX a ) ( XXXX ) ( XXXX ) ] : ( XXXX ) EXCLUSIONS.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( XXXX ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act XXXX XXXX XXXX ( XXXX ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. Therefore this account should not be reporting on my consumer report. I have recently come across inform from the XXXX XXXX XXXX ( XXXX ) more specifically the XXXX XXXX XXXX XXXX Code XXXX - Obligations with respect to disclosures of personal information ( XXXX ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section XXXX of this title. ( XXXX ) OPT OUT ( XXXX ) IN XXXX XXXX XXXX may not disclose nonpublic personal information to a nonaffiliated third party unless ( XXXX ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information may be disclosed to such third party ; ( XXXX ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( XXXX ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. UPSTART did not disclose this information to me that is required by federal law. UPSTART knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unaffiliated third parties. UPSTART knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. I have also requested all correspondence sent via mail but Upstart continues to email me. I do not monitor email and I need every communication sent via mail to my address on file with the company.
08/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32836	Web
Personal Loan # XXXX -- -- -- During the months of XXXX and XX/XX/2023, my personal XXXX bank account, social security number and date of birth were compromised with an intention to commit fraud and theft. During this time, I previously set up payments with my XXXX XXXX Banking while traveling 80 days overseas for work ( Will be verified by XXXX ). As a result of a security breach, and multiple attempts by unauthorized person ( s ) attempting to access my personal XXXX account without my knowledge, XXXX blocked my account for security purposes. Per XXXX, for my protection all transactions and activity on my account were frozen. As a result, the scheduled UPSTART Loan Payment was not released as scheduled to satisfy my monthly payment due, which caused the extended pass due account status. Multiple payments were not made due to this security freeze to my XXXX Account. Thankfully each merchant has responded to this issue with cooperation and understanding in regard to updating my personal credit report as appropriate. Upon my return from overseas travel and the security breach was under control, I immediately made contact with XXXX and verified all my information with XXXX to unfreeze my account. I also manually made payments to ensure all my unpaid accounts were brought up to date. ( including UPSTART ) -- -- -- -- Unfortunately, as a result the {$150.00} payment scheduled for XX/XX/XXXX and XX/XX/2023, not being released by XXXX, a 30-Day delinquency posted to personal my credit report for XX/XX/2023. These payments ( verified by XXXX and letter attached ) clearly would have satisfied the minimum payment due my Upstart Loan and also an additional payment. -- -- -- -- - I have taken all the necessary precautions including Filing fraud alerts with the credit reporting agencies. -- -- -- -- - As required by the FTC ( Federal Trade Commission ) and the CFPB ( Consumer Financial Protection Bureau ) I am requesting a removal of the 30 day late posting for XX/XX/2023 with all credit reporting agencies for the Month of XX/XX/2023 as it has caused un-due stress on my personal finances but my Business as well. This late payment has reduced my personal credit score by XXXX points which is not something that I can handle as it has triggered spiking interest rates and business lines of credit being reduced. It has caused a staggering chain reaction of hardship across the board. I am fully aware this is not an error on the part of Upstart but it is also not an error or negligence on my part as a crime was committed against me. -- -- -- -- -- -- Per FTC and CFPB instructions, I have completed all the steps required and am also including a verification letter from XXXX which was submitted to all effected creditors in this situation that requires credit reporting updating. -- -- -- -- -- -- -- - I sincerely appreciate your assistance in this matter moving forward. If needed, I can be reached at ( XXXX ) XXXX.
09/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85210	Web
The Fair Credit Reporting Act USC 1681 Section 602 ( a ) states " There is a need to insure credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the consumer. Which under this act I have the right to make sure that my information remains private and isn't shared. But it seems that my rights are being violated due to the collections I see on my consumer report. Pursuant to 15 USC 1681b " Any consumer reporting agency may furnish a consumer report under the following circumstances and no other, ( 2 ) In accordance with written instructions of the consumer to whom it relates. I in fact DID NOT give consent to have anything added to my consumer report which is a direct violation of the Fair Credit Reporting Act. This is also considered identity theft according to 12 CFR 1022.3 subpart A ( h ) " Identity theft means fraud committed or attempted using the identifying information of another person without authority. " Again I gave no written consent at all for this action to take place which is against the law. XXXX and XXXX do not gave my consent to furnish this information and for certain do not have my written consent. All consent to XXXX and XXXX whether it is verbal, non-verbal, written, implied or otherwise is revoked. Also according to 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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 several years. '' These accounts are adverse items they are reporting as I said before without my permission which is against the law. 15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining the proper procedures. And, 12 CFR 1016.7 States that " A consumer may exercise the right to opt out at anytime. '' I am opting out of your reporting services. The following accounts are below : XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Balance : {$850.00} Furnisher of information : XXXX XXXX XXXX Credit Date Opened : XX/XX/XXXX Balance : {$4400.00} Furnisher of information : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} ( XXXX ) and {$1000.00} ( XXXX ) Furnisher of information : XXXX XXXXXXXXXXXX Upstart Network Inc XXXXate Opened XXXX XX/XX/XXXX Balance : {$0.00} Furnisher of information : Upstart Network Inc PLEASE NOTE : LEGAL ACTION WILL BE TAKEN ON CONDITION THAT THE ABOVE CONSUMER REPORTING AGENCIES FAIL TO HONOR THE RIGHTS PROTECTING I THE CONSUMER
08/03/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	NJ 08902	Web
15 U.S. Code 1692g - Upstate Failed to Validation of debts because its fraudulent. The gave me a bogus contract and took my signature to borrow a loan from a third party called XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX with giving full disclosure before doing so, 1 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such purchase money loan contains the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. They failed to give me full disclosure in the contract which makes it Fradulent. 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 Account XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. These are my variolations and this has caused me and my family serious damages as i lost my appartment, job and i couldnt get anything on credit with any creditor.
09/30/2023	Yes	Vehicle loan or lease Loan	Repossession Company explaining amount owed	TX 75032	Web
On XX/XX/XXXX around noon time I made a phone call to Rising upstart bank concerning a letter for repo on my vehicle. At the time we discussed a prior payment on XX/XX/XXXX and the total amount due to avoid the letter of repossession going into affect. Their agent told me all I need to do was make another payment and to total the amount requested on the letter of repossession. I went ahead and explained itd be hard for me to make that payment which was needed to be submitted before Tuesday the XXXX of XXXX. He assured me that if I could make that payment the truck wouldnt go up for repossession and all I would have to do is make up the current payment. I did everything possible to make enough money from the XXXX to the XXXX to be able to make that payment. The XXXX of XXXX I made the payment online and tried to contact the company for confirmation. I reached out on Saturday the XXXX via phone call multiple times with no prevail as I was calling with in the hours suggested by their voicemail. I reached out once again on Monday the XXXX to get sent straight to voicemail. Finally I reach back out on Tuesday the XXXX which conveniently was the final day on the repossession letter and I get a new agent on the line. As we go through the process of confirming I am the account holder I finally get to explain to the agent the situation and what the previous agent told me. When I asked if that information was correct I was told that the previous agent was incorrect and that my vehicle after XXXX that day would go up for repossession if I didnt pay an additional amount of money they were requesting. I asked if there was something they can do since the agent before them made a mistake and that I was unaware of this issue since the lack in of communication lasted 2 business day. They basically told me Im out of luck and that if I didnt make the payment that Tuesday the XXXX Id be losing my vehicle after that day. I asked if an exception could be made since I was misinformed by the previous agent and I could make the payment at the end of the month plus next months payment. I was then told again that I was out of luck since the prior agent didnt completely understand the situation. We then escalated the situation and after an hour on the phone I was then told that there was nothing they could do for me. Till today all Ive received were emails explaining that their escalation team takes 5-7 days to investigate and that I needed to make a payment today XX/XX/XXXX for them to be able to put the vehicle repo team on hold but since I had a payment scheduled for tomorrow XX/XX/XXXX they wouldnt be able to hold them today till tomorrow they would be able to hold it. Ive lost sleep and have dealt with more stress these passed few days dealing with them than I ever have before.
03/15/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 95841	Web	Servicemember
On or about XX/XX/XXXX, I was approved for a personal loan with Upstart Financial in the amount of {$7700.00}. The repayment term was 60 months, interest rate of 25 %, a loan processing fee of 10 %, and a monthly payment of {$220.00}. To date, I have paid approximately {$2100.00} towards my personal loan. However, I was checking my balance online and my account states I owe {$7800.00}, more than my original loan amount of {$7700.00}. After reviewing all of my payments made over the past 14 months, Upstart Financial has not applied any of the payments towards my principal. I contacted Upstart and talked to a manager to find out what's going on with my account since none of the {$2100.00} in payments were applied towards any part of my principal balance and now I actually owe more than my original loan amount. The manager advised me that their company charges the financial charge each day at the rate of 25 %. I was never informed by Upstart that the finance charge was going to be assessed each day on my balance. This type of lending is criminal and predatory. California and Federal law prohibit daily and compound interest by any lender. Charging my account daily interest ( without my knowledge ) is in direct violation of the Consumer Protection Laws and TILA. In XXXX, Governor XXXX passed a law placing a cap on interest rates, excessive fees, and requiring interest calculations to only be calculated as simple interest annually. Lenders are prohibited from charging any interest during a deferment and during any grace period. Upstart has charged my account significant and unwarranted interest and fees during these periods on my account. For the record, my payment due date is the XXXX of the month. For example, my XXXX payment was due on XX/XX/XXXX, and I have a 15 day grace period. The payment was made on XX/XX/XXXX and the entire payment was paid towards interest. I have contacted your company several times to change my due date to the XXXX of the month. I work for the State of California and only get paid once a month on the XXXX. Your company clearly stated in writing that I can utilize the 15 day grace period and there would not be any type of penalty. However, this was a lie and every payment made after XX/XX/XXXX, has only been applied towards interest. This is prohibited under the laws and need to be corrected immediately. Payments are required to be posted the date received and the lender is forbidden from charging and additional fees or interest, after the date payment is received. I had two prior loans with Upstart that I paid off. The payoff cashier 's checks were sent to the over night address and Upstart held onto the payments for over 2 weeks, while charging daily interest on my account.
07/30/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	PA 19146	Web
To CFPB, Starting from XX/XX/XXXX as a point of reference to start from, I had noticed I had a few Voicemails and opened and listened to them. I had been out of the country from XX/XX/XXXX-XX/XX/XXXX so was not answering my phone for international phone calls. After listening to the Voicemails I realized it was Upstart who I hold a loan with. I called them and asked if there was a problem with my account. They indicated I had 3 late payments added to the last 3 months of payments. I was surprised and asked why, which I was told that I was late on all those payments. I recalled the past five months dates and amounts which my checks cleared on : XX/XX/XXXX - {$790.00}, XX/XX/XXXX - {$790.00}, XX/XX/XXXX {$790.00}, XX/XX/XXXX - {$790.00}, XX/XX/XXXX - {$790.00}. My grace period end date is the XXXX of each month which after late fees are assessed. The following is the information I received via email about the amounts I owed for the referenced months. XX/XX/XXXX payment : Notification Received on XX/XX/XXXX and monthly payment referenced {$790.00} XX/XX/XXXX payment : Notification Received on XX/XX/XXXX and monthly payment referenced {$790.00} XX/XX/XXXX payment : Notification Received on XX/XX/XXXX and monthly payment referenced {$790.00} XX/XX/XXXX payment : Notification Received on XX/XX/XXXX and monthly payment referenced {$790.00} XX/XX/XXXX payment : Notification Received on XX/XX/XXXX and monthly payment referenced {$790.00} In speaking wit Upstart and you can see above, for the month of XX/XX/XXXX my payment was mistakenly XXXX cents short ; Payment : {$790.00} vs owed {$790.00}. I accidentally made a mistake with the XXXX cent increase from my previous months payment, but then all the following payments you can see I over paid by XXXX cents each month. In all me email notifications about the upcoming payment, those payments never included any late fees in the notifications or added them to reflect my true amount due. I was under the impression I was always make the full amount payment, but in fact because XX/XX/XXXX payment was XXXX cents short, all my payments thereafter were first being applied to the late fee which was applied to the XXXX cent shortage on XX/XX/XXXX payment. Which then had my account never fully paid and another late fee charge to occur every month. If the mentioned emails are needed as evidence, I can provide. I have reached out to Upstart and spoke with them, but they are unwilling to take into consideration in the amount which started this whole fiasco of XXXX cents, and that I for multiple months after overpaid by XXXX cents. I am asking for all late fees to be waived ( 3 each in the amount of {$15.00}, totaling {$45.00} ). Thank for you time and effort.
06/30/2023	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	GA 30132	Web
On Friday, XX/XX/2023, I contacted XXXX XXXX XXXX XXXX XXXX via chat after speaking with XXXX XXXX, XXXX and being informed, for the first time, XXXX XXXX had my debt. XXXX XXXX gave me reference number ( XXXX ) to give to XXXX XXXX. After speaking with XXXX XXXX, I was informed by the agent that my file was " no longer '' in their system and they gave me a number to call XXXX. XXXX said they didn't have my file and gave me another number to call. I spoke with at least XXXX different debt collection agencies that day and gave out my PERSONAL information over 5 times, only to be told by each representative the same thing - 'they do not have my file. ' XX/XX/2023, was the very first day that I have ever received any communication from XXXX XXXX XXXX, despite being told that my information was not on file. I emailed them back requesting verification, but they never responded. Today, XX/XX/2023, I reached back out to XXXX XXXX via chat and was conveniently told they had my file AND they received my email. I asked a myriad of questions for clarification on why I was given the wrong information, why it took so long for them to reach out to me, and what actions were taken for them to now have this debt - considering when I asked, they said they did not have it. The agent I spoke with today is the same agent I spoke with on XX/XX/XXXX. He would not give me any straight answers and essentially, blamed me for giving the wrong reference number during our first conversation ( the number XXXX gave me to give XXXX ) ; yet, he made no attempt to even investigate during our first communications. After speaking with XXXX XXXX today, I re-contacted XXXX and was informed ( again, for the FIRST TIME ) that my file was initially with XXXX XXXX and I could contact them for further information. All in all, I have been attempting to verify this debt for MONTHS. I never received any communications from any debt collection agencies until I reached out to them. The only reason I knew of these agencies was because I noticed charge-off on my credit and disputed it. There has been no written or verbal communication with me from the original creditor or any debt collection agencies until I initiated an investigation. I have been given false information, ran around in circles, and ultimately, mistreated. This is severely affecting my credit and I can't get approved for a home because of it. Nothing about this makes sense nor does it feel ethical. I have disputed this numerous times with each Credit Bureau and provided documentation for each encounter. I am attaching documentation of my conversations and falsely reported payment history.
11/16/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Improper use of your report Credit inquiries on your report that you don't recognize	PA 152XX	Web
I was a victim of Identity Theft in XX/XX/2021 with XXXXl accounts from multiple banks being opened in my name. I immediately reported it and started tracking my credit report and the fraudulent accounts to shut them down. UpstartXXXX opened an online account and made a fraudulent loan in my name with no effort to verify or protect my identity. I never opened this loan and I certainly did not accept the terms and conditions of said personal loan. They use no ID verification service, they requested no photo ID or other method of verification. Because they are online only, they never sent a copy of the loan by mail - that would have alerted me to the fraud. I didn't learn about it until 3 months later when I got a notice of default on the loan ( by mail, so perhaps they do send things to consumers ). Now I want to refute my liability for the loan that I never applied for and never received the funds, and it is difficult. Upstart 's ability and support in this area is lacking. They don't call you back and have not been helpful. I did recently receive a package with the loan details from them, but now they want my photo id, police report and FTC file - all which I have but it's infuriating that the burden is on the consumer to fix their broken process for making a fraudulent loan. Maybe they could have asked for photo ID when the fraudster opened the account? ... or made any effort to verify the identification? In addition, there are accounts attached to this loan that I don't recognize, but Upstart tells me that I need a subpoena to get that information. ( I need that information to likely shut down those accounts that were also opened in my name/SSN without my knowledge. ) How can an institution give a sizable loan without confirming the identification of the person applying? Where are the protections for consumers? Identity theft and data breaches are massive problems and Upstart doesn't seem to have the procedures in place to verify borrow identity and protect consumers. Furthermore, the lack the process in adequately supporting consumers when fraud does occur. Lastly, XXXX ( who is the actual creditor ) has a relationship with Upstart for their 3rd party personal loan processing and they have been absolutely horrendous to deal with. No identify/theft support at all. " Security '' people don't actually talk to customers and they made the loan ( through Upstart ) but have zero support to assist in the fraud investigation. The documents I received say Upstart/XXXX on company letterhead, but they have no process in place for fraud support and can't even look up the loan ID.
07/05/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	MI 480XX	Web
I was offered an approved loan in the amount of {$1400.00}, with the single requirement that I submit veirfications my stated XXXX income from social security. I submitted my income verifications that I received from social security. The company then denied my already approved loan because a portion of my stated income amount is social security benefits that I receive for my minor children. The company stated that I was now being denied credit because " my income could not be verified because the income verifications I provided are not for my income and they can not use another person 's income. '' When I told the company that this income is MY income and comes in my name and is for my minor children, but that the income is mine to use, the company refused to respond to me. This company unfairly denied me an already approved loan because I receive social security for myself and my children. This is unfair to me, and I believe it is illegal. Also, it has adversely affected my credit score to be denied this loan after I was already approved for it. Please look into this situation with this Upstart company. I was approved for an promised a {$1400.00} loan if I verified my income, and I did exactly that. This company should be forced to provide me with the loan I was promised. This company should not be able to deny me based upon the fact our income comes from social security. That is discrimination. Letter of denial from the company : Hi XXXX, We wanted to let you know about the status of your application. Based on our verification, we updated the following components : - Income : We could verify {$11000.00} of your reported income. We are unable to consider this income since it is not in your name. Since we can not use co-signers or joint applicants, we can only consider income that is in your name. Unfortunately, these changes caused you to be disqualified. For more information on the status of your application, please log into https : //finwise.upstart.com. We regret that we were unable to provide you with a financial solution at this time. If you are interested, you are welcome to reapply after a 30-day waiting period. Please note that you will need to use a different email address to reapply. If you have any questions, you can email Upstart Loan Operations at XXXX, or you can call us at XXXX XXXX XXXX XXXX. Our phone lines are open every day from XXXX XXXX XXXX, except XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ref : XXXX : ref
07/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 190XX	Web
I received notification on XX/XX/XXXX of a 30day late payment on my Upstart installment loan that should have been paid in full in XX/XX/XXXX. At the inception of the loan automatic payments were setup in the amount of XXXX to be paid monthly for 36 months with the final payment being a one time larger amount taking care of the remaining balance. However, I found out ( after adverse credit reporting ) that {$81.00} remained at the end of the 36 months and was not included in the final automatic payment as planned and as the loan documents outline. The last I checked, there was an autopay payment applied on XX/XX/XXXX for XXXX and my account was showing as current in good standing. I contacted the company immediately when I received notification of the late payment on XX/XX/XXXX and inquired about the status of the account. I informed the manager XXXX that the payment history and balance history was incorrectly reported. I was told that the autopay ended at the end of XXXX so the remaining balance was left unpaid. My XXXX payment of XXXX was not reported as paid to the credit reporting agency. I was told that they werent allowed to draft the {$81.00} because it was a " different amount '' that they were not authorized, however, my promissory note indicates that the last payment may be more or less or may need to be extended. The TILA also outlines that the last payment is different. I was never notified that an {$81.00} balance was remaining and that it would require a separate manual payment. On XX/XX/XXXX I paid the remaining separate payment as soon as I found out. I paid on time and in full each month When I spoke to a Loan Operations manager named XXXX on XXXX she informed me that they would not remove the information. XXXX refused to review the details of the account with me and ended the call. She also refused to escalate the matter to her supervisor as I requested. I sent numerous emails and called back to reach someone who would be able to resolve the issue but was unsuccessful in reaching a senior staff member to review the details of the account and correct the inaccurate reporting. The representatives claimed they were not allowed to leave a voice message for me.when they claimed to have called me. To date, I have been unsuccessful in all of my attempts to correct the erroneous information despite proper documentaion from the lenders own website showing my perfect payment history. I paid as agreed and was never late but Upstart refuses to resolve and correct the information.
08/08/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	GA 30294	Web
Friday, XX/XX/XXXX through XXXX, via their " excellent match '' for potential loans, I applied at Upstart.com for a personal loan of {$3500.00}. Upstart immediately denied me. During the application process, the deceptive advertising was touting this easy process that is not heavily based on credit history. Supposedly they pretend that they help people with problem credit. On paper, my credit report and FICO score is good, in the mid 700s, but for some mystery reason I can not get the type of credit I should with my scores, and it has been that way my whole life, no matter what my situation. I already had my credit reports, my FICO score, my credit rating way before dealing with Upstart. So they sent me a generic reason as to why I was denied. In several back and forth communications, I tried to get them to tell me the specific, exact reason why they denied me. They kept telling me everything but. They told me to go check my credit report if I had issues. I told them I already have my reports and I don't see any of the generic reasons they listed. I asked again and again to clarify why they denied me, but they would give me the credit rules and regulations, tell me why it " could be '' but never specifically tell me the reason for the denial. I even cited the law, which states the must disclose the reason for the denial, not tell people what it could be or what the law says. But at that point they just stopped responding. So because of tat I have a hard inquiry from Upstart and nothing to show for it. I do not think our regulations allow creditors to deny loans just because they want to, and whatever the reason they are supposed to be transparent about it so we can address it if possible. There is harm to my credit file now, as each inquiry brings down your score. I want to mention here that one of their " reasons '' was too many inquiries. The only inquiry I had was from a job, The other one was THEIRS. Obviously they are just making any excuse because they have a certain set of people who they will service and other people are being redlined. Otherwise why so opposed to giving their specific reason? Also, one of their denial responses says to check my Upstart mailbox - but I never had one. I never had to log into their website. I can not log in and it doesn't show a way to register either. So even their " link '' doesn't lead you to any information. They utilize XXXX XXXX XXXX for Georgia, so evidently they are in on this too.
10/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Problem with personal statement of dispute	CA 92129	Web
I opened a {$6400.00} loan with Upstart in XX/XX/XXXX. All monthly payments ( {$190.00} ) were timely for the life of the loan. In XX/XX/XXXX, I sent a check for a payoff that their site gave me. They posted it on XX/XX/XXXX. I found out months later that I owed {$28.00} and they reported me., I have not received any emailed statements or mailed statements from Upstart. After I found out about this extra amount owed, Upstart stated that they added my monthly payment separately from the payoff! This is deceitful- a payoff should include any payment and interest so it is then closed. They said they emailed me and called me about the {$28.00}, however, according to what their site gave me in reference to a payoff, I paid off the loan!! I did not take any phone calls from unknown numbers and there NO voicemails left for me otherwise I would have played them. They did send emails but they also sent MULTIPLE marketing emails for new business, i mean multiple, which I Ignored. I did see some payment reminder emails which I got every month. However it did not say I owed {$28.00}, it said I owed {$190.00} for my regular payment. I did not! I assumed my loan was paid off. These emails were automatic so this is very deceiving to me. They even included the current date for the {$190.00} after I paid the loan off and again this is wrong. Once I finally received a collection letter in the mail, I was furious! My credit it now ruined for {$28.00}! I contacted them many times and they said by law they have to report anything late. Ok so they did. They also have the right to take that negative mark off of my report if they choose to. They did not. They absolutely refused to help a good client. I am in the finance industry and we try to assist good customers because sometimes things dont always go as planned. My point is, regardless of their said phone calls and emails- would I really purposely destroy my credit for {$28.00}??? No! I had an perfect record with them paying {$190.00} monthly and its disgusting that they will not consider that. For {$28.00}?? Thats pocket money. I did not do this willfully. Why would I? I think a good business could sometimes forgo the red tape and assist a good client. I also dont appreciate the deceptive payment emails, lack of statements and lack of voicemails. I am requesting that Upstart will remove this derogatory mark off of my credit report.
12/31/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	GA 30319	Web
I, The NATURAL LIVING MAN and THE ORIGINAL CREDITOR, have extended my open ended consumer credit to Upstart Network , Inc. to have it extended back to THE CONSUMER, myself, using an open ended consumer credit plan Under the Corporation of the United States of America, securely bonded in Surety and trust within my Certificate of Live Birth. Upstart Network , Inc. is a non-living and non-breathing entity and they have misused my extension of living open ended consumer credit ( SSN ) and signature to create a fraudulent credit sale. They have falsified statements, documents and furnished consumer reports stating that their corporation is a " creditor, yet by law have no right to the extension of living credit to offer the living consumer, myself. The lender in any loan transaction in the United States NEVER lends anything of reasonably equal value to the borrower and any contract formed is defective for false advertising, semantic deceit, non-disclosure, and lack of equitable consideration. Upstart Network , Inc., by Federal law, is also a debt collector and they collected fraudulent and nonexistent alleged debt. FDCPA and TILA does not specify OR define the term borrower or loan, therefore this notion of debt can not be validated in truth even in the highest federal court. Understand, when an organization initiates a credit sale in a person 's commercial name using their open-ended consumer credit plan, then creates and furnishes a deceptive form to make a credit sale appear valid, this is in fact identity fraud and theft. They have willfully intended to deceive the original creditor, myself, into a fraudulent contract during a credit sale of a consumer credit transaction. I know who I am, and I am invoking my specified remedy as the original creditor and consumer in this consumer credit transaction. If they continue to attempt to collect this alleged debt, which was constructed willfully in fraudulence and identity theft, I shall be forced to pursue federal litigation with the presentation of facts and exhibits to support my stance. It is impossible to pay on a positively reflected balance debt or charge. They have misled the consumer, myself, when in fact the alleged debt balance shows it has already been accounted for. Upstart Network , Inc. has received my correspondence and supporting documents via U.S. mail on XXXX XXXX, 2021.
05/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90018	Web
I hope this letter finds you well. I am writing to address a matter of utmost urgency regarding an alleged outstanding debt that is being reported on my credit report by UPSTART NETWORK INC. ( Account Number : XXXX ). I have recently discovered that this alleged debt, despite being written off, continues to be reported on my credit report, along with the outstanding balance. This practice not only negatively impacts my creditworthiness but also raises serious concerns of potential tax fraud and extortion. I firmly believe that reporting a written off debt is a violation of tax regulations and constitutes an attempt to use the credit reporting system as a means of coercion to force me into paying an alleged debt that lacks proper validation. This tactic is not only illegal but also ethically wrong. I urge UPSTART NETWORK INC. to take immediate action to remove this alleged debt from my credit report within four business days from the receipt of this letter. Failure to comply with this request will not only demonstrate a disregard for the Fair Credit Reporting Act ( FCRA ) but also reinforce my belief that this reporting is an act of tax fraud and extortion. It is essential to reiterate that this alleged debt lacks proper validation and has not been substantiated with adequate evidence. Therefore, its continued presence on my credit report is unjust and damaging to my financial well-being. I expect UPSTART NETWORK INC. to promptly review this matter, conduct a thorough investigation into the alleged debt, and provide written confirmation once the debt has been removed from my credit report. The immediate resolution of this issue will help avoid further escalation, legal action, and potential damage to the reputation of your organization. I have retained copies of all correspondence, credit reports, and supporting documentation related to this matter for my records. Please direct all communications regarding this issue to the address provided above or via email at XXXX. Thank you for your urgent attention to this matter. I trust that you will treat it with the seriousness it deserves, and I expect the removal of this alleged debt from my credit report within the specified timeframe.
10/29/2020	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	MI 48236	Web
Dear Sir or Madam, On XX/XX/2020, I received an alert that a hard inquiry from XXXXXXXX XXXX appeared on my XXXX Credit Report, negatively impacting my credit score. I have not requested a new loan in years, or new credit of any kind, and believe this inquiry to be fraudulent. On XX/XX/XXXX, I contacted XXXX to request more information, and was told that the only information available was the name of the inquiring bank ( XXXX ), and the date of the inquiry XXXX XX/XX/2020 ). I was further advised that a Letter of Deletion or Letter of Removal would have to be submitted by XXXXXXXX XXXX in order to get the hard inquiry removed from my credit report. I then contacted XXXXXXXX XXXX at XXXX XXXX XXXX XXXX on XX/XX/2020 and requested additional information regarding the inquiry. I was advised at that time by the XXXX representative that it could take up to five days for any new loan application to appear on their records, which is strange given that the inquiry already appeared on my XXXX credit report. I indicated that I had no intention of waiting five days to resolve an instance of fraud. I was informed at that time that there was nothing further that XXXXXXXX XXXX could do, as no information was available at that time. I requested credit freezes with XXXX XXXX, and XXXX on XX/XX/2020. Subsequently, I called XXXXXXXX XXXX again on XX/XX/2020 at XXXX XXXX XXXX XXXX. At this time I was told by the XXXX representative that any dispute would have to be resolved with XXXXXXXX XXXX XXXX lending partner, Upstart, and was subsequently connected to Upstart at XXXX XXXX XXXX XXXX. As I write this, I have been on hold with Upstart for an hour, and have yet to have my call answered other than to be placed in an automated que. I was given an initial estimated wait time of 14 minutes, and am well past that now. It seems clear that neither Upstart nor XXXX have any desire to resolve this issue, and indeed this entire maze of processing delays and call forwarding seem designed to prevent a resolution. This is identity fraud, and Upstart and XXXXXXXX XXXX are complicit. Meanwhile, I am left with having to research what options are available to correct this issue. Please advise. Thank you.
10/23/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Improper use of your report Reporting company used your report improperly	MO 64151	Web
Hello, I reviewed my consumer reports and noticed that I had a Charge Off account from UPSTART Account number : XXXX Reported XX/XX/2022 on my consumer report. Ive called Upstart and sent a letter out certified mail green return receipt signed from them and still no reply, asking them on the phone for the 1099c that they filed the taxes on, so I can report it as income and they told me that they do not have it. THAT IS TAX FRAUD and I am demanding this account to be deleted from my consumer report. They also said that they sold the account to XXXX XXXX XXXX, however XXXX XXXX did not furnish the inaccurate information on my consumer report, UPSTART did, So Upstart must delete this inaccurate information from my consumer report. Not only did Upstart get a tax break they've also sold the alleged obligation to another company XXXX XXXX XXXX which is a benefit to Upstart. I feel used. This company have : assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXXThe IRS Clearly defines a Charge Off as Gross or Ordinary income, Income does not get reported on the consumer report. Which in fact makes the reporting of this account inaccurate. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 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 As Defined by The IRS. I'm demanding this account to be deleted from my consumer report, because they're reporting it as a Charge Off. This reporting is inaccurate and must be deleted.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 the reporting of this account inaccurate.
07/22/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA XXXXX	Web
requested financial assistance / Covid19 related relief from Upstart in XX/XX/2020 and at every single step of the way I have felt mislead and constantly on purpose made to feel confused with the relief that I was supposed to be getting since it never was made clear to me what the relief actually was or for how long. Despite my request for relief in XXXX, Upstart marked me as 60 days late in XX/XX/2020 per the attached credit report. I went through the hardship application process and was led to believe that I was approved. I have attempted to resolve this matter with Upstart by telephone only to get the runaround from each and every representative I have talked to..essentially they attempt to frustrate consumers with excessive wait times and runaround in the form of being transferred from one agent to another and nothing gets investigated or resolved. As a result of the derogatory marks on my credit report I have taken a XXXX point hit in my scores and am about to need my credit for a major purchase and as a result of Upstart I will have actual and statutory damages. I am attempting to mitigate my damages before I acutally sustain any further actual damages. So far I have sustained over {$370.00} worth of actual damages, which I can prove. I do not wish to escalate this matter much further as long as this gets handled within the next 14 days by upstart. Should this matter yet again not be properly handled I will retain a lawyer and seek damages pursuant to Consumer protection law under ( CA CCRAA ) California Civil Code California Consumer Credit Reporting Agencies Act 1785 et seq and The California Rosenthal Act 1788 et seq ( RFDCPA ) I am also requesting that Upstart communicate in writing only via this issue and not contact me by telephone. Despite my efforts to resolve this I have felt very bullied by upstart since they are leveraging my credit report and in the process I paid them {$1000.00}, which is money that is hard to come by right now. This entire thing is causing me so much stress and anxiety as I have now spent countless hours trying to fix the mistakes caused by upstate and the damage they have caused me.
10/17/2022	No	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX XXXXX	Web
I originated this loan on XX/XX/XXXX my first due date was XX/XX/XXXX. My monthly payment is {$1400.00}, I made the first payment for XXXX XX/XX/XXXX for XX/XX/XXXX due date in the amount of {$1500.00} the company applied the payment but never rolled the due date to XX/XX/XXXX they applied it to 9 days of interest ( XXXX ) and the rest to principle. 2nd payment was made XX/XX/XXXX for the XX/XX/XXXX payment this payment was applied to XX/XX/XXXX actual due date. I made the 3rd payment on XX/XX/XXXX for XX/XX/XXXX in the amount of {$1400.00} they applied this payment to the XX/XX/XXXX. My intent in making these payments early has been to be ahead on my due dates. I called customer service on XXXX and spoke with a customer service representative and he did not understand why or how the payments were applied and why the due dates did not roll after each payment made. He opened up an escalation case of research and their response was they apply payments the day they receive them, and it only pays for interest through the date paid. Basically, if I make my payment ahead, I will still be due for the same payment again that month. I asked them to reverse the payments and apply them to the actual payment due dates making me due for XX/XX/XXXX. The company said that's not how they apply the payments, and I am still due for the XX/XX/XXXX. I asked for a higher escalation and received the same response. I reviewed my promissory note, and it states partial prepayments would apply to interest, fees, and principle however I made 3 full payments. The logic and application of payments by Upstart does not make sense a consumer can't ever get ahead on payments even with a 60-month amortization schedule they provided. I am asking for your agency to get involved I am not in a financial position where I can continue to find {$1400.00} to make 2 payments in a month because their accounting method is not accurate. I was recently laid off and my income is limited. Your help with this matter is greatly appreciated. Please see attachments. Failure to receive an appropriate response to this problem has prompted me to write directly to you.
10/12/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 77099	Web
On the morning of XXXX, I applied for an online loan from upstart loans. I was told I had been approved for a loan in the amount of XXXX XXXX dollars, but I would have to buy a XXXX XXXX card to send them XXXX dollars for the first payment in XXXX, and my next payment would not be due until XXXX. I looked them up online, and they seemed to have good reviews, so i sent them XXXX dollars. I was told by the agent, XXXX XXXX ( XXXX ) that the company went through XXXX XXXX XXXX and they would deposit the funds into my account in 15 minutes.I waited for about four hours, and called her back. she told me that XXXX XXXX XXXX needed me to send them XXXX more dollars that would be refunded back to me once the loan went into my account. I explained that If I had XXXX XXXX more, I would not have applied for a loan in the first place, and since this was not explained to me, I would just like to cancel my loan request. She apologized for not explaining that part to me, and said my XXXX would be refunded to my account. This morning I called several times and finally was connected with a XXXX XXXX. He proceeded to tell me he apologized for me not being told about the XXXX dollars, but they needed me to send the XXXX XXXX and XXXX XXXX XXXX would tranfer the funds into my account. I explained that I did not have XXXX XXXX and I would appreciate if he would reimburse my XXXX dollars. He went on to say that upper management would not allow that because they had already contacted XXXX XXXX XXXX and the process was already in play. He went on to apologize for the lack of explaining that I would have to come up with more money to get their loan. He said that he had tried to pay XXXX XXXX XXXX the XXXX XXXX, but that for security reasons, I had to come up with the money. we went back and forth on the issue of my refund they promised to put back into my account. I finally told him that I would look into this further and hung up. I then called XXXX XXXX XXXX. I talked to the fraud department who looked up XXXX XXXX and told me that they were competitors, and didn't work with this company. So I decided to write this letter.
12/14/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	NY 10314	Web
We have experienced several issues with this lender mostly with communication and customer service. Not being able to contact is the closest choice to what we are experiencing which is complete frustration. I am extremely busy with a very demanding full time job. I took out two rather small loans last winter with the help of my wife 's research online. One with this lender and another. We are having no problems with the other lender who is very easy to deal with. This lender has nothing but frustrating policies. They will not talk to my wife even with my permission. In the beginning when my wife tried to call, even after I got on the line to give permission, they gave her a hard time and when I emailed the to tell them I want my wife to be able to speak on all matters they refused unless I completed some notarized papers that I have no time for. The other lender has no problem speaking with my wife after I gave this permission over the phone, once when we took the loan. Upstart will not even let my wife call to make a payment! All reps just repeat the same boiler-plate statement that they can not disclose any info. She is not asking for info to be disclosed in any way. She just wanted to make a payment. She can't even do that. Then I wanted to change my email and emailed them about this at least four times if not more. The customer service department keeps insisting that there is a link on their website to do this. The same person has been answering our emails since early XXXX. We tried over and over and there is no link for this. It leads us to a link to change our password. An arrogant customer service rep in Upstart operations actually told us tonight that the case is closed and they have answered us! I am fed up. this is the worst company to deal with. In the beginning right after I took this loan out they accused my wife of trying to call up and impersonate me. Even a supervisor accused her and it was finally investigated and after pulling the calls they admitted that she never did! What is this? The treatment is awful. I will never take out another loan with this lender and I want this known.
