{"took":124,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":996,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v2","_id":"19055070","_score":16.340591,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"My bank submitted a check start of XXXX, we sent it to the address on the website. 15 business days later upstart did not cash it. I called upstart to check the status and was informed by the upstart employee that the address was wrong and there as no process to have the check cashed by upstart and it would never cash and i had to send a new check, which i did per upstart 's instructions. The next business day the check was cashed, the original that upstart claimed would never be cashed. I got the payoff details and paid off the remainder of the loan. Everything was processed XX/XX/XXXX. XX/XX/XXXX, i receive a thank you for paying off your loan email from Upstart. XX/XX/XXXX the check was marked as failed on XX/XX/XXXX. The new check my bank sent was cashed on the XXXX of XXXX. Now upstart is claiming I owe {$170.00} with interest continuing to accrue daily. I only canceled the check because upstart told me to, if I had not everything would have been done. They also retro-dated the interest over a week even though the check and account were complete from XXXX XXXX XXXX. This is fraud to have me send a new check to get more accrued interest.","date_sent_to_company":"2026-01-27T23:46:42.000Z","issue":"Charged fees or interest you didn't expect","sub_product":"Installment loan","zip_code":"015XX","tags":null,"has_narrative":true,"complaint_id":"19055070","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Upstart Holdings, Inc.","date_received":"2026-01-27T23:29:51.000Z","state":"MA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["My bank submitted a check start of XXXX, we sent it to the address on the website. 15 business days later <em>upstart</em> did not cash it. I called <em>upstart</em> to check the status and was informed by the <em>upstart</em> employee that the address was wrong and there as no process to have the check cashed by <em>upstart</em> and it would never cash and i had to send a new check, which i did per <em>upstart</em> 's instructions. The next business day the check was cashed, the original that <em>upstart</em> claimed would never be cashed."]},"sort":[16.340591,"19055070"]},{"_index":"complaint-public-v2","_id":"5022913","_score":16.180918,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. \n\nI, 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.","date_sent_to_company":"2021-12-18T11:55:08.000Z","issue":"Getting the loan","sub_product":"Installment loan","zip_code":"30319","tags":null,"has_narrative":true,"complaint_id":"5022913","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Upstart Holdings, Inc.","date_received":"2021-12-18T11:45:02.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by <em>UPSTART</em> HOLDINGS , INC. d/b/a <em>UPSTART</em>. I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act by <em>UPSTART</em> HOLDINGS, INC. d/b/a <em>UPSTART</em> on XX/XX/2021, via email."]},"sort":[16.180918,"5022913"]},{"_index":"complaint-public-v2","_id":"7924702","_score":16.175526,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"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.","date_sent_to_company":"2023-11-29T15:41:47.000Z","issue":"Getting the loan","sub_product":"Installment loan","zip_code":"90250","tags":"Servicemember","has_narrative":true,"complaint_id":"7924702","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Upstart Holdings, Inc.","date_received":"2023-11-29T15:26:39.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I have contacted <em>Upstart</em> on multiple occasions and was informed my payment would be returned. I contacted the XXXX  to file a complaint due to disbursement of funds. <em>Upstart</em> contacts me and informs me my loan isnt approved and would return my {$72.00} payment. This has not happened and <em>Upstart</em> is refusing to respond to emails or communicate on this issue."]},"sort":[16.175526,"7924702"]},{"_index":"complaint-public-v2","_id":"8354372","_score":16.134542,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"Upstart keep taking additional payments from my account without authorization. I am getting fees raked up from my bank and from Upstart. Upstart is actually charging me when I return an unauthorized payment. My bank charges me XXXX $ for each one then Upstart charges me. I have had other bills return because of Upstart. I get on and make my regular payment and I will look at future payment to make sure there is no pending payments with Upstart so I make my payment, but the next day Upstart send their unauthorized payment through with the one I make. They are so sneaky. You never know when a random payment will come out. I have had to put stop pays on, which cost me XXXX XXXX Upstart will send that same payment through and but for a different amount, with their XXXX $ fee added on, which they shouldnt even be charging me since it unauthorized in the first place. Right now as we speak i just made a XXXX $ payment. Well there is an additional XXXX $ payment coming out from Upstart that not showing in my Upstart account as a payment and not as a credit in my Upstart account, why are they being so sneaky? So if this payment clears and i dont pay an additional XXXX $ for a stop pay, it will put me XXXX payment ahead. This it totally unfair.","date_sent_to_company":"2024-02-15T17:43:45.000Z","issue":"Problem when making payments","sub_product":"Personal line of credit","zip_code":"725XX","tags":null,"has_narrative":true,"complaint_id":"8354372","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Upstart Holdings, Inc.","date_received":"2024-02-15T17:21:35.000Z","state":"AR","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>Upstart</em> keep taking additional payments from my account without authorization. I am getting fees raked up from my bank and from <em>Upstart</em>. <em>Upstart</em> is actually charging me when I return an unauthorized payment. My bank charges me XXXX $ for each one then <em>Upstart</em> charges me. I have had other bills return because of <em>Upstart</em>."]},"sort":[16.134542,"8354372"]},{"_index":"complaint-public-v2","_id":"13280219","_score":16.040546,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"I applied for loan consolidation with XXXX XXXX for my loans with Upstart and XXXX XXXX. Things went well with XXXX XXXX but not with Upstart. Upstart sent me a form to have filled ( Authorization form ) Authorizing XXXX to do business on my behalf. Filled the form and sent it to them ( Upstart ) and have been waiting for Upstart and XXXX XXXX to finalize the agreement on my loan. But to my surprise I received an email yesterday from Upstart saying the had sold my loan to a debt collector. And also today I received an email from XXXX XXXX saying my account with Upstart have been charged off. \n\nMy goal for consolidation was to help maintain my credit score but this charge off will cause my score to go down","date_sent_to_company":"2025-05-01T16:44:44.000Z","issue":"Problem with the payoff process at the end of the loan","sub_product":"Installment loan","zip_code":"75254","tags":null,"has_narrative":true,"complaint_id":"13280219","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Upstart Holdings, Inc.","date_received":"2025-05-01T16:09:06.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I applied for loan consolidation with XXXX XXXX for my loans with <em>Upstart</em> and XXXX XXXX. Things went well with XXXX XXXX but not with <em>Upstart</em>. <em>Upstart</em> sent me a form to have filled ( Authorization form ) Authorizing XXXX to do business on my behalf. Filled the form and sent it to them ( <em>Upstart</em> ) and have been waiting for <em>Upstart</em> and XXXX XXXX to finalize the agreement on my loan. But to my surprise I received an email yesterday from <em>Upstart</em> saying the had sold my loan to a debt collector."]},"sort":[16.040546,"13280219"]},{"_index":"complaint-public-v2","_id":"22663294","_score":15.92831,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I refinanced my auto loan with XXXX XXXX XXXX  XXXX UpStart on XX/XX/XXXX. My previous lender, XXXX XXXX XXXX XXXX, sent the title via XXXX on XX/XX/XXXX and a notarized lien release on XX/XX/XXXX. XXXX XXXX XXXX has not added its name to the title as of XX/XX/XXXX, and has provided this information to the Mississippi XXXX XXXX \n\nXXXX has declared the car a total loss, and we're unable to issue payment to XXXX XXXX XXXX/UpStart due to a title-related issue of negligence. \n\nUpStart was contacted by XXXX and me on XX/XX/XXXX, to make them aware of the need for a perfected title, and was told it would be reviewed and processed. \n\nI called UpStart again today and was told the title had not been perfected. I requested to speak with the titling department, but I wasn't able to connect. \n\nUpStart 's negligence is causing delays in processing my total-loss claim with XXXX XXXX XXXX \n\nI also requested a deferral of my upcoming payment due to their negligence, but it was denied.","date_sent_to_company":"2026-05-28T17:01:27.