| 09/01/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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PUBLIC THIS IS A PUBLIC COMMUNICATION TO ALL Notice to agent is notice to principal Notice to principal is notice to agent Applications to all successors and assigns All are without excuse Common Law Private American Civilian National Without prejudice XXXX XXXX XXXX ALL inalienable and fundamental rights reserved non waived. XXXX XXXX XXXX, Authorized Representative/Attorney-In-Fact for : XXXX XXXX I, XXXX XXXX XXXX requested debt validation via certified mail on XX/XX/XXXX to : Prosper Cards XXXX XXXX XXXX XXXX, Texas XXXX. In this letter, I gave 30 days notice for Prosper Cards to respond and provide me with the information that I requested. Additionally, I requested that Prosper Cards cease all debt collection efforts until they were able to provide me with the information I requested in writing. I requested that Prosper Cards cease the reporting of unverified, invalidated inaccuracies, pursuant to the Fair Debt Collections Practices Act ( FDCPA ). Further, I asked that Prosper Cards cease all telephone and electronic ( including email ) correspondence with me until the proper information could be provided in writing. Prosper Cards has ignored my request, and Prosper Cards has failed to provide me with the validated debt they claim I owe them. On XX/XX/XXXXXXXX I received a an email from Prosper Marketplace Support/Prosper Client Services that included attachments that do not meet the criteria for the information I have requested ( see attached ). I have received zero correspondence from Prosper Cards in writing as I have requested. Therefore, I am submitting a complaint to the CFPB in hopes of a resolution.
TO ALL PARTIES AND THEIR ATTORNEYS OF RECORD : PLEASE TAKE NOTICE THE DEFENDANT XXXX XXXX XXXX. al, gives notice, THIS IS A PUBLIC COMMUNICATION TO ALL ; Notice to agent is Notice to principles ; Notice to principles is Notice to assigns ; Applications to all successors and assigns ; All are without excuse It is not now, nor has it ever been XXXX XXXX et als intention to avoid paying any obligation that is legally and lawfully owed. THEREFORE, XXXX XXXX et al hereby gives notice, as XXXX XXXX et al, has always given notice, in order that XXXX XXXX et al can make arrangements to pay an obligation which XXXX XXXX et al may owe, obligatory lawfully legal documentation that has been lawfully and legally verified and validated the claimed allegeddebtmust be done so by complying in good faith with request for validation, and notice that XXXX XXXX et al does dispute part of, or ALL of the XXXX XXXX XXXX XXXX XXXX et. al. non verified nor validated claimed alleged debt. THEREFORE, XXXX XXXX et al, hereby memorializes this notice for the record on the public record to be made part of the record, and does put Prosper Cards et.al. on notice, due to continual demands to produce legally lawful evidence with proper jurisdictionally substantive supporting statutes and case laws that support each and every claimed allegations made by Prosper Cards et.al. 1. Prosper Cards et.al. are hereby demanded to furnish a copy of the original promissory note redacting alleged social security number to prevent identify theft and state under penalty of perjury under oath, that they are the account holder in due course of the promissory note and will produce the original for XXXX XXXX et als own, and a judges inspection should there be a trial to contest these matters. 2. Prosper Cards et.al. are hereby demanded to produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect by authority of XXXX XXXX Presentment, which has continually failed to be produced on the public record for the public record to be made part of the record. 3. Prosper Cards et.al. is hereby demanded to identify by name and address all persons, corporations, associations, or any other parties, but not limited to, having an interest in legal proceedings regarding the alleged debt, but not limited to. As records show, XXXX XXXX et al gave ample notice stating XXXX XXXX XXXX al was exercising XXXX XXXX 's rights under authority of : FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy an completeness of the information to be provided to the consumer by the agency, including the business name and address of ANY and ALL furnishers of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' In accordance, Prosper Cards et.al. are to provide XXXX XXXX with the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each and ALL person ( s ) contacted regarding alleged account, and amount owed. A copy of ANY documents provided bearing XXXX Grants wet ink signature, showing that XXXX XXXX has a legally binding contractual obligation to pay Prosper Cards et.al. Verification of valid basis for claiming XXXX XXXX is required to pay the alleged claimed current amount owed. Details about the age and amount of the debt including a copy of the last True Bill from the original creditor. A detailed explanation of ANY interest added or payments made since the last TRUE BILL and the legal authorization for this interest. The date the original creditor claims the alleged debt became delinquent. Unlike a statement, or invoice that show what was owed, and has already been paid, that is also affirmed by the South Carolina Comptroller Governors Annual Report, and the GAO ( General Accounting Office ), a TRUE BILL shows what is owed, and has not been paid. Whether this debt is within the SOL ( Statute Of Limitations ), and precisely how that was determined. Details about Prosper Cards et.al. authority to collect the alleged debt : Prosper Cards et.al. are licensed in the state of residence, and if so provide the date of license, name on the license, and the license number, and the name, addresses, and telephone number of the state agency issuing the license. If Prosper Cards et.al. are contacting XXXX XXXX from out of the state, provide the licensing information from Prosper Cards et.al. state as well. NOTICE WAS, AND IS STILL GIVEN, ANY AUTOMATED RESPONSE OR E-OSCAR VERIFICATION IS UNACCEPTABLE Due to no responses from Prosper Cards et.al. XXXX XXXX gives notice that : Prosper Cards et.al. engaged in, and continue to engage in : negligence and harassment against XXXX XXXX by emailing XXXX XXXX and ignoring XXXX XXXX XXXX. request for validation in writing. FURTHERMORE, Prosper Cards et.al. have refused to provide CORPORATE GOVERNMENT EMPLOYEE QUESTIONNAIRE FORM This questionnaire form is lawfully legally obligatory to return as it is enacted by the Senate and the House of Representatives of the United States of America by Congress assembled, that is cited by THE PRIVACY ACT OF 1974 ( As Amended ) Public Law 93-579, as codified at 5 U.S.C. 552a. As records show, Prosper Cards et.al. are in fact corporate government employees, and are therefore legally and lawfully obligated to return a fully compliant Corporate Government Employee Questionnaire Form. I give notice I do not know the law. I give notice that the foregoing is true and correct to the best of my knowledge. Common Law Private American Civilian National Without prejudice XXXX XXXX XXXX ALL inalienable and fundamental rights reserved non waived. XXXX XXXX XXXX XXXX XXXX, Authorized Representative/Attorney-In-Fact for : XXXX XXXX Subscribed To And Sworn To Before God [ Titus 1:2 ] this 1 day of XX/XX/XXXXXXXX Acknowledgement By Publication Notice to agent is notice to principal : Notice to principal is notice to agent :
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| 02/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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DO NOT GET THIS CARD. Oh my goodness gracious good golly me, I should have listened when I read someone say the exact same thing.