08/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75077	Web
My wife & I had 2 of our homes destroyed in Hurricane Harvey and we both had to take off of work multiple weeks in order to assess the damage and figure out where to go from there. Consequently, we contacted Upstart to ask for a loan extension to move the next 2 payments to the end of our loan. Upstart has offered this service to victims of the California wildfires, but were callous when offering something to Harvey victims. They agreed to reduce our next 2 payments to ~$180/month (from $XXXX), but then our remaining payments would be $XXXX, which didn’t make sense when factoring out how much more we would be paying. Upstart also explicitly stated that these two payments WOULD NOT BE REPORTED AS LATE ON OUR CREDIT. However, Upstart began reporting late payments that same month and everything went down hill from there. The reporting of our payments are incorrect, one payment is missing entirely, we currently show as being 90 days past due two separate times now, etc etc. I was quite furious about this matter, so I acted accordingly and created multiple social media accounts & a website that gained traction rather quickly. I was subsequently contacted by an Upstart attorney who then offered me $XXXX to settle the social media & website matter and to turn over all websites and media accounts to Upstart; I agreed with a couple caveats - the main caveat being that they must follow up on our account and correct the multiple erroneous late payments on our account. However, I was never contacted again about our credit report and had to initiate contact with their attorney again before getting any response, but still nothing was done. Because of their errors and egregious inaction, this has destroyed our once perfect credit and has cost us thousands of dollars in additional interest paid in new credit accounts; We have also had 2 credit card accounts cancelled because of these ridiculous errors, which collectively had over $32,000 in available credit at the time of closing. I have recorded calls, emails, and a legally binding contract that all corroborate what I’m stating in this complaint.
03/01/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	FL 33314	Web
This company needs to be stopped immediately from their false advertising and predatory lending practices. I applied for a personal loan over 1 month ago, was approved for {$14000.00} personal loan. I have continuously been asked for a more and more documents and every time I have been asked for something else, I have returned the items within 24 hours. My rate and terms for the {$14000.00} loan were set to expire on XX/XX/XXXX, still pending a response from an Underwriter to my application and attachments. I called on XX/XX/XXXX and the individual said there was nothing to worry about as my docs would be saved and honored. That was a lie, the next day when an Underwriter was finally able to review the application, they re-ran the credit and said I was only approved for {$4500.00} with a higher interest rate. WHAT THE ACTUAL & & % & %? I took it because I am still trying to consolidate and pay down my credit card debt. Luckily they saved all my attachments from the original application. However, they keep asking for a Form XXXX from my tax return, which is a schedule linked to my business write-offs from my personal taxes. I have spoken to my CPA and he and I both agree, this is not Upstart 's business. My business write-off 's against my personal income is not the concern for a PERSONAL loan. My personal income is what should be derived to approve a personal loan, anything else is just not their business. Anyway, I submitted an explanation on XX/XX/XXXX with the new terms and rate expiring on XXXX. Yesterday, 2 weeks later, they finally reviewed my application and said that they needed Form XXXX again and if I didn't have it, to say I didn't have it and they would continue on without it. I haven't even had a chance to call and speak to someone and I get another notice that not I'm approved only for {$1800.00} and for a higher interest rate? This is b.s.!!! They keep delaying the review and moving the goal post and not holding true to their terms. And it takes them forever to review my XXXX application! Stop this.
08/09/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	CA 90803	Web
I officially refinanced my auto loan on XX/XX/22 with Upstart Network. Shortly afterward I made a personal decision to sell my car and was unable to because my VIN is non transferable, due to Upstart 'not having perfected ' the lien as of yet. They gave an expected title processing time for XXXX DMV when I contacted them, which would be XXXX weeks from XX/XX/22. I would call regularly to check on the status of this and customer service will have records of each call I made. Nearly each time I called, my time for processing expectations would be mismanaged or re-set in some way, even to the point of adding significant amounts of time. I was never allowed to speak to any type of supervisor or management and calls were never returned to me as promised. I made an initial complaint to XXXX on XX/XX/22 and this was the only thing that was able to get anyone who you would assume had any authority to respond from Upstart and explain that an error had been made and was now corrected and that the XXXX DMV would have the title from XXXX no later than XX/XX/22 now resetting the expected time to XXXX weeks again which likely will double the time for something that should be a really transparent and straightforward process. Something is wrong here and I am being ignored weather by intention or design. I am actually losing a lot of money because of this issue. I suspect that there is potentially fraudulent activity or some type of compliance violation happening within Upstart Networks who, 4 days after they received my first XXXX complaint, sent a message stating that my loan payment instructions had changed and they were to go here for future payments : Upstart XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I don't know if this is a coincidence or not. But I thought it an interesting detail. I need this to be resolved and I would like Upstart to be investigated. I would like to hear from someone on this matter with regards to my title at Upstart and from someone at CFPB about the rest. Thanks for your time.
09/18/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 92883	Web
I applied for a personal loan on XXXX. I was approved for a lower amount. I did the online bank account verification process. On XXXX Upstart requested a bank statement from the last 30 days. Now I had already given the company online access to my bank account with all my transactions. And it is a common bank practice for bank statements to take a while to become available. My statements at XXXX are processed on the XXXX of the month. I sent Upstart screenshots of my bank transactions for 30 days, this was not sufficient. Then Upstart requested a complete personal bank statement showing income deposits from within the last 30 days. I then sent them the income deposits as requested, this was not sufficient. Upstart started to inquire about personal loans from XXXX deposited into my account. These loans were under my husbands name. Even though they stated in their emails that I only needed to submit the promissory notes only if my husband was a signer on my bank account, which he is not. I still sent them the promissory notes. My biggest complaint is Upstart claimed I had two personal loans deposited into my account on XXXX on from XXXX and one from XXXX XXXX. This was completely inaccurate, the only personal loan deposited into the account was from XXXX. I have an email where this is stated. I inquired about where are they getting their information about the loan from XXXX XXXX and I never received a straight answer. Once I challenged this second loan, they never brought it up again. For the next 10 days I sent every piece of information requested. On XX/XX/14 my loan was denied. Upstart stated I had another personal loan account opened since submitting my application. This is a complete lie. My credit report did not change in 10 days. All of the notices I received stated my loan was approved, not pre-approved. Upstart lied about items on my credit and deposits made into my bank account. I had a previous loan for $ XXXX with Upstart, my payment were on time and I paid the loan off early.
02/08/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	FL 32563	Web	Older American
I saw Upstart on the XXXX XXXX website this company is completely unprofessional from start to finish I applied for a {$30000.00} loan I was preapproved and then was sent a list of to do documents two of them are that last two years of income. Now understand several years ago my CPA said I could take some of my income and move it to an XXXX XXXX and have a lower tax basis since Im XXXX XXXX to pay less SS tax, from the start it was a mess first I had applied and waited day after day from almost 5 days and hadn't heard anything i called and went over my issue and the person I talked to said he would talk to a supervisor and when he came back he said my income didn't match and I told him again my situation where you had to add the 1040 and the XXXX XXXX to come up with my income I got some nonsense about they went from " line 31 '' which said between the two years tax returns I only had an average of {$150000.00} trying to go over they had two 1099 that clearly shows my income to be almost {$290000.00} I have no office expense and while yes I have to pay income tax from that my net is about {$200000.00} but anyway I finally told him I now have SS and how can that be shown. Well he said first the loan was declined but he said if I reapplied just show the SS with some bank statements that show this income I reapplied and then called the next day got some rude women who didn't seem to know up from down and I explained I sent in the tax returns again along with the bank statement which now gave me about {$220000.00} in come and she said she had to do some research and came back after a long delay and said well you incomes don't match and your declined nothing about he " line XXXX '' nonsense. This company jacked me around for over a week for nothing, and why do I say this is nonsense and completely false adverstising with some smoke and mirror double talk? I applied for a long with XXXX XXXX and from start to finish I had {$30000.00} deposited into my checking account in two days
07/13/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 75077	Web
I have taken out XXXX loans with Upstart. Over the past few months, when attempting to access my accounts with a representative on the phone or through the Upstart website, XXXX of the loans are unavailable. Representatives can not find the loans in the system. Although Upstart loans are offered and reported to the credit bureaus under the Upstart name, Upstart representatives are unable to service or even view certain loans. As a lender, there are certain responsibilities that Upstart has to its customers. Simple servicing of loans is XXXX of them. Drawing payments and reporting to credit on loans that their representatives can not access is unacceptable. From a consumer standpoint, a company is failing when it can draw payments on XXXX account, report negative credit markers on another account, but can access neither when a customer seeks to take action on loans. Without access to loan accounts, customers have no remedy for late payments and are left to sit and watch while their credit scores are decimated because of Upstarts inability to do the most basic of things - service its loans. I have repeatedly asked for assistance from upstart representatives, to no avail. When I request documentation of XXXX particular loan that is impacting my credit, I receive documentation regarding an entirely separate loan. The level of confusion and disorganization at Upstart is such that, in my mind and likely the minds of other customers, the company brand is little more than XXXX of abject negligence regarding its most basic responsibilities and blatant disregard for consumers. As of the date of this complaint, Upstart has not produced any documentation on the loan negatively impacting my credit, and has provided no options to pay the loan and make it current. They repeatedly tell me that they can not find it in their " system, '' and are giving me no option but to seek remedy through external sources including CFPB, the State Attorney General, and potentially legal action.
06/24/2020	Yes	Student loan Private student loan	Dealing with your lender or servicer Don't agree with the fees charged	FL 33460	Web
The company upstart.com is charging me daily compounding interest when my contract says simple. The website is upstart.com The whole point is this was sold to me as a simple interest loan, and now they are charging me interest daily. I would never agree to that. They sold it to me as a standard simple interest loan. Their reps lied and sold me a pay day loan. In the pro-misery note is says simple interest, they are charging me daily interest. Please see section 1 from the not I signed with them. " 1. I promise to pay the principal sum of __________, together with interest thereon commencing on the origination date at the rate of ____________ per annum simple interest. '' That is taken from the first paragraph in the loan pro-misery note. Also, the reps on the phone told me that I could pay it off early with no penalties. I also phoned back and spoke to two other reps to confirm, that i could, Pay it off early. The loan is listed as a Student Loan. It is not a " pay day '' loan. Why are they telling you its a pay day loan when it is a Student Loan for tax purposes? I want upstart to show me their calculations. I say they are completely bogus and they are yet to show me any calculations. Like actual Math. Show me the formula as how you got to {$440.00} in XXXX. A second response asking me to review the note is not going to cut it this time. Ive attached the note which clearly says " simple interest '' which is what your staff sold it to me as. In XXXX of XXXX i paid {$1000.00} to them and {$440.00} went to interest. Show me that math please? I signed a contract saying that its simple interest, their staff told me there are no penalties or expenses to pay once the interest is paid for, They say its a pay day loan, but listed as a student loan. I really believe this co is defrauding thousands of people and we need another look. Ask them to show us the math, as to how they charge me so much interest> Please have a look, this is fraud at a major scale -
07/28/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	CA 950XX	Web
I have had many concerns with the company called UpStart. UpStart loaned me money for used vehicle, XXXX XXXX XXXX to be exact. During my terms of agreement I have paid all payments on time and concurrent with those payments. It was recently deemed total loss and covered by my insurance with regards to payout. Along with XXXX if any differences. My concerns with UpStart have been brought to their attention and they refuse to address these concerns. Such as ; contract, agreement, UpStart written policies, site navigation ( blocked ) changes made, entitlement, payments, personal data collected and shared, refinance, prior to accident. and why your company refuses and avoids an answer to my concerns. As none of my concerns were given a definitive answer. The answer i did receive were to check site for policy. However, I am blocked. And they wont remove this blocking of site. Regarding payment as they have stated both thank you for my payment and that I am late of X amount of days. Title already passed on without consulting with me whatsoever. Also to add my XXXX XXXX is not complete with their official outcome. To allow some leniency or pause account as I am waiting on XXXX XXXX XXXX XXXX so that I may have an amount to say what is left if any! As to why UpStart stats as Owner of the vehicle I do not have rights to the remains. the response I received was that they dont allow the owner to keep remains. There site stats data collected and share of my personal information and that I may request this information shared. They would not provide this. Refinance prior to accident. As they told me they do not refinance when there site clearly stats they do. I have had many concerns with this company and none of my concerns have been addressed or answered. Not a single question or concern. And its very upsetting and frustrating when I have made sure I made all payments on time with them and holding up to my side of our agreement. Thank you, XXXX XXXX
03/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 274XX	Web
The reason I am writing to you is to state that Upstart is being inconsiderate, I have always been a loyal if not outstanding customer. Ive always considered it a priority to make all my payments on time. Unfortunately, I fell short of my own standards earlier this year, and I was over a month late in XX/XX/2018 ( payment reported as 30-59 days late ). Also, I had been carrying a sizable balance for several months but as I am writing to you now, I am in the process of paying of the balances on my Upstart account. their records will show that I had never been late with a payment until this unfortunate oversight. The reason for me to be off the schedule to make the payments is that I got married in XX/XX/2018 ( Proof of Marriage ). As a result, I travelled out for my honeymoon for a few days, having expected to be back in time to take care of my payments. Unfortunately, During the few days honeymoon, my wife fell very Ill and could not come back as planned. I wish all was well in our Honeymoon and had come back in time but now its too late for me to go back in time and fix the situation. This was not entirely my fault as I was not around to make payment. Were it not for this set back, I could have maintained my perfect record. I can assure you it wont happen again going forward. The reason for writing this letter is that Im planning to apply for a mortgage loan, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. As a long-time customer in good standing, it would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment from my file that was reported in XX/XX/2018. Thank you for your consideration, and I hope youll approve of my request. I am attaching my travelling itinerary and marriage certificate for your reference.
09/08/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77099	Web
I've sent several letters out to Upstart regarding the reporting of inaccurate information reported on my credit report and the impact it has on my ability to help my family. Tracking number numbers : XXXX However, the credit bureaus said they completed the investigation, and everything was 100 % accurate. In XX/XX/2021, I noticed that an account with Upstart Consumer Leading was reporting on my credit report. I immediately contacted the credit bureaus to understand how and why this account was on my credit profile. However, to no avail, despite the evidence and written attempts expressing that his account was not mine and that this is a sign of identity theft. I was told that the account was accurate and verified and that I would have to take it up with Upstart. After almost eight months, of informing Upstart that this account is not mine and that someone used my identity to open this account. Upstart continues to report this account to the credit bureaus and refuses to have the account removed from my account. As of today, the account is reporting as a charge-off and affecting my credit score dramatically. According to the law 15 U.S. Code 1681a - Definitions ; roles of construction. The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates, of the consumer, reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
07/01/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Information is missing that should be on the report	TN 37918	Web	Servicemember
On XXXX a loan with the company Upstart was taken out in my name. I was made aware of this after a military training event when I made a check into my credit score. The company had performed little to no background checks in regards to ID verification, and had issued the loan with incorrect information. I had attempted to follow what the company had suggested according to their fraud department, and had contacted all three credit bureaus upon noticing the fraud account. Contact was made in XXXXXXXX XXXX XXXX As with life in the service, I was not available to make follow ups on my own behalf in timely manners, and as such had my durable POA act on my behalf. To which the company refused to work with at every turn. Even after having been given complete access to the issue by my verbal omission. This has only extended the issue into this date of XXXX. As of XXXX where the company now claims to have failed to receive a forum provided by them that was submitted in triplicate to them, to the address that was provided by Upstart. A request on where to find a new forum to be faxed was made, where Upstart then provided incorrect information, and a fax number on where to send it once completed. Attempts to get the correct information failed, and the company has little to no interest it seems in getting the issue resolved. As a large overview of the situation, I have never had the displeasure of dealing with a company who is so unwilling to work with a fraud situation. I am in great disapproval at their customer care in regards to dealings with a POA, and their validation process to get a loan issued. As it seems there is little to no verification as to the correct ID of any information of the person. Had they done so, they would have easily made note that the bank used in this account, the address used, and the employer information were all incorrect, dated, and no longer applicable.
09/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23434	Web	Servicemember
I asked the company on XXXX XXXX of 2023, to respond to questions, after I suspected that relevant information may have not been provided to me in the process of reading thru the literature, provided by the alleged lender. I asked the lender to define if the disclosed that it would steal my promissory note by depositing it as an asset and then create a liability and then loan me credits that came from me. Then ask me to pay them in the form of Federal reserve notes. I stated to the lender if it did not respond with answers to these specific questions and others in the specified time frame it would have agreed to the Terms and Conditions set forth in my Non Negotiable Conditional Acceptance of the alleged contract between the alleged lender and me. They continued to not respond in the way asked of them. I eventually gave Notice of Rescission of our alleged contract, due to the mistake I made by entering into an alleged contract without all relevant information needed to make and informed decision. The lender still refused to respond in the proper way. I got a Notice to cure from them, but it was after improper responses from them. They continue to report the account as delinquent rendering my credit score lower and lower, while we were engaged in negotiations. Other conditions that they agreed to by their silence is removal of negative credit reporting and adjusting the account balance to XXXX. In accordance with the fair credit reporting act This creditor, ( Upstart XXXX XXXX, Upstart Network LLC ) has violated my rights Under 15 USC 1681 section 602, states that I have a right to privacy. 15 USC 1681 604 ( a ) section 2 states that consumer reporting agency cant furnish an account with my written instructions. 15 USC 166 ( v ) a creditor may not treat a payment on credit card account under an open and consumer credit plan as late as for any reason.
12/19/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 78249	Web
I applied for a personal loan for the amount of {$6000.00} with Upstart on XX/XX/2022, XXXX XXXX. My loan was approved on XX/XX/2022. Subsequently, I tried to accept the loan on XX/XX/2022 in the XXXX and was denied based on the hard pull that was done on my credit file after my acceptance of the loan. The reason for denial included in the adverse notice was " monthly debt obligations increased by more than XXXX XXXX of total verified income or {$200.00} since application. '' I called Upstart to understand what changed over the weekend as I knew for a fact that nothing had change to which Upstart wasn't able to provide me any further explanation or facts about my monthly obligations during the application and post approval of the loan which was provided as a reason for declination on the adverse notice and asked me to contact XXXX and XXXX to obtain clarification. I reached out to both the credit bureaus and confirmed that nothing had changed in my credit report/file between XX/XX/2022 to XX/XX/2022. I also have copies of my credit report from XX/XX/2022 and XX/XX/2022 which confirms that nothing changed. I have talked with the team lead as well at Upstart and she wasn't able to provide me further explanations or rationale of their decision other than what was mentioned in the adverse notice. She kept on asking me to reach out to credit bureaus to obtain further clarification ( which i had already done before talking to her and mentioned it to her ). As such, I strongly believe that the declination reason provided by Upstart is inaccurate and my application was declined incorrectly and inappropriately and/or Upstart is unable to provide me detailed explanation to me of their declination decisions which I as a consumer is entitled to under the Equal Credit Opportunity Act ( ECOA ). As such, this demonstrates their failure to comply with ECOA as well.
10/27/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	HI 96825	Web
In XXXX I received a loan from Upstart. From that time to around the end of XXXX, everything was fine, I was making payments on time. Around the end of XX/XX/XXXX I requested that the due date of my loan be changed to match my last payday which is the end of every month. I was told that that could be done and the representative put me on hold and when she came back, she confirmed with me that my due date was changed. I thanked the representative and went about my day. On XX/XX/XXXX, I was the victim of the Hawaii Wildfires. Even though my address is in XXXX, we also got the brunt of the fires as well. I contacted Upstart several times during this time and advised them of this and advised them that since my income had sufficiently decreased and that I was taking care of a XXXX parent, that I wasn't going to be able to do anything in the form of payments until this XX/XX/XXXX. I did my due diligence in contacting these people and they did not offer to make my account current during this time, nor did they waive any late fees as they stated that they did in their numerous emails to me. All they said was that my account was XXXX past due for the amount of a little over {$700.00} and that I could make partial payments to bring my account current or else the entire promissory note would be due in full and that my account would be charged off. There was no compassion, nothing, only threats and demands for monies that right now, I don't have as I am trying in vain to take care of my mom who is XXXX and get the damage to our home fixed. I need some sort of relief. All of my other credit card companies have been so thoughtful and even waived any payments that were coming due due to the fires. We were all over the national news!! What makes Upstart so special that they can treat people this way, and military people at that?
09/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77584	Web	Servicemember
Upstart loan place XXXX XXXX charge off on my credit XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, CA XXXX Subject : Dispute of Inaccurate Information Under 15 USC 16Bib and Request XXXX lam writing to formally dispute inaccurate information containe in my credit report, as permitted by the Fair Credit Reporting Act ( XXXX, specifically under both 15 USC 1681b and 15 USC 1681c-2. This dispute pertains to the information reported by your agency under the permissible purposes outlined in 15 USC 1681b, as well as my request for blockng information related to identity theft under 15 USC 1681c-2. I recently obtained a copy of my credit report from your agency and have identified the folowing inaccuracies : Account Name : [ Upstart Account Number : [ XXXX Date of Reporting : ( XXXX ) Description of inaccuracy : [ This account is being reported as a charge off on my account this account is not mine company has not surrendered any supporting documents to me showing proof that this account is mine to be accurate or true it has been pass 30 days if the allowed time Please removed account immediately from my credit profile for Under 15 USC 16816 , consumer reporting agencies must ensure that the infrastructure they report is used for permissible purposes only. I am disputing the accuracy of this information, as it has a significant impact on my creditworthiness. I request a thorough investigation into the accuracy of this information as required by 15 USC 16815. Additionally, I suspect that this inaccurate information may be a result of identity theft, which falls under the provisices of 15 USC 1681c-2. To address this concern, I kindly request that you investigate the possibility of identity theft and block the reporting of this information it a is found to be a result of such unauthorized activity.
12/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA XXXXX	Web
I am having major issues with Upstart and their horrible reporting issues. First my payment in XXXX they kept having issues processing payment. They charged me a late fee when the issue was on their side as I kept having to wait for them to add the bank account and verify. I also responded in multiple emails for them to charge my account which they kept making excuses for saying that I responded to the wrong email or missed a word. It was ridiculous and I told them I refused to pay their XXXX late for their issues. I made the payment for XXXX My payment due was XXXX. So they instead reported my account as past due for the month for XXXX which was the balance of late fee which I refused to pay due to their errors since I paid XXXX which was more than payment due. They still have not fixed on my account as paid on time on credit reports, but found the investigation and ended up refunding me XXXX in XXXX for the error. Which is attached in emails. Next I made my XXXX payment for XXXX. I sent them copies of my bank statement as well as the screen shots added and they still said it was late. They told me my bank account was Frozen. Which again is not true because then they withdrew on XX/XX/XXXX and XX/XX/XXXX from that same account XXXX more payments. They have tons of issues and I am tired of them reporting incorrectly. Claiming my bank account is frozen even though they have taken XXXX payments from it and then reporting my account as late incorrectly on my credit causing irreparable harm and stress. Then to add insult to injury you will see in all the emails when they are wrong they do not respond for 15,25, 30 days and half of the emails bounce back. So they do not respond in any timely manner what so ever!!! This is by far the worst company to deal with.
03/04/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NJ 074XX	Web
Here is my situation : I obtained a loan from Upstart.com. When setting up my loan payments I added my primary bank account. That account is used for recurring payments. A little over a year in, all payments being made on time, I need to close that account so I can transition to another bank. Then, I go to Upstart to add this new account so I can add the new account. This is where I run in to problems. According to Upstart there are 3 ways to add my new bank account. First, through logging in with my banks username and PW on their site. Unfortunately, since my bank is a small bank Upstart 's system is not compatible. Second, by uploading a check. I don't used checks and have none associated with this account. Third, 'small deposit method. ' This is where I enter my routing/account number, they place small deposits in my account, and I confirm. Because the first two options don't work for me, I chose this. However, there is a glitch in THEIR system. No matter how many times I enter my info I get an error message. They have acknowledged that this third method does not work. I only have the first two options, which for the reasons stated above, do not work for me. I call and ask them to add my account manually. They say this is impossible. I find that ridiculous. First off, it is not this difficult to add bank accounts from any other major creditor. I believe this company is intentionally making this difficult. My current account will close next month and I will literally have no way to make a payment on my account. I am ready, willing, and able to make payments. They won't let me. Then, of course, they will report late payments to my credit and charge me more fees. This is outrageous. They appear to be making this difficult on purpose. Please help me.
12/15/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with signing the paperwork	TX 782XX	Web
On XX/XX/XXXX I received a prequalified-offer to refinance my auto loan with upstart company, I submitted an application and was requested personal informacin such as driver license social etc, 2 days after I received an email in where they said my application is as approved that additional documentation was required. Co- owner concent, insure ce to show me on it and d deductables under {$1500.00} the co-owner did not received email to sign consent when we called to check on it customer service rep XXXX advised us there was tech difficulties on their end that prevented them to send said email and I advised that application was time sensitive, she reply since it was their fault they would they will adjust, on XX/XX/XXXX I called to inquired on status they resend form, co-owner signed it we also submitted proof of insurance with name on it they advice over the phone everything was good to go and to go ahead and wait for the check to be mailed to the current lean holder on my loan, and he hung up the phone 2 hours later I received an email saying application was denied, I called again and they said that since the deducible wasnt showing on the page they had cancel everything, I spoke to supervisor XXXX on the auto refinance operations team who did not provide me with any explanation was very rude, and just said there was nothing to do denied me to speak to some one else in the leadership team, I spent hundreds of Dollars getting the insurance they way the company needed it I drove 400 miles to get the co-owner paper work signed to be mislead by this company and to be turned away with out reason or attempt to fix issues. I need the above company to fix my application status and reimburse me for the money spent during this application.
10/23/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Getting the loan	NY 10940	Web	Servicemember
This company practices discrimination based on income. Specifically this company denies XXXX income as a basis of repayment. On numerous occasions in XXXX, XXXX, XXXX this company keeps claiming in its denial letter that I do not possess enough " Income and or work history '' also it claims I do not have sufficient education. My only sources of incomes are derived from XXXX and not from work. How would I possess work history at this current time? Furthermore after repeatedly submitting the application I am given the same reason. When I contacted the company they read off the same statement over and over. They even state on the bottom of the denial letter they DO NOT discriminate based on income. But here they are telling me I do not qualify based on my " Income and or work History ''. This company specifically practices Income Based Discrimination which is a violation of Federal Law. Reason : We are unsure of your ability to repay the loan based on your current employment, education or work history. Notice : The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with this law is the Division of Depositor and Consumer Protection, National Center for Consumer and Depositor Assistance, Federal Deposit Insurance Corporation, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
05/08/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 77520	Web
I originally took out a personal Loan with Upstart, and it was fine up until I was talked into signing up with a debt consolidation company in order to try to bundle my debts with the promise of increasing my credit score. The consolidation company took payments directly from my bank account without making any payments to my debtors and it took months to get them to stop taking the money out which sent all my debts into default and damaged my credit score which I was trying really hard to build. Upstart was one of these lenders that was defaulted in the process. Upstart notified me that they sold the debt to " XXXX XXXX XXXX '' XX/XX/2022. Upon finding out they sold the debt I attempted to contact XXXX by phone and by email on XX/XX/2022, to try to make payment arrangements or settle the debt. XXXX XXXX never responded to me, and I was never able to get in contact with anyone that could tell me about the account or who to get in touch with. I never received anything from them in the mail resembling an attempt to collect a debt. However, I just learned that they have filed a lawsuit against me without ever getting in contact with me, attempting to collect or responding to my requests for information. I have always paid my debts, and I truly regret trying to consolidate my debts because that's where everything went wrong. However, I don't think that its right that they can file a lawsuit without notifying me themselves, attempting to collect it, or even responding to my own requests, especially when I was attempting to resolve an issue the moment I learned of the account being sold. How is it legal for a debt collection agency to file a lawsuit without attempting to collect or responding? I will be contacting a lawyer.
02/24/2022	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	NJ XXXXX	Web
I applied loan to " Upstart.com '' and i was denied, and the reason i was denied according to Upstart was, " They are unable to verify my ability to repay the loan base on XXXX XXXX XXXX, The Disclosure to use my information that they obtained from an outside source which is from the consumer reporting agency as part of the considaration of my application. '' My question is how come the reporting agency disclosed wrong information to the Upstart.com that i dont have ability to repay? On my file in credit Bureau i have a late payment record for 3-4 months on my XXXX Credit card because that was COVID 19 but after 5 months i fully paid my XXXX credit card. I didnt owe even {$10.00} to any bank or company in the whole world. And why the Consumer reporting agency disclosed wrong to all company when they verify my credit, that i dont have ability to pay., that's why I never approved. And now i know the reason i always denied everytime i applied credit card or loans that because the consumer reporting agency disclosed wrong info, and that is against the Law. I always thinking why, how come i am denied, i dont know whats the reason. All my friends was always approved even they have negative report worse than my credit report. Pls investigate and remove it in my file the negative hidden words " I dont have ability to repay '' thats why i always denied on any loan application, they hide from me and they report it to any bank and company that check my credit files Please help me why they do it to me. Please investagate why? Its not fair, i am suffering. Im so sad, they abuse me. Why, i am not a bad person, never ever commit any crime in my whole life. Never ever went to the court even ticket problem. Please help me.
08/13/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	FL 32246	Web
I set up recurring payments on this account in the amount {$360.00}, to be drafted on the XXXX of each month. Per the authorization I consented to the amount will be drafted either on the XXXX or XXXX day after. Recently, this Company drafted the payment amount two days prior to the authorization date. Causing my bank account to be negative. I was forced to pay a {$30.00} stop payment fee with my bank to stop the unauthorized ACH transaction. I called upstart and explained the situation. The Representative claimed they could not locate my account and refused to look up my account when I tried to provide the account number. This is the second time this CompaXXXX has acted and used unfair practices. The first time, they tried saying that they can report the account to the Credit Bureaus as 30 days past due, even though the account was in the grace period of the first 15 days and payment was scheduled to draft long before 30 days. The Representative was on a recorded line. At this point l, they have committed theft as they were not authorized to take payment from my account. They were only authorized to draft on the XXXX of the month and per their own agreement they would not draft any sooner than that date. When you try to contact them, they are rude and refuse to look up the account. The attached picture shows that the payment was set up for the XXXX. The second picture is an example of the verbiage used. As you can see, when you set up a payment they state that said payment will be drafted on the day or the day after. Please note, this is an example only. Yes, the date in this case shows XXXX but thats not the point, the point is to show the verbiage used in their authorization form.
06/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92507	Web
Upstart and XXXX XXXX have violated my rights. I XXXX XXXX XXXX, as the beneficiary of the XXXX XXXX XXXX que trust, sent UPSTART ( Trustee ) a contract that was considered accepted per the mailbox rule on XX/XX/2022. Along with the contract I sent a coupon to settle the debt. Following the remittance letter and contract, I also sent UPSTART, a notice of fault and opportunity to cure, followed by a notice of fault /Cease and Desist. UPSTART remained silent and acquiesced to the contract. Per Public Law 73-10, which states that all debt, public and private are paid for, this account should have been removed from my credit reports. Furthermore, I received a collection letter from XXXX XXXX, demanding that I send in a payment for a past due amount. I do not have a contract with XXXX XXXX. UPSTART and XXXX XXXX have violated my rights. 15 usc 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of anydebt_ 15 usc 1692b ( 2 ) not state that such consumer owes any debt ; 15 usc 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 15 usc 1692b ( 4 ) not communicate by post card ; 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 that a consumer reporting agency can not furnish a account without my written instructions..
10/10/2022	No	Money transfer, virtual currency, or money service Virtual currency	Fraud or scam	OR 97233	Web	Servicemember
In the month of XX/XX/2022, I was befriended by an attractive woman name, XXXX XXXX XXXX, on XXXX. She has sent personal messages and I had reason to believe she was really the person in her pictures. We have messaged daily, and she had always talked about investing in XXXX and how much she made doing that. She had me convinced that I could do the same. She talked about platforms like XXXX and XXXX and has sent me links to download onto my phone. I foolishly fell victim to her scam. I downloaded the apps and began investing a few XXXX dollars from my bank account to XXXX, and eventually to XXXX. For some reason, she had me send her screenshots of funds and my XXXX account information. I was told I could apply for a loan at Upstart.com to increase my funds faster. I applied and received a {$5500.00} dollar loan which I then put all into my XXXX account, and eventually transferred into my XXXX XXXX The virtual currency I was investing in was XXXX. I saw my XXXX rate increase at a rapid pace. I was convinced this was legit, but when I tried to transfer funds back to my XXXX account from XXXX, I was told I needed to pay an absurd amount, {$20000.00}, just to transfer it back. I ended up paying a few months of the Upstart loan because I felt I was stuck with it. I haven't financially been able to pay this loan in recent months, so it has gotten sent to collections. This has severely damaged my credit and hampered any future loans. I called Upstart to try to resolve this account but unfortunately, they don't have any resolutions for scams or loans applied without identity theft. I reported this person and scam to FBI, FTC, and Upstart. My next steps will include contacting Credit bureaus.
05/25/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	ME 043XX	Web
I applied for a personal loan on Upstart 's website on XX/XX/2022, after receiving several correspondence from the company, informing me that I was pre-approved. That same day I was preliminarily approved for the loan. On XX/XX/2022 Upstart 's Loan Operations sent me an email requesting my most recent bank statement. I uploaded a copy of the bank statement later that day. On XX/XX/2022 I received an email from The Upstart Team informing me that I was approved for the loan. I was instructed to log into my account to review and accept the final terms. On XX/XX/2022 I logged into my account and submitted the first form. I immediately received a message in my Upstart message box informing me the company was not able to offer the loan to me at this time. I immediately called the company and spoke with a woman named XXXX. When I asked XXXX why I was denied the loan, a day aftyer being told that I was approved, she informed me that they company found a " new loan '' from XXXX XXXX XXXX XXXX ( " XXXX '' ) on my credit report. I advised XXXX that I obtained the loan from XXXX over a month before I received the loan invitation from Upstart. XXXX said the company can not approve my loan. I then spoke with XXXX 's supervisor, XXXX, and I reiterated what I told XXXX. XXXX put me on hold to check with a Credit Analyst. When XXXX returned to the line she told me that I did not disclose the XXXX XXXX XXXX I informed XXXX that I completed the Upstart application in full and the company checked my credit immediately afterwards. I did not apply for any new loans since applying for the XXXX XXXX XXXX XXXX said Upstart did not notice the XXXX XXXX XXXX before sending me the loan invitation.
05/24/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78665	Web	Servicemember
Since XXXX this year I have been asking Upstart to delete the fraudulent report that someone took out in my name. It was the result of identity theft. I have sent them so many letters, the last one was in XXXX. They know that the account is fraudulent and acknowledge it. However they keep telling me I need to speak with a third party called XXXX XXXX about getting the account resolved or getting the record deleted. This is not my account its fraud. FCRA requires them to delete accounts within 5 days when Identity theft is involved. They are being irrational and telling me to ask someone who does not have any record on my reports to delete it. It make no logical sense. Upstart needs to delete this public credit record as its clear that the account is not mine. My name is XXXX XXXX XXXX XXXX. They can not produce any signed agreements with my name. I have been dealing with so many people opening accounts with different variations of my name, but I use my full name when I do loans because the identity thieves do not have that information. Please see my attached birth certificate. Please compel them to follow the law and delete this. They have been provided everything they need yet they keep being irresponsible and stubborn. Please make them respect the your organization and respect Federal Law! I am a XXXXXXXX XXXX XXXXXXXX XXXX veteran. This is affecting my health tremendously. I am not well and the stress of having my identity stolen and being put through so much to fix the damage is exhausting. I should not need to spend so much time fighting this. I am an honorable man who has been awarded many medals. I deserve to be believed and respected!