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Loan","zip_code":"38654","tags":null,"has_narrative":true,"complaint_id":"22663294","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Upstart Holdings, Inc.","date_received":"2026-05-28T16:31:45.000Z","state":"MS","company_public_response":null,"sub_issue":"Problem while selling or giving up the vehicle"},"highlight":{"complaint_what_happened":["<em>UpStart</em> was contacted by XXXX and me on XX/XX/XXXX, to make them aware of the need for a perfected title, and was told it would be reviewed and processed. \n\nI called <em>UpStart</em> again today and was told the title had not been perfected. I requested to speak with the titling department, but I wasn't able to connect."]},"sort":[15.92831,"22663294"]},{"_index":"complaint-public-v2","_id":"7667479","_score":15.921978,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"{$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","date_sent_to_company":"2023-10-12T16:37:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"85249","tags":"Older American","has_narrative":true,"complaint_id":"7667479","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Upstart Holdings, Inc.","date_received":"2023-10-09T20:45:56.000Z","state":"AZ","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I reported to XXXX XXXX, XXXX. the company that opened this account IS <em>Upstart</em> Holdings Inc XXXX XXXX XXXX XXXX XXXX XXXX, CA., XXXX. <em>Upstart</em> asked me to confirm my information- and I did provide them the information. <em>Upstart</em> claimed they had NO Record of my having any account even after <em>Upstart</em> Verified this account with all 3 of the credit bureaus."]},"sort":[15.921978,"7667479"]},{"_index":"complaint-public-v2","_id":"17955571","_score":15.907759,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am a confirmed victim of identity theft. My credit report shows three soft inquiries from Upstart Network that I did not authorize. I have never applied for credit, checked loan eligibility, or interacted with Upstart or any affiliated site ( XXXX XXXX, XXXX, XXXX, XXXX, etc. ). \n\nI sent Upstart a certified letter requesting information and documentation for each inquiry. Upstart received my letter but did not provide any of the information I requested. Instead, they sent a generic explanation on XX/XX/year>, suggesting that I may have checked my eligibility, which I did not. \n\nI emailed Upstart the same day and formally repeated my request for the required information, including the purpose of the inquiry, the source of my information, the identifiers used, and any internal or technical data associated with the inquiries. Upstart replied again on XX/XX/year>, with the same generic message and still did not provide any of the required information. \n\nUpstart has now issued two nearly identical responses that do not answer my request, do not provide the legally required documentation, and do not explain how or why my Social Security Number was used. I did not authorize these inquiries.","date_sent_to_company":"2025-11-26T06:55:56.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"93446","tags":"Servicemember","has_narrative":true,"complaint_id":"17955571","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Upstart Holdings, Inc.","date_received":"2025-11-26T05:12:33.000Z","state":"CA","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["My credit report shows three soft inquiries from <em>Upstart</em> Network that I did not authorize. I have never applied for credit, checked loan eligibility, or interacted with <em>Upstart</em> or any affiliated site ( XXXX XXXX, XXXX, XXXX, XXXX, etc. ). \n\nI sent <em>Upstart</em> a certified letter requesting information and documentation for each inquiry. <em>Upstart</em> received my letter but did not provide any of the information I requested."]},"sort":[15.907759,"17955571"]},{"_index":"complaint-public-v2","_id":"12908683","_score":15.856232,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"Upstart has failed to debit my bank account for the installment due each month. There are available funds, and yet my bank, XXXX, reports that Upstart is attempting to debit more than agreed upon. \n\nFurthermore, I requested to change bank accounts. I was sent two small deposits for verification. When I returned to the Upstart app, there was no indication that a request was pending. Instead, I was obliged to submit a new request. Upstart has refused to look into these issues after two requests.","date_sent_to_company":"2025-04-10T01:44:23.000Z","issue":"Problem when making payments","sub_product":"Installment loan","zip_code":"91701","tags":null,"has_narrative":true,"complaint_id":"12908683","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Upstart Holdings, Inc.","date_received":"2025-04-10T01:35:42.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>Upstart</em> has failed to debit my bank account for the installment due each month. There are available funds, and yet my bank, XXXX, reports that <em>Upstart</em> is attempting to debit more than agreed upon. \n\nFurthermore, I requested to change bank accounts. I was sent two small deposits for verification. When I returned to the <em>Upstart</em> app, there was no indication that a request was pending. Instead, I was obliged to submit a new request. <em>Upstart</em> has refused to look into these issues after two requests."]},"sort":[15.856232,"12908683"]},{"_index":"complaint-public-v2","_id":"7710824","_score":15.854655,"_source":{"product":"Debt collection","complaint_what_happened":"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.","date_sent_to_company":"2023-10-17T18:57:27.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"787XX","tags":null,"has_narrative":true,"complaint_id":"7710824","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Upstart Holdings, Inc.","date_received":"2023-10-17T18:57:24.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["My <em>Upstart</em> account shows fully paid off and the payment was 100 % cleared on XX/XX/2023. <em>Upstart</em> 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 <em>Upstart</em> to pay off the loan. For more than three weeks I have been in communication with <em>Upstart</em> and XXXX, and they both do not have answers."]},"sort":[15.854655,"7710824"]},{"_index":"complaint-public-v2","_id":"7110745","_score":15.854655,"_source":{"product":"Debt collection","complaint_what_happened":"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. \n\nI 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. \n\nUpstart 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.","date_sent_to_company":"2023-06-13T22:48:40.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"76542","tags":null,"has_narrative":true,"complaint_id":"7110745","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Upstart Holdings, Inc.","date_received":"2023-06-13T22:30:46.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX, after XXXX  indicated the account had been closed and returned to <em>Upstart</em>, I reached out to <em>Upstart</em> again to handle the situation."]},"sort":[15.854655,"7110745"]},{"_index":"complaint-public-v2","_id":"17453684","_score":15.837734,"_source":{"product":"Credit card","complaint_what_happened":"I am filing a complaint regarding an inaccurate late payment reported by Upstart due to a system failure on their online payment portal. \n\nOn XX/XX/year>, I attempted to make my monthly payment through Upstarts online portal before the due date. The website did not allow me to submit the payment the payment button was unavailable, and the system would not process the transaction. Because of this technical issue, I was forced to wait until the next day, XX/XX/XXXX, to complete the payment. Upstart then reported the payment as late. \n\nI immediately contacted Upstart to explain the situation. Their representative told me they can not do anything, and advised me to dispute it with the credit bureaus. I disputed, but the item was verified even though Upstart never addressed the website malfunction. \n\nThis late payment was caused entirely by Upstarts technical failure, not by any negligence on my part. \n\nAdditionally, I want to emphasize that I have never missed a payment with Upstart in over four years. I have consistently paid on time, and this issue only happened because their online system failed on the day I attempted to pay.","date_sent_to_company":"2025-11-23T21:51:35.