Yes, it is easy and has a low interest rate..but that is it AND they barely even provide those things. It is very sneaky in the beginning when they let you access your funds digitally even though you haven't gotten your card yet and I should have seen that red flag a mile away. Off the bat, the card also starts denying charges randomly like big purchases and approving minute things like fast food and groceries. The whole XXXX reason I got this card is because my truck broke down and my dog got very sick and passed away within the same two week period and I needed help. Once I had access to my funds, despite all of my settings being exactly where they should be ... .time and time again this card would deny charges, despite them being located within a few zip codes of my address. So nothing to alert fraud about. A text even came through on my phone asking me if a charge to my veterinarian was fraud. I said it was not, but it still proceeded to deny charges 4 times before I had to give up, charge my debit card and go into over {$1000.00} worth of debt for over 3 weeks that I just climbed out of yesterday.
Again, I was approved for a card with a balance of {$2100.00}, AND I COULD NOT USE IT WHEN I DESPERATELY NEEDED TO. Do you know frustrating, maddening and honestly tear inducing it is to not be able to pick up the ashes of your dead dog or get your truck out of the mechanic shop even though it is ready for you, all because your new credit card that you got ( ironically called prosper even ) won't go through and you KNOW you have the available funds.
These people are evil, and this company should be ashamed of itself.
Customer service a a XXXX joke. They send you first in a 3-7 hour call loop where not a soul will pick up the phone, and whenever you think you've found help, it's just the awful answering service cutting out and making you THINK someone is about to answer your call. ( This will happen around 50 times depending how long you sit on that call while contemplating life and its meaning. ).
After you've sat on hold for 3 hours the first time, you hang up angrily and XXXX " poor customer service prosper card contact information '' on XXXX and find a different number! AWESOME!? no. It's the same call loop only that it now has a person who answers! ( who was quite friendly I will give her that ) but has : 1. No Clearance to help your special problem, and doesn't really seem to know who does. ( HINT - IT IS THE FRAUD DEPARTMENT ... SEND ME THERE! ) 2. No idea where to really send you, so they send you back to the original number that is provided for customer service. But hey! That number is the one you sat on hold with for XXXX hours the first time. AND IT GOES ON AND ON AND ON AND ON AND ON.
Don't get me started on email correspondence either. I tried the email address provided ( XXXX once I knew the call number was a joke, but this my friends, this is an absolute joke. My first email : _______________________________________________________________________ Support XXXX XXXX XX/XX/2022 XXXX PM Prosper Customer Support Hi, Were reaching out to confirm that weve received your issue and are working as fast as we can to address your concern. We apologize, were experiencing extremely high email volume at this time.
If your matter is urgent, please feel free to give us a call as soon as you can.
Heres the latest activity regarding your issue : ______________________________________________ XX/XX/2022, XXXX XXXX Hello, My card ending in XXXX has been denying some charges.
I thought it was at first because of the controls and alerts I had selected, but after enabling all transaction types my vet is still unable to process a {$520.00} charge that I need to go through.
I was hoping this could get resolved!
Thank You.
______________________________________________________________________ My second email came after NOTHING was done about my first email, oh wait yes it was. MY CARD WAS SUDDENLY RESTRICTED after I had complained about it and I was totally unable to use it, even at a freaking XXXX XXXX. I again waited on hold for 2 hours with no answer from anyone and then my second email was not so nice.
______________________________________________________________________ Support via XXXX Sun, XX/XX/XXXX, XXXX AM ( 2 days ago ) to me Prosper Customer Support Hi, Were reaching out to confirm that weve received your issue and are working as fast as we can to address your concern. We apologize, were experiencing extremely high email volume at this time.
If your matter is urgent, please feel free to give us a call as soon as you can.
Heres the latest activity regarding your issue : X ____________________________________________________ XX/XX/2022, XXXX PST I am officially filing a claim with the BBB that you are a fraudulent and misleading company that takes advantage of its customers.
My card has been denying charges.
I complain.
You RESTRICT MY CARD FOR NO REASON.
This is fraud.
______________________________________________________________ Notice how it takes them 2 whole days to return an email, and in both emails, you just get a generic " Yeah, okay, whatever we'll look into your issue when and if we can '' response and it is absolutely infuriating.