08/10/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Received unwanted marketing or advertising	FL 33311	Web
I am writing to provide a personal statement regarding the identity theft incident that I have experienced. I recently discovered that my personal information has been misused without my consent, leading to unauthorized activities and potential financial and reputational harm. Upon noticing suspicious activities, I took immediate steps to investigate and mitigate the situation. I contacted relevant financial institutions, reported the incident to local law enforcement, and have been working diligently to rectify the unauthorized actions attributed to my name. I want to emphasize that I had no involvement in the fraudulent activities associated with my name. I am a victim of identity theft, and I am committed to cooperating with the necessary authorities and institutions to resolve this matter promptly. I have reported the incident to the appropriate credit reporting agencies and have placed fraud alerts on my credit reports to prevent further unauthorized access. I am also working closely with my financial institutions to ensure that any unauthorized transactions are properly investigated and resolved. I am fully aware of the importance of addressing this matter promptly and thoroughly. I have taken the necessary steps to safeguard my personal information and prevent any further unauthorized use. My goal is to clear my name and restore my financial and personal integrity. I appreciate the efforts of the Federal Trade Commission in assisting individuals affected by identity theft. I am hopeful that with your guidance and support, I can navigate through this challenging situation and emerge from it with a restored sense of security.
03/01/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	GA 30084	Web
I, XXXX XXXX, consumer, natural person and original creditor of an open-end credit plan was denied my rights by UPSTART NETWORK , INC. on XX/XX/2022. Due to 15 USC 1602 ( g ) For the purpose of the requirements imposed under part D of this subchapter and sections1637 ( a ) ( 5 ) ,1637 ( a ) ( 6 ) ,1637 ( a ) ( 7 ) ,1637 ( b ) ( 1 ) ,1637 ( b ) ( 2 ) ,1637 ( b ) ( 3 ) ,1637 ( b ) ( 8 ), and1637 ( b ) ( 10 ) of this title, the termcreditorshall also includecard issuerswhether or not the amount due is payable by agreement in more than four installments or the payment of afinance chargeis or may be required, and the XXXX, by regulation, apply these requirements to suchcard issuers, to the extent appropriate, even though the requirements are by their terms applicable only tocreditorsoffering open-endcreditplans. UPSTART NETWORK, INC. was notified by this transgression of my rights, specifically 15 USC 1601- The Truth in Leading Act by UPSTART NEWTWORK, INC. via electronic mail. I got denied of my rights because We were unable to verify your ability to repay back the loan based on your current obligations and income. In which is a false statement since all obligations to pay my open-ended credit off is to be directed to the United states based on 18 USC 8.According to 15 USC 1602 definitions of The Truth in Leading Act, I as a natural person possessing an open-end credit plan was harmed by UPSTART NETWORK, INC. adverse action take against me denying my rights of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to ( {$5000.00} ). UPSTART NETWORK , INC. is now civilly liable to pay me for damages.
08/02/2023	No	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA XXXXX	Web
To Whom it May Concern, Hello, please find below the following information. Im urgently complaining about UPSTART 's refusal to remove an erroneous 30-day late payment they caused. Despite my attempts to resolve this, they have disregarded my requests for resolution, prompting me to seek your intervention. UPSTART continues reporting an erroneous 30-day late payment in XX/XX/2023 due to there company deducting the payment from the wrong bank account, despite my providing them my correct banking information. I had called them in XX/XX/2023, when they first made this mistake and I was assured once I provided them with my correct banking information that this would NOT happen again. However, they continued to withdraw from the INCORRECT bank account and this has caused me a 30-day late payment, distress, a credit denial, and a negative impact on my credit report. I request your assistance in compelling UPSTART to promptly remove the erroneous 30-day late payment from my credit report. ( Please note ) : My account is good standing and up-to-date ( Plus advance/extra payments ). I have also ( prior to this incident ), paid Upstart advance payments. I have never had a 30 day late mark on my Credit Reports/Bureaus etc. ( I have NO late payments with any other companies, that I have accounts/business with. ( Until this incident with UPSTART happened ), My credit history always showed " EXCELLENT PAYMENT '' category on my credit Bureaus. Now because of UPSTART ( as mentioned earlier ), it has truly caused, much distress, credit denial and negative impact etc. I thank you in advance for your attention to this matter.
06/19/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AR 727XX	Web	Older American
I keep getting emails addressed to someone with a different, but similar, name who has apparently taken out personal loans with a company called Upstart, which I believe is an online loan service. I presume our email addresses are similar. I am not, nor have I ever been, a client of this company. I have twice called this company to tell them that they are using an incorrect email address and that I am receiving notices intended for their client. These emails divulge the amount of the loans, the amount of the monthly payments, the length of the loans, the loan account number, the name of client 's bank from which the payment will be drawn, and the last four numbers of the bank account from which the payment will be drawn. Despite my twice letting the company know in telephone conversations that it is divulging sensitive information to someone who has no right to it, they have not addressed this issue. It may be that their client and I have similar email addresses, but the address should have been verified before they began using it. Clearly they did not. I am concerned that this company, UPSTART, is not taking appropriate care with its clients ' information. I know far more about this stranger and her financial dealings than I should. Please look into this. My understanding, based on a small amount of research, is that much of the client interface with UPSTART is AI generated, thus it may be difficult for them to find and/or correct mistakes of this nature. To repeat, I am not a client of this company, but I am receiving information for/about one of their clients, and I have no right to that information.
04/12/2023	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 38401	Web
In accordance with the fair credit reporting act XXXX, Upstart, and XXXX XXXX have violated my rights. I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : XXXX ( acct ending XXXX ), Upstart ( Account # XXXX ), XXXX XXXX< have reported as having a late payment my credit report I am demanding that this account be updated to Paid as Agreed and Never Late. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these mentioned derogatory items be investigated and permanently removed from my report. I'm asking you to investigate these errors and remove any information that can not be verified.
11/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	TN 37918	Web	Servicemember
Upstart issued a {$4000.00} line of credit to an ONLINE FRAUDULENT IDENTITY THEFT person who claimed to be myself. Loan apparently taken out/issued on XXXX On that date, I was already XXXX XXXX XXXX as XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX. I am currently XXXX XXXX & my mother has POA. Upstart REFUSED to discuss ANY details on this loan with her, even though she is LEGALLY bound POA while I am enlisted. Upstart demands a police report - which they have been told REPEATEDLY THAT THERE IS NOT A POLICE REPORT filed since loan was fraudulently obtained online. My employer & residential address were INCORRECT but loan was STILL GRANTED with my full name & social security/dob. My POA has been working with all 3 credit bureaus to get this investigated/disputed/removed from my credit report. The derogatory comments from Upstart have not only RUINED my credit, but now my XXXX XXXX XXXX is in jeopardy & my XXXX rank are all being affected. After documentation was sent to Upstart by my POA, proving this loan is FRAUDULENTLY in my name & social security #, SEVERAL different times, Upstart STILL REFUSES TO REMOVE loan from my credit. I was forwarded to this site by XXXX ( via my POA on phone conversation XXXX ) representative, stating once this is filed & received in paper form by XXXX XXXX that THIS LOAN WOULD BE REMOVED FROM MY CREDIT. I had already filed a complaint with XXXX & FTC in XXXX XXXX & 4 dispute/investigations later, the Upstart loan is STILL ON MY REPORT. Please help me rectify this erroneous fraudulently obtained line of credit loan by removing this from my credit.
01/20/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	NV 89166	Web	Servicemember
I was falling behind on my payments but managed to make a minimum payment to keep my account from being charged off on XXXX XXXX XXXX This minimum payment only allowed an extra 31 days to make another payment to prevent the account from being charged off. On XXXX XXXX XXXX Upstart sent me a " Right to Cure '' email stating that I had until XX/XX/XXXX to pay my balance before they would charge off the account. Contrary to their email, my personal loan dashboard reflected a date of XX/XX/XXXX to make a payment. Due to the discrepancy in the payment dates, I decided I would go off what was reflected on their website/my dashboard for the payment due. I thought the website would have more accurate information regarding my payment date. On XX/XX/XXXX my account was charged-off. I immediately sent an email explaining the situation and how I was given two dates and that there must be a mistake or error on the email or website. Upstart Loan Operations did not care about the facts that I presented to them. I even provided a picture of my dashboard that had my amount due and it showed XX/XX/XXXX as when it was due. Upstart still refuted this information and evidence and will not recall the loan from the charge-off and allow me to make my scheduled payment. This is unacceptable behavior when the customer has proof that there was a discrepancy in the payment dates. I should not be punished with a charged-off account when I was actively trying to rectify my account and their system was showing two separate dates that I was supposed to make a payment.
12/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AR 72703	Web
To Whom It May Concern, It was recently brought to my attention that Upstart had reported a late payment in XXXX of this year. I did not know about the late fee reporting because it does not display as late on my customer dashboard. However, this dispute is not about my customer dashboard being incorrect. In fact, my customer dashboard is correct. I entered into a hardship plan and Upstart deferred my XXXX, XXXX, and XXXX payments. This dispute is because Upstart should not have reported a 30-days late payment to the credit bureaus because there was no XXXX payment. This payment was deferred. I have a copy of my hardship plan along with screenshots of my customer dashboard, which clear shows : 1. The XX/XX/2021 payment was deferred 2. There are no late payments on my account. I have talked to an Upstart agent over the phone and sent two emails requesting the removal of the incorrect 30-days late reporting. Upstart has refused to remove the incorrect late reporting. They suggested I report the dispute to the credit bureaus, which I have done. XXXX has approved my dispute and removed the late fee reporting from their records. I am awating XXXX 's decision and XXXX will take longer because I had to mail in my backup ( their online customer portal was down ). I XXXX for a living, so it is easy for me to provide backup for my dispute. I can only imagine how frustrating this must be for someone who does not have the " ease '' of disputing an incorrect reporting. I have also submitted a complaint with the XXXX and now CFPB.
03/02/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	CA 94089	Web
I found a recommendation for a personal loan on XXXX. I then used uXXXX website to sign up for loan. I took out a loan for {$3500.00} on XX/XX/2021. I received {$3200.00} direct deposited into my XXXX XXXX XXXX checking account on XX/XX/XXXX. I found a family member willing to loan me the money. So I called the company to cancel the loan ( and return the money ) within a few hours of receiving deposit on XX/XX/XXXX. They told me they would attempt to cancel loan and contact me back. Later that day I received an email that they could not cancel loan, But that I could pay it off without a penalty. My mother informed me of a regulation that allows for a cooling of period. This would allow me to cancel the loan within a few days- 2 weeks of signing the loan. I researched and found it covers personal loans.I called again to request a cancellation this time citing my rights to cooling off period on XX/XX/XXXX, they told me I would be contacted back. XX/XX/XXXX, received email from upstart saying they would refund part of origination fees if paid off and in the next email on XX/XX/XXXX they said You may however, payoff your loan without any penalties in doing so. If looking to payoff your loan early, you would only pay the interest that accrued up to that point included in the outstanding principal amount. I promptly initiated payment on XXXX. On XX/XX/XXXX {$3500.00} was withdrawn from my account. I wanted my origination fees back so I have contacted the company twice since payment date via email. I have not received a response.
07/23/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 95205	Web
On XX/XX/2020 I missed an auto payment due to XXXX check comming in late. XX/XX/2020 they emailed stating a repayment would happen XX/XX/2020. On XX/XX/2020 when funds became availble I made the payment for XXXX via their online services. Their system stated specifically that my next payment would be XX/XX/2020. XX/XX/2020 they took they payment out of my account causing an over draft, I caught it that day, called them up and asked what was going on since the payment was done. They processed a refund minus the {$15.00} ACH return fee. While processing a complaint for the overdraft fees the accrued. XXXX XXXX I recieved an over draft fee {$35.00}, XX/XX/2020 I recieved a continued overdraft fee of {$30.00}. I called on XX/XX/XXXX and they stated they were just processing the refund that day And i amended the supplemental complaint to include the additional {$30.00} fee. XX/XX/2020 i recieved the refund. XX/XX/2020 I recieved an email stating they were denying coverage of the bank fees becuase there were not assessed by Upstart. So I sent them proof of the fees and that there mistake was the sole cause of them by a account summary covering the days in question. Along with the statement that their system informed me on XX/XX/XXXX, that the next payment would be XX/XX/XXXX th. They are sticking to the fact their original email on XX/XX/XXXX superceded the information provided to me on XX/XX/XXXX. Had there system stated the original XX/XX/2020 payment was still in effect this whole situation could have been avoided.
01/07/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	FL 33617	Web
Misleading preying and marketing tactics to gain entry to personal and financial information from the consumer. Found online after dozens and dozens of prequalified communications. Rating and giving the consumer the highest degree or approval odds to later back out of the transaction and deny loan based on " discrepancies '' they say exist, but no-one can explain or tell you what they are. All documentations provided were accurate, timely and presented in the fashion requested but very poor communication with the timely response of the representative took almost a month to move in the positive direction that should have taken a 5-7 day time frame. Disgusting and unprofessional demeanor from the " Supervisor '' involved was worthless and was less effective than the original representative. She also refused to give me her companies location, her ID number or any other traceable information to later identify her to avoid future scams with Upstart and so she can get training. Suggestion to the public is to avoid this predatory lending company " upstart '' and find other reputable companies that will not play games with your personal information you submit. Shareholders should be ashamed of themselves, and the board should fire all from the top down and start over or keep same practices and rebrand and call themselves downslope. Consumers would be better off going to the local pawn shop and building a relationship with the rep. that will rip you off with a 25 % lending rate. Run as fastest you can when dealing with Upstart.
01/16/2021	No	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	NJ 08816	Web
Due to a long-term hardship caused by Covid, my financial situation has been severely impacted. I have successfully negotiated lower payments with all of my creditors ( extended length of term and/or reduction of interest rate ) with the exception of one company - Upstart. Upstart offers a hardship plan which consists of 2 missed payment at which time the third payment then becomes bigger than the original payment because it has the late fees and payment built into it to make up for the 2 " missed '' payments. I have participated in the plan twice, but then realized that this put me in a worse situation long term, because the third payment was always going to be much bigger than the original missed payments. I tried unsuccessfully to negotiate a reduced payment or other option but the company insisted I had to once again apply for the same hardship, which does not make sense because I will always be in a worse position after those 2 " missed '' payments. I finally contacted an attorney to intervene because I want to continue paying but can not pay the even higher payment that is now demanded. Upstart told my attorney that the account has to go into Charge Off status ( after 120 days ) for them to review the case internally or sell it to a Collection Agency. This makes no sense, since after 4 months they will have permanently ruined my credit and I a willing to pay NOW. I just can not pay the even higher payment they are demanding. The company is completely ignorant to what consumers impacted by Covid are facing.
08/10/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	MI 493XX	Web
approx 2 months ago they billed my closed checking acct when i specifically advised them its closed resulting in fees for bothn the upstart loan and upgrade card i have with them the following month they did it again i went off on them and was told theyb wouldnt do it again i removed the acct last month and what they do they did it a 3rd time this month they have the correct acct on file but keep billing the one i said not too i remove acct they add it back this place has giving me so much grief on adding my new acct at first they wouldnt verify it even after isent requested infotheykeptsaying itvwasntthe format theybwanted eventually they accepted it this is after billing myclosed acct3 times when i said not too my god im very upsetting its costed me more than all my payments combined with the bank bc thge acct cant close until it isnt billed i need them to remove it and they wont do it i even gave them the acct to bill ive had alot of cards over the years but never have run into such a poor managed co like this one they purposely ignore your every in struction please help in any way you can its not like im not paying the bill but of coarse its hurting my credit as well and they know it and its not fair also i should note i try to go back to access my info online now and it says my acct is temporialy not available ive had multiple issues trying to access in past its like they lock me out so i cant do anything also nobody works on weekends there very hard to get ahold of i belive its intentially driven motives
04/26/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AL 35055	Web
I took out a loan with Upstart on or about XX/XX/2021. The funds were direct deposited into my account. My payments are due on the XXXX of each month. As of today 's date, XX/XX/2021, I have made my first 2 payments, XX/XX/2021 and XX/XX/2021. I went into their website today to make 2 more payments, my XX/XX/2021 and XX/XX/2021 payments. However, my next payment due date is still set at XX/XX/2021, which has already been paid. When I took out the loan, I needed the money to get out of a hole, pay some bills off and catch up on others, which I did. NOW, I want to start making my payments to Upstart and it's very important to me to make these payments NOW because, in light of what's going on in the world today, we have no way of knowing if we will have money to make payments in the future, jobs, rent, etc. I have asked Upstart TWICE today to advance my due date based on the 2 ( TWO ) payments that I have made and they are refusing to do so, stating " we are now allowed to show your loan as due for more than one month ahead at a time ''. I don't care, I want to and am eager to make my payments NOW. I work in a bank, I have for over 20 years, and I KNOW from experience that my due date can be advanced ahead as long as I make the necessary payments. I need the funds that I am remitting to Upstart to be reflected on my loan as payments made, NOW. I absolutely do NOT mean or want these funds to be posted as principal reduction payments, they are payments that forward the due date. Thank you.
10/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07018	Web
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. ( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator. ( Pub. L. 90321, title VIII, 805, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 876. )
07/08/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MO 630XX	Web
Early XXXX I received solicitation from Upstart Network ( aka Upstart Holdings Inc. ) promoting personal loans with flexible payments, fair underwriting, and low interest rates. In the solicitations I was " pre-approved '' and equipped with an approval code. Within ( XXXX ) year of receiving the loan, I experienced financial hardship. Prior to, I made all payments as outlined in the loan agreement. I reached out to Upstart on multiple occasions seeking assistance, and a reasonable adjustment that would allow me to continue to me my debt obligation with Upstart. In oppose to offering income-based payments and/or a reasonable hardship repayment option- Upstart has resorted to predatory practices. These practices consist of promoting continued loan payment deferent with continual interest accrual, increased payment amounts, extended loan terms, etc. All the readily available options facilitate a cycle of debt, astronomical interest with fees, and payments are not applied to any principal amount. Upstart actions are aligning to that of predatory lenders who opt to force deferent/forbearance instead of reasonable repayment plan. Moreover, upon further research, Upstart underwriting practices violate The Equal Credit Opportunity Act ( ECOA ), by utilizing an applicant 's education level as an underwriting key factor. Unfortunately, these details were omitted from the several solicitations that were mailed to me and lured me in with the promise of a " pre-approved '' low interest rate.
12/16/2022	No	Debt collection Other debt	Communication tactics Frequent or repeated calls	MA 02062	Web
This company contacted myself and four family members last evening around XXXX. They would not identify what type of company they were calling from and all they said is they needed to know my " location ''. They not once stated that they were attempting to collect a debt they just repeated the name of their company and would not answer what type of company this was to ensure my safety before advising my " location ''. Collectors should be calling to attempt to " contact '' a consumer, never to LOCATE them. I just left an XXXX XXXX XXXX XXXX XXXX XXXX and the fact that this company called late at night and ALL of my family asking for my location made us contact authorities thinking it was related to this XXXX XXXX situation. Even when I called today and stated it was me, they would NOT tell me what their company does or why they were looking for me ( again IE if they were attempting to collect a debt ) unless I told them my DOB and home address. Of course they were XXXX on top of it, absolutely no customer service on their part which caused EXTREME distress and frustration on my end. They stated their script of stating they are looking for a consumers " location '' and calling multiple family members was provided by the CFPB so it was legal. This tactic is scary and inappropriate for the consumer, as you never know what a consumer 's situation is, just like my situation explained about above. I hope this never happens to another consumer or their family again.
09/09/2022	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CT XXXXX	Web
I filed a complaint against Upstart with the XXXX- in regards to interest, NSF fees for charges that they had on auto-payment when that's not how it would've been set up since I'm paid bi-weekly and dates change and it's too difficult to keep on going in changing dates. They removed interest fees but refused on the NSF fees. On XXXX XXXX, 2022 they attempted to take {$100.00} out of my account. They did not have permission for this charge. They had permission for a {$50.00}. The {$100.00} didn't go through because it was attempted yesterday and I don't get paid on Thursdays, so I wouldn't have done it for that reason, Also I had cleaned out most of my account due to fraudulent charges and my bank is in NY, I'm in XXXX So I also needed to be able to have access to my money. I've been waiting on my new debit card for just over a week. And if I scheduled {$100.00} why would I go back in and do a second charge for {$50.00}? So now on XX/XX/XXXX they are going to try and take {$110.00} out of my account that they don't have permission to take. They are constantly emailing with threats of interest charges, NSF fees, and a late fees. I regret ever getting a loan with them. I spoke with a supervisor who stated that the payment for the {$100.00} came from their side, not mine, but she had to dig into my file to find out how this happened. Really? Someone goes into my account and sets up a fraudulent charge? No. Not happening. I will change all my banking info.
12/14/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	NE 681XX	Web
On XX/XX/2022 I applied and was approved through upstart for a XXXXXXXX loan. Their electronic system reviewed my checking account. The next day on XX/XX/2022 they requested Bank statement, voided check and signature card from bank. After review due to me using a credit union the number on statement and account appear different as when have member numbers. On XX/XX/2022 they requested via email document of letter from bank verifying this is my account which I provided. I contact my bank first thing in morning XX/XX/2022 to get letter and sent over verification to upstart. Upon review they told me number on signature card did not match. I then contact my back again and they wrote a detailed letter Than I got another message in email the number on signature card did not match. I contact my bank again and they wrote detailed letter explaining the account member numbers and offered to answer any questions. I submitted for review and call customer service for the 3rd time on XX/XX/2022 to let them know I had submitted and if they needed anything further I would go to bank, find the manager and call them from bank to have my financial instuition send directly anything they need to finalize. Before even allowing a final review they denied my based on the comment that they could not verify my information on application. They did this before reaching out again or allowing me the fair right to complete process for a loan I was already approved for.
03/14/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	IL 60618	Web
Predatory lending. I had been receiving Upstart mailings for probably two years. Each time I would ignore them, and they would send a new offer. I needed a debt consolidation loan to get some XXXX school loans off of the Bursar 's books and to pay some back taxes, and decided to give them a try. It put in the application within a week of expiration of one of their offers. The Upstart website clearly asks for bank statements within 90 days. I followed their instructions, uploaded all the documentation, as per their documented requirements. It took me a few days. During the process, they changed their qualification rules during the process and found a number of excuses to delay the transaction until the term expired, at which point they used it as an excuse to jack it up to a 30 % APR and lower the amount offered.. Of note, they claimed that a single-member sole-proprietorship LLC business checking account didn't qualify as a personal checking account. According to the IRS, a single-member sole-proprietorship is a disregarded entity. So it should qualify as a personal checking account. But the main complaint is that they're not following the documented procedures on their website, and are engaging in predatory lending practices. Also, it should be noted that the banking industry recently received a $ XXXX dollar bailout from the government. It's unconscionable that lenders are reverting to predatory lending in these times.
09/20/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NY 10314	Web
This is not a duplicate complaint. This is a new issue. I thought I was on the way to resolving this and I found out it is still not resolved. I finally had to give in and was forced to complete a hardship application which they should have informed me had to be done over two months ago when they sent me an unclear email telling me I was approved for a forbearance. I was expecting a forbearance for the months of XXXX and XXXX when I was struggling after having my salary reduced by 10 % due to the Pandemic. This was promptly reported to them by email. i have proof of it. They told me it was approved so I did not pay for two months. Then I received an email stating that I was in danger of being reported to credit bureaus for not making my payments! I was shocked. I tried to deal with them and reason with them to no avail. In spite of making two payment which should have counted for XXXX and XXXX they are still informing me that I owe {$200.00}. I should owe nothing. Not even late fees if this had been processed correctly. I should owe nothing until XXXX. Where do they get {$200.00}? It doesn't even make sense. I am paying less than {$55.00} per month for a monthly payment. I asked to skip XXXX and XXXX. Period. That is all and i just paid XXXX and XXXX. I am not dropping this. I am not paying off this loan and I warned them that if I find anything negative on my credit report I will stop paying the loan and file for long term hardship.
01/28/2023	Yes	Money transfer, virtual currency, or money service Debt settlement	Fraud or scam	NM 871XX	Web	Older American
I attended a presentation by XXXX XXXX on XXXX XXXX. They asked me to fill out a piece of paper they called a " credit application '', and applied for a Promissory Note in my name. I did not authorize XXXX XXXX to do this. I did not know who or what " Upstart " was. I had No paperwork of any kind or a phone number with information from Upstart. I received a direct deposit in to my personal checking account on XX/XX/XXXX. Upstart deposited this money into my account. I still had No information from Upstart. On XX/XX/XXXX, I contacted the Attorney General 's XXXX XXXX XXXX XXXX XXXX XXXX and filed a complaint against Release Consulting and Upstart. XXXX XXXX was my advisor. She contacted Upstart on or about XXXX XXXX. I did not hear any thing about this from the XXXX XXXX or Upstart until late XXXX. XXXX XXXX had retired in XXXX. In late XXXX I again contacted The Atty. XXXX XXXX, XXXX XXXX XXXX, gave me information to contact Upstart. On XXXX XXXX after contacting Upstart, after speaking with 6 Upstart employees, XXXX XXXX in their ID Theft department agreed to send me paperwork submitted by Release Consulting on me. I discovered my " loan through, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX New Jersey. I have never had any contact with these people. I also discovered XXXX XXXX originally applied for the loan in my name for, {$28000.00}.. i presently owe in excess of $ XXXX filed a ID Theft report on XXXX XXXX on XX/XX/XXXX.
02/06/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 92626	Web
On XX/XX/XXXX XXXX applied for a loan to pay off 3 credit cards. The total loan amount was for {$1000.00} minus a {$70.00} processing fee so loan amount is {$930.00}. I received {$150.00} to my checking account don't know why, a credit card was paid for the amount of {$230.00} and second credit card of {$150.00} which is a total of {$540.00}. There was one last credit card with a balance of {$380.00} that according to them it was paid off on XX/XX/2021. I checked the balance on unpaid credit card and nothing was paid off. I called the credit card company to see if there are any pending payments to pay off balance and they said no. They asked me if they sent it by check I said yes and asked for check # so they can track it and they didn't find such check number. They told me to call Upstart to see the status and Upstart keeps telling me that it's been paid off but I checked Upstart through my app and it does not show no payment to that specific credit card. They said they will investigate and reach out to me but no one ever reached out to me and they still want me to pay them and now balance went up to {$1000.00} when payment is not due yet. The reason I got this loan was to improve my fico but it's making it worst. They said check was mailed out by XXXX XXXX XXXX which I thought Upstart was the actual lender and on promissory note it states that loans are made through XXXX XXXX XXXX. This seems shady to me which it is actually.
05/24/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	OR 97005	Web
XXXX XXXX was the victim of identity theft and enlisted XXXX to resolve his ID Theft. I started working his case on XX/XX/XXXX. I sent out an initial dispute to Upstart on XX/XX/XXXX that included all the necessary documents under the FCRA to confirm the account as fraudulent including ID Theft affidavit, police report, copy of ID, SSN card, proof of address, power of attorney allowing Upstart to speak with me regarding the fraud, and a cover letter requesting the loan be confirmed as fraudulent and removed from all credit reports and records. I spoke with XXXX from Upstart on XX/XX/XXXX who stated they needed a copy of the police report to confirm the fraud. I mailed all documents including a copy of the police report to Upstart again on XX/XX/XXXX. I spoke with a supervisor XXXX with Upstart so said they would put in a request to call me back regarding the fraud. I never heard back from Upstart. I mailed a new dispute to Upstart on XX/XX/XXXX and XX/XX/XXXX. I have not been able to speak with anyone regarding the fraud as now Upstart is claiming they can't do anything without speaking to XXXX even though I advised them that they have the power of attorney allowing them to speak with me as well as their company has already spoken to me regarding the fraud on multiple occasions. I advised I would be filing a CFPB complaint to have the loan confirmed as fraud and removed from all credit reports.
06/03/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Was approved for a loan, but didn't receive the money	TX 770XX	Web
XXXX XXXX of 2023 I got emails and text messages saying I got approved for {$10000.00}, {$8000.00}, {$5000.00} etc they even send XXXX I signed i literally put my whole personal information from ssn, bank account and router number address everything. After that I got 30 plus emails saying my email and my information was found on the DARK WEBSITE, DEEP WEB I have a screenshot of the docusign its not that clear it shows my name on it shows a number to call I call someone will answer and hangs up Its to companies one name XXXX XXXX XXXX and the other one called the XXXX XXXX, and upstart loans I honestly think its the same people. They got my information when ever they run bank account numbers and routing number they say the dont do business with XXXX XXXX they black listed thats when I know its to late my personal information is out there XXXX XXXX XXXXXXXX one I ask how do you know that I have XXXX XXXX they hang up in my part locked my credit and freeze it as well I still dont know what else to do. Heres 2 of the emails address XXXX ( XXXX ) XXXX & & XXXX XXXX Upstart XXXX ( XXXX ) XXXX Everyone of these sent documents agreements to on XXXX All ask for personal information from ssn bank account and routing numbers. The 3 companies said I can go up the loan store and pay fee through cash app, XXXX, XXXX, gift card, etc. thats the fact after I sent the company ( s ) all my information.
10/11/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 77382	Web
I applied for an installment loan with XXXX XXXX, ( XXXX XXXX ) and was approved. See attached notice. After receiving the official approval, they pulled a hard inquiry on my credit report. I instantly received a denial notice, after receiving the official approval. The loan denial was based on having another hard inquiry being pulled on my credit report after applying for their loan. A soft pull on my credit report was submitted by Upstart Lending ( XXXX ) on the date I applied. I had assumed the loan was going to be denied as it had been several days since applying. I did attempt to search for another loan. If trying to find a better loan opportunity causes someone to lose out on qualifying for a loan, its unfair for the consumer/customer. No counter offer was provided nor an explanation of how to move forward. How can a hard inquiry on a credit report cause someone to have their loan approval reversed. When someone is searching for a loan, it shouldn't count against them for searching for the best opportunity. I should have been provided an opportunity to explain why an additional hard inquiry was pulled. Surely a reputable lender should have known this??? In contacting the lender I was place on hold for over 1 hour and 30 minutes. As it turns out, it is their practice to deny loans if a current applicant attempts to get credit from a different lender after applying with Upstart.
01/28/2023	No	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	TN 37042	Web	Servicemember
On XX/XX/2022, I received a letter from the Consumer Protection Division of North Carolina and I filed a complaint against the company Upstart. Their investigations concluded that with identity theft documents and multiple complaints, they were still trying to hold me liable for debt that they could not validate. They mailed me a number of copies of documents saying I took out the loan but none of them proved it was me nor did it bear my wet ink signature of any sort. At the time I was in the middle of trying to purchase a home and this debt was holding me up so I was going to attempt to settle the debt even though it was not mine. I contemplated for weeks on making the payment but I decided against it as it would hold me liable for this debt and I never agreed that it was mine. In their letter, they stated that they conducted multiple investigations but they never went outside of their company to find out if the debt was truly valid. They wanted me to provide them with bank statements proving the account the money went to was not mine or to return the funds. If you did a proper investigation into the matter then you should already have that answer but they also stated they would investigate further with that information. They wanted me to settle for {$2700.00} on a debt that was original {$7900.00} but I like I said I refused to take ownership by doing so and I didn't pay it.
10/05/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Getting the loan	TX 77901	Web
On XXXX I applied for a loan and was approved, on their website they make you connect your bank, it makes you login and I set up for auto-pay. On XXXX I emailed asking about the loan money because in the email it said 1-3 business days. On XXXX I got an email saying they couldn't deposit the money into my account, it was unsuccessful ( I used their own system to link my account ) so I had to go back to the website and manually enter my information. On XXXX ( not a business day ) they sent an email stating my bank account was verified. On XXXX I sent an email saying my account was verified and that their website says " If you accept your loan before XXXX EST Monday-Friday, you should receive your loan proceeds the next business day. If accepted after XXXX EST Monday-Friday or during the weekend, you should receive your loan proceeds two business days later. '' On XXXX I sent another email because it has now been 4 business days and I have not received my money, which I should of already. No response from them. I sent a email on XXXX which is now 5 business days later, I get an email back saying someone will reach out to me shortly. No one called or emailed. I send another email on XXXX and get the same response from them as on XXXX. Meanwhile, this whole time I am getting charged interest fees since XXXX and have not received any money from them.
05/26/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	MD 21212	Web	Older American
On XX/XX/2022, I submitted an application for a personal loan for {$5000.00} from Upstart. On the same day, they denied the {$5000.00} but said they would approve {$3300.00}. On XX/XX/2022, I received an email stating that I qualify for a loan and asking me to complete my application, which consisted of submitting a picture ID, a statement from my bank and a picture of my degree from XXXX, which I provided. On XX/XX/XXXX, I received a request for a quick call/interview, and was asked to provide another form of identification and my pay stub, which I provided on XX/XX/XXXX. XX/XX/XXXX, received an email that my loan was being processed and the processing time may be slow. XX/XX/XXXX, I received an email stating the loan had been approved, instructed to log into my account to review and accept the final terms. Upon logging in, I signed the promissory note and checked the boxes, and then it states your credit report will be pulled. Upon hitting enter, a message comes up that and says we are unable to approve your loan. My concern is what was done with my personal information during the timeframe designated as " processing ''? Why wasn't the credit report pulled initially to verify loan eligibility. This company misleads and is not truthful in its lending process ; they did not do their due diligence and present false information to the consumer.
12/21/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	VA 23229	Web	Servicemember
I entered on XXXX XXXX in the military on XXXX XXXX, 2019, and will be continuing on XXXX XXXX for at least XXXX years once I finish my initial entry training, per my Service Agreement. Prior to entering XXXX XXXX, I took out XXXX personal loans with Upstart. Soon after entering XXXX XXXX I sent Upstart a copy of my orders to XXXX XXXX candidate school. They initiated the XXXX interest rate cap of 6 % on my account. However, as soon as the end date of XXXX Candidate School, which was XX/XX/2019, arrived, Upstart removed XXXX XXXX and said that I needed to send additional orders to continue XXXX benefits. I sent the orders for the follow-on school, however because the orders do not have an end date due to the nature of the school 's length, Upstart refused to reinstate XXXX benefits. I have sent them a copy of my Service Agreement stating how long my XXXX XXXX obligation is, a copy of my Leave and Earning Statement, which states when my projected 'End of Current Contract ' ( ECC ) and 'End of Active Service ' ( EAS ) are ( which are the dates Upstart was requesting ). I was also able to locate a status report for myself from the Department XXXX XXXX XXXX XXXX XXXX, which states that I am still on XXXX XXXX. None of the other companies that I have credit cards, loans, or leases with have given me any issue after receiving my initial orders.
02/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85251	Web
Hello, I am submitting this request due to a late payment reporting on XX/XX/2022 on my account # XXXX. I want you to know that I understand my financial obligations. I have been a long-time customer and making payments on-time is a major priority for me. I made a mistake in falling behind. Unfortunately, during that time in the beginning of 2022 is when everyone was getting XXXX due to the second wave. At the time I was out of work and unable to even get out of bed. Since I already have XXXX, I got sick very badly and almost went to the hospital. As soon as I got back up and working I paid this off immediately and notified your customer service team. Also, since then, I have made 100 % payments on time and I'm more than halfway done with paying off the loan. I made this payment as soon as I was able and had hoped my credit score would reflect my changed circumstance but this late payment is continuing to do damage on not only my credit score, but my future goals as well. Im planning to apply for a mortgage as now thanks to your company 's help I was able to get my finances in order and I have my own successful business. It has come to my attention that the this late payment on my record will hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts.
10/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48219	Web
Hello CFPB, I would like to file a formal compliant. This company has not sent me a bill to my address or email. Nor called me to tell me the bill was late. I do auto pay with this company and was never notified that any payments were not made. This company reported the bill as late and the bill was paid out of my checking account and later reversed due to a return check. This company never made me aware of this billing issue because they have all my information wrong. Wrong billing address wrong email and contact time. It was not until I got ready to purchase a car my credit dropped that I noticed the payment was not taken for the month of XXXX. I called this company and spoke to the servicing department and they agreed that it was a billing error and they will update it with the credit reporting agencies after I file a dispute. However to my surprise they updated and verified that the account was past due. per section 1026.10 Payments. " ( 1 ) General rule. A creditor may specify reasonable requirements for payments that enable most consumers to make conforming payments. '' I feel like I was not reasonable notified of any payment errors. I would like them to 1. update all my information correctly and remove the past due status on my report because they are in volition of section 1026.10 of the regulation.
06/01/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 33460	Web
I opened up a loan of {$13000.00} on XX/XX/2019. The company was www.upstart.com - and they made me sign a promissory note which is attached. The purpose of the loan was to consolidate debt to one loan, and then pay the loan off fast. This co is not letting me pay off the loan. In the second month, I phoned them and asked if I could pay if off early with no penalties. The agent on the phone said yes. Recently I started to look at how much interest I have paid, and it is much more than they should have received. If I phone the company they will not explain the interest to me in basic terms. They say it is " compounded daily '' although the pro-misery note attached says it is simple interest. I requested to speak to a supervisor who put in a " complaint '' - it wasn't a complaint, rather I am pointing out their accounting errors to them. I have attached their response also. It seems, they take what ever they want, whenever I pay extra. Some times, they put 100 % of my payment towards interest. Again, no one at the company can explain the interest charges to me. If you look in XXXX of 2019, I paid {$1000.00} to them, and of that, {$530.00} went to interest. I would never agree to this. In XXXX I paid {$600.00} and {$250.00} went to Interest. The payments are inconsistent and completely random -