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"551XX","tags":null,"has_narrative":true,"complaint_id":"17453684","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Upstart Holdings, Inc.","date_received":"2025-11-23T21:44:01.000Z","state":"MN","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["<em>Upstart</em> then reported the payment as late. \n\nI immediately contacted <em>Upstart</em> to explain the situation. Their representative told me they can not do anything, and advised me to dispute it with the credit bureaus. I disputed, but the item was verified even though <em>Upstart</em> never addressed the website malfunction. \n\nThis late payment was caused entirely by <em>Upstarts</em> technical failure, not by any negligence on my part."]},"sort":[15.837734,"17453684"]},{"_index":"complaint-public-v2","_id":"12183662","_score":15.828724,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/XXXX, a payment for my Upstart loan was due. While XXXX I encountered difficulties processing this payment, and on XX/XX/XXXX, I sent a formal email invoking my FDCPA rights, instructing Upstart to direct all future communications exclusively to my attorney. Despite this clear directive, Upstart continued to contact me directly via email and XXXX and on XX/XX/XXXX, I received additional communications that disregarded my instructions ( attached, I am including my communication with Upstart, and at least eight different communications sent to me directly clearly labeled as attempts to collect debt ). Moreover, Upstart reported negative information about my account to the credit bureaus, which resulted in several credit applications being rejectedfor instance, my XXXX XXXX checking account application was denied. All loans with Upstart have now been paid in full as of XX/XX/XXXX.","date_sent_to_company":"2025-02-23T19:10:56.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Other debt","zip_code":"022XX","tags":null,"has_narrative":true,"complaint_id":"12183662","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Upstart Holdings, Inc.","date_received":"2025-02-23T18:25:42.000Z","state":"MA","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX, a payment for my <em>Upstart</em> loan was due. While XXXX I encountered difficulties processing this payment, and on XX/XX/XXXX, I sent a formal email invoking my FDCPA rights, instructing <em>Upstart</em> to direct all future communications exclusively to my attorney."]},"sort":[15.828724,"12183662"]},{"_index":"complaint-public-v2","_id":"19540867","_score":15.815006,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"As part of a home refinance my loan # XXXX with UpStart with a balance of {$450.00} was paid in full with a check sent by XXXX XXXX XXXX, XXXX ( Title company ) for {$560.00} and it was cashed by UpStart on XX/XX/XXXX. I started receiving bills for payments and they withdrew out my checking account payments for XXXX for {$150.00} and another one in XXXX for {$150.00}. On XX/XX/XXXX I called UpStart and sent them copies of the cashed check for {$560.00}. They gave me case ID XXXX and said I would be hearing back a resolution in 10 business days. After not hearing back I spoked to XXXX on XX/XX/XXXX and he said to give them 5 more days, not hearing back I called and talked to XXXX on XX/XX/XXXX who told me a manager will call me. On XX/XX/XXXX the email me and told me they were looking into my complaint. On XX/XX/XXXX my Loan became past due for a payment of {$150.00} because I took it of autopay. On XX/XX/XXXX, after receiving more messages my loan was 2 weeks overdue I called and spoke to XXXX who is now telling me it could take 45 business days. I have attached copies of the cashed check front and back deposited into UpStart XXXX XXXX account.","date_sent_to_company":"2026-02-16T22:54:56.000Z","issue":"Problem with the payoff process at the end of the loan","sub_product":"Installment loan","zip_code":"074XX","tags":"Older American","has_narrative":true,"complaint_id":"19540867","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Upstart Holdings, Inc.","date_received":"2026-02-16T22:21:43.000Z","state":"NJ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I have attached copies of the cashed check front and back deposited into <em>UpStart</em> XXXX XXXX account."]},"sort":[15.815006,"19540867"]},{"_index":"complaint-public-v2","_id":"7022333","_score":15.790138,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"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.","date_sent_to_company":"2023-05-24T22:38:35.000Z","issue":"Incorrect information on your report","sub_product":"Installment loan","zip_code":"97005","tags":null,"has_narrative":true,"complaint_id":"7022333","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Upstart Holdings, Inc.","date_received":"2023-05-24T22:28:22.000Z","state":"OR","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I spoke with XXXX from <em>Upstart</em> 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 <em>Upstart</em> again on XX/XX/XXXX. I spoke with a supervisor XXXX with <em>Upstart</em> so said they would put in a request to call me back regarding the fraud. I never heard back from <em>Upstart</em>. I mailed a new dispute to <em>Upstart</em> on XX/XX/XXXX and XX/XX/XXXX."]},"sort":[15.790138,"7022333"]},{"_index":"complaint-public-v2","_id":"6888703","_score":15.782971,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"A loan was taken out in my name. I'm a victim of identity theft. My email was accessed, from there my bank accounts. \n\nLoan 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. \n\nI 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.","date_sent_to_company":"2023-04-25T19:58:10.000Z","issue":"Received a loan you didn't apply for","sub_product":"Payday loan","zip_code":"94539","tags":null,"has_narrative":true,"complaint_id":"6888703","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Upstart Holdings, Inc.","date_received":"2023-04-25T19:16:19.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>Upstart</em> 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, <em>Upstart</em> refuses to acknowledge the loan as fraudulent. <em>Upstart</em> will not provide copies of any information that was provided to them for this loan."]},"sort":[15.782971,"6888703"]},{"_index":"complaint-public-v2","_id":"7247499","_score":15.751175,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"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. \n\nAs 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.","date_sent_to_company":"2023-07-13T14:09:11.000Z","issue":"Problem when making payments","sub_product":"Installment loan","zip_code":"75077","tags":null,"has_narrative":true,"complaint_id":"7247499","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Upstart Holdings, Inc.","date_received":"2023-07-13T14:00:15.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I have taken out XXXX loans with <em>Upstart</em>. Over the past few months, when attempting to access my accounts with a representative on the phone or through the <em>Upstart</em> website, XXXX of the loans are unavailable. Representatives can not find the loans in the system. Although <em>Upstart</em> loans are offered and reported to the credit bureaus under the <em>Upstart</em> name, <em>Upstart</em> representatives are unable to service or even view certain loans."]},"sort":[15.751175,"7247499"]},{"_index":"complaint-public-v2","_id":"8915152","_score":15.709905,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"I'm a victim of identity theft, scam and fraudulent activities that resulted in financial theft during the time period of XXXX XX/XX/XXXX. In XX/XX/XXXX after looking at my credit report I've found out that {$44000.00} loan was fraudulently taken in my name using stolen identity from Upstart. In order to resolve the fraud claim with Upstart, Upstart has requested a letter from the XXXX XXXX XXXX stating that fraudulent activity took place on my bank account. However, XXXX  XXXX XXXX refuses to generate such letter. XXXX XXXX XXXX states that it is internal bank business. Without this latter Upstart refuses to further investigate the case to come up with a resolution. \nPolice reports, FTC reports, IC3 ( FBI ) and identity theft reports have been provided to Upstart.\n\nUpstart has information such as phone number and email of the person who opened the account. This information does not belong to me.","date_sent_to_company":"2024-05-02T19:26:13.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Personal line of credit","zip_code":"20854","tags":null,"has_narrative":true,"complaint_id":"8915152","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Upstart Holdings, Inc.","date_received":"2024-05-02T19:11:58.000Z","state":"MD","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Without this latter <em>Upstart</em> refuses to further investigate the case to come up with a resolution. \nPolice reports, FTC reports, IC3 ( FBI ) and identity theft reports have been provided to <em>Upstart</em>.