If you need any more proof that this card is a joke, a fraud and these people should be held responsible, I will gladly provide it to you. I have screenshots, emails, recordings and more. This is unfair and should be shut down before more people fall victim to it.
**I have read that it is also very hard to pay off your balance on this card and it then goes into collection. While this has not yet happened to me, I am only assuming it will by the type of procedures and policies that this company has. DO NOT GET THIS CARD.
PLEASE PLEASE PLEASE PLEASE PLEASE PLEASE DO NOT GET THIS CARD. I don't care how bad you are hurting, you will hurt worse. I and many others can attest to it.
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| 09/09/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Incorrect information on your report
- Personal information incorrect
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Web |
Older American |
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I have evidently been a victim of identity theft and fraud. I was called by a woman, the caller ID said she was from XXXX XXXX XXXX , XXXX. Apparently these people can change the name on their phone number. Because it WAS NOT a business remotely associated with XXXX.
She was very enthusiastic, and personable, and said that she believed we could do business. I listened to her, and I trust XXXX completely, as not a thing has ever gone wrong that they did not fix immediately. At the end of her discription, when she said I had to contribute {$5000.00} to get the business, I told her that I couldn't do that, and thanks, but I can not do business with you. I was about to hang up, when she said, " Wait, maybe we can get you a loan to do it. I'll transfer you to a financial representative. '' The next thing I knew, I was talking to another very personable lady. She got my trust ( along with XXXX ) as she went along, explaining how it worked. They had contacts, XXXX XXXX, who would fund something that would help the right person. I do know that there are good and kind people out there, but I didn't expect them to fund me for a business that would return me money. This lady told me stories of other people and what good things these businesses did for them. And it wasn't a get rich quick, and become a millionaire type thing. I was very leery, because I was XXXX, on social security XXXX. And while I had been smart before I got sick, I was definitely XXXX XXXX for decades after I was sick. So I did not think I could do it. She went along and along, drawing me in, and getting my information from me between these stories, and how it worked, and how she thought, but couldn't promise anything, that she could get a loan for me. Eventually, over a long time, I ended up giving her all the information that she needed to GET me a loan -- and take the money soon as it was deposited to my account. I was not ready for this. I thought that at least I had to sign for the loan, or at least E-sign for it. I couldn't believe it when {$7100.00} went into MY ACCOUNT and were immediately debited out of it. I called and she reassured me that it was legal and they were designing a website for me as we spoke. A month later, a pmt from Prosper Bank was debited from my account as a payment for a loan I neither applied for, signed for, nor got any money for. I called the " business '' and was told that it took two months for me to make money, so I should be calm. I was NOT calm. I called a number of times, but mostly never got an answer on the phone. Not the main number, nor the number she gave me that was a direct line to her. Well good, but she never answered it, and the voicemail was full. After almost two months of calling, I stopped getting any answer to any phone call. After two pmts were debited, I was frantic, and I looked up Prosper from the statement, and called them.
They said " you didn't sign for the loan? '' But no big deal. But when I said I had not applied for a loan, I didn't even know who they were, I had to look them up on XXXX, that's when I got a reaction. " YOU did not apply for this loan, at all? '' That was something to them. They need to know who they are dealing with in the future. That is a definite hole in their procedures.
In any case, they sent me a letter telling me that they were not responsible for what I did with the money once it went to my account. Definitely, they were not responsible. My thought was that while they had a hole in their online business practices, they were not the ones who stole the money. A player in it. But not the main one.
I called a credit repair company I had used in the past. I told them the story to see if they could tell me what to do. Then I did what they said. I felt so awful about this, so terrible I can't tell you. And I still do. Being taken like that. So XXXX, XXXX, XXXX! I called the police. Then I went to the bank. They closed my account essentially, and opened a new one. I kept repeating that I would NEVER EVER do anything like that again!
So many mistakes were made after that. I forgot to change my automatic drafts for the bills to the new account, and all those were returned. Even two that I identified for XXXX XXXX XXXX, who took money from my new account to pay those auto drafts. But they didn't pay them. So fees .... Whatever. I was so confused, I paid other bills, not realizing they were coming out of the old account. Anyway, I have spent so much time and energy and money on this, it's crazy. Not to mention how BAD I felt,, and the lack of funds to do anything with.
The only documents I have are the deposit and withdrawal, the same day, from my checking account. The Deposit from Prosper electronically, which has some numbers on it. The check that this company used. It almost LOOKS like a check from my account and it is near the order of the numbers of the checks. But in place of my signature is typed in : SIGNATURE NOT REQUIRED. Your depositor has authorized this payment to payee. Payee to hold you harmless for this document. This document shall be deposited only to the credit of the payee. AND, the Payee is typed in as XXXX XXXX XXXX XXXX XXXX, XXXX. The endorsement on the back is hand written : for deposit only ... And the account number XXXX.
Is there any where that has me personally involved? No. And the loan is for {$7100.00}. So, {$120.00} extra was deposited, that must be paid back to Prosper, and they need to return the two loan payments to me. I really hope that someone gets the real criminals to pay back the money 's they took.
I don't know how this will turn out, but I don't get that much in SSD in 3 months. The loan was applied for on XX/XX/19, and proceeds were advanced XX/XX/19, a Friday The proceeds were taken out on XX/XX/19, the next Monday.. I didn't notice the advancement of the proceeds. But I doubt I could have stopped the check withdrawal, anyway.