06/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 76542	Web
On XX/XX/XXXX I was notified that Upstart had sold my debt with them to XXXX. I was immediately confused, as I had paid a settlement on this debt in XX/XX/XXXX through XXXX XXXX. The settlement was made months prior to the sale of this debt, which had already been settled and resolved. I informed Upstart of this, though they took no steps to correct the problem despite my efforts. Upstart sold an already-resolved and settled debt. I disputed this debt immediately with XXXX XXXX XXXX, the debt collector for XXXX, immediately, but efforts began to collect the debt anyway. After months of working through this situation, XXXX closed the account upon investigating and finding that the debt was settled. XXXX stated that they returned the debt to Upstart. Upon learning this, I contacted Upstart to request a resolution and proof that the account had been properly handled and closed, due to this being settled back in XXXX of XXXX. Upstart has been a nightmare to communicate with since the beginning, and has never worked to resolve any issues I brought to them. They sold an already-settled debt, which restarted efforts to collect a debt that had already been paid. On XX/XX/XXXX, after XXXX indicated the account had been closed and returned to Upstart, I reached out to Upstart again to handle the situation.
04/25/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	CA 94539	Web
A loan was taken out in my name. I'm a victim of identity theft. My email was accessed, from there my bank accounts. Loan Company : Upstart Loan amount : {$1200.00} Loan date : XX/XX/XXXX Loan # xxxxxxxx Signed : Electronically Wired to my account {$1000.00} ( XX/XX/XXXX - XX/XX/XXXX? Don't have record of the exact date ) Bank return to Upstart on XX/XX/XXXX as unauthorized. I filled an identity theft report on identify theft.gov. I've sent a copy to Upstart, along with a copy of my ID as requested. Upstart has asked for a letter from my bank stating my account was subject to fraud ; however, my bank will not provide such a letter. It's against their policies. What they did provide, and I sent to Upstart was a paper I filled out on XX/XX/XXXX my claim of fraudulent activity when a $ XXXX check was cashed from one of my accounts. According to Upstart that was not sufficient for them the consider the loan fraudulent and they still consider the loan valid. Upstart has sent me to collections. Upstart does not acknowledge the return of the {$1000.00}. Despite filing disputes with the credit agency, Better Business Bureau and many emails and phone calls, Upstart refuses to acknowledge the loan as fraudulent. Upstart will not provide copies of any information that was provided to them for this loan.
11/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75093	Web
Your company is furnishing an account on my credit report as a charge off which is debt that has been discharged and you took a tax write on. After contacting the IRS they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status. This is called tax fraud upon the IRS and you will be reported for such. I demand you to remove the following item from my credit report and send the 1099-c so I can audit it to make sure you are in compliance. Also, the credit reporting agencies are reporting inconsistent information such as the Date last active and payment history. How can each bureau report different information if all data should be the same? You violated the FCRA 15 USC 1681eb you are reporting information that's not 100 % accurate. The irs directed me to file form XXXX for illegal tax violations upon your company. I'm quite sure your CEO OR VP don't want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. Please note that this account is also paid in a settlement and there was an agreement for the account to be deleted. Remove the following account from my credit report within 14 days UPSTART NETWORK INCXXXX XXXX.
08/19/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	NC 280XX	Web
I was on the platform XXXX XXXX which gave me an alert that I may qualify for a personal loan to you know pay down debt Make a big purchase an alert told me I had a very good chance based on my credit score of obtaining a small personal loan. I am awaiting my employer to pay me for work that I have done but I just needed a little help financially waiting to that point of being paid. I thought, well this sounds easy enough lets try it. I went through the entire process spending hours putting in my information, lifting my freeze on my credit report, providing lots of documents like my bank statements.. like they wanted the full bank statement not just deposits and credits and debits portion they wanted an itemized bank report My license oh my tax return a lot of personal information like and Im feeling very uncomfortable right now that I went through this whole process I was even told that I was preapproved and then their final decision they came back and said I was denied because they could not verify my employment. Please tell me how you can not verify employment with all the information that I gave them!!! they basically have my whole data file in their servers now ready to sell to someone else Im sure like this seems like a huge scam and it needs to stop its not OK to do this to people.
06/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 283XX	Web	Servicemember
So on XX/XX/XXXX I submitted to Upstart my identity theft report police report and sent them a valid copy of my ID. On XX/XX/2022, they sent me an email saying they completed their investigation on Loan ID : XXXX which is not the loan I asked them to investigate or file a report on. The results said that it was a valid debt which I am well aware of as that is my actual account with them. The account they were supposed to investigate was Loan ID : XXXX, they sent a follow-up email the next day saying they did investigate but that's not what was said or sent to me. I would also like to state that during a fraud investigation the account is supposed to not be reported on my consumer report during the investigation but it continued to do so. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances.
09/22/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with cash advance	XXXXX	Web
I am writing this mail to notify you that, I received an SMS notifying loan from Upstart and I proceeded with it. I selected XXXX as the loan amount. Further, they asked me to pay 2 % of the loan amount I was receiving which is XXXX. Then, by mistake, I entered my name in the place of the bank name. They told me to pay XXXX to unfreeze the account and remit the money in my bank. Later, they said there is a risk factor and told me to pay an insurance amount of XXXX. I paid for that too. Soon after, they told to me pay the first installment in my wallet to remit the loan amount. I paid XXXX to the wallet again. So, I have paid a total of XXXX. Then again, they asked me to pay the second installment which is XXXX. I felt cheated and suspicious and didnt want to pay money anymore. I have asked for a refund and they said it will be refunded after a month. But I dont trust them. Please do help me get the MONEY I have paid. XXXX was the last hope for me since all the numbers and mail IDs of theirs turn out to be fake too. Since Upstart is accredited with XXXX, do help me get back my money. I am in a serious emergency and have a family to take care of. Please help me with this. I am attaching all the payments I have made to this mail. Please help me out with this.
02/18/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 94555	Web
I was pre qualified the loan on XXXX XXXX. I applied on XX/XX/2021. I was trying to obtain for this loan for money to move and use it as a deposit for a new place. Cheaper cost of living to be exact. Their was a wait for the application. During that time they had me gather documents for the loan ( bank statements, pay stubs ). They also did a soft inquiry. Then they asked for the front image of my last pay check that was already deposited a week before. Lucky the day of expiration of my loan terms I was able to find in the garbage the receipt with the check image. Then they complained about how the pay stub and the receipt was off by one cent. Then later in the evening I was approved for the loan. I accepted the loan. Then three minutes later I was denied because of another hard inquiry from a credit card in which I was approved for. Then I asked then since they would not give me the loan to have the hard inquiry removed from from credit report. They stated they could not do so. They told me to contact the credit bureau in which i did ( XXXX ). XXXX told me to ask the company for a letter of deletion. Upstart would do so. Now I can not get a new loan from other providers and it also will not help getting apartment with is inquiry on my credit report
11/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76549	Web
On XX/XX/20 i called time payment corp and gave them my Account number on my credit file. they gave me a number to their legal department. i called then i gave them my information they acknowledge i filed for bankruptcy. then they gave me another number to call, called numerous times and left a message to get back with me, no one got back with me. prior to that i disputed my case with XXXX more then once uploaded all legal documents. the dates XX/XX/20 XX/XX/20. they sent back false information to XXXX and said my case was accurate as i still owe them the debt. thats not true my bankruptcy is discharged. i disputed bankruptcy petition and discharge and my account is still open. i also disputed with other accounts on my documents upstart, XXXX XXXX and XXXX XXXX XXXX XXXX XX/XX/20. the disputed was for to update to bankruptcy discharge chapter XXXX no results. showed all documents also. file disputes XX/XX/20 to update bankruptcy chapter XXXX discharge with XXXX XXXX and XXXX for the account XXXX XXXX and upstart. i did not contact XXXX XXXX, upstart or XXXX XXXX XXXX XXXX just disputed them no results. by law with legal document my rights are being violated. all accounts should show bankruptcy discharge chapter XXXX with {$0.00} balance. thank you
04/24/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NY 10026	Web
The payment history is not accurately reflected on the online account. There are no paper statements. I've made a payment of XXXX via an ACH transfer originating from my bank account on XX/XX/XXXX. It was received on or about XX/XX/XXXX. It is not showing as received in my online account with Upstart. Upstart is stating that another payment of {$27.00} is due and they don't have to show payment until the full XXXX payment is received. Due date was XX/XX/XXXX. However, I paid what was showing as due.Upstart is now claiming that the {$27.00} is a late payment that accrued since the payment was received after XX/XX/XXXX. However that late payment was not due and owing as of XX/XX/XXXX. SInce there are no statements, I can't demonstrate that what I paid was what was due at the time. They are inaccurately adding a late payment and making it due retroactively. Furthermore, they are stating they will report my account as 30 days late despite my having paid the amount due PRIOR to the expiry of 30 days. The amount paid is inaccurately stated AND the late fee is being inappropriately allocated. The late fee would be due and owing on the next statement. There are no statements for me to demonstrate this error to the credit reporting agencies.
08/30/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NY XXXXX	Web
My regular loan payment was {$410.00} monthly since XX/XX/XXXX when I took out the loan. My monthly payment was reduced this year to {$370.00} after I told Upstart I was going through hardship, and an additional 10 months was added to the life of my loan. The confusion started after I made an extra payment of {$200.00} on XX/XX/XXXX, which was allotted to the XXXX payment, making XX/XX/XXXX balance {$170.00}. I paid {$170.00} on XX/XX/XXXX and made an additional payment of {$50.00} later that day, which added up to {$290.00}. The interest on XX/XX/XXXX was {$97.00}. The screenshot I took on XX/XX/XXXX before the payment was made said my balance was {$10000.00}. I expect after the interest of {$97.00} is deducted from the {$290.00} payment, the difference of {$130.00} should make my principal balance {$10000.00}. When my account was updated, my balance was {$10000.00} instead of {$10000.00}. Only {$50.00} was deducted from my payment and not {$130.00}. The next day {$12.00} interest was added to the balance of {$10000.00}, making it {$10000.00}. Getting an explanation has been time-consuming. I have been emailing and calling about the calculations but to be put on hold, get disconnected, or being told the calculation is correct.
06/19/2023	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	MD 20746	Web	Servicemember
Over the years, I have been a victim of identity more recently I found out on XXXX my personal information had been stolen and used in a fraudulently workers comp case. After this my bank account were hacked and money stolen. Debt collector bought my debt the pursued aggressively. They contacted debts and had some of my accounts closed after being late less than 30 days once XXXX XXXX XXXX XXXX XXXX XXXX The other two accounts I was late once less than 30 days because of a finical hardship. Which I contacted the two companies XXXX and Upstart told them and asked for payment plan - they both denied and started a collection and gave unrealistic payment options, that I could not pay. In XX/XX/XXXX, I refinanced my house to pay those two collections I provided all three credit agency copies of court dismissal because I paid after speaking to the companies which told me to go to each other and the collection agencies for help. It was suppose to be deleted in the status is reported wrong. " It states written or charged off for the full amount '' even though it was not written off and I paid in full nor will they delete or change that status. I have ZERO balance but they refuse to change the status from written off for full amount.
03/16/2023	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	FL 33610	Web
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUPSTART NETWORK, INC XXXX XXXX XXXX XXXX XXXX XXXX To my knowledge , I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.
02/26/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	TX 76549	Web	Servicemember
I applied for a loan with Upstart, the request was not approved. It was required to create an account with Upstart to submit the application and since I was not getting a loan with Upstart I no longer needed an account with them. Upon my request to delete / close my account, I was told that my account was not able to be deleted at the time of my request to do so. I then asked when will I be able to delete / close my account, was then told that federal regulations prohibit Upstart from deleting / closing my account. I asked what federal regulation it is that prohibits the closure and was given their privacy policy instead. I asked again for the federal regulation they were abiding by and was then told that I already received a response to my inquiry and that Upstart considered the matter resolved and that there we be no further communication concerning my inquiry. I then called to ask what federal regulation they were following that prohibited them from deleting / closing my account and was told they aren't allowed to divulge thier practices. If there is a federal regulation that prohibits the deletion of my account, fine but if there is not, is it legal to maintain an account on someone against consent?
08/02/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	DC 20003	Web
Upstart has violated the Fair Credit Reporting Act in that they have performed a hard credit pull in violation of 615 ( a ) - 15 U.S.C. 1681m, et. seq., and that the Hard Pull was based upon 619 - 15 U.S.C. 1681q. On, XX/XX/2021, I received an email ( after I applied to online solicitation through XXXX XXXX ) from Upstart, congratulating me for their apporval of my online loan request. That email was ambiguous as it informed me that they will perform a hard credit pull which will affect my credit report, However, what the email did not do was inform me as to what the " Disqualifying events '' were, and had it done so, I would not have went into their portal and logged in for them to turn around and deny an application that they initially said was approved. A 'Disqualifying event ' ; if, not disclosed, can mean anything. Further, if a loan was 'approved ' then the application was approved. On, XX/XX/2021, I complied with Upstart 's request for me perform the " next step '', which was to log-in. Two days later, on XX/XX/2021, Upstart sent me an email, informing me that they did not accept my loan application, which was untruthful, given that on XX/XX/XXXX, they informed me that my loan was approved.
09/07/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem when making payments	TX 75088	Web
On XXXX XXXX, via recurring scheduled transactions through my credit union 's online bill pay service, a check for {$210.00} was sent to Upstart utilizing the information known to me at the time ( which is the same information used for the last 2 years on the loan ). On XXXX XXXX, I received a payment reminder for this loan. This was not unusual. On XXXX XXXX, I received notification that Upstart had not received the payment. Upon further investigation, the payment information was changed without notification by Upstart, causing the original check issued by my credit union 's bill pay service to be lost. I received no letters or emails indicating a servicing change. Repeated phone calls amounted to " It doesn't matter. Get us the check, or we'll start charging late fees and report it to the credit bureau. '' The email they sent me tells me that they do not have to give me notice of address change. At this time, Upstart is threatening late charges as a result of this and refusing to work with me to correct the situation. Upstart has violated section 13 of their promissory note : Upstart will also give me notice if I pay by check and the transfer changes the address to which I must make payments.
08/14/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	CA 90024	Web
I was pre-qualified for a {$50000.00} loan via XXXX XXXX at 14 % APR. I applied and submitted all required documents. Where it asked for my university diploma there was a box for I dont have this. I selected that. The next day Upstart contacts me to tell me they got my application but I needed to submit a better pay stub and add my W2. During this conversation the employee casually mentions my 21 % APR and {$3600.00} origination fee and asks if I have any questions. I said yes ; that the APR was supposed to be 14 % and origination about {$1200.00} lower. He responds that this is because I didnt include a picture of my diploma. I expressed my displeasure with that and he told me I could provide an online transcript and he would note on the account to reconsider loan at original terms after this was received. Fine. I submitted my new paystub and W2 and school transcripts as this miserable company required to get the original 14 % terms and 2 days later, they just emailed to tell me that I need to give them copies of canceled checks and by the way, THE LOAN IS NOW 28 % APR. Their SOP is obviously to bait and switch and pressure borrowers into accepting absurd terms.
07/19/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OK 73071	Web
I have a personal loan with upstart.com. I paid all of my monthly payments on time except for this situation. At the end of XXXX, I sent an email that the agency I work for had a payroll issue that deleted me from the system. I did not get a paycheck for 30 days. Meaning I did not get paid until XXXX. This means I was not able to pay any of my bills during that time. I reported this to everyone I make payments to Upstart would send me emails saying they did not recognize my email. Then they sent my info to collections and said a third party is handling it. I then set up for payment to be made in XXXX and it said the payment had to be made before they would take it out of collections. Now today XX/XX/2023 after they said it was sent to collections last month they have reported me as two months late. They dropped my credit score by XXXX points. Which has placed me in poor credit status. They also dropped my credit score by XXXX plus points when they sent it to collections. So now they have dropped my score XXXX points. I reported to them my issue and they did not reach out once to try and work with me on this issue. Not one time. This is wrong and needs to be addressed.
10/17/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX 787XX	Web
I had a past due loan that was set to be sold on XX/XX/2023. I paid the total remaining balance on XX/XX/2023. My Upstart account shows fully paid off and the payment was 100 % cleared on XX/XX/2023. Upstart then sold the debt on XX/XX/2023 after they already received the payment in full. On XX/XX/2023, I received a phone call from XXXX XXXX stating that I owe them {$13000.00}, which is the amount that I paid to Upstart to pay off the loan. For more than three weeks I have been in communication with Upstart and XXXX, and they both do not have answers. Upstart told me the loan should not have been sold, it was then sold. Upstart told me they are going to recall the loan, it was not recalled. Due to this, they inaccurately reported my account as past due and sold off, when in fact I paid them in full before the sell-off date and I confirmed with my bank that the payment cleared before the sell-off date. I am still receiving calls from XXXX telling me I owe them the {$13000.00} that I paid to Upstart, again before it was set to be sold to XXXX Upstart refuses to confirm that they received the payment in full. This is negatively impacting my credit and mental health.
09/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 936XX	Web
On XX/XX/2020 I went under covid-19 hardship assistance program and company sent email of policy under program. The program stated that 2 months skipped would be granted and I will resume where I left off when I started hardship assistance on XX/XX/2020. I was 9 days past due when I went under program and on XX/XX/2020 I would resume at 9days past due, on XX/XX/2020 company reported on my credit report 30days past due, I made payment on XXXX XXXX which would make XX/XX/2020 payment 15days past due, I called reps at company and I was told different explanations at different times. Per policy I accepted I am not considered 30days past due I have paid loan in full and have reached out multiple times for correction, Upstart loans had reported on XX/XX/2020 30days past due as well and had corrected it becasue I was under hardship program I was told not to worry about it happening again which it did. My desired resolution is to have negative reporting removed and an investigation into other customers that might be facing the same unethical reporting, I only accepted hardship assistance because of reassurance under there written email I received from them.
06/17/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	FL 32218	Web
XX/XX/XXXX DMV suspended my drivers license for not having auto insurance on a vehicle that is not mine. My husband and I had this auto loan first with XXXX XXXX XXXX XXXX. My husband had that same car refinanced with Upstart Loans as the only owner. No co signer or a joint loan. Upstart paid XXXX XXXX XXXX XXXX on XX/XX/XXXX which reflects on my credit report. I have my own vehicle financed with my own finance company, and the loan is in my name only. I have full auto insurance for my vehicle, therefore my license should not be listed with the DMV by this company with my name. When the car was approve and refinanced by Upstart Loans, they should have updated the title with the owner of that loan. It appears Upstart falsified my name on this tag and tittle, due to the fact, I do not have a loan with them, and they do not have any correspondence showing a application, or my signature for his vehicle. This loan is not on my credit report, but listed on my husbands due to he is the owner. I was told by Upstart today, that this will take up to 2-3 weeks, therefore my drivers license is suspended on a vehicle I do not own. This is NOT LEGAL!
02/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10002	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. Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : Upstart Network # XXXX, Account name : Upstart Network # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
02/23/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MS 395XX	Web
From start of loan, my first payment I tried to make I could not get my bank account to link with their website. When I called in to make a payment I was told my debit card was not active in their system so I could not make a payment with my debit card. a week or so later i call and try to pay again now that I have a late charge. And then, that day my debit card was active in their system and I was able to make a payment. Next months payment was the same thing and month after. I Literally was only ALLOWED by upstart to pay with my debit card over the phone until AFTER I incurred a late charge. They had the ability to go into the system and turn the use of my debit card on and off but would not allow me to pay on time or early causing me to incur later charges and the worst part hits on my credit report each time. I have not been able to purchase a home due to these marks on my report when I clearly tried to pay on time every month but was denied the right to use my debit card until it was past 30 days late. This is appalling and down right criminal. My lifes progress and stability has been hindered by the pure greediness of this company.
12/11/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	FL 32092	Web
I applied for an online loan with upstart.com on Wednesday, XX/XX/XXXX. The process was fast and easy. They offer several different methods of verifying an applicant 's bank account to complete the process ( to deposit the funds, withdraw the periodic payments, etc. ) The method they recommended and which I used was to log onto my checking account at XXXX directly through their application process ( presumably using a web services integration. ) The application was approved and my loan was funded promptly. Today I discovered that since that application was processed and I logged into my XXXX account through their application, my XXXX checking account has been successfully hacked ( i.e., it has een accessed using my credentials but without my permission, and not by me or anyone I have authorized ) at least seven times since the application was processed. XXXX Fraud Department took note of the activity. It appears that upstart.com, and/or their partners in this enterprise, XXXX XXXX XXXX in New Jersey, and/or someone at XXXX, the XXXX that upstart uses for their web processing, has been repeatedly trying to hack into my checking account.
04/05/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL XXXXX	Web
XXXX notified me of its credit bureau data breach where an unauthorized user accessed the names, addresses, social security numbers, date of birth and other personally identifiable information of XXXX XXXX XXXX customers stored on the XXXX server. As a XXXX client for over 10+ years, I was directly affected by this breach and had to file a FTC ID Theft report. After reviewing my XXXX credit report, I noticed an unauthorized loan from Upstart Network , Inc . I do not recall making such a loan transaction or authorizing a loan application to be executed in my name during the questionable period. UpStart Network previously removed the disputed account from my XXXX credit report, only to have the trade line reinserted back into my credit report in violation of the FCRA. Further, UpStart Network has not provided me with any valid documentation to verify the applicant source or copies of the executed loan documents. This unverifiable information continues to report on my XXXX credit report in violation of the FCRA even after the XXXX data breach and my filing of the FTC ID Theft report highlighting my victimization from the data breach.
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	PA 190XX	Web
UPSTART is reporting a late payment on my credit profile. However, they made an accommodation by waiving the late fee therefore the account needs to report to the credit bureau as paid on time. The account is current. The CARES ACT states : " If your loan is considered delinquent ( past due ) when you make an agreement with your creditor, your status will continue to show as delinquent until you bring the account back into good standing. Once you bring the account current, the creditor must report your status as current to the credit bureaus. According to the new law, an " accommodation '' could be an agreement to make partial payment, to put a loan in forbearance, to modify a loan or to offer any other relief. '' The relief was offered once UPSTART waived my late fee on XX/XX/2022 around XXXX PM. In addition, my UPSTART portal shows the account as being late but not reported late to the credit bureaus. This is false, the account was in fact reported late. Attached are photos from my loan portal and XXXX. This is a direct violation of the CARES ACT and takes advantage of consumers ' rights during these tought economic conditions.
08/12/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	TX 765XX	Web
Upstart Network is has shared my private information to a third party. I never gave written consent for Upstart Network INC. to sell my Private information. 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b -Permissible Purpose 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENITITY THEFT.
07/03/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	GA 30252	Web
On XX/XX/XXXX, Upstart used my credit card without my authorization. Under 15 USC 1602 ( l ), a credit card is " any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' When I applied for a personal loan with upstart, I gave them my credit card information so they could use my preexisting credit and equity to finance an extension of credit, and I was denied. This is a clear unauthorized use of my credit card and an act of fraud. Under 15 USC 1602 ( p ), " unauthorized use '' is use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. I received no benefit for the usage of my credit card information in Upstarts application for personal credit. Under the Emergency Banking Relief Act of 1933, the people in the Nation are the creditors to every dollar in circulation. Therefore, there is no excuse for a denial of credit as a XXXX citizen and consumer. I am exercising my right to credit and asking for the denial to be reversed.
09/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 11418	Web
There has been incorrect information submitted to the credit bureaus for my loan which has resulted in a detrimental XXXX point drop. Here is a time outline of actions on my loan account since XX/XX/2020 : XX/XX/2020 - Submitted Hardship Assistance Forms online - I have the have e-mail confirmation XX/XX/2020 - Received e-mail approving hardship request indicating the plan " allows you to skip next 2 monthly payments ( XXXX and XXXX ) XX/XX/2020 - Received e-mail that my second hardship assistance request was accepted ( XXXX and XXXX ) XX/XX/2020 - Received e-mail indicating that next payment due date is XX/XX/2020 XX/XX/2020 - payment withdrawn. XXXX XXXX has reported to the credit bureau that I am XXXX months behind on payments when in fact, I had been allowed to skip those months under the COVID19 hardship program bank had in place. Furthermore, my checking account information has remained in my loan profile for payments to be automatically withdrawn on the due dates. I have never deleted my bank information for payment. If a payment was indeed due, XXXX XXXX XXXX should have and could have withdrawn automatically.
07/05/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	OK 746XX	Web	Older American
On or about XX/XX/2023 Upstart sent me a offer for a new loan, then said use a different email, then said many other conflicting details. Eventually they denied this loan saying they could not identify me. I have a loan taken XXXX. I have never paid late, Upstart says I have paid XXXX of principal towards the XXXX original loan in 16 payments. yet they turn around and claim I owe XXXX, more than even the amount they have said I have paid towards the principal. Furthermore the total of my payments has been XXXX, the rate far exceeds the 35 % allowable interest rate for Oklahoma. When I contacted them on XX/XX/2023 they refused to respond. On XX/XX/2023 they responded via email saying they take my concerns seriously but OFFERED no resolution or even a hint of compromise or explanation. Compounding the problem, Upstart, after offering a second loan has sent some company they say they work with named Am One who hounds me to death about loans via calls and emails. I never asked for, nor authorized Upstart to have these people contact me ad nauseam. As of this date no resolve, or any actual viable response has come from Upstart.
10/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 17257	Web
The payments that are being reported on my credit profile violate my consumer rights under FCRA consumer law 15 USC 166B. As a long-time customer that has had an exceptional payment history with Upstart, I am appalled that they will violate my consumer rights in such a Manner that is detrimental to me achieving a good credit profile which affects my approval chances for other accounts. After speaking with XXXX in customer service they were not helpful and didn't listen to me as a long-time customer. They advised there was nothing they could do, although they even though there was an agreement made through XX/XX/XXXX, they're in breach of the agreement and cause a negative reflection on my credit file. I'm well aware my consumer rights and they have had been violated. I can not believe a company of this magnitude. Doesn't honor their commitment and doesn't care about customer 's consumer rights. Upstart is tarnishing my name and credit profile by reporting this account as late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA.
10/28/2019	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 33308	Web
on XX/XX/2018, I was giving an offer for a credit loan from Upstart through XXXX XXXX in 2018 and it clearly stated this offer will not effect my credit and the inquiry will be a SOFT inquiry. The process took less than an hour and I was approved with the money in my account. Recently I ran my credit to find out the Upstart inquiry was not a SOFT but rather a HARD inquiry and it showed on multiple credit agencies. On XX/XX/XXXX I contacted Upstart regarding this issue and in fact they confirmed that the offer was made with SOFT inquiry however when it came time to finalize the loan they did a HARD inquiry. I asked the question why was I not told about the changes prior and the representative said : it was written on line # 13 of the disclosure statement. Since most of not all consumer do not read every single line of the disclosure and only look the apparent concerns like the payments, interest rate, amount of payments, it makes this business practice very misleading. It would have been more transparent from Upstart to disclose the HARD inquiry procedure the same way they disclosed the SOFT inquiry from the get go.
05/03/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 95630	Web
I applied for a loan 2 months ago. I was approved but when I went to sign the papers, they incorrectly said there was information on my credit report causing a problem. I submitted a up to date credit report showing them their error. I was told AGAIN that I was approved and the approval documents were on the way. That was TWO MONTHS AGO. Every time I call customer service it takes several minutes while they review the notes on my account of which there are many due to the multiple calls XXXX dates listed below ). They then state they need to discuss the matter with a credit analyst. I am then on hold for an extended period until they return and always state a computer glitch is delaying the documents and they will fix it immediately. I have spent many hours on the phone and always get this answer. I called XX/XX/XXXX, XXXX ( twice XXXX, XXXX, XXXX, XXXX ( twice ), XXXX, XX/XX/XXXX, XXXX ( twice XXXX, XXXX, XXXX, and XXXX with each call lasting around 15 minutes .... longer if I asked to speak to a supervisor. I am told every time that the loan is approved and the documents to sign will be sent shortly.
09/24/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NC 27713	Web
I have made 8 payments of {$280.00} to a loan with a principal balance of {$9400.00}. Of these 8 payments only {$560.00} has been applied to the principal. My interest rate is 27 %. Nowhere in the promissory note does it state that they would be heavily front loading interest payments. I have paid a total of {$2200.00} and 75 % of this amount has gone to interest on an account where my interest rate is 27 %. I have never been late and have never missed a payment. I called the company and they could not explain this to me. I also asked for a call back from a manager and they never called me back. I have screen shots showing how much of each of my payments has been applied to both interest and principal. This is easily predator lending at best. My last payment on XX/XX/21, the full {$280.00} was applied to interest and they could not explain to me why! Nowhere in their promissory note does it state that interest would be front loaded in the beginning and then taper off. Im not even sure that is whats happening since I never received a proper explanation or call back from management. Please help.
07/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90277	Web
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as wildland that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX Credit Bureau the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive response, I will have no choice but to exercise my right and pursue legal XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX UPSTART XXXX XXXX XXXX
12/23/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	UT 84040	Web	Servicemember
I took out a loan from XXXX to pay off a high interest loan at XXXX. XXXX XXXX was supposed to send a check for {$8000.00} to Upgrade to pay off the loan. They sent it to Upstart in error. Upstart cashed the check on XXXX XXXX Check # XXXX the check was mailed to Upstart operations department po box XXXX XXXX XXXX California XXXX. I have spoken with XXXX XXXX and they admit to sending the check to the wrong bank but said since the other bank cashed the check there is nothing they can do. I have spoken to Upstart they said that since I do not now or have not ever had an account with them they can not do anything either. Both institutions have told me I need to speak to the other to get the issue taken care of. They have both also said I am out of luck there is no way to get the money back. Now I have to pay both the high interest loan and the one through XXXX XXXX. Someone at Upstart has pocketed the {$8000.00}. There has to be something that can be done to reverse the funds or find out where the money went so I am not stuck paying for the error made by two separate financial institutions.
10/05/2022	No	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	TX 754XX	Web
I sold the vehicle to XXXX of XXXX on XXXX first, the payoff check to Upstart ( the lender ) cleared XX/XX/2022. I received an email from Upstart stating the loan was paid off. It is now XX/XX/2022 and they STILL are not sending the title or a release of lien to myself or XXXX of XXXX so they can pay me what they owe me and sell the truck they paid for in XXXX. XX/XX/XXXX - check cleared Both myself and XXXX XXXX started calling end of XXXX to see where the title was. Upstart lending has not once called us back or followed up. They kept saying we needed to be patient and stop bothering them. Then they said they had 8 weeks and the hard deadline for getting it to us was XX/XX/XXXX. Still nothing. I called XX/XX/XXXX and spoke AGAIN to XXXX at Upstart and he said he was sorry for my frustration but i needed to be patient. I FINALLY got the number for XXXX XXXX, XXXX said they process the titles for them. I called XXXX XXXX XXXX. XXXX has been instructed by Upstart to not talk to their clients. XX/XX/2022 - STILL no title or release of lien OR indication of when it will be coming
04/11/2023	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 Their investigation did not fix an error on your report	CT 06095	Web
On XX/XX/XXXX I reached out to Upstart Loan Operations about a 30 days late payment report on my XXXX credit report. They told me and also sent me an email stating that they will investigate the issue and provide accurate report to the credit bureau. It has been over days now, my XXXX credit report shows 30 days late in XX/XX/XXXX. On XX/XX/XXXX, I reached out again to Upstart about the same issue. They stated that they would look into the issue. They sent me an email stating same. Today, XXXX, I got a notification on my XXXX credit report that I had a 30 days late in XX/XX/XXXX. Upstart is not willing to fix the issue an now whenever I call they transfer me to one person to another and tell me they would look into the issue. From XXXX XXXX till date, it has been over 30 days and the issue has not been fixed. Back story, In XX/XX/XXXX, I requested a hardship assistance which I was informed that they would report to the credit bureau if approved that the loan is modified which was fine with me and they told me my account will be reported as Current to all 3 credit bureaus.
07/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78258	Web
Upstart Networks , Inc. is violating FCRA regulations by reporting fraudulent information on my credit. As per their request, I have sent them police reports, court documents & FTC affidavits documenting bona-fide ID Theft/ Fraud however they have failed to remove my account as other creditors involved have already done which has lowered my credit score by over XXXX points. Upstart Network , Inc. can not provide proper validation that is required by federal and Texas state law in order to credit report. They can not provide me with any original credit application or signed loan contract with my original signature displaying that I borrowed money or applied to borrow from them which is a strict violation of FCRA. All they can provide is online documentation with a computer generated signature -- nothing that connects the debt to me legally by original signature as strictly required by Texas Finance code. As per federal and state law credit reporting agencies must remove any information from a consumer credit report that can not be properly validated OR IS DEEMED FRAUDULENT.
08/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA XXXXX	Web
I got a loan with UpStart, it was for 3 years. I paid regularly and paid the loan off 2 years earlier at the end of XXXX. They reported in XXXX as required by law to all 3 bureaus, so I missed the cut off. So XX/XX/XXXX comes around and it's still not reported to the credit bureaus. At that time, I submitted a dispute to all 3 credit bureas after the land was paid off. All three came back, saying that the loan amount listed was valid. I've now called Upstart 6 times, speaking to a supervisor three times. On my last interaction, he could said that they didn't report it as required by law on XX/XX/XXXX. So as of XX/XX/XXXX, nothing was reported to any of my credit bureas. Bascially, no explanation why. I've reached out to my attorney regarding this and I have rights as a consumer and they have broken the law. The reason I was trying to get this resolved was I was applying for a mortgage and this still showed up on my credit report. I was denied the mortgage after of weeks of trying to get this resolved. Now, I want to sue for fraud, breaking the law, and damages.
12/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92069	Web
Write-In accordance with the fair credit reporting acts the account below has violated my federally protected consumer rights privacy and confidentiality. Under 15 usc1681 XXXX XXXX Account number XXXX Opened- XX/XX/XXXX Upstart Network INC/XXXX Account number XXXX Opened-May XXXX, XXXX XXXX XXXX Account number-XXXX Opened- XX/XX/XXXX XXXX XXXX Account number- XXXX opened- XX/XX/XXXX 15usc 1581 section 602a states I have the write to privacy. 15usc 1681 sec 604a section2 it also states a consumer reporting agency can not furnish my account without my written instructions. 15usc 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following Items of information and other adverse items of informations other records of connecting of crimes which indicates the reports of more than 7 years. 15usc 1681 s-2 ( a ) ( 1 ) a person shall not furnish information related to a consumer to any consumer reporting agency of the person knows or have responsible cause to believe that information is inaccurate.
06/12/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	MI 48207	Web
Upstart and XXXX XXXX have a paid arrangement, where XXXX XXXX will display rates and amounts for personal loans from Upstart, based on your credit score, and with calculated odds of approval. I am trying to consolidate debt, and XXXX XXXX shows 'Outstanding " approval odds for a $ XXXX XXXXl loan at XXXX % APR, based on my XXXX XXXX. This loan would come from Upstart. When I click through to accept the loan and finalize the process, it takes me to the Upstart website. Upstart then reports that I am only approved for up to XXXX ... annoying, but understandable. However, the XXXX has now jumped to XXXX %! This is higher than the interest rate on the credit card debt I am trying to consolidate. This is wildly misleading, and could cause less-informed consumers to inadvertently accept a loan with a much higher interest rate than was advertised. XXXX XXXX has my credit score, and the rates they are getting from Upstart should be taking this into account. Instead, they're bulling a bait-and-switch with interest rates inflated by XXXX % or more.
06/22/2021	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	KS 674XX	Web
On XXXX XXXX, 2021 I mailed a letter to the company disputing this account. I gave them 30 days and checked my credit report and no dispute comment had been added. On XXXX XXXX, 2021 I sent a second letter to the company about the dispute. I never received a reply, and once again after 30 days a dispute comment was not added on my credit report. On XX/XX/2021 I sent letters to XXXX XXXX, and XXXX regarding this dispute. I did not receive any replies and once again after 30 days the account did not have a dispute comment added. On XX/XX/2021 I sent a second letter to the 3 credit bureaus regarding the dispute. Once again, after 30 days, no dispute comment was added to my credit reports. The company has violated the Fair Credit Reporting Act, section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Act Section 807 ( 8 ) by not placing a " notice of dispute '' disclosure on my credit reports within the required 30-day period. This company also never provided me with copies of any documentation bearing my written signature in response to my dispute.
08/10/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 90621	Web
This a consumer complaint being submitted by XXXX XXXX for the notice of adverse action provided to the claimant on XX/XX/2023 by Upstart Network in regards to a {$50000.00} personal loan finance application. The financial lending company Upstart is in violation of CFR 1002 of the Equal Credit Opportunity Act by denying the consumer 's rights when the consumer has clearly shown creditworthiness as an applicant with a valid social security number. Consumer should not have been denied any extension of his own credit when the consumer has shown his creditworthiness, evidenced by his ability to contract on this finance application ; CFR 1002.1 ( b ). All the proper fields were submitted to make this a valid application under CFR 1002.6. There should be no reason for the denial on this application for being " incomplete, '' unless it was done so on a discriminatory basis. Any factors other than the creditworthiness of the applicant that contributed to the notice of adverse action are not valid reasons for the denial of this finance charge.