\n\n<em>Upstart</em> has information such as phone number and email of the person who opened the account. This information does not belong to me."]},"sort":[15.709905,"8915152"]},{"_index":"complaint-public-v2","_id":"10169653","_score":15.7049465,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Financial Protection Bureau Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX XXXX XXXX  Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX ( FTC Complaint Filed on XX/XX/XXXX ) cc. \nUpstart Financial XXXX Formal Complaint of Fraudulent Operating Practices and Request for Compliance Audit : UPSTART FINANCIAL and XXXX XXXX Re : Account # XXXX To Whom It May Concern, As a result of Upstart XXXX  refusal to cooperate, conduct, and correct their unlawful credit reporting practices, a complaint has been filed with the Federal Trade Commission by borrower against Upstart XXXX for falsification of financial statements and illegally withholding financial information. XXXX and XXXX have cited, Verifiable Accounting by way of previous dispute resolution attempts. XXXX and XXXX have stated : The company reporting the information to verified that it was accurate, so it wasn't changed Upstart XXXX Account was Deleted by XXXX on XX/XX/XXXX. Consumer speculates, this action was entirely due to Upstart XXXX inability to provide credible evidence of accurate reporting. \n\nOn XX/XX/XXXX, Upstart XXXX updated inaccurate charge-off collection furnishings to XXXX and XXXX. \n\nUpstart XXXX has continued to deny borrower supportive creditor disclosures. Upstart XXXX is so committed to their fraudulent activities, they published a written statement on the CFPB website ; acknowledging unlawful Pay for Delete intentions. \n\nXXXX XXXX  certified to CFPB, on XX/XX/XXXX ; Accounts are NON- COLLECTIBLE and CLOSED as of XX/XX/XXXX. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) acknowledges receipt of the consumers complaint. XXXX purchased these XXXX accounts in good faith and for value. As a result of the complaint a member of our XXXX XXXX investigated the allegations. XXXX  does not report and is not reporting a tradeline for either account. These accounts have been closed in our office since XX/XX/XXXX. Should the consumer continue to have further questions or concerns we invite them to contact us to discuss the matter further. \n\nOn XX/XX/XXXX, borrower disclosed new evidence by way of Consumer Financial Protection Bureau complaint ; outlining factual impossibilities to Upstarts claims of transferred debt. Disclosure of borrower evidence was also provided to XXXX, XXXX, XXXX XXXX, XXXX Consumer Affairs, and XXXX XXXXXXXX Attorney General Consumer Complaint. \n\nFacts Surrounding Inaccurate Furnishings : Upstart Financial, negotiated entered into an agreement with XXXX  and borrower on XXXX XXXX. On XX/XX/XXXX terms were reached with UPSTART FINANCIAL and Borrower. On XX/XX/XXXX. UPSTART FURNISHED A FALSIFIED BACK-DATED BILLING STATEMENT. This statement reflected XXXX XXXX ; which would indicate : XXXX. XXXX was not validated prior to alleged XX/XX/XXXX charge-off since terms were duplicative. \nXXXX. Upstart did not attempt to contact Borrower XX/XX/XXXX charge-off XXXX. As of XX/XX/XXXX debt was still owned by Upstart as they were the notated creditor of record to negotiate settlement. \nXXXX. Prior to alleged transfer of debt in XX/XX/XXXX, Upstart had agreed on borrower owing obligations under unilateral terms with XXXX \n\nXXXX requested evidence be disclosed proving UPSTART assertions and XXXX confirmation of Debt Transfer. As XXXX XXXX XX/XX/XXXX both parties have avoided providing credible and/or rebuttal evidence that would meet bound FCRA XXXX credit dispute requirements. \n\nSee below : Upstarts XX/XX/XXXX to CFPB Company 's Response and attached Complaint Full Detailed report.\n\nCompany 's Response The complainants loan, XXXX, has been transferred to XXXX XXXX, XXXX as of XX/XX/XXXX, and they are the new servicer of the loan. This loan is no longer being serviced by Upstart. As such, XXXX XXXX, XXXX is responsible for investigating any concerns regarding the loan, and can work with Upstart if needed to assist in their investigation. We invite the complainant to reach out to XXXX XXXX, XXXX to establish new payment arrangements and for any questions or concerns regarding their loan. XXXX XXXX XXXX contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Page XXXX of XXXX Borrower/Consumer filed bankruptcy in XX/XX/XXXX. Upstart XXXX was served. Therefore, above UPSTART response is insufficient, inadequate and blatantly ignorant. XXXX withdrew and confirmed they do not report to credit bureaus. In addition, UPSTART Statement VIOLATED 11 U.S.C 524 ( c ), ( f ).\n\nUnder 11 U.S.C 524 ( c ), ( f ) Creditors can not collect discharged debts.This order means that no one may make any attempt to collect a discharged debt from the debtors personally. For example, creditors can not sue, garnish wages, assert a deficiency, or otherwise try to collect from the debtors personally on discharged debts. Creditors can not contact the debtors by mail, phone, or otherwise in any attempt to collect the debt personally. \n\nBottom line, Consumer has provided Non disputable evidence that UPSTART FINANCIAL, was the owner of Debt on XX/XX/XXXX, debt was not validated under XXXX prior to XX/XX/XXXX or XX/XX/XXXX and UPSTART is in violation of XXXX XXXX False certification : of Financial Statement Dated XX/XX/XXXX and Furnished on XX/XX/XXXX to XXXX. \n\n( XXXX ) A person is guilty of false certification, if, being an XXXX authorized to take a proof or acknowledgment of an instrument which by law may be recorded, he or she knowingly certifies falsely that the execution of such instrument was acknowledged by any party thereto or that the execution thereof was proved. \n( XXXX ) A person is guilty of false certification, if, being a notarial XXXX making a certification authorized by XXXX XXXX ( XXXX ), he or she knowingly certifies falsely that a tangible copy of an electronic record is an accurate copy of the electronic record. \n\nXXXX and XXXX, are required to investigate by way of dispute resolution process. \n\nXXXX and XXXX must adhere to FCRA STANDARDS and demand written documentation be PROVIDED to XXXX XXXX XXXX AND XXXX XXXX XXXX ; that indicates Debt was validated and transferred to XXXX  prior to XX/XX/XXXX. \n\nXXXX and XXXX will be complicit in UPSTART FINANCIAL fraud if information is not disclosed and if UPSTART fails to disclose ; XXXX and XXXX must delete non-verified inaccurate credit furnishings. \n\nThank you,","date_sent_to_company":"2024-09-19T20:18:26.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"98031","tags":null,"has_narrative":true,"complaint_id":"10169653","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Upstart Holdings, Inc.","date_received":"2024-09-19T20:18:15.000Z","state":"WA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Upstart</em> Financial XXXX Formal Complaint of Fraudulent Operating Practices and Request for Compliance Audit : <em>UPSTART</em> FINANCIAL and XXXX XXXX Re : Account # XXXX To Whom It May Concern, As a result of <em>Upstart</em> XXXX  refusal to cooperate, conduct, and correct their unlawful credit reporting practices, a complaint has been filed with the Federal Trade Commission by borrower against <em>Upstart</em> XXXX for falsification of financial statements and illegally withholding financial information."]},"sort":[15.7049465,"10169653"]},{"_index":"complaint-public-v2","_id":"9872894","_score":15.686674,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"This complaint builds on a prior CFPB complaint ( Complaint No. XXXX ) in which I requested Upstart validate a debt listed on my credit reports as \" Upstart/Customers. '' Upstart claimed the debt was sold to XXXX, yet XXXXy, XXXX XXXX  and Upstart have all failed to provide any documentation validating the debt.\n\nSince my previous complaint, new evidence has come to light : ledgers from my escrow agent, XXXX, now show payments made directly to Upstart as part of a settlement negotiated by XXXX XXXX XXXX XXXX XXXX. Despite these payments, Upstart continues to deny ownership, while XXXX XXXX  and XXXX XXXX remain unresponsive to debt validation requests. Documents that demonstrate these points are attached. \n\nAdditionally, the XX/XX/year> records from XXXX have inexplicably shown that XXXX has lost alll evidence of the settlement with Upstart, producing new ledgers ( altered? ) raising further concerns about the integrity of the records. Ive issued litigation hold notices to all involved parties to ensure these irregularities are fully investigated. Attached are the escrow payment records and litigation hold notices for the parties. Of note, the lit hold notice for XXXX details the payments to Upstart that were produced by the debt renegotiator XXXX and the escrow company XXXX.","date_sent_to_company":"2024-08-22T02:42:33.000Z","issue":"Problem with the payoff process at the end of the loan","sub_product":"Personal line of credit","zip_code":"947XX","tags":null,"has_narrative":true,"complaint_id":"9872894","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Upstart Holdings, Inc.","date_received":"2024-08-22T02:18:58.