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| 11/18/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. PROSPER MARKETPLACE IN & {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX
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| 09/14/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Earlier this week, after receiving a mailer showing I was pre-approved for a Prosper Debt Consolidation Loan for up to {$35000.00}, I applied for a {$15000.00} Debt Consolidation loan. ( It 's worth noting, that I also specifically selected that I wanted the money for debt consolidation. ) To days later, after asking for me to submit proof of employment, I was approved for the full {$15000.00}, however, there were two major issues. First, they went ahead and changed the loan to call it a " home improvement '' loan. Second, they said my interest rate was based on a XXXX credit score of XXXX ( although my TransUnion score is, and was at all times relevant, XXXX! ).
Upon seeing that I was approved, and seeing that they have either mistakenly or perhaps fraudulently mis-labeled my loan and misstated my credit score, I immediately called them. I ended up speaking with two representatives -- the second being a supervisor. Both of them attempted to convince me that " it does n't matter is the incorrectly shows the loan to be for home improvement, not debt consolidation. '' Both of them were unwilling to correct the mistakes ( lies? ), but were absolutely willing to fund the loan knowing that the application contained false information! I was telling them the application contained false information and they were telling me that it was okay and that they could n't change it, but only cancel the application completely. I said, " yes, then absolutely cancel it! '' After they sent me a confirmation of an email showing the loan application now cancelled, I sent them the following reply " Yes, I requested the cancellation. After just hanging up with your " escalation '' representative, I notified Prosper of the following : ( 1 ) My Loan Application was incorrectly ( fraudulently? ) labeled as a " Home Improvement Loan '' which it was not supposed to be. When first applying, I specifically used a pre-approved mailer code for " debt consolidation '' ; furthermore, I selected debt consolidation as the reason for the loan, not " home improvement ''. Nowhere in the process did I select " home improvement ''. In calling to discuss this error, two of your representatives tried to assure me that this error was inconsequential to everyone, including your investors, a point I find to be disturbing and legally unsettling. Moreover, they each told me that I should n't worry about the loan being incorrectly ( fraudulently? ) labeled. In short, they both exhibited a cavalier approach to what should be a matter of great legal significance to not just myself, but your investors ( loan funders? ). But more importantly, their assertion that this type of error simply does n't matter much is absolutely contrary to the law for reasons not worth getting into in this email. Nevertheless, the fact that your company was willing to still fund this loan after being specifically informed that there was an error of this kind is extremely troubling to me and makes me wonder about the way your company does business. I had to ask that the loan be cancelled, and even after I did, I felt that the representatives were trying to scare me into keeping the application, as is. They each said something to the effect that " You will have to start the process all over again because we can not make the change. '' To which my response was obviously something to the effect of, " Why would I allow you to mischaracterize my purpose for the loan or allow your company to falsely record my credit score? Yes! Please cancel it immediately! '' ( 2 ) Additionally, there was another major error with the application which I informed your representatives about. Specifically, your company informed me that the interest rate was based upon my XXXX credit score which your company states is XXXX. This is absolutely false! My XXXX Credit Score was at all times relevant XXXX, not XXXX. I have a credit report showing this to be true and I am on top of monitoring my credit score via a monitoring service via XXXX. In fact, I have n't had a credit score that low in over a year! When I brought this point to the attention of your representatives, they both essentially tried to suggest that my credit score improved by almost 64 points in the last couple of days. Absolutely remarkable!
In essence, your company wanted to provide me a loan on information that your company knew itself to be false. I find that fact to be troubling to say the least. I will not be re-applying and I am considering bringing this matter to the attention of the Consumer Financial Protection Bureau.
Sincerely, XXXX XXXX " -- -- -- By their actions in changing my application and falsely ascribing an incorrect credit score to me, and in consideration of their continued willingness to cover the mistake/fraud up and still go through with a loan that they knew was false, I believe that this company is acting improperly and not in the interest of a fair marketplace. Not only would they have put me in a worse position had I accepted their false application, but they would have essentially been lying to their own investors in claiming that my loan was for home improvement, rather than for debt consolidation!