05/24/2023	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	MN XXXXX	Web
Upstart received insurance money = no loss, injury or harm for the company. UPSTART has 21 days to remove their information off my Credit Report or they will be receiving a {$300000.00} TORT CLAIM per month for multiple 18 USC 242 Violations, THEFT OF MY PERSON = IDENITY THEFT/PERSONAGE, Administrating Property Without Right, Consent or Contract and for causing I, man Loss, Injury and Harm. XXXX XXXX XXXX is factually a DEAD ENTITY/LEGAL FICTION .... I, man, XXXX XXXX XXXX XXXX XXXX am a living man... you can not cause a man or woman harm without compensation. UPSTART lost {$0.00}. They got paid, now they need to get the XXXX out of my life or they will be forced to compensate me monthly for stealing my TRADE NAME/TRADE MARK. Who is the man or woman from UPSTART claiming I owe them money? WHO? If no one, get the XXXX out of my life and off my credit report!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
06/15/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	TX 760XX	Web	Older American
I submitted an application in XX/XX/2023 for refinance information to upstart/XXXX Their refinance interest rates and payments were higher then my current lender. So I decided to stay with my current lender. Now I come to find out that upstart/XXXX paid off my current loan in XX/XX/2023, WITHOUT my authorization. Five months after the fact. XXXX states paperwork was signed electronically, which I have NO knowledge of. Im XXXX years old and hate computers, I basically use them for email due to not being able to use a phone due to XXXX XXXX XXXX Also the State of Texas DOES NOT accept electronic signatures. When I requested a copy of the LIMITED POWER OF ATTORNEY, the signature is not even close to my signature, someone at their company must of signed my name because its not in NO WAY close to my signature. I would never have agreed to their terms of a higher interest rate and payment. They are running a SCAM! NOW they are threatening REPO. Causing undo stress, this vehicle is used to transport a XXXX person for medical care
07/07/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	LA 701XX	Web
On XX/XX/XXXX, I applied for a {$5000.00} personal loan for household purposes through UpStart as I had received a loan from them back in XXXX and had paid it off. I received an adverse action notice in the dashboard stating that information on my credit report was the reason for my denial even though it stated that I had a credit score of XXXX and a XXXX XXXX XXXXXXXX through XXXX. As a consumer, defined under 15 USC 1602 ( i ), the adjective " consumer '' used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. And since this loan was requested for household purposes, the denial was unwarranted and a violation of my consumer rights to not have my credit report used against me. Seeing as this is not the first time my application was denied for {$1000.00} back on XX/XX/XXXXXXXX XXXX XXXX
08/26/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	PA 19320	Web	Servicemember
I applied for a loan online through Upstart ( located in California ) ( financed through XXXX XXXX XXXX, XXXX, NJ ) on Sunday, XX/XX/19 and it was approved and the funds were already in my account within 2 business days on Tuesday XX/XX/19 totaling {$44000.00}. I decided I did not want to proceed with the loan and on the same day on XX/XX/19 I received the funds and I sent back the payment in full of {$44000.00}. I contacted Upstart and let them know I wanted to cancel the loan and had sent back the payment in full, and was told I had to pay them an additional {$4000.00} on top of the money I received for my account to be considered " paid in full '' for the " financing fee '', although this all occurred within a 2 business day period. The did not apply the total money to the loan balance and the " finance fee '' continues to grow daily at a rate of 25 %. Loan # is XXXX. I would like the account closed, considered " paid in full '' or " cancelled '' and removed from my credit report. This is a extremely predatory practice.
06/07/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AL 35055	Web
I made my XX/XX/2021 payment in XXXX of 2021. The company says that because I did not make my payment " closer '' to the due date, that the funds meant for my XX/XX/2021 payment was posted to principal and they are refusing to post the funds to satisfy my XX/XX/2021 payment. After complaining to the CFPB prior, and after trying to get satisfaction from Upstart Servicing, they told me today that " my request has been addressed and they consider the matter closed ''. Excuse me? No, it is not closed, not until they post my XX/XX/2021 payment correctly. In fact, my goal was to make as many payments this summer as possible and pay this loan off when I get my bonus at the end of the year. But, Upstart has decided to ignore their consumer. I have no intention of making a XXXX XX/XX/2021 payment. Also, Upstart needs to ensure that there will be NO LATE CHARGES assessed or negative reporting the credit bureaus. I am demanding that my payment be posted to my loan exactly how it should be posted, to satisfy my XX/XX/2021 payment.
08/10/2021	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	NC 28215	Web
In accordance with 15 U.S.C 1681i, I am contesting the accuracy of the alleged late payment history. Under Section 3, I am requesting that this information be removed from my credit history. On the XXXX of XXXX, I wrote a letter to the debtor requested the reinvestigation of the validation of the negative marks that are appearing on my credit report. This alleged debtor has failed to validate the alleged misinformation and I am seeking self remedy to get this matter resolved. In accordance with 15 U.S. Code 1692d, this company is in violation of engaging in the conduct the natural consequence of which is to harass, oppress, and abuse in connection with the collection of a alleged debt. This company has repeatedly attempted to collect on an erroneous debt has has threatened, the my reputation. Under 15 U.S. Code 1681c1, this alleged debtor has continued to furnish my consumer information and use my identity without my written consent and I would like for this information to be removed from my credit report immediately.
06/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 43201	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 XXXXXXXX, Upstart : # XXXX, Upstart : # XXXX, Upgrade : # XXXX, XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
03/22/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	CA 92592	Web
I have attempted to dispute an erroneous loan account through XXXX, XXXX, and XXXX. All three credit bureaus have closed my dispute with no resolution and the incorrect information remains on my account. I paid off a loan in XX/XX/2023 in the amount of {$680.00}, the loan company ( Upstart ) insists they sent the documentation that the loan was paid off on XX/XX/2023. Upstart is showing the loan as paid off, but the three credit bureaus are not reflecting the accurate information. This may be an issue with Upstart as well. I would like this account completely removed from my credit report as this has been a terrible issue that is still impacting my credit. In addition, I have one late payment with this company, while I understand this was an issue on my part, I did submit applications for hardship assistance which were denied due to being too close to the payoff of the loan. I believe that this is an issue that could have been resolved had I received some sort of payment arrangement with the company.
05/25/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	OH 44039	Web
After I paid off the loan, I noticed they had not reported it to the 3 credit reporting agencies within 45 days ( supposed to report every 30 days ) That has since been reported to 2 of 3 agencies and I am working with the 3rd. However, my main complaint is that when I emailed them to inquire about reporting status mentioned above, one of their employees was searching my home address and personal information. I know this because somehow they emailed me back a link to the XXXX search they performed, which included a XXXX XXXX search of my address. When I asked for an explanation for this, I was told 3 different times the issue had been " elevated to the appropriate department ''. I never received a response. I found this scary and extremely unprofessional to say the least. In fact, I feel I have grounds to seek compensation.. They never even apologized or gave any explanation whatsoever.. To be fair I never had issues with them during the course of the loan, it all occurred after I paid it off early.
02/13/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	CT 06610	Web	Older American
Back in XXXX, I was having a difficult time making payments due to being out of work. I contacted Upstart for a deferred payment which they granted by making my payments smaller, in XXXX and XXXX. Because I was still trying to catch up from not working, I made two payments in XXXX for XXXX, one in the amount of {$100.00} on XX/XX/2022 and one on the XXXX for {$70.00}. In XXXX, they charged my account extra fees billing me from XXXX XXXX, however they never applied my XXXX payment which I paid in late XXXX as listed above. I have since then made my payment for XXXX, still being due for XXXX and XXXX, however even though I sent them a copy of my bank statement showing them I made XXXX payment in late XXXX, they still have not credited my account and begin showing me 95 days late as of XXXX, even though I made XXXX payments, which they still have not credited, not do they seem to show any receipt of my payment on their end, despite my sending them a copy of my bank statement showing I made the payment.
05/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	XXXXX	Web
My Upstart Loan # XXXX was paid off in full in XX/XX/XXXX. By XX/XX/XXXX I noticed the account still showed as active in my credit report and with a balance of ~ {$630.00}. I emailed XXXX with my concern. They said it may take 7 days from the final payment for the account to be reported closed to credit bureaus but it had already been 3 months since the final payment and this account still showed up as active in credit reports. Yesterday, XX/XX/XXXX I noticed the account is still open and showing a balance owed of {$630.00} so I contacted Upstart again. They are saying the account was reported closed, but it continues to show on my credit reports. It has been 11 months since the final payment, and I find it completely unacceptable that the account still shows up as open and with a balance on my credit report. Upstart needs to do more to be proactive and resolve an issue like this, but in our communications has been dismissive, so I am filing this complaint. Email correspondence attached.
05/13/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	GA 30038	Web
I applied for a loan with upstart through XXXX XXXX advertisement on XXXX XXXX. This was a backed by XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. This advertisement is for people with credit challenges and pre qualify them for the amount to apply. I passed the pre qualification check and recommended amount was {$4600.00} which was to be used for bill consolidation. I provided all of the requested documents. After waiting and waiting, I phone upstart and they replied back telling me they could not verify information on the application. Everything on application is true and I phone many consumers and no one had called to verify anything about my accounts on application. When i asked what could not be verified, they replied on XX/XX/2021 stating they can not disclose any specific details about the inconsistencies as that is proprietary information. XXXX XXXX XXXX was the name attached to email. I notice the action was taken because of 2 major differences in credit scores in my opinion.
02/08/2018	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	CA 92139	Web
On XX/XX/XXXX Upstart Network Inc made a HARD credit inquiry without my knowledge or authorization. Their website offers consumers an option to see the available loan options without impacting their credit score. See attached photo of their website. On XX/XX/XXXX I requested my free credit report from XXXX and found Upstart Network Inc obtained my credit file on XX/XX/XXXX. This inquiry is shown under " regular Inquiries '' that will remain on my credit profile for 2 yrs. See copy of credit report inquiry attached. I called Upstart and spoke with a representative who would only identify himself as " XXXX ''. He assured me that Upstart does not make " hard inquiries '' and instructed me to verify the information with the credit agency as there is nothing he could do to assist me. Upstart has clearly violated FCRA by obtaining my credit report. Their online marketing practice is deceptive, unfair and has negatively impacted my credit score and ability to obtain fair credit rates.
07/20/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	WA 98682	Web
I recently switched banks, but was unable to swap all my payments over in time. When I realized I was late, I scheduled a new payment to replace the one missed. However apparently their app set it for a further date in the future because I set it up as an autopay rather than a one time so I didn't miss future payments. When I realized this, I went back and paid the past due account within the grace period for reporting, but apparently not for fees, which was not clarified or charged when I paid my balance for some reason. Sometime after, this company charged me a late fee, then reported that late fee as more than 30 days late owed balance ( they set the due date of the fee back to the original missed payment date, not when the fee was charged to ding my credit ). Not only is their communication around the fees abusive, their app and lack of communication and notifications around a missing fee, does not constitute a missed " balance '' to be reported against credit reporting.
01/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 190XX	Web
Thank you for reading my request about this account with your company. I am writing today because, during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with XXXX and XXXX. I am requesting that your company please forward me a copy of the 1099-C that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}. Please also enclose a printed copy of my payment history or you may also email it to me at XXXX please do not send any marketing or other account information to this email address I have no desire to have spam at this location and I track everything by standard USPS mail at my home address listed above. If for some reason this was an error, please send me the past due amount that will re-establish my account into good standing with your company and payment will be provided within 5 business days of the written confirmation. Thanks in advance
04/09/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	NY 11229	Web
On XXXX XXXX, 2023 I called Upstart to payoff my personal loan. Their representative was unable to take my payment over the phone so I told them I would send them a check that would be received on XX/XX/XXXX. I asked what amount It should be made out for to pay off my loan in full, which they provided to me. They told me it was good for 10 days. I sent the check and followed up with another call on the XXXX. I was then told it can take up to 2 weeks for the check to be processed and posted to the account. Several days later the payment posted to the account but I was shocked to see they were still charging me interest resulting in additional balance remaining. To my knowledge the purpose of requesting a payoff amount is to insure the payment you make will cover any additional costs associated with the closing of the loan. I was clear with my request and intentions on the phone about wanting to pay the loan in full including the method to do so and the dates involved.
01/18/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	CT 067XX	Web
Upstart invited me to apply for a loan then pre-qualified me via credit soft pull for an {$11000.00} loan. My credit score was XXXX at the time with an excellent payment record. They had me upload a video promising to pay the amount I accepted back. I did record and upload the video as well as upload the verification documents, after the video was uploaded they denied the loan on a Sunday in XXXX minutes, although my record of payment with creditors is excellent. The only reason they denied the loan so quickly after I sent the video and Id verification is because I'm XXXX as they had no reason to renege on the loan. I have emails from them that show a change in attitude once the video was uploaded. Up until they saw my XXXX XXXX all was good, suddenly when they saw my XXXX the loan was denied. They never did a hard pull, but did do a soft pull of my credit after which time they offered the loan. Then after the video was uploaded they denied the loan..
01/13/2021	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 Was not notified of investigation status or results	CA 91745	Web
On XX/XX/XXXX, I sent a validation letter to Upstart Network INC disputing the information on my credit bureaus reports. They responded within the 30 day time frame, but did not respond with the requested validation documents. They also did not report to the credit bureaus that the items were being disputed. On XX/XX/XXXX, I sent another letter to inform Upstart Network INC that they hadn't marked the item as " disputed '' on my credit reports, a clear violation of the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and the Fair Debt Collection Practices Act Section 807 ( 8 ). Attached is a copy of all three credit reports that show as of XX/XX/XXXX Upstart Network INC has failed to place a notice of dispute on my account within the required 30-day period. The first letter of dispute was sent on XX/XX/XXXX. Therefore, the item should've been marked as disputed '' 30 days from when they received it, which was on XX/XX/XXXX according to USPS tracking.
01/21/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL XXXXX	Web
I was notified of an XXXX credit bureau data breach where an unauthorized user accessed the names, addresses, social security numbers, date of birth and other personally identifiable information of 16 million XXXX customers stored on the XXXX server. I have been a XXXX customer for over 12 years and was affected by the data breach. After reviewing my XXXX credit report, I noticed what appeared to be an unauthorized loan from Upstart Network , Inc . I do not recall making such a loan transaction or authorizing a loan application to be executed in my name during the questionable period. Attempts to contact the loan servicing entity have been unsuccessful and no valid documentation has been provided to me to verify the applicant source or executed loan documents. This unverifiable information continues to report on my XXXX credit report, and as a result of the XXXX data breach, it appears I was victimized by identify theft resulting from the data breach.
03/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MN 55379	Web
I am not a 14th Amendment Citizen and a Secured Party Creditor, I have all proper documents in public record. My FEE per Trespass is {$300000.00}. My LEGAL FICTION ALL CAPS NAME is now copyrighted and I placed a $ XXXX Lein against that PERSON... Any company, man or woman wants to use it, borrow it, or administrate it ... compensation is required. I gave UPSTART many opportunities to Remove my information out of their database and remove their information off my credit report and if they did not... Tort Claims will be filed. They ignore me and have made no effort to contact I. Now Compensation is required for Administrating Property Without Right, Consent or Contract ( Trespass ) and they're ordered to remove their information off my credit report. 15 USC 1666 ( d ) HJR-192 of 1933 ALL DEBTS ARE PAID. There is no money in circulation by fact. Upstart is in violation of multiple title 15 codes + causing harm towards a man which is a CRIME by LAW.
06/18/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	GA 316XX	Web
UPSTART please remove the application and supporting documents from your system as I decided I do not want to get a loan. I ask that the company Upstart to stop using my tax return information to solicit my children, my husband, and my family to apply for loans with UPSTART as we are not interested. The company UPSTART did not resolve the issue because they did not answer the issue. This company disregarded a request to cancel my loan application. This company has used personal information from my application supporting documents and issues a loan request to my children who are listed on the application. I do not want a loan with UPSTART I am requesting that they remove my information from their system because of their unsafe handling of individual personal information as they were in a lawsuit for this problem. I want them to stop contacting my children for loans and stop using my canceled application to allow others to solicit me for loans.
08/28/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 91773	Web
I applied and was approved for a loan through XXXXpstart. Pursuant to 15 USC 1692e ( 11 ) Upstart did not communicate in the initial oral or written communication that this was an attempt to collect a debt. Nor that any information would be used in connection with collection of a debt. Also pursuant to 15 USC 1692g ( a ), I never received a letter to validate such debt. Upstart has continued to violate my consumer rights laws but practicing unfair debt collection practices. They have sent statements that include predatory lending language by giving me deadlines in which I must make payments. On XX/XX/21 I received a notice for payment which violates my federal rights. In response, I sent over a debt validation letter requesting for Upstart to validate the debts stated, an affidavit of truth which reported the violation of my federal laws, 1 exhibit of violations, and an invoice for the number of violations found in each statement.
05/18/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	KY 401XX	Web
I applied for a loan, and I was approved by Upstart. I was told to confirm my banking account information by using a system that Upstart uses called XXXX. I logged into my banking account and Upstart notified me that my account had been approved. I was told that my loan money in the amount of {$5000.00} with a XXXX loan fee would be dispersed to my account within 1-3 business days. The disbursement date according to my portal on Upstart was XX/XX/2023. I never received the funds. I contacted Upstart and they told me they released the funds. However, it for some reason went to the wrong account. I was told an investigation would be conducted. I have NEVER received any feedback about the process or what's going on. It's now XX/XX/XXXX, and I have not received a dime. However, the loan is listed on my credit report. The portal shows active payments coming due for this loan... I have called and emailed several times with no assistance.
02/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76137	Web
I have had a loan previously with this company Upstart. It was a personal loan of XXXX I opened back in XX/XX/XXXX paid off XX/XX/XXXX. I never missed a payment with them, yet, it doesn't show positive account pay off. They also have listed another XXXX loan that was taken in XX/XX/XXXX. That depending on my credit report there is one or no payment made to this account. Then it went to CO. I did not take a loan out during this time, nor did I use Upstart. Later that account, this information was sold to another company. So, my information was shared to yet another company without my knowledge or consent. I have been doing credit research and working with credit repair companies ( XXXX ) since XX/XX/XXXX. I have sent letters and made calls to Upstart. I'm redirected to this new company that I have never had any communication with. I receive no response. And I have had only further and greater impact to my credit and lifestyle.
04/13/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	WA 98375	Web
I took a loan {$40000.00} with Upstart resulting in origination fee of {$2600.00} deducted from the loan. I paid off the entire loan after 3 months of contracting it. I approached the Upstart for a partial refund om the origination fees, since I only used {$1500.00} of the loan. I received periodic emails from Upstart stating that I was eligible for origination fees refund for early payoff. But Upstart personal informed for the first time that I was not eligible as stating in the emails I got. and to refer to some document I was not made aware of and inform at the signing of my contract with them. I contacted Upstart again to find out what is the criteria and requirement for eligibility, who is eligible, who makes the decision, on what the decision of ineligibility is based on. this information was not disclosed to me until today. So, I strongly the decision of eligibility is arbitrary, unilateral, therefore discriminatory.
11/11/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem with the payoff process at the end of the loan	OH 449XX	Web
I mailed a check from a XXXX loan to pay upstart personal loan off. I mailed the check on XX/XX/23 and they received it on XX/XX/23 ( per tracking USPS ). I received verification from XXXX loan company that the check was cashed by upstart. I have contacted upstart by email and phone on multiple dates ( XXXX, XXXX, XXXX ) to find out why it hasnt posted to my account and also sent them emails with proof of delivery and proof they cashed the check. Their response is not helpful and states if the issue is not resolved, I may receive a call from a team member. I have not received a call and have continued to call to resolve this. They state they will investigate and nothing is getting resolved. They stated it was mailed to the wrong address, however it was mailed to the address on my loan documents that is provided for mailing checks. I have to continue to make payments and they now owe me money and are refusing to resolve this.
06/03/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	ND 58201	Web
Two personal loans were provided to an individual using my name - identity theft. Upstart did not provide an accurate verification process ( proof of address, such as property tax statement or utility bill, proof of employment, such as paystub or 1099 ) and provided individual with ( 2 ) loans in amount of {$19000.00} and {$22000.00}. The loans were provided in XXXX of XXXX and I was notified in XXXX of XXXX they were in default. All 3 credit bureaus were alerted of same and my credit score has decreased dramatically. I have contacted Upstart via telephone, ( 2 ) overnight letters and have filed police report, filed report with FTC and contacted all 3 credit agencies with account freezes in place. Upstart has provided no response. I am now contacting an attorney. I am reporting this company as they are providing loans to individuals identifying as others without a required verification process and this is a violation of law.
11/29/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MO 63043	Web
Upstart loan company stated a payoff amount of {$5900.00} and the monthly payment was due on XX/XX/2022. They received payment in full as of XX/XX/2022 but are claiming that the loan was accruing " interest '' and I that I still owe them {$49.00}. I paid the amount as of XX/XX/2022 as they assured me there was no other way to get rid of this " interest owed '' They did forward the account to a 3rd party agency in XXXX of 2022. I want to report this company due to unethical and predatory practices. If a loan payment is due on XX/XX/XXXX ( and they also have a 15 day grace period ) and is paid in full 4 days early- then how is interest still accruing. I made XXXX payments to this company at 21.88 % interest rate, paying XXXX in interest alone. {$850.00} of my payments went toward my principal in that 13 months. This is very predatory. I paid the loan in full including the {$49.00}, but ask that this company be stopped.
11/20/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	AR 72764	Web
On XX/XX/2021, I received unwanted " junk '' mail inviting me to take advantage of a " Personal Loan Summary Prepared For : XXXX XXXX XXXX XXXX '' The company that sent this was " Upstart '' from XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I do not wish to receive credit solicitations. When I opened up the mail to see how to opt-out, on the first page there was a clearly written note that said the following : You can choose to stop receiving " prescreened '' offers of credit from this and other companies by calling XXXX. See PRE-SCREEN & OPT-OUT NOTICE on other side for more information about prescreened offers. On XX/XX/2021, I called the published opt-out number. I was greeted instead with yet another " offer '' which said I could press a button to receive a {$100.00} credit to spend at major retailors, such as XXXX or XXXX. Or, I could hang-up! It was a bait-and-switch and there was, in fact, no information to opt-out.
08/04/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	CO 80237	Web
On XX/XX/2022 I was called by upstart loans for a late payment on my loan # XXXX I was told I would also owe an additional {$15.00} which at the time I authorized them to draft. The payment went through just fine and I proceeded with the rest of my day. Later on in the week I was called again by upstart stating I now owed the {$15.00} late fee. I explained to them that I had already authorized this payment and thought it was ridiculous that I was being told I owe this money again. They at the time told me that they would wave the fee and it would not be reported to the credit agencies. This was followed up by an email stating the same information. Today, XX/XX/XXXX I received an email again trying to collect on the {$15.00} fee. I spent over XXXX mins arguing with their phone reps to deal with this, and was told I had to pay the fee to avoid it being reported to my credit but the fee would be waved.
03/04/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NY 10021	Web
I requested a loan for {$15000.00}. I was charged fees to obtain the loan which changed the principal amount to {$18000.00}. The loan terms are from the website login as of today XX/XX/XXXX : Loan Amount {$18000.00} Outstanding Principal {$16000.00} Unpaid Accrued Interest {$260.00} Loan XXXX Interest Rate25.58 % Origination DateXXXX XXXX, XXXX Repayment Summary On XXXX XXXX, XXXX, you got a {$18000.00} loan, see how far you've come! {$1600.00} paid toward principal Loading $ XXXXinfo As of today, on your Upstart loan you owe $ XXXXinfo I have made XXXX payments of {$540.00} but only {$1600.00} has been applied to the principal. It is illegal to charge origination fees etc and disguise it as principal amount when my bank was only credited with {$16000.00}. The loan terms are predatory and they refused a refinance of the loan. I am even paying interest on their fees for a 60 month term. Thank you
09/24/2021	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	MS 388XX	Web
I'm writing because I noticed Upstart reported a hard inquiry in XX/XX/2021 on my credit reports. The dispute options listed on CFPB are limited. I am requesting the removal of these inquiries from my XXXX and XXXX credit reports. I agreed to a hard inquiry for the pre-approved XXXX XXXX offer from Upstart. Unfortunately, the number of inquiries on my credit reports was more than I expected. I take full responsibility for this mistake and will ensure going forward to avoid making this mistake again. I was so disgusted with Upstart practice to create multiple inquiries and that I closed my account within a matter of months. My husband and I are in the process of applying for a mortgage loan to purchase our family 's dream home and the negative impact of those inquiries could result in a denial of our loan or a much higher interest rate that could cost us a significant amount of money.
06/28/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	LA 70072	Web
I was diagnosed with COVID 19 and out of work for a week beginning XX/XX/2023. I did not receive a full paycheck. I was recently diagnosed with XXXX XXXX and spent over a week in a XXXX XXXX XXXX. I called them to notify them of my situation on Friday XX/XX/XXXX and to see if there was any way to make a settlement or refinance the loan with a co-signer. I was told no one was available to discuss this option and I would be called back. I did not receive a call back. I called again on Monday XX/XX/XXXX and was left on hold and never was able to get anyone on the phone. I called again on Wednesday XX/XX/XXXX. I was told again there was no one available to take my call and that they would have someone call me back. This creditor has made no attempt to respond to my communications in reference to this loan. I am attempting to right my delinquency and have not been afforded the opportunity.
11/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28273	Web
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
03/20/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	IL 60630	Web
I was offered this loan in the amount of {$5900.00} on XX/XX/2023. I submitted documentation and was told I was approved on XX/XX/2023. The initial approval on XX/XX/XXXX was based on a soft pull of my credit, with no inquiry on my report. The final approval made it seem like the loan was approved, with the hard credit pull already taking place. The instructions from the company were to log in and sign the loan agreement to finalize the loan. It was not made clear that there would still be another credit check, which they did without clear explanation - leaving me with an unnecessary inquiry on my credit report. These are deceptive and confusing practices, if I had know there would be another credit check I would have declined the offer. You can not use the term 'approved ' when there's still another credit check, that should be reserved for when a loan is actually approved.
11/29/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Getting the loan	CA 90250	Web	Servicemember
I applied for a loan on or around XX/XX/. The loan was approved, however, it was never disbursed. I contacted Upstart and was informed the disbursement was attempted and requested my banking information. I provided my banking information and was informed it would be a few days for disbursement. The disbursement never happened and Upstart informed me my banking information was correct, but the company was investigating the disbursement problem. On XX/XX/, Upstart deducted the first payment on the loan in the amount of {$72.00}. I have contacted Upstart on multiple occasions and was informed my payment would be returned. I contacted the XXXX to file a complaint due to disbursement of funds. Upstart contacts me and informs me my loan isnt approved and would return my {$72.00} payment. This has not happened and Upstart is refusing to respond to emails or communicate on this issue.
03/05/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TX 77042	Web
I refinanced my XXXX XXXX XXXX with Upstart around XXXX of XXXX. In XXXX of XXXX, I applied for a COVID assistance payment plan ( they reduced my payments to XXXX $ a month for 3 months ) and was approved. Starting that month, they began reporting to credit agencies that I was late on payments. They continued to do so through XXXX of XXXX before Defaulting my account and sending it to Collections. This is wrong as they continued to charge me as agreed from XXXX through XXXX, and my account was on XXXX. The only payment that bounced was once my account wasn't sent to collections. I have bank statements to prove these charges, and the agreement with the company that I signed. Upstart NEVER contacted me about my account being late, until they closed my access to my account. If I was late, how did my autopay not charge me for the late balance? My autopay was set to balance due.
07/05/2023	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	SC 29229	Web	Older American
XX/XX/2023 up until XX/XX/XXXX someone stole my identity. First of all I began receiving text that said I changed my passwords and they came quickly about 50 in 10 minutes then my phone and email addresses were no longer available. I didn't realize what happened because I have never experienced fraud such as this before. I wasn't able to retrieve my cell phone services because the company said the scammer locked everything down they weren't able to open the account. In the meantime I noticed a XXXX XXXX financial loan was approved online but never picked up by the scammer and an Upstart account for {$5700.00} was given to the scammer. I have a great deal of inquiries from the dates given that have brought my score down tremendously. I have requested my credit report 10 times and I still have not received from XXXX and XXXX. I have tried to explain I did not open this account.
10/13/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Struggling to pay your loan	WA 983XX	Web
The company is repeatedly harassing my by calling me before 8 am despite my request for them to stop. Beginning on XX/XX/XXXX at XXXX XXXX the company began calling me about my account and waking me up very early in the morning. In the beginning, I ignored these calls. On XX/XX/XXXX, I was called at XXXX XXXX On XX/XX/XXXX, I was called at XXXX XXXX on XX/XX/XXXX, I was called at XXXX XXXX and XXXX XXXX On XX/XX/XXXX, I answered one of the calls at XXXX XXXX and was advised that it was Upstart trying to collect a debt. I advised them of the time and asked that they not call me at this hour again. On XX/XX/XXXX, I was called at XXXX XXXX On XX/XX/XXXX, I was called at XXXX XXXX Today, on XX/XX/XXXX, I was called at XXXX XXXX and answered. I again advised the company of the time and requested they do not call me at that hour. The company is calling from XXXX
06/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MA 02148	Web
I began the process to refinance my personal residence, and ran a credit report to review my activity. I noticed that there was an unsecured loan that appeared on my credit report that I had not opened, as well as numerous credit inquiries from companies that I did not contact. I reached out to the company that was holding the loan ( Upstart Network Inc. ) to report the fraudulent activity, and they sent me information detailing instructions on disputing the loan. Upon looking at the loan documents, my signature had been forged on the Approval Disclosure ; also, there was only in ID number in place of the signature on the Promissory Note. Also, I reached out to a credit resolution agency, who reached out to the credit bureaus on my behalf to inform them of the fraudulent activity. I do not know who opened this account or how my personal information was compromised.
06/02/2022	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	WA 983XX	Web	Older American
I requested a payoff letter from the previous lender on my car loan, which I sent to the current XXXX XXXX that I refinanced the loan through. The XXXX XXXX then using the payoff letter paid off the loan, in addition I had made an extra payment XXXX months prior to them paying off the loan. The previous lender " Upstart XXXX '' insists that I still owe them a payment and now have added yet another payment. My new XXXX XXXX " XXXX XXXX XXXX '' in XXXX Oregon needs the title which Upstart XXXX is refusing to give them. I have all of the documentation and emails to prove my case. I am a member of XXXX XXXX here in Washington XXXX, I contacted them about this issue, they wrote a letter to " Upstart XXXX '' we have had no response. Can you help resolve this matter? Or give me some type of suggestion as to what I can do? Thanks in advance, XXXX XXXX XXXX XXXX
05/25/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TX 75204	Web
I refinanced the loan with another bank. The bank sent the check to upstart. It came back due to bank error. Turns out Upstart did not endorse the check and they have admitted to that ( I have the email ). It took 10 days to get a new check to them and now they are charging me an additional XXXX of interest and still they claim I owe them XXXX and additional interest accrues. This was their error yet and they admit to it but now they will not respond. I have also reached out to the General Counsel who said someone woould get back to me and no one has and i reached out to the CEO with no response. Unless you all can fix this and make me whole I will do something I do not want to do and take them to small claims court as well as look into a class action as I am sure this is not the first time this has happened Pretty sketch the check for XXXX was not endorsed.
11/01/2023	Yes	Vehicle loan or lease Loan	Repossession Deficiency balance after repossession	CA 923XX	Web	Older American
Voluntary Surrender Agreement ' Dated & signed XX/XX/XXXX Notice of Our Plan To Sell Property from Upstart Dated XX/XX/XXXX Last conversation with Supervisor XXXX? ( No Name ) stating that I needed to contact the CARS repossession team at XXXX because Upstart had no knowledge of my cars sale? And that CARS could keep my XXXX XXXX XXXX indefinitely, but I would still be responsible for the full amount owed of loan & charge-off? I was also told by XXXX ( Upstart ) on XX/XX/XXXX that if I wanted to avoid the CHARGE-OFF on my credit, that I would have to pay a {$350.00} fee? None of this information is stated in my Voluntary Surrender Agreement or was I told that prior to agreeing ( due to poor health ) to relinquish my car? I literally feel like they stoled my vehicle & are taking advantage of me, because I'm having XXXX & XXXX XXXX & I can't fight back?
06/15/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	MI 492XX	Web
I sent the payoff XX/XX/23 priority mail ( XXXX ) and it was received in their office XX/XX/23 at XXXX. They are claiming it wasn't received until XX/XX/23 because you have to allow them time to process. I called everyday because I knew the payoff wouldn't be enough if it wasn't posted in a timely manner. They in fact charged me and I had to make an additional months payment on one of my loans. They admitted that using the overnight mailing address does not expedite anything and they are looking into a fix. This is an unfair practice. In addition to phone calls, there are several email communications from XX/XX/23 through today XX/XX/23. According to the payoff schedule provide, my payoff as of XX/XX/23 should have been {$9400.00}. The amount received was {$9300.00}, short {$29.00}. They charged me another {$350.00} on XX/XX/23 to payoff my loan.
12/18/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	GA 30319	Web
I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by UPSTART HOLDINGS , INC. d/b/a UPSTART. I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act by UPSTART HOLDINGS, INC. d/b/a UPSTART on XX/XX/2021, via email. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by UPSTART HOLDINGS, INC. d/b/a UPSTART adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to ( {$5000.00} ), UPSTART HOLDINGS, INC. d/b/a UPSTART is now civilly liable to pay me for the damages.
05/15/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NY 10454	Web
I have two loans with this company, Upstart. The loan numbers are as followed : XXXX and XXXX. I called in last month to dispute a payment that had not been made because my email address changed and I did not receive notification - once on the phone I made the payment. However, the creditor still proceeded to add a late payment to my file. Also, on XX/XX/XXXX I requested a hardship assistance- to which they said I would receive documents in the mail - the documents were never sent. Then I called in today to find out they are saying that payments are past due even though I requested a hardship ( which they clearly did not document. Also, I request that they update my email ( which they clearly have not done either ). Furthermore, their representatives constantly hang up the phone and make it difficult to achieve assistance.
05/24/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	DC 20032	Web	Older American
Around XX/XX/2021 I began an online process for an Installment loan with UPstart.com. I was initially led to believe that the loan was forthcoming and had been approved. I was asked to provide additional information to complete the loan process, such retirement income, bank statements and photo-identification identification - which I did. I had several telephone conversations in furtherance of the process and had no indications of any problems. Needless to say the loan was initially reduced and then finally disapproved after having conversations suggesting leading me to incur additional debt in anticipation of the funds being approved. I believe that I was purposely mislead and that the company had no intention of making the loan. I believe that the DC zipcode and XXXX animus were prime factors in the denial of the loan.
10/20/2017	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was result of identity theft	CT 060XX	Web	Servicemember
UPSTART NETWORK INC is reporting that {$31000.00} is owed to them and listed as a derogatory account, yet I DID NOT open an account with Upstart Network Inc. According to XXXX and XXXX, this loan is a private education loan, yet I am not in school. I enlisted in the XXXX in XXXX, and I have been an XXXX XXXX service member since that time. I get XXXX in less than one month, and I need this rectified quickly. I have maintained credit freezes on all three credit bureaus, due to identity theft. Upstart Network Inc. is reporting on my XXXX and XXXX credit reports. Upstart Network Inc needs to remove the derogatory collections accounts from my credit files. I give the CFPB permission to post this publically, so other consumers can be aware of the unlawful business practices Upstart Network Inc carries out.
08/30/2023	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Problem with the payoff process at the end of the loan	MD 21223	Web
The consumer and natural person was denied credit by UPSTART when she applied for a personal loan, XX/XX/2023, Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691 c and is pursuant to civil liability under 15 U.S.C 1692k. They are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by UPSTART due to the response I received. UPSTART is in violation of 15 U.S Code 1642 U.S.C 1681m and 12 cfr 1002 because I the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and received NO benefit. This proof of fraudulent activity ( unauthorized use of credit card ) on behalf of UPSTART
12/12/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	NY 120XX	Web
In XX/XX/2022, I noticed a loan from Upstart was showing on all XXXX credit reports. I instantly reached out to Upstart explaining that I never took out a loan and that it is a result of identity theft. They told me that I would need to submit a report with Identity Theft and a police report which I supplied them with both. After I submitted both the Identity Theft report and Police report they told me that it wasn't enough to close the account and told me that this was my debt and that it would be sent to a collection agency. The fact that they did not accept either reports that they told me I had to do is crazy. This loan was for {$15000.00} that isn't my debt and I did not iniate and is it greatly effecting my credit report. Awful investigating skills they have and awful company to deal with.
12/29/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	ID 83646	Web
On XX/XX/2022 I offered a 2nd loan with upstart and I accepted the offer just to be denied for lack of on time payments and outstanding balances. This was an incorrect denial due to all my payments being on time and reporting that way and I did not have an outstanding balance because at the time I had made a payment earlier that day. I felt as If they engaged in predatory lending which was abusive by offering me more credit just to wrongly decline their offer and they stated due to policy they can not overturn their decision or even take a second look, even though their payment operations center confirmed I had met the criteria they used for the decline. I spoke with XXXX a general support supervisor who didnt offer any option to revisit the application and just stated its company policy.
10/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85249	Web	Older American