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["XXXX ) in which I requested <em>Upstart</em> validate a debt listed on my credit reports as \" <em>Upstart</em>/Customers. '' <em>Upstart</em> claimed the debt was sold to XXXX, yet XXXXy, XXXX XXXX  and <em>Upstart</em> have all failed to provide any documentation validating the debt.\n\nSince my previous complaint, new evidence has come to light : ledgers from my escrow agent, XXXX, now show payments made directly to <em>Upstart</em> as part of a settlement negotiated by XXXX XXXX XXXX XXXX XXXX."]},"sort":[15.686674,"9872894"]},{"_index":"complaint-public-v2","_id":"9288442","_score":15.676398,"_source":{"product":"Debt collection","complaint_what_happened":"I paid off an account with Upstart back on XX/XX/year>, via XXXX XXXX. I've asked Upstart repeatedly to remove this account from my account since mid-XXXX. They give me the same generic email that XXXX XXXX owns the account now, but it still shows on the Upstart website as only 7 % paid. I sent Upstart an email from XXXX  twice stating the account was paid in full, but I continue to get the same generic email that XXXX  owns the account, so no one is paying attention to my message. \n\nMy ask is very simple, that Upstart should remove the account from their website as the information is incorrect, it's paid off, and no supposedly does not belong to Upstart anymore, Thank you.","date_sent_to_company":"2024-06-18T20:22:00.000Z","issue":"Attempts to collect debt not owed","sub_product":"Payday loan debt","zip_code":"986XX","tags":null,"has_narrative":true,"complaint_id":"9288442","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Upstart Holdings, Inc.","date_received":"2024-06-18T20:13:51.000Z","state":"WA","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["My ask is very simple, that <em>Upstart</em> should remove the account from their website as the information is incorrect, it's paid off, and no supposedly does not belong to <em>Upstart</em> anymore, Thank you."]},"sort":[15.676398,"9288442"]},{"_index":"complaint-public-v2","_id":"5441833","_score":15.6588745,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"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. \nI 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. \nI 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. \nthis information was not disclosed to me until today. So, I strongly the decision of eligibility is arbitrary, unilateral, therefore discriminatory.","date_sent_to_company":"2022-04-13T11:03:31.000Z","issue":"Problem with the payoff process at the end of the loan","sub_product":"Installment loan","zip_code":"98375","tags":null,"has_narrative":true,"complaint_id":"5441833","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Upstart Holdings, Inc.","date_received":"2022-04-13T10:03:46.000Z","state":"WA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I took a loan {$40000.00} with <em>Upstart</em> 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 <em>Upstart</em> for a partial refund om the origination fees, since I only used {$1500.00} of the loan. \nI received periodic emails from <em>Upstart</em> stating that I was eligible for origination fees refund for early payoff."]},"sort":[15.6588745,"5441833"]},{"_index":"complaint-public-v2","_id":"11299591","_score":15.65051,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"I have been advised by my attorney to submit formal complaints to all relevant regulators for record in connection with my lawsuit against Upstart, which will proceed unless my demands are met. I am writing to formally submit a complaint against Upstart, a loan lender, for their egregious failure to honor a legally binding settlement agreement, which included a promise to remove a tradeline from my credit report upon full settlement of my account. This agreement was negotiated through a third-party, Resolve, on XX/XX/year>, and I have attempted, in good faith, to resolve this matter. However, Upstart has failed to comply with its obligations, leaving me no choice but to pursue legal action to address the harm caused by their breach.\n\nFactual Background and Breach of Settlement Agreement On XX/XX/year>, I reached a settlement agreement with Upstart, negotiated through the third-party service, Resolve, wherein I agreed to settle my outstanding balance of {$2500.00} for {$1500.00}. The specific terms of the agreement included the removal of the corresponding tradeline from my credit report upon full payment. I fulfilled my end of the agreement and paid the agreed-upon amount of {$1500.00} in good faith, but Upstart has failed to honor their commitment to delete the tradeline.\n\nDespite multiple attempts to resolve this issue, including disputes filed with the credit bureaus and formal legal demands, Upstart has failed to remove the account, denying any responsibility for the breach of contract and refusing to engage in a meaningful resolution process. This failure to act in accordance with the settlement terms is both a breach of contract and a violation of numerous consumer protection laws, including federal and state statutes.\n\nDamages Suffered and Legal Violations As a result of Upstarts actions, I have suffered significant financial and emotional harm, including but not limited to : Financial Harm from Higher Interest Rates and Credit Denials : Due to the unresolved negative payment history on my credit report, I have been denied credit by other lenders and forced to accept loans at higher interest rates. This has resulted in measurable financial damages, including higher costs for borrowing and loss of access to favorable financial opportunities.\n\nEmotional Distress : The stress, frustration, and emotional toll caused by Upstart 's refusal to honor their contractual obligations have been significant. The impact of these events has adversely affected my peace of mind, causing significant anxiety and inconvenience.\n\nCollection Under False and Malicious Practices : Had I known that Upstart would not honor the settlement agreement, I would not have made the payment. The settlement was predicated on Upstarts commitment to delete the tradeline upon full payment, and their failure to do so constitutes a collection under false and malicious practices. This constitutes fraudulent conduct designed to induce payment under misleading pretenses.\n\nIn addition to the breach of contract, Upstart 's actions also violate several federal and state laws : Violations of Federal and State Laws Violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : Under the FCRA, creditors have a duty to ensure that the information they report to credit bureaus is accurate, complete, and up-to-date. By failing to delete the tradeline after the settlement, Upstart has reported inaccurate and misleading information, violating my rights under 15 U.S.C. 1681i, which requires that credit reporting entities conduct a reasonable investigation into disputed information. The failure to correct this inaccurate reporting further violates 15 U.S.C. 1681s-2 ( b ), which mandates that furnishers of information ( like Upstart ) take steps to correct inaccurate or incomplete information upon receiving notice of a dispute.\n\nViolation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. : Although Upstart is not a third-party debt collector, their conduct in this matter may fall under the FDCPAs prohibition against deceptive, unfair, and misleading practices. Upstarts failure to fulfill the terms of a settlement agreement and their continued reporting of the account as unresolved is a form of deceptive conduct that has caused me financial harm.\n\nViolation of the Arizona Consumer Fraud Act, A.R.S. 44-1522 : Under the Arizona Consumer Fraud Act, it is unlawful for any person or business to engage in any deceptive or unfair practice in trade or commerce. By failing to remove the tradeline as agreed, Upstart has engaged in conduct that is not only unfair, but also fraudulent, in violation of A.R.S. 44-1522. Upstart 's refusal to honor the settlement agreement, along with their continued reporting of the account, constitutes a violation of Arizonas consumer protection laws.\n\nBreach of Contract : The settlement agreement between myself and Upstart constitutes a legally binding contract, and Upstart 's failure to honor this contract is a clear breach. Under Arizona law, specifically A.R.S. 44-101 et seq., a breach of contract occurs when one party fails to perform its obligations under the terms of a valid agreement. In this case, Upstarts refusal to delete the tradeline after full payment directly violates the agreed-upon terms.