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| 08/13/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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I applied to 'SEE MY RATES ' without it affecting my credit score. I was offered {$2000.00}. I get a letter today about my credit score which is XXXX and all the excuses why I could n't get this loan. I do n't understand why they sent this letter. It makes no sense. The XXXX XXXX offered me {$15000.00} the same day. I have not accepted any loan from either. I have borrowed from Prosper last year and paid it back early. ( see the letter I got today in this email ) ... it makes no sense. 1 ) What Prosper is saying about my credit report is NOT TRUE.. 2 ) It looks like to me just inquiring DOES affect the score and or the information otherwise, Prosper would not have even offered {$2000.00} and XXXX XXXX {$15000.00} or unless either or both colluded or the inquiry affected the others offer via my credit report. What is really going on here? Dont we have a right to know? Here 's the email I got today : XX/XX/XXXX Dear XXXX, Your recent loan request on Prosper exceeds the amount your FICO08 score and Prosper Score qualify you for. You are eligible to post a loan request for a lower loan amount. Prosper uses a credit scoring system that assigns a numerical value to the various items of information we consider in evaluating a listing request. These numerical values are based upon the results of analyses of repayment histories of large numbers of consumers. The information you provided resulted in credit scores that were below the minimums needed to post a listing. The reasons you did not score well compared with other applicants are : Revolving and installment debt obligations are too high relative to income. Average balance on open student trades is too low. Serious delinquency Proportion of balances to credit limits is too high on bank revolving or other revolving accounts In evaluating your application, we also obtained your FICO08 credit score from XXXX, a consumer reporting agency, and used it in making our credit decision. XXXX played no part in our decision and is unable to supply specific reasons why we were unable to accept your loan request. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at XXXX. You also have a right to a free copy of your report from XXXX, if you request it no later than 60 days after you receive this notice. It can be obtained by contacting XXXX at XXXX, XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX, toll-free telephone no. ( XXXX ) XXXX. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency, XXXX. Your FICO08 credit score is a number that reflects the information in your consumer report. Your credit score can change, depending on how the information in your consumer report changes. Your credit score : XXXX Date : XX/XX/XXXX The FICO08 credit score ranges from a low of XXXX to a high of XXXX. Key factors that adversely affected your credit score : Serious delinquency Proportion of balances to credit limits is too high on bank revolving or other revolving accounts Proportion of loan balances to loan amounts is too high Too few accounts currently paid as agreed Loans originated through the Prosper marketplace are underwritten and made by XXXX, XXXX XXXX XXXX, UT, member FDIC. Prosper is providing this notification to you on behalf of XXXX. Please contact Prosper at the address shown below if you have any questions about this letter : Prosper Marketplace , Inc . XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX 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 compliance with this law concerning XXXX is the Federal Deposit Insurance Corporation, FDIC Consumer Response Center, XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX, Missouri XXXX and concerning Prosper is the Federal Trade Commission, Equal Credit Opportunity, XXXX, XXXX XXXX. Thank you, Prosper
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| 06/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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On XX/XX/2022, I applied and was approved for a credit card from Prosper Funding LLC. in the amount of {$1500.00}. Part of their advertising for the card is that you can " get instant access to portion of your credit line while your physical card is in the mail! '' That messaging appeared in several places and contributed to my decision to apply for the card.
Once I was approved, I immediately downloaded the app and tried to log in to access my account and the portion of my credit line that I was told would be available to me instantly. However, in order to create a login for the account, Prosper 's app requires you to input the credit card number. I tried multiple online portals to see if I could get access to my account number, but it is not possible without the physical card.
I waited over four weeks for my card to arrive in the mail, but it never did. I noticed that the account was ( and still is ) being reported as open on my credit report, but I have never received the physical card or activated my account in any way.
On XX/XX/2022, I emailed Prosper customer support about my issue. See the attached documents for transcripts. They replied that my card was shipped on XX/XX/2022, and that if I had not received it after XXXX business days, I should call their customer support phone number for further assistance.
I waited a little longer to see if my card would arrive. Then, on XX/XX/2022, I called the customer support number and told them I never received the card, and that I was unable to access any portion of my credit line despite " instant access '' without needing the physical card being repeatedly advertised as a benefit of signing up for an account with them.
They asked me if I wanted them to send another card to the same address. My address was confirmed correct, so I told them I don't trust that I will receive another piece of mail since I never got the first one. I asked them to instead close my account because I didn't want to deal with them anymore. They confirmed that I wanted to close my account. I asked them to send me an email with confirmation that my account is being closed. They repeatedly told me they would mail a letter of confirmation to my address. I told them that I did not trust that letter to ever arrive since the card they sent me never arrived either. I asked them to please email me confirmation. After repeatedly being told they would physically mail it to me instead, they finally said they would email me confirmation. I asked when. They said to allow XXXX hours. I asked them to please send me an email before I hung up the phone so I could have written confirmation of the account being closed. They said they couldn't do that and to please allow XXXX hours to receive the email.
I never received an email with confirmation of the account closure. I never received physical mail with confirmation of the account closure. I never received the physical card or account number required to access my account in any capacity. I never received the ability to " instantly access '' a portion of my credit line. Now I have a credit card being reported as open on my credit report that I have zero access to, and I don't trust Prosper to handle my complaints any longer. I never had access to this account, so it should be completely removed from my credit report. Prosper should be investigated for false advertising of " instant access '' to a portion of your credit line. I can not be certain that this is not outright fraud. I'm sure there are fees associated with that account that will eventually be charged to me if it is left open without me having access to it. If they do close the account and report that, that will negatively affect my credit score. How can closure of an account I never had access to be allowed to be on my credit report? All history of this account should be removed from my credit report. I want confirmation in writing that my account is closed, and I want confirmation that this entire ordeal will not negatively affect my credit score in any way.
NOTE : I can not provide my credit card number in the next step of this reporting system, because I never received it and have no way to access it, as detailed above.
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| 11/17/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with the payoff process at the end of the loan
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Web |
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I have contacted Prosper in writing ( delivered via XXXX ) twice and by phone once and have not received a satisfactory resolution to the following issue. I have received general emails that do not pertain to my account or my account issue.
I opened a personal loan with Prosper on XX/XX/XXXX in the amount of {$28000.00} for a duration of 60 months. I elected to have the monthly loan payments automatically drafted from my XXXX XXXX XXXX checking account once a month from the time I opened the loan until the loan was paid in full. During the COVID pandemic, Prosper offered a 90 day/ ( 3 ) three monthly payment deferral program that I agreed to participate in. The way the deferred payments were described and presented by Prosper was that the ( 3 ) three monthly payments would extend the loan term by 90 days/ 3 payments.