{$17000.00} reported on my credit Bureaus. This is NOT my account. Our credit alert informed us of credit account opened in my name. I have no knowledge of this account. I reported to XXXX XXXX, XXXX. the company that opened this account IS Upstart Holdings Inc XXXX XXXX XXXX XXXX XXXX XXXX, CA., XXXX. Upstart asked me to confirm my information- and I did provide them the information. Upstart claimed they had NO Record of my having any account even after Upstart Verified this account with all 3 of the credit bureaus. Upstart Holdings asked my permission to do a credit application account and I Refused. this account was opened XX/XX/2023 and the credit bureaus reported that I have made 2 payments. this IS Fraud and Upstart claims they have " no knowledge ". This is not my account
12/14/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	KY 421XX	Web
I applied for a loan at UPSTART company, then they asked me to provide the college degree. I provided my college certificate which was issued by original country XXXX, but the UPSTART said the XXXX XXXX XXXX education degree disqualified me from the loan. I felt I was doing something wrong providing my original national country which made feel a bitter type a very discriminatory treatment due to my national origin. I am planning to sue to this agency for their unclear and unjust treatment for while trying to get the simple loan. I am naturalized US citizen and admitted into XXXX and am still working to get my college degree from my XXXX college in town. Please, advise what I need to do as I am clueless on how to deal or sue this company for their discriminatory treatment for me
01/11/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 32304	Web
A company that claimed to be Upstart XXXX contacted me on my cell informing that Ive been approved for a loan, but due to my credit history, the first installment would be due on the same phone call. Instead of withdrawing the funds from my checking account or debit card, I was told to purchase 2 gift cards in the amounts of {$250.00} and {$500.00}. Once the gift card numbers and PIN were provided, I was told the funds would be deposited into my checking account. After waiting for hours, no money was ever deposited. After calling the loan agent 15 times, he picked up on the 15th attempt and to make a long story short, asked more of me, in order to obtain a loan that I was never going to get. In the end, I was denied a refund from this company and denied a claim with my bank.
11/02/2022	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 77479	Web	Servicemember
I was sent advertisements and offers for loans through this company via email. I guess because I have done other pay day loans I ended up on their mailing list. In a moment of desperation to pay rent, I applied and was approved for {$3700.00} and was told that my payments would be > {$99.00} a month. Well, I have no idea what the interest rate is because they are very confusing and shady about the whole contract. They weren't clear with the terms and so far I have paid over a thousand dollars and only {$200.00} of it has went to the principal. How is this not usury? It should be criminal to charge people this amount of interest. Please help me negotiate something with them. They won't do anything over the phone and no one seems to care when I call that I can't keep this up.
06/02/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	OH 456XX	Web
XXXX XXXX rate is outrageous and is more than the 28.59 % the said to be. I borrowed {$25000.00} of which they kept {$2000.00} immediately CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX ANNUAL PERCENTAGE RATE They say is 28.59 % FINANCE CHARGE The dollar amount the credit will cost me is {$20000.00} for borrowing {$23000.00} ( they kept {$2000.00} of the original {$25000.00} ) Total payments 59 totaling {$43000.00} = OUTRAGEOUS! {$25000.00} -- -- -- -- -- -- Borrowed on XX/XX/XXXX {$23000.00} -- -- -- -- -- -- -- -Received 28.59 % -- -- -- -- -- -- - My interest rate {$720.00} -- -- -- -- -- -- -- Monthly payment To date I have paid 15 payments of XXXX totaling XXXX which of only {$5300.00} is paid toward principal. This is a 5 year loan ending XX/XX/XXXX XXXX
04/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA XXXXX	Web
I opened a dispute against Upstart Network regarding the violation of my federally protected consumer protected rights and the requirements of the FCRA, that the company failed to comply with. As per the company 's own arbitration agreement, in instances where a dispute arises, this must be handled through binding arbitration, the company did not do such a thing. As per the company 's own terms and conditions, they will not sell my information to any third parties, which they did when they sold my information to the various consumer reporting agencies, without my written consent. I did not receive the XXXX XXXX XXXX XXXX disclosure, as necessary by XXXX XXXX. I requested all accounting history related to this account, from account opening until account was closed.
02/11/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 91331	Web
I applied online for a loan to pay credit cards, at first they gave me details of the loan ( 19 % interest ) and explained that those terms are subject to credit report. After submitting the necessary documents they approved me for the loan with an interest lower ( 16 % interest ) than the original because of my credit but the payment still the same. I called them and they just tried to confuse me with numbers and they said they cant do anything. I asked to the Rep if my credit was worse the payment still be the same and he said no, so why the payment didnt get lower? I believe they dont follow the contracts or at least give info that they get part of the loan for the service provided Docs signed from Bank ( 16 % ) are different interests from their estimate ( 19 % )
06/24/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	VA 23225	Web
I was approved for and incurred a debt consolidation loan from Upstart ; however, Upstart has not disbursed funds on the loan. The loan is accruing interest, and I have made my first payment on the loan. I have also personally paid off the debt this loan was intended to consolidate. I have called Upstart daily requesting information on the status of the disbursement but have not been helped. I have requested they provide a new amortization schedule for the loan based on a new disbursement date or cancel the loan altogether, but so far they are not willing to take any action on my behalf. The loan is reporting to the bureaus and is affecting my credit score. Please help me resolve this by either receiving the funds or terminating the loan altogether.
10/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60007	Web
On XX/XX/XXXX, Upstart Network Inc approved covid-19 related hardship assistance. They told me that I was approved and didnt need to make payments for 60 days. They also sent me a letter indicating that they wouldnt report my account as delinquent to the credit bureaus for being late. This company went ahead and reported my account as 60 days past due dropping my Fico score by 60 points. I tried multiple times ( 5 to be precise ) thinking it was a mistake and hoping they would remove this error. Upstart Network Inc refused to remove this delinquent reporting. This has negatively affected my Credit and and iam unable to get favorable interest rates or i am getting denials even though I have made my payments on time since the loan inception.
12/07/2023	Yes	Payday loan, title loan, personal loan, or advance loan Other advances of future income	Issues with repayment	TX 75035	Web
On XX/XX/2023, I took out the personal loan of {$50000.00} with 23 % interest rate, being convinced by a scammer. This scammer scammed me with XXXX investment and got me take out loans including the one from Upstart. After I noticed I got scammed, I called Upstart immediately ( on XX/XX/XXXX ) to seek any help they could provide to me. They couldn't lower the interest rate nor help me with their hardship program. Most importantly, even though I explained this loan was related to a scam I experienced, they said they can not do anything with it. Although the fund was arrived in my bank account, it was immediately transferred to blockchain and transferred to the scammer. I am hoping Upstart to reconsider this situation and write off the loans.
01/24/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	OH 435XX	Web
The months of XXXX have been very rough. My XXXX payment feel behind. Upstart sent late fee and went to credit report which dropped me XXXX points when its not right as i explained my situation and they didnt want to hear it. I would love to have late fee removed from my report. I spoke to multiple customer service only one helped me apply for hardship said i would be approved was denied. I had XXXX for 2 weeks. Still having issuesXXXX XXXX XXXX XXXX XXXX, had by check book stolen/fraud, and lost job. I feel behind on the loan payment. Explained my situation multiple times, applied for hardship ( was denied ). Customer service has been nothing but rude. I managed to take personal loan out. Set up autopayments so will never be late again.
08/08/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	CA 95336	Web
I took out a {$5400.00} personal loan through Upstart to furnish our first apartment on XX/XX/XXXX. This account has regularly shown incorrect information on account balance for the last 3 months. I have filed online disputes on multiple occasions. I paid off the loan on XX/XX/XXXX I called them on XX/XX/XXXX to verify they received and showed full payment, and to see if there was anything they could do to expedite the reporting process since it has caused a dip in my credit score with the introduction of an auto loan. Their response was that they couldn't do anything until the regularly scheduled payment date XX/XX/XXXX per company policy. I track my credit scores with XXXX and XXXX XXXX. I've made most of my disputes through them.
12/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Received unsolicited financial product or insurance offers after opting out	TX 75028	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized/Please Removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
08/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	ID 836XX	Web
I have reached out to the company with screen shots of my credit report showing the loan still showing open on my XXXX Credit Report. I gave them the loan amount the date I took the loan out the date I paid it off and my information. I received an email back telling me the credit bureaus were sent the information of paid as of XXXX. I wrote back and let them know that is incorrect and again sent them screen shots. I then received an email back stating I need to send an email with my information and my loan information and request my credit report to be updated. I wrote them back to let them know that is already what I did and it is in the chain of emails already sent. Then I advised them I was going to file a cfpb complaint.
09/27/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Improper use of your report Reporting company used your report improperly	CA 91605	Web
In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 US code 1681 section 602, it states : I have a right to privacy. Under 15 US code 1681 section 604 ( a-2 ) also states that a consumer reporting agency can not furnish an account without my written instructions. Furthermore, 15 US Code 1666b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. In conclusion, I am exercising my right to privacy, I did not give authorization to report this discrepancy to my credit report thats damaging my credit worthiness, I am requesting that the late payment be removed and my account with upstart report to reflect the update.
08/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MN 55446	Web
on XX/XX/XXXX Upstart company reported my personal loan payment as 30 days delinquent and 60 days delinquent with XXXX. I contacted them and asked for this to be removed from my credit report as my payment was made on time. I received an email communication from Upstart stating that After completing an internal investigation, the have determined that the delinquent status reported to the credit bureaus as of XX/XX/XXXX, is not accurate. And promise to make correction. The correction was never made and the delinquent status still shown on my credit file as of today XX/XX/XXXXXXXX Due to the inaccurate reporting and failure to make adjustments for more than 10 months I was denied multiple personal loans to pay my debts.
03/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78665	Web	Servicemember
There seems to have been an account opened for Upstart under my name. My identity has been compromised in the XXXX and XXXX security breach as well as others. I am not liable for this debt with Upstart and I do not have a contract with them. They have not provided me with the original application like I asked. This should be removed from my credit report account : XXXX. They have no reason to be reporting this on my credit report. Please have them delete this record from all credit agencies. I am a XXXX Combat Veteran of the war in XXXX. I am battling serious health issues and do not need this causing me further duress and injury. I need peace in my life. Please have them resolve this in a compassionate manner.
05/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07305	Web
To whom it may concern, I am requesting Upstart to remove its information from my credit report. I sent a letter on XX/XX/2023 to ask for verification of this account. However, a letter was sent on XX/XX/2023 referring that its company is unaware of a account in my name. Therefore, they were not able to verify the information. I'm sending another letter on XX/XX/2023 yet again asking for verification. Upstart is in violation of the following, XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) XXXX. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
06/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 751XX	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX. XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated several of 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 payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
05/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CO 80123	Web
I was affected by the XXXX XXXX XXXX XXXX during the months of XXXX and XXXX of XXXX. I was in and out of the ER due to XXXX XXXX as well as for XXXX XXXX XXXX that were increased due to the stress levels caused by the pandemic. Today XX/XX/XXXX I have attempted to reach an agreement with the lender. However they would immediately tell me it was a no go situation without providing me with other options until I mentioned I had filled a complaint with CFPB, then the representative created a complaint for further investigation. I am not trying to fool anyone nor provide false information to the bureaus I simply want to get my financial life somewhat back to what it was to the pandemic.
01/23/2023	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77494	Web
I have been disputing this account with Upstart Network from my credit report for some time now. I have sent them a letter requesting validation of this debt and sufficient proof on how they gathered that this account belongs to me and have never received a response back. Here is the tracking XXXX XXXX XXXX XXXX XXXX. The tracking proves that they received my dispute but never responded. It is illegal for them to report inaccurate information let alone any accounts on a consumers report without providing valid proof that the account belongs to them. It is also illegal to ignore a dispute request per the consumer laws. I demand that this account is deleted from my credit reports now!
01/10/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	IL 60620	Web
with all do respect I don't agree with that. I, as a consumer per law am not supposed to be denied for any credit. I was denied by you all every year even when my credit was higher, so this is discrimination and I refused to be discriminated against anymore. So I appreciate your input but I will be contacting the credit bureaus and the higher authorities to get this resolved. So right now you unless you all approve me for a loan that I ( legally am obiligated too ), you all are gon na get investigated by the government, XXXX XXXX XXXX and the attorney general. You all aren't the only creditors im coming after Thank you! Please forward this to corporate XXXX XXXX XXXX
03/04/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 90272	Web
Upstart is violating the terms of the Promissory Note when it comes to the application of partial prepayments. I made a partial prepayment and, per the terms of the legal documentation, it should 100 % be applied to principal. However, the company is first applying the partial prepayment to accrued interest and then principal. This is a violation of section 9 of the executed legal documentation. The company is insisting it follows section 2 detailing how payments are applied. Since this is a partial prepayment, terms in Section 9 apply and thus, 100 % of the partial prepayment should be applied to principal prepayment. Upstart refuses to adjust the accounting of my account.
07/13/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	GA 302XX	Web	Older American
On this date XX/XX/2022, I refinanced my XXXX car loan ( account number XXXX ). I did not realize I obtained two loans at the same time. XXXX XXXX Bank approved my loan ( account number XXXX ). XXXX sent a payoff to XXXX in amount of XXXX on date XXXX Then XXXX XXXX XXXX ( account XXXX ) sent a payoff to XXXX on XXXX XXXXn amount of XXXX ( Check Number XXXX ) and ( Tracking number XXXX ). Then XXXX sent a refund to XXXX XXXXXXXX XXXX on date XX/XX/ and credited on XX/XX/2022 ( account reference number # XXXX ). I am paying the XXXX car loan. XXXX XXXX Bank claims that it did not receive a refund from XXXX and keeps sending me notices for payment on that loan.
08/17/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA XXXXX	Web
In regards to UPSTART I am disputing there 30 days late. First I have had nothing but issues with this company in such a short time. On XX/XX/XXXX they contacted me saying my bank account was frozen. I then kept trying to pay them and emailed them at least 25 times. They said I need to verify my bank account again. It would not verify with their plaid for some reason so finally it verified again on XX/XX/27 using 2 deposits they sent then withdrew. I then immediately paid. Yet they claim that I was being charged a XXXX late fee. I disputed this because for over 2 weeks I had emailed them over and over again to verify my account just to make a payment!!!!
12/13/2023	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	CA 90804	Web
The account the was closed on XX/XX/2022. The amount was {$1900.00}. The debt was charged off and sold to a third-party debt collector. I am still getting repetitive calls every couple of hours. The debt has been cancelled. According to the law, I am no longer liable to pay the loan back once it has been sold to a third party with whom I have no contract. My information was also sold to that debt collection agency without my expressed and or written consent. Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I, the consumer may have given, written, unwritten, verbal, and nonverbal, per 15 USC 6802.
10/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11722	Web
I am not denying my account or stating this account isn't mine. I am not asking for verification as defined pursuant to 15 U.S. Code 1681a ( l ) ( 2 ) ( A ) information in the consumers application for the credit or other information bearing on the credit worthiness of the consumer ; or pursuant to 15 U.S. Code 1681a ( l ) ( 2 ) ( B ) of the information in the consumers application for the credit to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability. I am demanding you to remove my account information as you have no permissible purpose to furnish a consumer report in regards to i the consumer
10/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11743	Web
I am not denying my account or stating this account isn't mine. I am not asking for verification as defined pursuant to 15 U.S. Code 1681a ( l ) ( 2 ) ( A ) information in the consumers application for the credit or other information bearing on the credit worthiness of the consumer ; or pursuant to 15 U.S. Code 1681a ( l ) ( 2 ) ( B ) of the information in the consumers application for the credit to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability. I am demanding you to remove my account information as you have no permissible purpose to furnish a consumer report in regards to i the consume
10/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90277	Web
I received your response XXXX XX/XX/XXXX that you need my updated email address which is ( XXXX. ) I sent a complaint on XX/XX/XXXX to remove Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA and Account : .UPSTART NETWORK INCXXXX XXXX Date opened XX/XX/XXXX Balance : {$20000.00}, that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint. I am including it again.
10/05/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	TX 75068	Web	Servicemember
I refinanced my XXXX XXXX XXXX through Upstart in XX/XX/XXXX. In XXXX I traded the vehicle into my employer XXXX XXXX of XXXX Texas. Ally was the original lien holder who confirmed that they sent the title to Upstart on XX/XX/XXXX electronically. I had to call to verify this because the representative lied to me and to XXXX stating that they did not have the title. When I called Upstart back I received another representative that confirmed they have had the title since XX/XX/XXXX. XXXX afterwards submitted the payoff to them on XX/XX/XXXX. They are not wanting to cooperate in releasing the title to XXXX since it has been paid off.
01/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 19018	Web
I settled several accounts that was sent to collection. I informed these creditors that my spouse open this account without my knowing however, I was willing to settle with them if they can remove and delete derogatory records from my credit report. They said yes and promised to send me a letter in the mail. The letter never came in the mail and my settlement payments were made. I hope to start XXXX school in XXXX months and need private loan to fund my education. Please I needs these derogatory records from my credit report in good faith. I completely paid the amount they agreed on and I was looking forward for a second chance.
01/20/2023	No	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	NY 11210	Web
I applied for an extension loan of {$20000.00} from XXXX XXXX XXXX and they violated my consumer right by denying me credit on the basis of my credit file, which they got from third party agency. Upstart purposely violated my consumer rights which states that it is unlawful for any Creditor to discriminate against any applicant with respect in any aspect of a credit transaction. Upstart was given and used my social security number and still I received NO benefit. Upstart was also made known of the Equal Opportunity Act and still they denied me the loan / credit, which again is a clear violation of my consumer and human rights.
01/01/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AZ 85029	Web
When I applied for my loan, my monthly payment was to be {$68.00}. My payments haven been taken out every two weeks so I have have been paying twice that. I didn't realize until a few months of paying that Upstart had been debiting my account twice a month instead of monthly. I pulled up an old email just to ensure I was not mistaken and it clearly says my " monthly payment of {$68.00} is due on the XXXX ''. Lastly, my account center now says that my monthly payment is {$130.00}, which is not correct. The only conclusion I can make is that my payment arrangement that I originally agreed to was doubled without my consent.
12/22/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MI 48135	Web	Older American
I needed a loan so I saw a loan company on XXXX XXXX I applied to upstart for {$35000.00} I was approved online they charged a origination fee of $ 2500+ and deposited the balance of {$32000.00} into my checking I ask for paperwork on loan interest rate was told there isnt any I was to make 60 payments at {$940.00} after 60 CV payment I would have paid $ XXXX th iui d to me is outrageous interest it's been 24 payments I still owe, $ XXXX I feel they took advantage of me with the loan interest and not emailing me any paperwork for my file I feel this is discriminatory because I'm XXXX XXXX. How can I get help with this loan?
02/08/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 76112	Web
On XX/XX/2022 I was denied a 6,000 loan. I was denied based on my outstanding delinquencies on my consumer report and my ability to pay loan based on my other credit transactions. Those reasons are unlawful and discriminating. The law 15 U.S. Code 169 ( a ) states It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. A credit transaction is the repayment of money loaned or loan commitment made, or payment for goods, services, or properties sold or leased, is to be made at a future date or dates. So Upstart adverse action is unlawful by all means.
02/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11234	Web
Upstart Inc is furnishing an inaccurate information on my credit report and is in violation of the FCRA. I checked my Credit report and i found a lot of errors from this company. The burden is on you and you hereby have 15 working days to reinvestigate. This inaccurate information on my credit report has caused me a lot of financial harm, denial of credit from creditors and defamation of character. If after 15 days of reinvestigation you do not correct of delete the erroneous information on my credit report, you will be civilly liable to me for negligent non-compliance. Take this seriously, the time starts now.
11/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 94585	Web
My personal belongings were stolen including my Social security card in XXXX around XXXX, I didnt notice the UPSTART account on my credit until XX/XX/XXXX when i tried to apply for a credit card and they told me reason for denial is because of UPSTART loan account was in collections. I am providing documentation of a Police report regarding the incident and i asked the Three credit bureaus to put a lock on my credit profile for protection. This account unauthorized and wrongfully opened with my personal information and would like for this to be removed from my credit profile as it is affecting my personal life.
01/12/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	AZ 85212	Web
I continue to get what I would consider misleading solicitations from XXXX XXXX for me to get a debt consolidation loan, it claims I am pre-qualified for 1K to 50K and I can check for my rates without impacting my credit report. Every time I get one of these I go in and try only to get declined after they check what rate I would qualify for. If this company is going to continue to decline me why send these pre-qualified solicitations to begin with. I think it is completely deceptive advertising and I really wish they would stop with the solicitations when they obviously have no intention of extending me credit.
09/17/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	FL 33426	Web
I submitted request for a loan from upstart for the amount of {$7000.00} I was pre approve based on a soft pull credit report I was requested to provided documents in which I did and everything was successfully verified I was instructed to remove freeze on XXXX credit report which it was preventing them from accessing a hard pull in which that was completed successful. I received a letter of denial stated information couldnt be verify I spoke to supervisor and I was told they couldnt access credit report that information they stated to me was false I feel I was discriminated against for loan and I want answers
08/09/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21001	Web
You are in Direct Violation of the Fair Credit Reporting Act ( Upstart ) has violated several of 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 account under an open-end consumer credit plan as late for any purpose. Remove the late payment and update this account immediately as you are in direct violations of several laws under The Fair Credit Reporting Act.
11/06/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Information that should be on the report is missing	PA 19120	Web
I open an account with upstart finance back in XX/XX/XXXX, the loan has since been paid off in XXXX, I called Upstart to request a pain in full letter from them, I spoke to several customer service agents, at XXXX, I was told that it takes XXXX hours to get a letter sent out via e-mail, that they would have to put in a request to their back office. I asked them why it takes XXXX hours to have a letter sent via e-mail. the customer service agent said that was their policy, I called them on XXXX the XXXX, as well as on XX/XX/XXXX. I have not been able to receive a letter of account has been paid in full.
09/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60625	Web
I have disputed incorrect information about upstart and opp loans starting XX/XX/2023. Upstart reports my balance as XXXX, they updated the correct amount which was zero on XXXX but refuse to update with the other credit bureaus. XXXX continued to report a balance that was paid off as well and instead of the credit bureau deleting this account they updated it because I had proof that it was paid off when in fact it should have been deleted because they knew that the balance was incorrect of XXXX and the credit bureau continued to report it even though they had a letter saying that I paid the debt off.
11/15/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem when making payments	TN 38125	Web
On XXXX XXXX I called in to make a payment with my credit card or debit card. Customer service stated that credit card payments were not accepted nor debit card. Only method of payment was to be done online with a checking account using account and routing number. At that time I did not a checking account. I asked the representative of all other payment methods to keep this account from being past due or late. This representatives failed to mention they offered a pay by mail option. This caused a very big impact to my credit score. Which could have been avoided if all options would of been addressed.
11/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 908XX	Web
I have reached out to Upstart Network Inc multiple times previously in regard to the inaccurate information they are reporting on my credit. I am a victim of ID Theft and have sent the documents I have officially filed, at their request, and still have not seen the corrections that need to be made. They are neglectful in their duty to correct their mistake since they are unable to verify with physical proof of verification of the debt they are claiming to be mine, as required under Section 611 ( a ) ( 7 ). The subjected accounts details are below : UPSTART NETWORK INC XXXX XXXX XXXX {$21000.00}
11/07/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem with the payoff process at the end of the loan	IL XXXXX	Web
The payoff amount was {$97.00} short. Upstart claims that I did not turn autopay back on after the payoff amount was received, but I contend that I did. They reported the {$97.00} late to the Credit Bureaus. I asked them to remove the late payment report, but Upstart will not do so. I contend this is a glitch in their system. I paid all payments prior to this on time via autopay. I do not understand why Upstart is drawing a hard line on a {$97.00} payment given my history and given that the loan was being paid off in full. Additionally, the moment I was aware of the error I paid it immediately.
03/07/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	SD 577XX	Web
On XXXX I fell XXXX XXXX XXXX XXXX. I experienced life threatening complications following the XXXX, which caused me to take a leave of absence from work. This loss of income has left me with only my Social Security income. I wrote to Upstart.com on XXXX ( after I got out of the hospital ) requesting a loan modification plan. They denied me, because I haven't been with them that long. I took out the debt consolidation loan in XX/XX/2021. I want to pay my bills. I just need to be able to eat and afford my medical treatments too. Any assistance you can offer will be greatly appreciated.
04/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19149	Web	Servicemember
This account does not belong to me and is under litigatio.Account was opened fraudulently. All supporting documents have been sent to creditors and credit bureaus. Requesting all delete from record immediately! I took loan out with this same company in the past and had it paid off. Now unknowingly the same company has another account opened up with my same information. The account was not opened up by me. After reviewing information that the creditor provided on this matter ; it came to prove that the information on the account are also not mine : phone number, email, bank information.
01/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11207	Web
UPSTART NETWORK INC.. conduct is misleading and deceptive the promissory note allegedly signed by me was not signed with my own hand and is fraudulent i completed a Identity theft affidavit with the FTC XXXX prove the the Note is fraud and UPSTART NETWORK INC. continues to report and attempt to collect this fraudulent account without verifying with first hand knowledge that i signed the promissory note also there conduct is extortion, usury and blackmail. I order UPSTART NETWORK Inc. Cease and desist communication with all credit reporting agencies in regards to this fraudulent debt.
08/12/2022	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 78747	Web
There are a few issues we ran into with Upstart 1. When we encountered recent financial hardship, Upstart presented " hardship payment '' options that did not really address the monthly payment long-term or the loan itself, and was not helpful as advertised. 2. Upon further review of the loan agreement, it was found that the terms are predatory as almost a year paying into the loan has not even resulted in {$900.00} of the principle being paid off ( note, monthly payments have been {$350.00} a month ). We agreed to these terms under financial duress ( previous financial hardship ).
09/06/2023	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	MI 48045	Web
I am a victim of identity theft. I have supplied all the documentations needed for these companies. These companies are in VIOLATION of 15 U S C 1681 ( E ) and 15 U S C 1666. They are reporting to my credit reports improperly. I request that the information in inaccuracy is deleted from my credit report. The accounts are Upstart/Network Account # XXXX reporting to XXXX charged off balance {$9100.00} with last activity of XX/XX/XXXX and XXXX charged off balance {$8300.00} with last activity of XX/XX/XXXX also Upstart/Finewise account # XXXX charged off amount {$2900.00}. .
07/10/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 91367	Web
I have notified both Upstart and XXXX that the late payment was wrongly submitted. I have provided documentation of police reports, ftc number and cyber crime along with notice that my bank account was closed. All of this is because of ID theft and fraudulent activity which has resulted in accounts being closed and causing problems beyond my control. Ive never missed a payment in over 20 years on my credit report. This is the first time and again because I was victim of identity theft. I notified the company and was making attempts to pay this but bank account was closing.
04/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78634	Web	Servicemember
INQUIRIES THAT I DID NOT AUTHORIZE BELOW : - XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX - XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX - XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX - XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX - XXXX - - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX - XXXX XXXX - Inquiry date : XX/XX/XXXX ** I have NEVER gave signed authorization to any of these companies to have access to my credit report and get an inquiry.
08/31/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	RI 02861	Web	Servicemember
I noticed on my credit report that they reported a half payment as 30days late on my report says I am behind {$13.00} XXXX then reached out and told them I was applying for a mortgage and it they could please remove that and they said no they would not work with me then I told them I am a XXXX XXXX of the XXXX and I was protected by the SRCA act and they still refused to work with me so now because of the 30 day late payment and such I can not get approved for a mortgage as I am a service member I am upset they will not work with me and total disregarded the SRCA act
07/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48219	Web
This is in response to complaint : XXXX XXXX XXXX Upstart : Charge-offs should not be on your consumer report, because income is not reported on a consumer report. Time period For payment or other action : Unless we provide a specific date any time. For your payment or other action begins on the date of this communication. IRS reporting of debt forgiveness : If we cancel or forgive XXXX or more of principle on debt you owe we will provide you a 1099-C tax form if required by law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX election of consumer to be excluded from list.
07/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 91344	Web
I enrolled in this lenses COVID 19 program in XXXX. I was incorrectly hit with a late payment on my credit and drastically impacted my financial situation during these hard times. I have already paid this company the amount that was supposed to be differed and I am current with them. When I made the amount to be current their rep said sometimes during the COVID hardship program late payment get reported incorrectly. Still I am getting the run around and no assistance whatsoever. This should not e tolerated in a time like this because of an employees incompetence.
01/26/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	CA 94112	Web
Due to inflection in use of language. I feel my loan was denied based in an unspecified biased. The company continued to try to find reasons not to fund my loan. My Credit and income met the underwriting requirements. The reason given ultimately for the denial is suspect. The verbal reason was in reference to a credit report from an alternative company. The credit report used in the original qualification matched the credit report that was claimed to have disqualified me. The company refused to give me a detailed accounting on why my loan was denied in writing.
08/23/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	TX 78641	Web
I had XXXX call XXXX today and they said he had a separate loan he was calling to update my application so I talked to a agent I explain what was going on that I needed to change so things he said he would update it for me I gave the information he stated that I needed to send a copy of license because it was not clear I said okay he stated someone would call me to go over new rates I believe this is racial profiling my application was incomplete I have confirmation I have till the XXXX XXXX to reply I update my info I also have a co signer also on application
01/11/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	RI 02905	Web
Someone applied for and received 2 personal loans in my name and deposited the money into my personal bank account. Fortunately my bank caught this before they could withdraw the funds. The bank froze my accounts so that the funds could not be withdrawn and I am working the bank investigators to resolve. When I pulled my credit report, these crook also tried to obtain loans from 12 other lenders all in a 3 day period in my name. They also applied for unemployment benefits for me too. Watch out, these crooks are working overtime to destroy your lives.
12/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 08081	Web
I paid my XX/XX/2022 installment payment in XXXX but I paid after my grace period which I got a XXXX late charge. When I made my payment I was told the late charge would be waived. Just recently I got an alert that I was reported 30 days late for a XXXX late charge is that even legal to report me delinquent for a late charge they offered to waive? I want to know why this happened and all calls are recorded so I would like them to pull the recording on why the agent neglected to tell me I was going to be reported late for a late charge they offered to waive
07/09/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	DE 19713	Web
On XX/XX/2023 I received a letter in the mail stating I owe a debt from XXXX XXXX XXXX XXXX XXXX stating they are a debt collector the debt is XXXX. In which I have never gave consent to authorize to have my personal information according to the GRAMM-LEACH-BILEY ACT 15 USC 6801 i have protection of non public personal information. According to this law this company is in violation of my consumer rights I am asking this debt be deleted and a cease and desist. I am asking this company get correspondence from credit bureaus to get this matter handled
10/25/2022	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 Difficulty submitting a dispute or getting information about a dispute over the phone	NY 10550	Web
I was informed last week wednesday to pay XXXX I went ahead and paid the XXXX on XX/XX/20 before any reporting however I was informed today that I was supposed to pay XXXX and no one has advised me of this and this has been nothing but a headache and confusion I had XXXX this company lied and charged me fees and now I have credit reports 30 days late and my account has been sent to some agency and im not aware of this I am asking for an fix asap my credit is affected and this to be fixed and to speak with the agent who did not advise me to pay XXXX.
10/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	VA 228XX	Web
My ex-wife took out several loans and CCs in my name, at no time was I aware of any loans and certainly didn't apply for any. I talked with representatives from all companies and verified my name and SS was used but it was with her email and phone numberXXXX XXXX XXXX company performed an investigation and quickly concluded that it was absolutely fraud. Upstart refuses to perform an investigation even after providing proof and letters from the Federal Trade Commision requesting an investigation, and to have the loan removed from my credit history.
09/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	CA 94609	Web
Hello, XX/XX/21 - Someone is trying to take out a loan in my name with Upstart , Inc., I received notice via email. I called Upstart to try and stop the application from proceeding and they told me they couldn't do anything about it because I did not have enough of the contact information that person impersonated me provided in the application. I had the email address and my full name but they told me it's in their policy that they can not do any at all to stop the application if I do not have the address the person used to open the application.
08/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA XXXXX	Web
This is my complaint for UPSTART NETWORK INC. I believe that my information is being misused and reported as inaccurate. In my credit report from XX/XX/2023, I found some derogatory items that I was not aware of. I found fraudulent charges and account with inaccurate information, such as payment history, status,, balance, and date of last activity. According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions
09/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	NC 27603	Web	Servicemember
The company reported me as 30 days past due but during that 30-day period, I was unable to manually go to their website and make a payment. I did eventually call them to report the problem and was informed I could also make the payment by phone so I did immediately. I actually have 2 loans with this company and did not have problems accessing the other loan and made that payment on time. They are now showing on my credit report as 30 days late and it is negatively impacting my credit. I disputed the record but they refused to change it.
06/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 752XX	Web
Dear Sir/Madam : My credit report contains inaccuracies regarding late payments. I'd like the credit bureaus to erase the inaccuracy from my credit record. On this account, I was NEVER LATE. I'll say it again : I've never been late with a payment. I can challenge erroneous status on my credit report under the Fair Credit Reporting Act. These credit agencies are providing inaccurate data, and I'm curious as to what they're basing it on. They can't prove I was late, and they aren't CORRECTING OR UPDATING this information in their records.
04/25/2023	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	MI 48045	Web
I have contacted XXXX multiple times and have sent letters and a FTC report before. They are saying they don't have my documents. I have the following inquiries I did not authorize reporting on my report. Also, my Bankruptcy is dismissed and did ot move forward and should be updated as well. XXXX XXXX XXXX Hotel and Travel ) XX/XX/XXXXXXXX XXXX ( Upstart ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Bankruptcy XX/XX/XXXX
12/03/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	IN 471XX	Web
I submitted my application and told i was pre approved. I uploaded my ID, paystubs and all information that was requested. I received an email saying that they were unable to verify my information. I called and asked what they were unable to verify and they would not tell me. I find this very misleading and very poor service. They should be able to tell me why they are having trouble verifying my information. I have good credit and waited 2 weeks for this and this loan company can not even tell me why my application was denied.
07/12/2022	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 32246	Web
I have a plethora of unauthorized inquires hard and soft from this agency. Dates starting XXXX, there are multiple that were done just in one month. I have several dating back from XXXX even XXXX. These inquires were not authorized or verified to be authourized by me especially the ridiculous amount of times it was inquired. These inquires whether hard are soft are damaging to my credit profile while being inaccurate and unauthorized. I was not made aware even by two of the three bureaus whom has the most from this agency.
02/20/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 92881	Web
They have violated federal law regarding my personal loan with them and are unresponsive in working with me to address this predatory loan scam. I have called, mailed and other actions in order to get them to cancel my loan based on TILA, FTC, and EFTA laws that were broken by them. I have CALLED, EMAILED and EVEN SENT CERTIFIED MAIL TO ALL OF THEIR CORPORATE OFFICES to resolve this issue with no luck. This company has been violating the FDIC enforcement order of unfair and deceptive practices as seen here https : XXXX
10/10/2023	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	CA 90405	Web
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. UPSTART NETWORK INCXXXX XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
05/06/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MN 564XX	Web
I took out an online loan due to financial crisis. I was advised by a financial counselor to investigate whether this loan is legal/valid, as online loans are illegal in MN and lenders need an XXXX # to do business in MN. They do show an NMLS # on their website, but question whether it's valid # XXXX. Upstart is financed through XXXX XXXX XXXX XXXX, which I have another online loan with ( XXXX XXXX who has no XXXX # ) both headquartered in XXXX XXXX XXXX, Utah. Guessing 1 or both loans are illegal/invalid??
06/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	HI 96706	Web
Upstart reported 30 days late on a {$30.00} late fee. They took my regular payment on time out my bank account but reported {$30.00} fee. I asked them why would they take out my regular pay if I owed more, and report the fee. I uploaded XXXX and XXXX you can see they took normal pmt if I owed 30 more why not take that too. Then in XXXX my normal pet again was taken plus additional fee {$85.00} then they credited the {$30.00} to my account this is predatory. I don't agree with their decisions of being late.