\n\nIntentional Infliction of Emotional Distress ( IIED ) : Upstarts failure to comply with the terms of the settlement agreement and their refusal to engage in any meaningful resolution may also give rise to a claim for intentional infliction of emotional distress. Their conduct has caused me significant emotional distress, and their actions may be found to be outrageous or extreme under Arizona tort law.\n\nRequest for Compensation and Resolution In light of the substantial financial and emotional harm I have suffered, and given the clear violations of both federal and state law, I am requesting the following remedies : Monetary Compensation of {$10000.00} : This amount is requested to cover the financial damages incurred, including higher interest rates, credit denials, and other related costs resulting from Upstart 's failure to remove the tradeline. This compensation also accounts for the emotional distress caused by their actions.\n\nReturn of Settlement Funds : I request the full return of the settlement amount paid to Upstart. Had I known that they would not honor the agreement, I would not have made the payment. Upstart 's deceptive practices in collecting the settlement amount under false pretenses warrant the return of these funds, in addition to other damages.\n\nLegal and Attorney Fees : Given the need to pursue legal action to resolve this matter, I am requesting that Upstart compensate me for the legal fees and attorney costs incurred in enforcing my rights.\n\nImmediate Removal of the Tradeline : Upstart must immediately remove the tradeline from my credit report, as per the terms of the settlement agreement, and provide written confirmation that they have done so.\n\nFormal Acknowledgment of Breach : I request that Upstart formally acknowledge their breach of contract and provide a written statement outlining their plan to prevent such incidents from occurring in the future.\n\nConclusion I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) promptly investigate Upstarts failure to honor the settlement agreement and their refusal to remove the tradeline from my credit report. The violations outlined above reflect serious misconduct on the part of Upstart, and I believe that the CFPBs intervention will help bring this matter to a swift and just resolution.\n\nPlease do not hesitate to contact me if additional documentation or information is required for your investigation. I look forward to your prompt response.","date_sent_to_company":"2024-12-27T17:38:19.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Installment loan","zip_code":"29414","tags":null,"has_narrative":true,"complaint_id":"11299591","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Upstart Holdings, Inc.","date_received":"2024-12-27T17:12:44.000Z","state":"SC","company_public_response":null,"sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["Breach of Contract : The settlement agreement between myself and <em>Upstart</em> constitutes a legally binding contract, and <em>Upstart</em> 's failure to honor this contract is a clear breach. Under Arizona law, specifically A.R.S. 44-101 et seq., a breach of contract occurs when one party fails to perform its obligations under the terms of a valid agreement. In this case, <em>Upstarts</em> refusal to delete the tradeline after full payment directly violates the agreed-upon terms."]},"sort":[15.65051,"11299591"]},{"_index":"complaint-public-v2","_id":"8953944","_score":15.64869,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"I've submitted a complain XXXX on XX/XX/XXXX. However XXXX  closed the complain the same day with a templated response, and without reading the complain at all. \n\nI'm a victim of identity theft, scam and fraudulent activities that resulted in financial theft during the time period of XXXX XX/XX/XXXX. In XX/XX/XXXX after looking at my credit report I've found out that {$44000.00} loan was fraudulently taken in my name using stolen identity from Upstart. \nIn order to resolve the fraud claim with Upstart, Upstart has requested a letter from the XXXX  XXXX XXXX stating that fraudulent activity took place on my bank account. However, XXXX  XXXX XXXX refuses to generate such letter. XXXX  XXXX XXXX states that it is internal bank business. Without this latter Upstart refuses to further investigate the case to come up with a resolution. Police reports, FTC reports, IC3 ( FBI ) and identity theft reports have been provided to Upstart. Upstart has information such as phone number and email of the person who opened the account. This information does not belong to me.","date_sent_to_company":"2024-05-07T17:00:46.000Z","issue":"Charged fees or interest you didn't expect","sub_product":"Personal line of credit","zip_code":"20854","tags":null,"has_narrative":true,"complaint_id":"8953944","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Upstart Holdings, Inc.","date_received":"2024-05-07T16:50:01.000Z","state":"MD","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Without this latter <em>Upstart</em> refuses to further investigate the case to come up with a resolution. Police reports, FTC reports, IC3 ( FBI ) and identity theft reports have been provided to <em>Upstart</em>. <em>Upstart</em> has information such as phone number and email of the person who opened the account. This information does not belong to me."]},"sort":[15.64869,"8953944"]},{"_index":"complaint-public-v2","_id":"9953914","_score":15.621604,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"Upstart is violating my rights. I have monthly payments with them. Today i get a message that they sold my loan without my permission. See below Current balance : {$8800.00} Dear XXXX XXXX, Your Upstart loan, XXXX, has been sold to XXXX XXXX, XXXX and is no longer being serviced by Upstart XXXX XXXX as of XX/XX/year>. \n\nAny payments sent before XX/XX/year> will be applied towards the debt balance. Any future scheduled payments to Upstart XXXX XXXX have been cancelled.","date_sent_to_company":"2024-08-30T00:13:33.000Z","issue":"Problem with the payoff process at the end of the loan","sub_product":"Installment loan","zip_code":"850XX","tags":"Servicemember","has_narrative":true,"complaint_id":"9953914","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Upstart Holdings, Inc.","date_received":"2024-08-30T00:07:49.000Z","state":"AZ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>Upstart</em> is violating my rights. I have monthly payments with them. Today i get a message that they sold my loan without my permission. See below Current balance : {$8800.00} Dear XXXX XXXX, Your <em>Upstart</em> loan, XXXX, has been sold to XXXX XXXX, XXXX and is no longer being serviced by <em>Upstart</em> XXXX XXXX as of XX/XX/year>. \n\nAny payments sent before XX/XX/year> will be applied towards the debt balance. Any future scheduled payments to <em>Upstart</em> XXXX XXXX have been cancelled."]},"sort":[15.621604,"9953914"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":996,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":996}]}},"product":{"meta":{},"doc_count":996,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":361,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":356},{"key":"Other personal consumer report","doc_count":5}]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":192,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":158},{"key":"Personal line of credit","doc_count":23},{"key":"Payday loan","doc_count":6},{"key":"Earned wage access","doc_count":2},{"key":"Other advances of future income","doc_count":2},{"key":"Title loan","doc_count":1}]}},{"key":"Payday loan, title loan, or personal loan","doc_count":120,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":85},{"key":"Personal line of credit","doc_count":27},{"key":"Payday loan","doc_count":7},{"key":"Title loan","doc_count":1}]}},{"key":"Debt collection","doc_count":117,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other debt","doc_count":45},{"key":"I do not know","doc_count":41},{"key":"Payday loan debt","doc_count":14},{"key":"Credit card debt","doc_count":13},{"key":"Auto debt","doc_count":2},{"key":"Private student loan debt","doc_count":1},{"key":"Telecommunications debt","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":102,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":94},{"key":"Other personal consumer report","doc_count":7},{"key":"Credit repair services","doc_count":1}]}},{"key":"Vehicle loan or lease","doc_count":52,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":50},{"key":"Lease","doc_count":2}]}},{"key":"Credit card","doc_count":16,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":15},{"key":"Store credit card","doc_count":1}]}},{"key":"Debt or credit management","doc_count":7,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt settlement","doc_count":6},{"key":"Credit repair