On XX/XX/XXXX I was notified by a third-party credit reporting agency XXXX XXXX XXXX that the Proposer loan was being reported as having a 30 late payment by the XXXX, XXXX and XXXX Credit Bureaus XXXX Having never missed a payment on this account or any account ever, I contacted Prosper via email and received no response. A few days later I contacted Prosper by phone and after being transferred to three different Customer Service Representatives, I was made aware that I did not miss a loan payment, however, the entire loan balance was due which was the total of 3 months of payments that were deferred during COVID. Additionally, the automatic payment was terminated without my knowledge. I was under the impression that the automatic payments would continue ( 3 months longer ) until the loan was paid in full and to address the three COVID deferred payments.
Upon learning the entire balance was due, I immediately logged in online and paid the balance of {$2800.00} off in full and the account was with a XXXX balance as of XX/XX/XXXX, four days after being notified the deferred payments/ balance was due. It was my understanding when accepting the COVID payment deferral that my auto payments would continue to collect the 3 deferred payments at the end of the loan.
I was told management would review my concern and provide a response and resolution within five to ten business days, in which I never received a response from management. I have since reached out to Prosper by mail and email asking that 30 late payment be removed my credit reports since payments on the loan were never late and the auto withdrawals were terminated without notice. The email responses I have received either did not apply, did not answer my questions or address my concerns and instead were back and forth responses by the Customer Service Representatives that was a continuation of the poor customer service received from my initial contact with Prosper in an attempt to resolve this matter.
As a result of Prospers inaccurate reporting of a 30 day late payment to the Credit Bureaus, my credit score has been negatively impacted by +/- XXXX points, one credit card Creditor has lowered my credit limit on my account with them and another Creditor has closed my account. The negative reporting of the repayment of this loan is misrepresentative and deceptive since the loan never had a missed payment. I also have never had a missed or late payment on any account in the twenty-eight years of having established credit. Additionally, I have never had a missed or late payment on previous and current loan with Prosper. I have attached a payment ledger showing that a payment was made every month for the duration of the loan.
The fact that the repayment terms of the deferred payments and the termination of automatic withdrawals were not explicitly conveyed during the acceptance of the COVID payment deferral program, the terms were deceptive causing my credit to be negatively impacted.
I am respectively requesting your assistance in the removal of the 30 late payment from my XXXX ; XXXX, XXXX and XXXX XXXX XXXX upon which I will consider this issue completely resolved. This seems like a reasonable request, since the loan balance was immediately paid in full upon being notified.
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| 11/22/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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My name is XXXX XXXX I've had a Prosper account about XXXX years never been late on a payment I always make my payment online via my home computer never really had a problem on time payments led to Prosper giving me a credit line increase and I want to say thank you. I had a payment due on XX/XX/XXXX I tried to login and make that payment XX/XX/XXXX the account said I need to reset my password, so I clicked the link a message popped up say they sent a code to my email I never got the code they are closed on the weekend. So, Monday morning I'm calling trying to get into the account to see my bill don't know the amount because I can't login and I need to make a payment after speaking to a supervisor who required me to have a XXXX account said that I need to create one and call them back because my email is invalid I questioned her saying that's not in the agreement she insisted that to have a account with Prosper you need a XXXX account this is a lie I have the call recorded I filed a complaint with XXXX on XX/XX/XXXX this is a Unfair and deceptive act that's not their policy so why is a supervisor enforcing policy that's not so I also sent a email to their customer support they responded on XX/XX/XXXX via email same email that I can't get a code giving options to pay and sending me my statement in a link attracted to the email on the day it's due they responded to the XXXX complaint telling me to mail my payment on XX/XX/XXXX I responded to them explaining I go out and get a m/o go to the post office and now my transportation is in the shop I have to borrow a car never had to mail a payment on XX/XX/XXXX support emailed and said try to reset your account now I did this time the message popped up the email section was blank I filled it in and got the code made the payment. I tried to talk to a supervisor this morning about the payment he acted as if I just missed the payment attacked say that I logged into my account on the XXXX and I should have made my payment say that they waived the late fee as a courtesy and said Prosper is not at fault They locked me out and did not resolve the issue till XX/XX/XXXX that along with the lying and deceptive acts theses are violation of CFPB regulations and why are you calling the consumer a lie by saying he logged in on XX/XX/XXXX this is from Prosper 'XXXX XXXX response " From the Business on Tuesday, XX/XX/XXXX Dear XXXX, We appreciate you communicating up with us.
We understand that it can be very frustrating when youre not able to access your account. We are glad to see that our agent was able to assist you with gaining access to your account online and that you successfully logged in on XX/XX/XXXX.
Please be advised that we are in the process of waiving the late fee associated to you XXXX statement and see that you were able to make a payment today. Once this payment is fully processed we will go ahead and waive the interest that had accrued due to the late fee and a member of our team will reach out to you via email once this has been taken care of.
If you have any questions concerning your credit card account, please feel free to contact us at XXXX or XXXX Sincerely, Prosper Client Services They have noted my account different after speaking to the supervisor this morning they are trying to blame me CFPB reg ( f ) Changes by card issuer. If a card issuer makes a material change in the address for receiving payments or procedures for handling payments, and such change causes a material delay in the crediting of a payment to the consumer 's account during the XXXX period following the date on which such change took effect, the card issuer may not impose any late fee or finance charge for a late payment on the credit card account during the XXXX period following the date on which the change took effect.