06/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91355	Web
In accordance with the fair credit reporting act, UPSTART NETWORK INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX has violated my rights. 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC Section 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.
11/09/2023	Yes	Debt or credit management Debt settlement	Didn't provide services promised	NY 10473	Web
I paid my upstart loan off, Then they sent my stuff to collections. in accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 16 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose
12/23/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CO 80401	Web
I am up to date with my monthly payment obligations yet on XX/XX/2022 ( in-between the due dates ) made a principal only payment in the amount of {$10000.00}. I specified to have it applied to principal yet it was not. When asked why, UpStart stated all payments will be applied to principal, interest and fees. According to my promissory note, any partial payments which includes principal payments are to be applied to principal solely when monthly obligations have been met. This is banking 1-on-1.
09/04/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	NC 28560	Web
The company Upstart will not quit harrassing my wife and I. Every week we recieve six advertisement letters for us to apply for one of their loans. I called them twice and politely ask they remove us from their mailing list, the first lady said " i dont know what to tell you '' and hung up, the second person said they cant remove us from their mailing system. We have no loans with this company, we've never purchased anything from them. They also call my phone everyday asking me to apply for a loan.
08/31/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 78758	Web	Servicemember
I have been struggling to make payments on my Upstart personal loan since the beginning of the COVID 19 pandemic. I believed I was in a forbearance plan but my account is still being reported as past due. I have submitted a hardship assistance form twice on the Upstart website and made a call on XXXX XXXX to inquire on the hardship request and have received no response to any of my communications. I have made many good faith efforts to get my account back on track but have received no assistance.
12/16/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	PA 19038	Web
Took out a loan in XX/XX/2020, online for {$2000.00}. No information sent regarding payments, interest, how to pay nothing. Spoke to a rep in XXXX who removed late fee, said that bills would be mailed and made sure it wouldn't be on my credit report. XX/XX/2020, no information received, rep states they have a different email. So now my privacy compromised, late fees and it is on my credit report as late. Rep would not remove fee or reverse information on my credit report. I paid all monies owed.
12/03/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	FL 32034	Web
I checked my credit report on XX/XX/20, and discovered 3 credit inquiries that were fraudulently made in my name attempting to get funds from Upstart. The inquiry dates were on XX/XX/20, XX/XX/20, XX/XX/20. I immediately put a freeze on all three of my credit reports with the bureaus. I spoke with a customer service representative with Upstart who informed me that {$4000.00} was approved and close to {$4000.00} in funds were given to the person who fraudulently completed the loan application.
12/05/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	FL 33155	Web
So I applied for a Personal Loan after i received a Marketing Ad by Mail of which mas misleading with the displayed percentage they were showing i later applied and got approved and have been making payments but struggling since the interest is extremely high and every time make it harder to make payment. The Interest rate i never thought would be so high and so impact. the loan was for {$16000.00} i have made 5 payments of {$420.00} and the principal balance has only dropped to {$15000.00}.
06/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	WA 98074	Web
I filed an XXXX complaint regarding a massive money laundering. Identity theft has happened as a result of this incident. Personal loans were fraudulently taken out on my name. The XXXX complaint shows evidence of money laundering. The company is unwilling to take the loan out of my name because the transfer from the bank to XXXX was initiated by me. But there was money laundering from XXXX. I did not realize that the funds were from an unsecured loan that I did not take out. XXXX # XXXX
08/11/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	CA 91331	Web
Well i called theyboffered me XXXX, and said i coukdget that and i would just have to pay {$80.00} as insurance a payment up front in case i miss one, in need i sent it, then i did not recieve anything called the next day tthey said fdc has a hold on it paened my items to pay for XXXX was sent nothing the next day i called asked for my money back they clamed to send it back to me but havent received anything and now they dont answer my call XXXX Name is claimed to be XXXX XXXX with upstart
05/22/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NY 10024	Web
XXXX was removed from my account arbitrarily. I havent missed any payments or caused any login issues. I am unable to access my account to view balances, confirm payments are correct, or make any changes. Payments are still being debited from my account but I have no way of confirming they are correct and no way to contact the lender. When I reached out to support I received a message saying the issue will resolve itself and if not to call a support line during inconvenient hours.
07/25/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CO 80209	Web	Older American, Servicemember
I applied for a personal loan. After some back and forth I decided to withdraw my application. Their process was flawed and i lost faith in their ability to be on top of things. i asked them to remove my collected data from the application from their database. They refused. When i asked them to explain why they said it was against the Fair Credit Act rules and regulations. I asked them to send me the particular section relating to that, several times, and have heard nothing back.
10/08/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	MO 630XX	Web
Refinanced my car through Upstart in XXXX of 2022. Had to send my title in from previous finance company. It is now 5 months later and still no title. Reached out multiple times regarding this. Last contact was told title was released to the XXXX on XX/XX/XXXX. Titles in my state come in the mail within 7 days. Purchases a car for my son and registered in XXXX, recieived it in 7 days. I have reached out 3 more times in the past month and Upstart ignores contact without response.
11/20/2021	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	CA 95112	Web	Servicemember
On XX/XX/XXXX, I noticed there was a balance on my credit report from Upstart. The loan was cancelled and I was trying to remove this from my report due to there still being a balance and my inability to negotiate to pay and remove this issue from my credit report. Also, the loan is listed in as a student loan. This was private loan for a coding bootcamp called XXXX XXXX ( XXXX ), which did not satisfactorily land me a job, nor were they even officially accredited at the time.
04/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92021	Web	Servicemember
In accordance with the fair credit reporting act, this creditor UPSTART NETWORK INC. has violated my rights. On their 15 u.s.c. 1681 section 602, states I have the right to privacy. 15 u.s.c. 1681 section 604a, section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. On their 15 u.s.c. 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
08/07/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	VA 23602	Web
Was approved ( not stated as pre-approved but actually approved ) for {$2900.00} on XX/XX/2021 then denied on XX/XX/2021 after they received all my banking info and links to my bank account. Really feel like this is a bait and switch tactic to get all your personal information. They replied that so much had changed on my credit that they couldnt actually give me the loan they approved me for. I linked all my bank information to them and I feel like I have been scammed.
08/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CO 80238	Web
n accordance with the Fair Credit Reporting Act this creditor, Upstart, has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " I have the right to Privacy ''. 15 U.S.C 1681 section 604 A section 2 " also states a consumer reporting agency can not refurnish an account without my written instructions ''. Under 15 U.S.C 16668 " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
07/27/2023	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	NY 11758	Web
In accordance with Fair Credit Reporting Act, Upstart has violated my rights under 15 USC 1681 Section 602 which states I have the right to privacy. My rights were also violated under 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1668b states a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
10/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11553	Web
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under Act 15 U.S.C. 1681 Section 602 states " I have the right to privacy ''. 15 U.S.C. 1681 Section 604a Section 2 also states " a consumer reporting agency can not furnish an account without my written instructions ''. Under 15 U.S.C. 1666B " a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
09/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89131	Web	Servicemember
In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 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 refurnish an account without my written instructions. Under 15 U.S.C. 1666B A creditor may not treat a payment on a credit card account under an open and consumer creditor plan as late for any purpose.
11/30/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Struggling to pay your loan	SC 296XX	Web
I called on XX/XX/XXXX and XX/XX/XXXX. I have been paying on this loan for 2.5 years. I have made 30 payments. The loan amount was XXXX after an XXXX processing fee no one told me about. To date I have repaid almost XXXX and the loan balance is still over {$10000.00} dollars. The XXXX dollar monthly payment is causing me to not be able to pay my current bills. I am at a point that I am seriously considering bankruptcy because I can not get help.
09/06/2023	No	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92394	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 an 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.
05/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 359XX	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 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
05/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11423	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 an 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.
09/12/2023	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	FL 344XX	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.
08/10/2023	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	CA 94568	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.
12/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33071	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 an 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
07/07/2021	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 60901	Web
I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
03/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IN 46236	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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
05/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 08755	Web
In accordance with the fair credit Reporting act UPSTART Network Inc, 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 an account without my written instruction. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late on purpose.
10/30/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	MI XXXXX	Web
XX/XX/19 i was looking at loans and reading terms quicker than normal to see how long it takes. For me to mkve on i had to sign. I signed and ended it the next day money was in my account i emailed them after i sogned that i dodnt want the loan it was a mistake. I paid all the money back same day it came onto my account and talking to them i still owe XXXX in interest. Though it was all done in a day. They refuse to talk to me
08/10/2022	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 XXXXX	Web
In accordance with the Fair Credit Reporting Act XXXX Account XXXX, has violated my rights. 15 USC1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
07/12/2023	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 344XX	Web
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as 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 significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
11/02/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	GA 30019	Web
I called Upstart and wanted to inform that Im Enlisting in the United States XXXX XXXX and will be shipping out to XXXX XXXX on XX/XX/XXXX and need to defer my payments due to me not being able to be present and make payments and is listed in in my SCRA benefits. They told me they couldnt defer my payments and will put negative reports on my credit score which is entirely against the specifications of SCRA Protection laws
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	NC 283XX	Web
On XX/XX/2021, I received a packet from UPSTART Network for an account that is listed as a Charge Off and is reporting on my Consumer Report. The IRS deems a Chargeoff account as income and you report it on Form 1099-C to the IRS. So this means this company is fraudulently reporting income to the credit reporting agencies which is a violation of the law. I have disputed this with the company and they have done nothing.
09/28/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	LA 70605	Web
I had contacted the debt collector to negotiate a settlement and begin paying my debt that I was owed and he threatened me that I was in pre-litigation status and I had to pay this month. If I don't pay it will be forwarded to a legal attorney for judgement. I had to tell them I can't pay this month, it had to be next month because thats when I will get paid. The threats were not necessary for someone willing to pay.
08/16/2023	No	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	CT 06492	Web
XXXXXXXX XXXX is herrassing me. I told to stop calling and I am contacting an attorney. They continue to herrass me with calls that I keep blocking and letters. They opened an account on my credit report without my knowledge or permission. I feel they are stealing my identity as I am already a victim of identity theft in the past. I was not aware they were allowed to open an account under my name without permission.
01/07/2023	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 95758	Web
I have attempted to contact the fraud department several times with the UpStart Loan company to report a personal loan that was taken out under my name and information, however I have not received any calls back despite attempting to contact them. I have spoken directly to customer service representatives on XX/XX/23 and XX/XX/23 who advised I would receive a call back, but have not been contacted at this time.
03/19/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	OR 972XX	Web
Upstart Network Inc has been unresponsive to my many request to remove their incorrect posting from my credit reports. They state I have charge off balance owed in the amount of {$33000.00}, this account was discharged in my bankruptcy filing XX/XX/2018. I've contacted the Credit Bureaus and I have contacted Upstart Network Inc multiple times and they continue to report this incorrect debt on my credit reports.
06/09/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	CA 90017	Web
After looking on my credit report, i've noticed accounts that in my name with my authorization. My information was available on the dark web after my identification was stolen. The companies below have not acknowledge the fraud on these accounts. XXXX XXXX XX/XX/XXXX {$7600.00} XXXX XXXX XX/XX/XXXX {$13000.00} XXXX XX/XX/XXXX {$2500.00} XXXX XX/XX/XXXX {$870.00} UPSTART NETWORK XX/XX/XXXX {$10000.00}
03/30/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	FL 33161	Web
I applied for a personal loan on XX/XX/XXXX with Upstart Network and was approved for a loan of {$1000.00} however I did not accept the amount, because I did not need it at the time. The loan offer expired so I reapplied on XX/XX/XXXX and was denied due to high balances on accounts and insufficient credit history which were all on my credit when I got the approval back in XXXX but in XXXX I got denied.
02/03/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NY 10022	Web
Upstart had filed a suit against myself. We were able to settle outside of court. We have paid them their full ask and we were told we would not be sent a 1099 on the amount of forgiven debt. We did receive a 1099 and I called to find out why we received it when we were told we wouldn't and how the amount was calculated. They did not give me any details and they said lawfully they did not need to.
02/02/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	FL 33032	Web
Upstart report that I was 30 days late on my payment l to the credit bureau but on the XXXX when I made the payment it wasnt late they never inform me me that my payment was return couple days after they report the credit bureau they should have called me or mail me to let me know and I ask them for a forgiveness but they keep saying they can not and it ruin my credit score when it wasnt my fault
11/14/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	NY 10128	Web	Servicemember
Upstart networks is a fraudulent charge company, reporting a fraudulent account on all 3 credit bureaus. Upstart is reporting that I opened a loan with XXXX XXXX and XXXX. I received a call from over 2 months ago that they deemed this fraud and would be removing the fraud account on file with XXXX XXXX and XXXX and never did. remove the FRAUDULENT MARKING ON ALL 3 CREDIT BUREAUS IMMEDIATELY.
08/25/2015	No	Consumer Loan Installment loan	Managing the loan or lease	FL 32082	Web
UPSTART STILL WILL NOT UPDATE CREDIT BUREAU THAT THIS ACCOUNT IS PAID OFF IN FULL WITH XXXX BALANCE AND ZERO PAYMENT DUE PER MONTH. I AM CLOSING ON A MORTGAGE LOAN ON XX/XX/2015 AND MUST BE PAID OFF OR A LOSE EARNEST MONEY. BUREAUS SAID THAT UPSTART CAN MANUALLY UPDATE BUREAUS REFLECTING PAID OFF STATUS WITHIN THEIR CREDIT DEPT EASILY RATHER THAN WAIT THE AUTOMATIC MONTHLY FEATURE. XXXX
04/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 207XX	Web
I have contacted upstart numerous times as well as opened several disputes with every credit bureau regarding the inaccurate information regarding my payment history in XXXX of 2021 and XXXX of 2021. I have email statements verifying that I was never 30 days late in these months and yet none of my credit reports are being updated accurately reflecting my payment status with this account.
04/18/2023	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	TX XXXXX	Web
I've disputed inaccuracy on my credit reports. I've asked all three credit bureaus to verify the accuracy of the accounts if not, remove them. I've asked specifically for those who verified the accuracy of the account and to verify the accuracy across all three credit files. The information always comes back as verified with no information on how or who verified the information.
09/11/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	CT 064XX	Web
I paid the late fee and regular payment for XXXX XXXX on XXXX XXXX, XXXX. I paid the entire amount outstanding for the month. The company reported me as being late because of their mistake of miscalculating the amount owed by {$0.00}. Yes, I wrote XXXX cents. This was not even my error, and over XXXX cents, they reported my payment more than 30 days late when it was n't.
06/07/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	VA 22314	Web
Complain about their predatory interest and how the payments I was making was only paying the fees and not the balance, and I also found it strange that they give you option to pay early but it still only covers the fees not the balance, so in the end one still is obligated to pay the complete interest fee the want which is XXXX the same amount as the loan it self.
12/10/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 77433	Web
I requested for a hardship modification with upstart almost 3 weeks almost month ago I have not heard anything back from them and they keep saying they're going to get back to me and that's not happening this may cause negative credit reporting. I previously submitted for a hardship program same information nothing 's changed it was done rather quickly
12/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76011	Web
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from. my credit reports.
09/26/2021	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	NC 28110	Web
Upstart Network Inc illegally obtained my information and ran a credit check in order to advertise to me. I have never given them my social security number, nor filled out a loan request. They hacked my info and filled one out for me, then ran my credit. There is no signature from me giving my permission, nor have I ever even clicked on their website.
11/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Report provided to employer without your written authorization	NC 27603	Web
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX without my authorization and permissible purpose my consumer report was accessed for promotional purposes without my knowledge by UPSTART NETWORK INC located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I have sent a communication to the responsible party which I will be attaching to this complaint.
05/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL XXXXX	Web	Older American
Company is reporting info on account where the last date of activity on the original account has been more than 7 years ago. There has been no verbal activity, like a payment arrangement or acknowledgment of the original debt, They are now illegally reporting negative information to credit reporting agency ( e.g., XXXX, XXXX XXXX, XXXX, or XXXX ),
09/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11216	Web
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family, please remove the fraudulent accounts from my credit report as soon as possible
01/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33179	Web	Servicemember
Hello, I successfully filed for chapter XXXX bankruptcy on XX/XX/2020. I did It is now XX/XX/XXXX and I am still receiving derogatory remarks on my credit report from credit companies stating that " You have one or more accounts showing missed payments or derogatory indicators. '' and " You have a serious delinquency or derogatory indicator. ''
07/31/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78747	Web
I attempted to contact the company 5 times to get verification of debt. They claimed they could not give it to me and I would need to contact a different company. When I started that I needed verification from them, as they were the ones to supposedly purchase my debt I was talked down to and hung up on several times. XXXX XXXX is the company.
03/10/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 957XX	Web
XX/XX/10 Applied for the loan online and got approved Called in to check for loan amount increase per pre approval i can get higher amount Rep hang up on me and cancel out my application without authorization Called back in and they will not reinstate the app - Instead they asked me to apply with a different email address which makes no sense
03/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 71603	Web
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 an 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 purpose.
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	TX 75013	Web
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 purpose.
02/03/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	NJ 07011	Web
I was denied an extension of credit by XXXX XXXX XXXX. On XX/XX/2022 I submitted a personal loan application through XXXX and was sent an Adverse Action on XX/XX/2022. The letter from XXXX XXXX XXXX is proof and evidence that I have been discriminated against. XXXX XXXX XXXX has violated my federally protected consumer rights.
07/19/2021	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	RI 02907	Web
I have contacted them before and they told essentially there was nothing they can do. How is the current balance of $ XXXX is still being shown although I have the current balance down to $ XXXX? Im trying to build up my credit and I thought this company was going to be able to help me out but the lack of effort is concerning.
06/19/2017	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MD 211XX	Web
Invested in loans with Upstart. I have my account settings on " do not reinvest '' for several years. I just received an email that I made XXXX loans for {$100.00} each/ {$300.00}. I tried to contact the company by email and phone. I received an automatic email and they never answer the phone ( on hold for over an hour )
03/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77084	Web
UPSTARTXXXX Reported : XXXX. XXXX, 2022 This account has been settled for an agreement that it would be removed from my report when paid. I have paid the account settlement yet the account still shows as : Payment History Last payment XXXX XXXX, 2022 Current Payment Status In Collections/Charge-off Account status Derogatory
04/20/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	NY 121XX	Web
I applied for a personal loan for {$3500.00} to consolidate credit card debt. I just received an email stating that I was approved and to go in and sign the loan and then the declined me and I had multiple hits to my credit from them. How can I be approved and have an email saying that and then they change and decline it?
05/01/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	OR 978XX	Web
I want this company to stop pulling payments early. It is not the 1st time they have done this. I have emailed asking them to stick to the contract and never get a response. I have called and been told it will not happen again, yet here we are. Another month where my payment, which has never been late, is pulled early.
01/11/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	OH 44903	Web
According to XXXX XXXX I had good odds of getting my car loan refinanced with a company called upstart. On XX/XX/2023 after a soft pull I was given a quote and they asked to do a hard pull at that point. What they didn't tell me was they had mileage and usage limitations. I wasted my time and damaged my credit score.
02/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 44102	Web
For 3 months, randomly spread throughout 2 years now, Upstart has said I've paid late but it won't be reported to credit bureaus. And when I checked XXXX XXXX my credit score has taken a HUGE HIT due to this. I've made payments on time. Do not go through these people they will try to over charge you anyway they can!
09/19/2023	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	CA 90046	Web
Despite multiple written requests, the unverified account listed below continues to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account or get rid of it below : UPSTART NETWORK INC. XXXX
05/29/2023	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	GA 30188	Web
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX account number XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. states I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my consent.
08/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27606	Web
Final payment on loan with automatic payments was never taken and I was unaware that there was a remainder left on the loan and it went delinquent Auto payments were made on time in amount of {$830.00} for entire term of loan Remainder amount of {$72.00} was never drafted from my account or added to last payment
09/10/2022	No	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	VA 226XX	Web
Received a offer in mail stating I was pre approved for a loan from a lower amount to a high amount. I then required to basically re do application even though I put in a pre approved code. I'm then denied after all that. I was also asked how much I needed. So they lie about pre approved so clients can apply.
04/20/2023	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	MD 21206	Web
These debt collectors engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
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	AZ 85303	Web
15 USC 1681- ( 2 ) ( A ) ( i ) 2 exclusions states subject to section 1681s-3 states : Any report containing information solely as to transactions or experiences between the consumer and the person making the report. This means it's a violation of the FCRA to report late payments as they are transactions.
09/23/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	XXXXX	Web
Hello when I enquired the link I had given my details and applied for a loan. The company had within minutes approved my loan and moved funds to wallet wherein they are requesting me to withdraw and use. Please want to cancel this loan and delete the app. Please help me cancel the loan and also the scam.
09/04/2023	Yes	Debt collection I do not know	Electronic communications Frequent or repeated messages	NJ 07032	Web
This company Upstart inform me they sold a account under my name to another company. Its mean they sold all my private and or federal personal information like Names and last name, adresses, SSN #, birthday and or phone numers... Company like this sold all information of client to other companies...
01/13/2022	No	Payday loan, title loan, or personal loan Installment loan	Getting the loan	OH 45238	Web
I was denied for a loan on the basis of not being able to provide a copy of my college transcripts. When I called in the representative that I spoke with on the phone told me that it was okay not to have them and that most people are able to provide copies. I believe that I'm being treated unfairly.
01/20/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	KS 66213	Web
Upstart has continuously charged interest on extra principal payments. When I started paying the monthly payment, the interest charge was reasonable. I paid a total of XXXX and was charged an interest of XXXX from it. As time went on Upstart began to take over 60 % as charge even after paying more.
09/25/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	NY 14150	Web
I was in the hospital for the end of XXXX and XXXX and unable to put money into my account. Ive been trying to make payments using a different bank account but it keeps attempting to take it out of my other account. It is now negatively reporting on my credit because this issue hasnt been fixed.
12/03/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Incorrect information on your report Information belongs to someone else	TX 75149	Web
i was apart of an XXXX data breach settlement and accounts were opened and i would like these accounts removed. 3 accounts were opened under my name XX/XX/XXXX - {$3300.00} XX/XX/XXXX - {$10000.00} XX/XX/XXXX - {$6500.00} I have reached out to the company but this issue has not been resolved
08/03/2022	Yes	Checking or savings account Other banking product or service	Problem with a lender or other company charging your account Transaction was not authorized	NY 11561	Web
UPSTART LOAN, HAD A LOAN TAKEN OUT IN MY NAME, THE FUNDS FOR THE LOAN WERE TRANSFERRED INTO MY BANK XXXX XXXX ACCOUNT # XXXX THE UPSTART LOAN NUMBER IS XXXX THE LOAN WAS NOT TAKEN OUT BY ME AND WAS FRAUDULENT ON ALL ACCOUNTS THE DATE THAT THE FUNDS WERE TRANSFERRED TO MY ACCOUNT WAS XXXX XXXX
03/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or missing disclosures	VA 24501	Web
Paid in Full, Upstart predatory loan. Have copy of Paid in full letter sent with Paid in Full amount to zero. Cashed check front and back of Upstart. And they are hurting my credit and still hounding me when this is paid in full want it off reports or corrected to help build my fico scores.
07/27/2023	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 Problem with personal statement of dispute	CA 90240	Web
I was diagnosed with XXXX and missed a loan payment. Ive sent them a doctors note which stated I was admitted into a hospital for care. According to the CARES Act - Covid was deemed a Natural Disaster and National State of Emergency and I should not have my credit penalized.
04/29/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NY 11201	Web
I've tried logging into my Upstart account, when I get in I click on " View Your Account '' I keep getting an error message ( attached ). I've tried XXXX, XXXX XXXX XXXX. I've also tried different networks. As a result, I've been unable to make a payment to my account online.
04/25/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 328XX	Web
I received an email in regards to the payment on my auto loan with Upstart. I received the email at XXXX. According to Florida regulations it is against the law to contact an individual by phone or email prior to XXXX. There are fines associated with breaking this law.
09/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	FL 32703	Web	Servicemember
I filed for bankruptcy but I still have the account appearing on my credit report because Upstart changed something in their system about the account although it is the same debt. The account is closed and show bankruptcy not charge-off or be removed from my account.
03/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 923XX	Web
Upstart loan was paid off in full in XXXX of 2022 but it still showing on my XXXX credit report as active with an open balance of {$1300.00}. My account on Upstart is showing that the loan has been paid in full, but this hasnt been reported to XXXX XXXX properly.
10/27/2020	Yes	Debt collection Other debt	Communication tactics Called before 8am or after 9pm	AZ 85051	Web
Everyday around XXXX Arizona pst time UPSTART loans calls me and always wakes me up when I still dont have to be up for work yet. I know They are not suppose to call before XXXX XXXX my time! But they always do! I have The screen shots of missed calls to prove it.
05/01/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	WA 98391	Web	Servicemember
Upstart is a huge scam for low income people, I got the loan to pay off my bills and whenever I missed a payment because I lost my job they wouldnt pause it and kept charging me interest and sent it to collections and didnt understand my situation its so predatory
02/26/2023	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	NY 10458	Web
Upstart network inc obtain and accessed a copy of my XXXX consumer report without my written authorization. I never gave this company authorization to XXXX a copy of my XXXX consumer report. I also sent a notice of dispute for unauthorized credit inquiry by mail.
06/24/2023	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 Difficulty submitting a dispute or getting information about a dispute over the phone	PA 19027	Web
This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.
04/29/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	CA 90272	Web
Applied for {$45000.00} personal loan for a major purchase and was approved via an email and when I called in to verify the company said it was a marketing email although I just applied for that amount. So much for paying for that operation. See attached email.
11/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 07080	Web
Called up companies that are reporting negative activity on my credit profile requesting information on the accounts. I havent received documentation however when I dispute the accounts with the credit bureau it comes back as valid. These accounts are not mine
10/27/2020	Yes	Debt collection Other debt	Communication tactics Called before 8am or after 9pm	AZ 85051	Web
XXXX around XXXX Arizona pst time XXXX loans calls me and always wakes me up when I still dont have to be up for work yet. I know They are not suppose to call before XXXX XXXX my time! But they always do! I have The screen shots of missed calls to prove it.
08/04/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 90717	Web
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
10/12/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Incorrect information on your report Account status incorrect	TN 37174	Web
My loan was paid off early on XXXX and Upstart refuses to inform credit reporting agencies that the loan is paid off and closed. I contacted them several times and filed a dispute with XXXX. Upstart said my account is still active. Loan is number XXXX
05/17/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33020	Web
Upon reviewing my personal credit report, I noticed accounts that I do not own were opened in my name. I noticed fraudulent accounts and inquiries that I did not authorize on my credit report and it is preventing me from receiving credit and housing.
11/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 94533	Web
I request that XXXX companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX not to report to any Credit Reporting Agency 's Pursuant to 15 USC 1681 where I have the right to opt-out of reporting any payments, history or any account information.
10/31/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WI 53149	Web	Servicemember
Account status had not been updated since XXXX of XXXX Account was paid off in XX/XX/2023. As of XX/XX/2023 account is still not updated as paid in full on credit reports for all three reports. Company is refusing to ensure update takes place.
11/07/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	XXXXX	Web
Date I pay money for recharge XXXXXXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX Total I pay XXXX to recharge After recharge they block my XXXX numbe. I try to contact with other number but he didn't talk to me and didn't give my recharge money back
12/09/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA XXXXX	Web
Please find attached. I have asked Upstart for further cooperation due to the Covid-19 global pandemic and they want to increase my payments instead and mark me as late on my consumer reports if I do not pay them. Please find attached letter.
02/08/2023	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 11731	Web
My letter sent certified mail on XX/XX/2023 was delivered and signed for on XX/XX/2023. I have requested validation of debt, and to this day have not received this from the company. This debt is reporting inaccurately on my consumer report.
07/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NV 89031	Web
I have a late payment and I make all my payments on time I can take that payment late is the first time I see that because I do not like to have late payment on my credit report I can remove that late payment in my credit report please
09/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MI 482XX	Web
on XX/XX/2023 XXXX/UPSTART NETWORK XXXX INC XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX gained unathorized access to credit report during this process my credit declined as well my creditworthiness. A violation of 15usc1681
06/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 279XX	Web
A loan account was setup with monies put into checking without my permission. Monies were wired to another account out of my account. Now loan company wants to be paid in which I do not have the funds as I am on a fixed income.
07/28/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	AL 36301	Web
They claimed I borrowed money from them but I have no knowledge of it. I will not pay for a debt I do not owe. Its going on years now and I will not pay for a debt I do not owe therefore they need to take it off my credit report
06/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY XXXXX	Web
I have these accounts that are not mine nd i want it to be remove from my credit report asap. 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX Account Number : XXXX This is not mine.
03/28/2022	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	SC XXXXX	Web
Called several distant family members claiming they are trying to serve me papers. I would love to see these papers. They claimed to be from my county clerk 's office and needed me to call back because they needed my signature.
03/07/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60641	Web
Upstart Network Inc. Date Opened : XX/XX/2017 This company is negatively effecting my credit. This personal loan owed is already paid. I wanted this collection removed because it effecting my efforts of getting a mortgage.
04/13/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	RI 02905	Web
My XXXX XXXXXXXX XXXX she did fraud. I recently had to pull my credit reports up and discovered that my XXXX is apparently using my name and SSN to apply for credit. The credit reports showed many fraudulent transactions.
07/26/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	PA 18702	Web	Servicemember
I have made all my payments on time starting with the first one. There is a 30-day late payment on my credit report. I have tried talking to the lender about the error and they can't or won't help me fix this issue.
04/12/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TN 37042	Web
I getting sick and tried of them keep call me all day and include the weekends about a payment, which it comes out my bank account, If they keep calling I will have their number block and file a complaint to XXXX
08/15/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	FL 33032	Web
This account from upstart damage my credit and it doesnt belongs to me account number XXXX this account need to be remove from my consumer file I have attach a copy of my identity theft report below
01/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30215	Web
I filed a dispute with XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX in regards to the incorrect items on my credit reports. It has been well over 30 days, and I have not received any investigation results.
02/25/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	IN 46038	Web
Incorrect inquiry. Merchant refuses to remove UPSTART credit inquiry not authorized XXXX XXXX, 2017 Creditor Contact Details XXXXUPSTART NETWORK, INC XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
01/08/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Was approved for a loan, but didn't receive the money	VA 23666	Web	Servicemember
I signed for a loan with upstart loan and never received the {$10000.00}. Now I have a pending monthly payment of {$280.00} is due next month. I reached out to the company no answer or contact.
01/13/2023	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 20879	Web
In accordance with the Fair Credit Reporting Act XXXX account : XXXX XXXX XXXX Upstart Services has violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy.
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.
07/15/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MT 59105	Web
This loan is predatory. If you make nothing but the minimum payments you will never pay it off. Ive been paying since 2021 and I am at 0 %! Ive been trying but thats not ok!!
09/11/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 78758	Web	Servicemember
Upstart withdrew {$260.00} from my bank account without my authorization or request on XX/XX/2020. I received no notice of this and never scheduled or authorized a payment.
09/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 38654	Web
Please remove these following hard inquiries from my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX See attached documentation
04/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	MI 48219	Web
The inquiry XXXX must be removed from my account immediately. The reports has been pending for a while and Im waiting the response from the identity theft department.
11/22/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	VA 230XX	Web
My promissory note states all payments are first applied to unpaid fees, then late fees, then interest, then principal. This is late fee pyramiding and a XXXX issue.
02/03/2022	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	VA 231XX	Web
On XX/XX/2021 Upstart XXXX ran my credit report without my consent. They allowed an individual, other than myself, without verification, to run my credit report.
05/10/2021	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	NY 11238	Web
On XXXX XXXX upstart financial ran a unauthorized hard credit check, they did without my permission and told me I signed the authorization which I did not
11/07/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	IN 46037	Web
I had my identity stole and I two credit/ loans taken out under my social have police report and would like for these items to be deleted and removed
08/09/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CT XXXXX	Web	Older American
Im sent this loan pre-qualification nonsense. All the while Im XXXX with this company and others. Having me waste my time and energy.
06/04/2023	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 77571	Web
I recently lost my social security card and idea in my wallet I been noticing a lot of inquiries on my credit that I wasnt aware of
09/20/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	VA 23320	Web
They said 24 % interest o. Loan but after review of contract after signing the interest showed over 200 % becoming a vulture loan
08/09/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	VA 23518	Web	Servicemember
I have 3 loans with upstart. I requested a cease and desist to no longer get mail. They stated they can not comply.
08/06/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	NY 10036	Web
Upstart declined my credit application citing credit score when my score is better than the average consumer.
02/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 310XX	Web
I received a 1099-C cancellation of debt but still getting request from debt collector requesting money.
04/19/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Information belongs to someone else	FL 33619	Web
On XXXX 2021 a personal loan of XXXX $ was taken out in my name without my consent or my knowledge.
12/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 93552	Web
I want these inquiries deleted I did not authorize these companies to run my credit its fraudulent
11/14/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 19146	Web
My most recent payment of {$9500.00} on XX/XX/2019 and my Upstart loan has been settled in full.
11/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CT 06902	Web
This is not my account. Please remove this fraudulent account from my credit report. Thank you!
04/15/2022	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 60636	Web
I have contacted these companies numerous times and the credit bureau XXXX and provide reports
11/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10452	Web
I checked my credit report and saw this personal loan on it, which I have no knowledge of.
08/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	AZ 85210	Web
Outdated information from the month of XXXX in a previous year lingered on my XXXX report
09/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 07032	Web
This company Charge-off this account and did not send me a 1099c for this .....
03/31/2022	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Fraud or scam	TX 76014	Web
I was scam for my account for {$1000.00} and they wrote a check acting like me
05/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90260	Web
THIS COMPANY HAS PROVIDED AND COMMUNICATED TO ALL CONSUMER REPORTING AGENCIES
09/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	CA 95330	Web
Checked credit report found loans and lines of credit that were not mine.
01/31/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MS 388XX	Web
They refuse to send me a paper statement that I am entitled to by law.
04/30/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 349XX	Web
I did not take a loan out with this company and It on my credit report
07/10/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	CA 92881	Web
This lender is not working with me for this fraudulent
10/17/2023	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	FL 33056	Web
Remove all Fraudulent Accounts immediately!
02/09/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 93230	Web