services","doc_count":1}]}},{"key":"Mortgage","doc_count":7,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional fixed mortgage","doc_count":3},{"key":"Home equity loan or line of credit (HELOC)","doc_count":3},{"key":"Other type of mortgage","doc_count":1}]}},{"key":"Checking or savings account","doc_count":6,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":5},{"key":"Other banking product or service","doc_count":1}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":6,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Domestic (US) money transfer","doc_count":2},{"key":"Mobile or digital wallet","doc_count":2},{"key":"Debt settlement","doc_count":1},{"key":"Virtual currency","doc_count":1}]}},{"key":"Student loan","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Private student loan","doc_count":4}]}},{"key":"Credit card or prepaid card","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":3}]}},{"key":"Consumer Loan","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":2}]}},{"key":"Credit reporting","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"issue":{"meta":{},"doc_count":996,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":264,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account status incorrect","doc_count":96},{"key":"Information belongs to someone else","doc_count":83},{"key":"Account information incorrect","doc_count":70},{"key":"Old information reappears or never goes away","doc_count":9},{"key":"Public record information inaccurate","doc_count":3},{"key":"Information is missing that should be on the report","doc_count":2},{"key":"Information that should be on the report is missing","doc_count":1}]}},{"key":"Improper use of your report","doc_count":112,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":95},{"key":"Credit inquiries on your report that you don't recognize","doc_count":15},{"key":"Received unsolicited financial product or insurance offers after opting out","doc_count":1},{"key":"Report provided to employer without your written authorization","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":106,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":74},{"key":"Problem with personal statement of dispute","doc_count":10},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":8},{"key":"Investigation took more than 30 days","doc_count":8},{"key":"Was not notified of investigation status or results","doc_count":6}]}},{"key":"Problem when making payments","doc_count":62,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem during payment process","doc_count":3}]}},{"key":"Getting the loan","doc_count":60,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Attempts to collect debt not owed","doc_count":51,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":19},{"key":"Debt was result of identity theft","doc_count":16},{"key":"Debt was paid","doc_count":11},{"key":"Debt was already discharged in bankruptcy and is no longer owed","doc_count":5}]}},{"key":"Charged fees or interest you didn't expect","doc_count":44,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Struggling to pay your loan","doc_count":42,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Denied request to lower payments","doc_count":1},{"key":"Lender trying to repossess or disable the vehicle","doc_count":1}]}},{"key":"Problem with the payoff process at the end of the loan","doc_count":28,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problems at the end of the loan or lease","doc_count":22,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem related to refinancing","doc_count":10},{"key":"Unable to receive car title or other problem after the loan is paid off","doc_count":10},{"key":"Problem while selling or giving up the vehicle","doc_count":2}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":20,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":16},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":1},{"key":"Investigation took more than 30 days","doc_count":1},{"key":"Problem with personal statement of dispute","doc_count":1},{"key":"Was not notified of investigation status or results","doc_count":1}]}},{"key":"Took or threatened to take negative or legal action","doc_count":18,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Threatened or suggested your credit would be damaged","doc_count":11},{"key":"Sued you without properly notifying you of lawsuit","doc_count":5},{"key":"Seized or attempted to seize your property","doc_count":1},{"key":"Threatened to sue you for very old debt","doc_count":1}]}},{"key":"False statements or representation","doc_count":17,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":13},{"key":"Indicated you were committing crime by not paying debt","doc_count":2},{"key":"Impersonated attorney, law enforcement, or government official","doc_count":1},{"key":"Told you not to respond to a lawsuit they filed against you","doc_count":1}]}},{"key":"Getting a line of credit","doc_count":16,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Managing the loan or lease","doc_count":15,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing problem","doc_count":7},{"key":"Loan sold or transferred to another company","doc_count":2},{"key":"Problem with additional products or services purchased with the loan","doc_count":2},{"key":"Problem with fees charged","doc_count":2},{"key":"Problem with the interest rate","doc_count":1}]}},{"key":"Problem with additional add-on products or services","doc_count":11,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Written notification about debt","doc_count":11,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive enough information to verify debt","doc_count":9},{"key":"Didn't receive notice of right to dispute","doc_count":2}]}},{"key":"Repossession","doc_count":10,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Voluntary repossession","doc_count":4},{"key":"Company communicating payment assistance or payment extension options","doc_count":2},{"key":"Account reinstatement or redemption after repossession","doc_count":1},{"key":"Company explaining amount owed","doc_count":1},{"key":"Deficiency balance after repossession","doc_count":1},{"key":"Lender trying to repossess or disable the vehicle","doc_count":1}]}},{"key":"Communication tactics","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Frequent or repeated calls","doc_count":4},{"key":"Used obscene, profane, or other abusive language","doc_count":3},{"key":"Called before 8am or after 9pm","doc_count":1},{"key":"You told them to stop contacting you, but they keep trying","doc_count":1}]}},{"key":"Threatened to contact someone or share information improperly","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Contacted you after you asked them to stop","doc_count":2},{"key":"Contacted your employer","doc_count":2},{"key":"Talked to a third-party about your debt","doc_count":2}]}},{"key":"Electronic communications","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Frequent or repeated messages","doc_count":3},{"key":"Contacted before 8am or after 9pm","doc_count":1},{"key":"You told them to stop contacting you, but they keep trying","doc_count":1}]}},{"key":"Applying for a mortgage or refinancing an existing mortgage","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Changes in loan terms during the application process","doc_count":1},{"key":"Confusing or misleading advertising or marketing","doc_count":1},{"key":"Delays in the application process","doc_count":1}]}},{"key":"Credit monitoring or identity theft protection services","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem canceling credit monitoring or identify theft protection service","doc_count":3},{"key":"Billing dispute for services","doc_count":1}]}},{"key":"Getting a loan or lease","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan opened without my consent or knowledge","doc_count":2},{"key":"Confusing or misleading advertising or marketing","doc_count":1},{"key":"Problem with signing the paperwork","doc_count":1}]}},{"key":"Dealing with your lender or servicer","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Don't agree with the fees charged","doc_count":1},{"key":"Received bad information about your loan","doc_count":1},{"key":"Trouble with how payments are being handled","doc_count":1}]}},{"key":"Fraud or scam","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Issues with repayment","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Managing an account","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Banking errors","doc_count":1},{"key":"Deposits and withdrawals","doc_count":1},{"key":"Problem making or receiving payments","doc_count":1}]}},{"key":"Problem with a purchase shown on your statement","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card was charged for something you did not purchase with the card","doc_count":3}]}},{"key":"Can't contact lender or