They are in violation of this, and they did not deliver a statement for XXXX I'M REQUIRED TO RECIEVE A STSTEMENT 21 DAYS BEFORE THE DUE DATE PER YOUR RESPONSE TO XXXX YOU DID NOT GET ME LOGIN TIL XX/XX/XXXX MY STATEMENT IS ELECTRONIC HAVE TO LOGIN TO SEE IT THAT'S A VIOLATION
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| 06/12/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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There are at least XXXX negative accounts on each XXXX of XXXX credit reports that I have with XXXX and XXXX . I have one with XXXX . After reaching out several times to all XXXX bureaus about these items that were fraudulent on my reports, they in turn reached out to each creditor ( so they say ) with my concern. Within days, my reports came back as verified and accurate. I have requested from credit bureaus as well as all creditors involved to provide me with my handwritten and/or electronic signature as proof that I am the one who opened the accounts per FCRA guidelines. NEITHER companies will comply and is in direct violation of the law. I have compiled my police report that XXXX told me to get this year, ID Theft Affidavit ( dtd as far back as last year ) showing the accounts were not mine, as well as justified staff opinion letters, and a notarized item letter to address each account in question. All of my legal documents were ignored, and discarded. The credit bureaus/creditors still have not been able to provide me with proper documentation of my signature so that I may move forward in a civil suit against the perpetrator who has used my name and identification fraudulently. That is the main reason why I need this information, but since the companies have failed to provide me with it, now they are in direct violation. According to FCRA sect 6 ( b ) guidelines- Consumer 's signature must be provided as identification method for an account to be declared verified. If it can not be, the report must be fixed to reflect the deletion of the item permanently from the report. Be advised that if there is no resolution to this case, I will be including these companies in my lawsuit as well.The following creditors are in question : XXXX - ( cert letter sent XXXX ) listed XXXX times on XXXX report, XXXX times on XXXX report, and XXXX time on XXXX - all different account numbers. This company has failed to even respond back to my request for the legal contract with my signature.
Prosper Marketplace- ( cert letter sent X/XX/17 ) listed on XXXX and XXXX report- responded back with ID theft affidavit/police report which I in turn sent back to them ( still awaiting their response ) XXXX XXXX - listed on XXXX / XXXX report- ( cert letter sent X/XX/17 ) responded back without providing legal signature of signed contract. Mysteriously sold the account to an unknown company thereafter. BE IT KNOWN that I shall have no dealings with third party debt collectors, only said original creditors that are listed on my report per FCRA guidelines.
XXXX XXXX aka XXXX XXXX - listed on XXXX / XXXX report- ( cert letter sent X/XX/17 ) responded back with a " typed name '' and using that as my signature. This is unacceptable and does not fit the requirements listed in the terms of the FCRA.
XXXX - listed on XXXX / XXXX report- ( cert letter sent X/XX/17 ) responded back with no valid signature on file for me. Just a " clickable dot '' that was suppose to confirm my signature. They quoted the E-Sign act in which this case would not be applicable having had my identity stolen. As we all know, anybody from any computer can do that. Requested MY ACTUAL signature IAW FCRA and they have not responded back.
XXXX listed on my XXXX / XXXX report- ( cert letter sent X/XX/17 ) failed to respond back within allotted 30 day requirement.
XXXX XXXX XXXX - listed on my XXXX / XXXX report- ( cert letter sent XXXX ) failed to respond back within allotted 30 day requirement.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- End Of Statement -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --
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| 01/17/2024 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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Prosper Funding LLC responded to my complaint but did not provide the documents as i requested. If there is an legitimate debt that is owed there should be accounting records for this transaction. 16 CFR 433.1 states that a purchase money loan is received in return for the finance charge therefore Prosper Funding LLC did not loan anytthing but actually received a cash advance this is false misrepresentation. If this is not true produce the records that prove otherwise I am not asking for a simple contract but official accounting records. It is my belief that Prosper has failed to properly account for the proceeds of this transaction.
( d ) Purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( 1 ) refers consumers to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. ( e ) Financing a sale. Extending credit to a consumer in connection with a Credit Sale within the meaning of the Truth in Lending Act and Regulation Z.
( f ) Contract. Any oral or written agreement, formal or informal, between a creditor and a seller, which contemplates or provides for cooperative or concerted activity in connection with the sale of goods or services to consumers or the financing thereof.
( g ) Business arrangement. Any understanding, procedure, course of dealing, or arrangement, formal or informal, between a creditor and a seller, in connection with the sale of goods or services to consumers or the financing thereof.
( h ) Credit card issuer. A person who extends to cardholders the right to use a credit card in connection with purchases of goods or services.
( i ) Consumer credit contract. Any instrument which evidences or embodies a debt arising from a XXXX XXXX Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section.
( j ) Seller. A person who, in the ordinary course of business, sells or leases goods or services to consumers.
16 CFR 433.3 - Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/1977 from requirements of 433.2 ( a ).
CFR a ) Any seller who has taken or received an open end consumer credit contract before XX/XX/1977, shall be exempt from the requirements of 16 CFR part 433 with respect to such contract provided the contract does not cut off consumers ' claims and defenses.
( b ) Definitions. The following definitions apply to this exemption : ( 1 ) All pertinent definitions contained in 16 CFR 433.1.
( 2 ) Open end consumer credit contract : a consumer credit contract pursuant to which open end credit is extended.
( XXXX ) Open end credit : consumer credit extended on an account pursuant to a plan under which a creditor may permit an applicant to make purchases or make loans, from time to time, directly from the creditor or indirectly by use of a credit card, check, or other device, as the plan may provide. The term does not include negotiated advances under an open-end real estate mortgage or a letter of credit.
( 4 ) Contract which does not cut off consumers ' claims and defenses : A consumer credit contract which does not constitute or contain a negotiable instrument, or contain any waiver, limitation, term, or condition which has the effect of limiting a consumer 's right to assert against any holder of the contract all legally sufficient claims and defenses which the consumer could assert against the seller of goods or services purchased pursuant to the contract.