02/07/2024	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Getting a line of credit	NC 275XX	Web

02/07/2024	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Problem when making payments	ND 58104	Phone

02/07/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85249	Web

02/06/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76705	Web

02/02/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27410	Web

02/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19003	Web

02/01/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 07090	Web

02/01/2024	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	PA 187XX	Web

02/01/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 95391	Web

01/31/2024	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	AZ 86314	Web

01/31/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29680	Web

01/30/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75010	Web

01/30/2024	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 11422	Web

01/29/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70123	Web

01/26/2024	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Incorrect information on your report Information belongs to someone else	NJ 08081	Web

01/26/2024	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AR 721XX	Web

01/25/2024	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Struggling to pay your loan	NJ 074XX	Web

01/24/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 18020	Web

01/24/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NH 030XX	Web

01/23/2024	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem with the payoff process at the end of the loan	DE 199XX	Web	Servicemember

01/22/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33157	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 29360	Web

01/19/2024	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 11731	Web

01/18/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 14207	Web

01/17/2024	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	OH 43228	Web

01/16/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85353	Web

01/14/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27614	Web

01/14/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19143	Web

01/12/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76549	Web

01/11/2024	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	LA 71110	Web	Servicemember

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60438	Web

01/10/2024	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Problem with a company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	TN 38125	Web

01/09/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77354	Web

01/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28376	Web

01/08/2024	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 945XX	Web

01/08/2024	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	AK 995XX	Web	Servicemember

01/03/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	UT 84045	Web

01/02/2024	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Getting the loan	PA 19438	Web

01/01/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 14094	Web

12/31/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28530	Web

12/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32210	Web	Older American

12/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 310XX	Web

12/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	DC 20001	Web

12/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77539	Web

12/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 43228	Web

12/21/2023	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Other problem	CA 95482	Web

12/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92879	Web

12/19/2023	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	CA 92106	Web

12/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AZ 85338	Web

12/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28027	Web

12/18/2023	Yes	Debt collection Payday loan debt	Electronic communications You told them to stop contacting you, but they keep trying	MS 395XX	Web

12/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VT 054XX	Web

12/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OK 74115	Web

12/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AL 35242	Web

12/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	DE 19701	Web

12/12/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	TN 37322	Web

12/10/2023	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	FL 33301	Web

12/08/2023	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Getting a line of credit	GA 30228	Web

12/05/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Incorrect information on your report Account information incorrect	NJ 07036	Web

12/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75150	Web

12/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	SC 29730	Web	Servicemember

11/30/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32533	Web

11/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 22315	Web

11/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77384	Web

11/21/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Incorrect information on your report Information belongs to someone else	MI 48642	Web

11/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33167	Web

11/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89031	Web

11/15/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11722	Web

11/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89031	Web

11/13/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	PA 17104	Web

11/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77064	Web

11/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92553	Web

11/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 22408	Web

11/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 45417	Web

11/07/2023	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Getting a line of credit	OR 97211	Web

11/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90504	Web

11/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30506	Web

11/03/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Struggling to pay your loan	NC 28278	Web

11/02/2023	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	TX 78413	Web

11/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48047	Web

10/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33916	Web

10/27/2023	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Problem with additional add-on products or services	AZ 85206	Web

10/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10452	Web

10/26/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem with a company's investigation into an existing problem Investigation took more than 30 days	FL 33070	Web

10/25/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem when making payments	NJ 07003	Web

10/24/2023	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Getting a line of credit	CA 94564	Phone

10/20/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Getting the loan	NY 11236	Web

10/20/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Getting the loan	TN 37129	Web

10/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NV 89117	Web

10/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20613	Web

10/19/2023	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 30040	Web

10/18/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Incorrect information on your report Information is missing that should be on the report	IL 60085	Web

10/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 95112	Web

10/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19137	Web

10/17/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	OK 74012	Web

10/17/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Improper use of your report Reporting company used your report improperly	NV 89012	Web

10/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60440	Web

10/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10475	Web

10/13/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Incorrect information on your report Account information incorrect	NJ 07470	Web

10/12/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Getting the loan	ID 83651	Referral

10/10/2023	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Incorrect information on your report Account information incorrect	IL 60612	Web

10/10/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem when making payments	NY 11215	Web

10/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 53217	Web

10/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75104	Web

10/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85710	Web

10/03/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	CA 90031	Web

10/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	MA 02466	Web

10/03/2023	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	CA 90005	Web

10/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31029	Web

10/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60452	Phone	Servicemember

09/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10304	Web

09/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30328	Web

09/22/2023	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CT 06513	Web

09/20/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted your employer	MI 48180	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	FL 33973	Web

09/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 91307	Web

09/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28547	Web

09/11/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Problem after you declared or threatened to declare bankruptcy	MI 48238	Phone

09/10/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Struggling to pay your loan	KY 40216	Web

09/08/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Incorrect information on your report Information is missing that should be on the report	FL XXXXX	Web

09/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OK 74115	Web

09/06/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Improper use of your report Reporting company used your report improperly	NC 27330	Web

09/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10034	Web

09/04/2023	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	DE 19720	Web

08/30/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	RI 02914	Web

08/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44120	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 Their investigation did not fix an error on your report	GA 30265	Web

08/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30214	Web

08/23/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 75403	Web

08/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77084	Web

08/17/2023	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 33570	Web

08/10/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Improper use of your report Reporting company used your report improperly	PA 19131	Web

08/09/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC 27520	Web

08/08/2023	No	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	TX 78744	Web

08/06/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Account information incorrect	AL 36801	Web	Servicemember

08/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 95991	Web

08/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27526	Web

08/04/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	OH 44144	Web

08/04/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 77082	Web

08/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	DE 19805	Web

07/31/2023	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 33596	Web

07/23/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	FL 33971	Web

07/18/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	PA 15131	Web

07/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 10453	Web

07/12/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 76016	Web

07/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11722	Web

07/09/2023	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	TX 77077	Web

07/05/2023	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	TX 75077	Web

07/05/2023	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	MA 01905	Web	Servicemember

07/03/2023	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 85138	Web

07/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32256	Web

06/29/2023	Yes	Payday loan, title loan, or personal loan Title loan	Received a loan you didn't apply for	OH 44134	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	MI 48433	Web

06/23/2023	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	MN 55426	Web	Servicemember

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 Investigation took more than 30 days	NJ 07885	Web

06/21/2023	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 Investigation took more than 30 days	NJ 07885	Web

06/20/2023	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	FL 33637	Web

06/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10466	Web

06/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30024	Web

06/15/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 77384	Web

06/09/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89148	Web

06/09/2023	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 33150	Web

06/09/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 91361	Web

06/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11729	Web

06/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31605	Web	Servicemember

06/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92630	Web

06/02/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85365	Web

05/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30046	Web

05/30/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	NY 10453	Web

05/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78626	Web

05/27/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Account information incorrect	NJ 07885	Web

05/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	NY 10463	Web

05/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75071	Web

05/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92115	Web

05/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AP 96362	Web

05/20/2023	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	IA 52806	Web	Servicemember

05/19/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NY 10550	Web

05/18/2023	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	LA 71269	Web

05/16/2023	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 Problem with personal statement of dispute	GA 30067	Web

05/15/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	NC 28025	Phone

05/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32043	Web

05/11/2023	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	NJ 07303	Web

05/10/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	DE 19807	Web

05/09/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	TX 77077	Web	Servicemember

05/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33181	Web

05/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76544	Web	Servicemember

05/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60438	Web

05/01/2023	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	MI 48045	Web

04/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33418	Web

04/27/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	AZ 85032	Web

04/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94589	Web

04/23/2023	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	MI 48219	Web

04/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11787	Web

04/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MN 55106	Web

04/14/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	NY 10460	Web

04/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32503	Web

04/03/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	VA 22314	Web

03/31/2023	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	VA 23221	Web

03/28/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CT 06489	Web

03/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92562	Web

03/22/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	WA 98422	Web

03/20/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IN 46205	Web

03/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94531	Web

03/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19120	Web

03/14/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 95678	Web

03/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OR 97223	Phone

03/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19120	Web

03/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32534	Web

03/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 08003	Web

03/08/2023	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 Investigation took more than 30 days	MA 01545	Web

03/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28306	Web	Servicemember

03/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 17025	Web

03/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 11369	Web

03/02/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NY 14223	Web

03/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MA 02145	Web

02/27/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Information belongs to someone else	PA 19115	Web	Older American

02/27/2023	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	IL 60647	Phone

02/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 72758	Web

02/20/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NY 11229	Web

02/19/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NY 11722	Web

02/18/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	IL 60201	Web

02/18/2023	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 76541	Web

02/18/2023	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	TX 76541	Web

02/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91406	Web	Servicemember

02/16/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 33414	Web	Servicemember

02/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 17055	Web

02/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19129	Web

02/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77025	Web

02/03/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MI 48221	Web	Servicemember

02/01/2023	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	CA 94531	Web

01/30/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85244	Web

01/29/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Credit limit changed	MI 48067	Web

01/27/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	GA 30052	Web

01/26/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 34669	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	GA 30281	Referral

01/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27284	Web

01/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 61615	Web

01/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 10065	Web

01/10/2023	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	VA 23513	Web

01/10/2023	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	CA 92123	Web

01/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32465	Web

01/06/2023	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NM 87110	Web

01/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33142	Web

12/23/2022	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	CA 92629	Web

12/22/2022	No	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	DC 20017	Web

12/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	GA 30032	Web

12/13/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	NC 27330	Web

12/08/2022	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 Their investigation did not fix an error on your report	MS 39110	Web	Servicemember

12/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19606	Web

12/06/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 77471	Web	Older American, Servicemember

12/06/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NY 10038	Web

12/03/2022	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 78261	Web

12/02/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	NJ 07040	Web	Servicemember

11/30/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	NJ 08759	Postal mail

11/17/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	IL 60201	Web

11/10/2022	No	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	TX 79934	Web	Servicemember

11/09/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Improper use of your report Reporting company used your report improperly	NJ 07022	Web	Servicemember

11/08/2022	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 Their investigation did not fix an error on your report	FL 33015	Web

11/06/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	VA 24202	Web

11/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 72113	Web

11/03/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 77025	Web

11/03/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 92320	Referral

10/31/2022	No	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	PA 15905	Web

10/31/2022	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	OH 44112	Web

10/25/2022	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CT 06405	Web

10/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33435	Web

10/23/2022	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	FL 33435	Web

10/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89081	Web	Servicemember

10/11/2022	No	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	OH 45014	Web

10/11/2022	No	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	FL 34203	Phone	Older American

10/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11435	Web

10/10/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	FL 32804	Web

10/08/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	FL 33138	Web

10/04/2022	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	KS 66503	Web	Servicemember

09/28/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95814	Web

09/28/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 20814	Web

09/28/2022	No	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	TX 79124	Phone

09/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93662	Web

09/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77077	Web

09/19/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	MI 48237	Web

09/17/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NC 28326	Web

09/15/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	OH 44118	Web

09/12/2022	No	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NY 12866	Web

08/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20906	Web

08/20/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AZ 85020	Web

08/17/2022	Yes	Debt collection Payday loan debt	Communication tactics Used obscene, profane, or other abusive language	TX 77040	Web

08/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 63043	Web

08/11/2022	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 91367	Web

07/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 17015	Web	Servicemember

07/18/2022	Yes	Payday loan, title loan, or personal loan Pawn loan	Received a loan you didn't apply for	VT 05403	Web

07/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19129	Web

07/10/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	NJ	Web

07/08/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 94546	Web

06/21/2022	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	NY 11501	Web

06/17/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	TX 76112	Phone

06/15/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	FL 33015	Web

06/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AK 99701	Web	Servicemember

06/02/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MA 02026	Web	Servicemember

06/01/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	NV 89052	Phone	Older American

06/01/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	MD 21207	Web

05/18/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	WA 98338	Web	Servicemember

05/17/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75070	Web

05/16/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Account information incorrect	MD 20746	Web	Servicemember

05/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	OR 97401	Phone

05/04/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	FL 33543	Web	Older American

04/24/2022	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	NY 11435	Web

04/23/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NY 10306	Web

04/07/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	NY 10459	Web

04/07/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	NV 89131	Web

04/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 43334	Web

03/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07828	Web

03/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44125	Web

03/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33177	Web

03/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10463	Web

03/15/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	DC 20007	Referral

03/10/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	GA 30327	Web

03/09/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	AZ 86303	Phone

03/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 23831	Web

02/17/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	NY 10005	Web

02/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11722	Web

02/03/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 93036	Phone	Older American, Servicemember

02/02/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	NJ 07104	Web

01/31/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	MD 21122	Web

01/26/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	CO 80214	Web

01/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 63304	Web

01/19/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	AL 36105	Postal mail

01/17/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TN 37214	Web

01/07/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MA 02128	Phone

01/06/2022	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	AL 35235	Web

12/16/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	VA 20169	Web

12/14/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	IN 46060	Web	Servicemember

12/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90004	Web

12/09/2021	Yes	Checking or savings account Other banking product or service	Problem with a lender or other company charging your account Transaction was not authorized	NY 14905	Web

12/08/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	GA 30122	Referral

11/17/2021	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	AL 35763	Web	Servicemember

11/12/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	MD 21202	Web

11/05/2021	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	FL 33015	Web

11/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91504	Web

11/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	GA 30809	Web

10/21/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	CT 06708	Web

10/21/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Information belongs to someone else	MS 38801	Web

10/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 24251	Web

10/13/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	PA 19135	Web

10/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07928	Web

10/08/2021	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	FL 32305	Web

10/07/2021	Yes	Checking or savings account Other banking product or service	Opening an account Account opened as a result of fraud	NY 14905	Web

09/27/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 94612	Web

09/14/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 20774	Web

09/11/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 92585	Web

09/09/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NY 10462	Referral

08/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29172	Web

08/31/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	XXXXX	Web

08/17/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	CO 80004	Referral

07/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30011	Web

07/26/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	NY 12764	Web

07/23/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	CA 90230	Referral

07/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90014	Web

07/20/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	MO 65721	Web

07/09/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	DC 20001	Web

07/07/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76522	Web	Servicemember

06/30/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30012	Referral

06/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33319	Web

06/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 94030	Web

06/05/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	GA 31620	Web

05/27/2021	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	CA 91767	Web

05/10/2021	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 Their investigation did not fix an error on your report	MO 65401	Web

05/05/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	WA 99336	Web

04/26/2021	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	MO 65401	Web

04/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76522	Web	Servicemember

04/19/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30012	Web

04/13/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	GA 30331	Web

04/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 71913	Web

04/02/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	PA 18966	Web

03/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 20152	Web

03/17/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	WI 53234	Web

03/11/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	NY 10940	Web	Servicemember

03/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 65401	Web

03/10/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MA 02301	Web

02/23/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	PA 17601	Web

02/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48230	Web

02/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	OH 43054	Web

02/10/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	SC 29485	Phone	Servicemember

02/09/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	WA 98028	Web	Servicemember

02/09/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 30012	Web

02/05/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 30012	Web

01/21/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30309	Web

12/23/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 90275	Web

12/12/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Old information reappears or never goes away	WI 53094	Web

11/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 19335	Web

10/23/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	HI 96826	Phone	Older American

10/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 48198	Web

09/06/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	WI 53094	Web	Servicemember

09/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77084	Web

08/12/2020	No	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 60466	Fax	Older American

08/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90046	Web

07/24/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	NY 11205	Referral

07/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	DE 19703	Web

07/16/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 95814	Web

07/04/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	DE 19703	Web

07/03/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	VA 24550	Web

06/30/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IL 60087	Web

06/29/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NV 89147	Web

06/07/2020	No	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	GA 30038	Web

06/06/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33025	Web

04/20/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Information belongs to someone else	PA 19120	Web

04/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32068	Web

04/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95111	Web

03/24/2020	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	NJ 08107	Web

02/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19120	Web

01/06/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	PA 17015	Web	Servicemember

11/23/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	FL 33145	Web

09/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 45209	Web

08/31/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55122	Web

07/28/2019	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	NY 10469	Web

07/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78759	Web

06/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98675	Web

05/20/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	FL 33068	Web

03/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30022	Web

01/02/2019	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	CA 96161	Referral

12/18/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Information belongs to someone else	MA 02148	Web

10/31/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 07401	Web

09/07/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Money was taken from your bank account on the wrong day or for the wrong amount	IL 60171	Referral

05/13/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	CA 91902	Web	Servicemember

05/01/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33884	Web	Servicemember

04/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90802	Web

04/11/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	MA 02144	Referral

11/12/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	TX 78621	Web

02/16/2017	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	CA 95662	Web