servicer","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Confusing or missing disclosures","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Didn't provide services promised","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Getting a credit card","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card opened without my consent or knowledge","doc_count":1},{"key":"Delay in processing application","doc_count":1}]}},{"key":"Loan servicing, payments, escrow account","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with a lender or other company charging your account","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Transaction was not authorized","doc_count":2}]}},{"key":"Problem with cash advance","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with customer service","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with fraud alerts or security freezes","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Received a loan you didn't apply for","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Was approved for a loan, but didn't receive the money","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Can't stop withdrawals from your bank account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Closing your account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":1}]}},{"key":"Confusing or misleading advertising or marketing","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Getting a loan","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"High pressure sales tactics or recruiting","doc_count":1}]}},{"key":"Incorrect information on credit report","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information is not mine","doc_count":1}]}},{"key":"Loan modification,collection,foreclosure","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Loan payment wasn't credited to your account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Managing, opening, or closing your mobile wallet account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Opening an account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive terms that were advertised","doc_count":1}]}},{"key":"Other features, terms, or problems","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem","doc_count":1}]}},{"key":"Other transaction problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Taking out the loan or lease","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Trouble using your card","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Can't use card to make purchases","doc_count":1}]}},{"key":"Unable to get your credit report or credit score","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem getting your report or credit score","doc_count":1}]}},{"key":"Unauthorized transactions or other transaction problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Unauthorized withdrawals or charges","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Unexpected fees","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Vehicle was repossessed or sold the vehicle","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"meta":{},"doc_count":996,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":974},{"key":"No","doc_count":22}]}},"company_response":{"meta":{},"doc_count":996,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":885},{"key":"Closed with non-monetary relief","doc_count":101},{"key":"Closed with monetary relief","doc_count":10}]}},"submitted_via":{"meta":{},"doc_count":996,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":996}]}},"company":{"meta":{},"doc_count":996,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Upstart Holdings, Inc.","doc_count":736},{"key":"Experian Information Solutions Inc.","doc_count":62},{"key":"EQUIFAX, INC.","doc_count":60},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":60},{"key":"Velocity Portfolio Group","doc_count":17},{"key":"Crown Asset Management, LLC, Duluth, GA Branch","doc_count":5},{"key":"ALCAR INC.","doc_count":3},{"key":"CL Holdings LLC","doc_count":3},{"key":"Resurgent Capital Services L.P.","doc_count":3},{"key":"UPGRADE, INC.","doc_count":3},{"key":"CBC Companies, Inc.","doc_count":2},{"key":"Chime Financial Inc","doc_count":2},{"key":"JPMORGAN CHASE & CO.","doc_count":2},{"key":"Advanced Resolution Services Inc.","doc_count":1},{"key":"Allied International Credit Corp., (US)","doc_count":1},{"key":"Americor Funding, LLC","doc_count":1},{"key":"Asset Recovery Solutions, LLC","doc_count":1},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":1},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":1},{"key":"Colony Brands, Inc.","doc_count":1},{"key":"Consumer Financial Services Solutions, Inc.","doc_count":1},{"key":"Consumer Portfolio Services, Inc.","doc_count":1},{"key":"Credit Karma, LLC","doc_count":1},{"key":"DISCOVER BANK","doc_count":1},{"key":"Exeter Finance, LLC.","doc_count":1},{"key":"FC HoldCo LLC","doc_count":1},{"key":"Fidelity National Information Services, Inc. (FNIS)","doc_count":1},{"key":"HYUNDAI CAPITAL AMERICA","doc_count":1},{"key":"Halsted Financial Services, LLC.","doc_count":1},{"key":"InDebted Corporation","doc_count":1},{"key":"Johnson Mark LLC","doc_count":1},{"key":"Law Office of Michael J. Scott, PC","doc_count":1},{"key":"M&T BANK CORPORATION","doc_count":1},{"key":"Mandarich Law Group, LLP","doc_count":1},{"key":"National Enterprise Systems, Inc.","doc_count":1},{"key":"Nationwide Loan Consultants and Advisors, LLC","doc_count":1},{"key":"O&L LAW GROUP, P.L.","doc_count":1},{"key":"Ocwen Financial Corporation","doc_count":1},{"key":"Oliphant United, Inc.","doc_count":1},{"key":"PENNYMAC LOAN SERVICES, LLC.","doc_count":1},{"key":"Paypal Holdings, Inc","doc_count":1},{"key":"REGIONS FINANCIAL CORPORATION","doc_count":1},{"key":"Rausch Sturm LLP","doc_count":1},{"key":"Roach & Murtha, P.C.","doc_count":1},{"key":"Spring Oaks Capital, LLC","doc_count":1},{"key":"Stillman, P.C. d.b.a. Stillman Law Office","doc_count":1},{"key":"T.S. Holdings","doc_count":1},{"key":"TCF NATIONAL BANK","doc_count":1},{"key":"WELLS FARGO & COMPANY","doc_count":1},{"key":"WSFS FINANCIAL CORPORATION","doc_count":1},{"key":"Webcollex, LLC","doc_count":1}]}},"state":{"meta":{},"doc_count":996,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"CA","doc_count":156},{"key":"TX","doc_count":127},{"key":"FL","doc_count":80},{"key":"NJ","doc_count":49},{"key":"NY","doc_count":49},{"key":"GA","doc_count":41},{"key":"MI","doc_count":38},{"key":"IL","doc_count":35},{"key":"NC","doc_count":35},{"key":"PA","doc_count":26},{"key":"VA","doc_count":25},{"key":"AZ","doc_count":24},{"key":"SC","doc_count":22},{"key":"TN","doc_count":22},{"key":"CO","doc_count":21},{"key":"WA","doc_count":20},{"key":"MD","doc_count":18},{"key":"MO","doc_count":16},{"key":"OH","doc_count":15},{"key":"AL","doc_count":14},{"key":"MA","doc_count":14},{"key":"AR","doc_count":13},{"key":"MN","doc_count":12},{"key":"CT","doc_count":11},{"key":"IN","doc_count":11},{"key":"NV","doc_count":11},{"key":"KY","doc_count":8},{"key":"LA","doc_count":8},{"key":"MS","doc_count":8},{"key":"NH","doc_count":8},{"key":"OR","doc_count":7},{"key":"DC","doc_count":5},{"key":"UT","doc_count":5},{"key":"KS","doc_count":4},{"key":"OK","doc_count":4},{"key":"UNITED STATES MINOR OUTLYING ISLANDS","doc_count":4},{"key":"VT","doc_count":4},{"key":"WI","doc_count":4},{"key":"HI","doc_count":3},{"key":"RI","doc_count":3},{"key":"DE","doc_count":2},{"key":"ND","doc_count":2},{"key":"NE","doc_count":2},{"key":"AK","doc_count":1},{"key":"ID","doc_count":1},{"key":"ME","doc_count":1},{"key":"MT","doc_count":1},{"key":"NM","doc_count":1},{"key":"SD","doc_count":1},{"key":"WY","doc_count":1}]}},"company_public_response":{"meta":{},"doc_count":996,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":144},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":36},{"key":"Company believes the complaint is the result of a misunderstanding","doc_count":4},{"key":"Company disputes the facts presented in the complaint","doc_count":3},{"key":"Company believes the complaint provided an opportunity to answer consumer's questions","doc_count":2},{"key":"Company can't verify or dispute the facts in the complaint","doc_count":2},{"key":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","doc_count":1},{"key":"Company believes complaint is the result of an isolated error","doc_count":1}]}},"tags":{"meta":{},"doc_count":996,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":111},{"key":"Older American","doc_count":33},{"key":"Older American, Servicemember","doc_count":5}]}}},"_meta":{"license":"CC0","last_updated":"2026-08-16T12:00:00-05:00","last_indexed":"2026-08-16T12:00:00-05:00","total_record_count":17135467,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[15.633652,"9953914"],"3":[15.244854,"7318888"],"4":[14.954822,"5039769"],"5":[14.664139,"23278959"],"6":[14.408589,"4488883"],"7":[14.141899,"21445491"],"8":[13.936863,"7744355"]}}}