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| 11/01/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
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Web |
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Prosper responded with the following statemen : " Thank you for applying for a XXXX loan through Prosper. Prosper is providing this notification to you on behalf of XXXX. XXXX is unable to accept your loan request because Prosper Score is too high XXXX uses a credit scoring system that assigns a numerical value to the various items of information considered in evaluating a loan request. These numerical values are based upon the results of analyses of repayment histories of large numbers of consumers. The information you provided resulted in credit scores that were below the minimums needed to post this listing. The reasons you did not score well compared with other applicants are : Too many different phone numbers Delinquent past or present credit obligations with others Time since delinquency is too recent or unknown.
Time since most recent trade in derogatory status opened is too short '' I responded with the following email to Prosper and XXXX : " Dear XXXX and Prosper, I am writing in response to your letter dated XX/XX/2023, regarding my loan application. While I appreciate the information provided, I would like to express my concerns and request a reconsideration based on the following points : 1. Prosper Score Confusion : Your letter states that my loan request was declined because the " Prosper Score is too high. '' This statement appears contradictory as typically, a higher score indicates a better creditworthiness. Could you please clarify this point and how it relates to my application?
2. Right to Credit : As an original consumer, I want to emphasize that nowhere in the term " adverse action '' as defined within the FCRA does it specify that a natural person can be denied credit. I am aware of my rights and the voluntary nature of reporting to consumer reporting agencies. My credit has been used for the loan inquiry, but I've received no benefit from it.
3. Inquiry on Credit Report : The inquiry that has been made on my credit report signifies a transaction. If this transaction has resulted in someone getting paid or compensated, it has been without any benefit to me. The negative impact this might have on my credit, coupled with the denial of my application, is distressing both mentally and financially. I'd like to reference Unauthorized use 15 U.S. Code 1643 regarding potential misuse of my credit information.
4. Discrimination Concerns : I feel that the denial based on the reasons provided could potentially discriminate against me as an individual. I genuinely believe there are no federal laws specifying that a credit score can limit my right to extend credit. I'd like to point out potential concerns under 15 U.S.C 1691.
5. Reinvestigation Request : Given the seriousness with which I regard my financial health and my consumer report, I demand a reinvestigation into this matter. I implore XXXX and Prosper to abide by federal regulations and reconsider my application based on a holistic view of my financial situation and not solely on the grounds mentioned in the denial letter.
6. FCRA Rights : I am aware of my rights under the Fair Credit Reporting Act, including the right to obtain a copy of my credit report and dispute any inaccuracies. I will be following up with XXXX to ensure that all information is accurate and up-to-date.
In conclusion, I kindly request that my application be reconsidered with the points above taken into account. I value transparency and fairness in all my financial dealings and hope to find a resolution to this matter.
Thank you for your attention to this serious concern.
Sincerely, XXXX '' Prosper did not respond to my correspondence.
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| 10/18/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Be it known to all who call themselves " government, '' their " courts, '' agents, and other parties, that I, XXXX XXXX, am a consumer whose consumer rights are to be protected by the Fair Debt Collection Practices Act, Truth In Lending Act, Equal Credit Opportunity Act and Fair Credit Reporting Act. I certify under penalty of perjury that the foregoing is true and correct. This statement of truth to be presented will display blatant acts of consumer rights protection violations and fraud against myself being a consumer by Prosper Funding LLC located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ; which will continuously be referred to as " Prosper ''. On XX/XX/2021 I sent a cease and desist and alleged debt validation letter in regards to an unauthorized credit transaction listing on all of my credit reports that violates 15 usc 1692C ( b ), which was performed by Prosper to Prosper Funding LLC via certified mail. The cease and desist and alleged debt validation letter sent certified mail was acknowledged and received by Prosper on XXXX XXXX XXXX. After requesting debt validation within 14 days of receipt of the debt validation and cease and desist letter, prosper has not responded which is an admission of guilt and prosper also continues too collect on this alleged debt that was never validated by continuing to report to all credit reporting agencies which violates 15 usc 1692C ( b ). Prosper continues to communicate with me via email and phone despite the fact that they have been served with a cease and desist letter which violate 15 usc 1692c ( c ). Prosper has also been communicating with 3rd parties about my alleged debt without my consent which violates 15 usc 1692g and 15 usc 1681b. Prosper has accused me of late having payments on an open ended consumer credit transaction which violates 15 usc 1666b. They have sent me unauthorized and harassing communication that violates my privacy and consumer protection laws per 15 usc 1692, 15 usc 1681, 15 usc 1601 and have also created much hardship for me financially, mentally, emotionally, and professionally which violates 15 usc 1692d. This statement of facts clearly displays how Prosper knowing and willingly conducted an unauthorized consumer credit transaction and continue to do so illegally. Prosper has been blatantly stealing my money from my bank account and they continue to participate in illegally debt collection practices. While Prosper conducts unauthorized consumer credit transactions, my rights continue to be violate as a consumer. The below list of exhibits is proof that Prosper has been violating my consumer rights, disregarding federal laws, defaming my character, limiting my financial freedom, affecting my familys current and future means of living. This account needs to reflect a XXXX ( XXXX ) balance and be reported as Paid As Agreed to all consumer and credit reporting agencies because pursuant Public Law Chap 48 Stat. 112 of the federal governments obligation to me ( not XXXX ) gives me the right to open ended consumer credit transactions and this is due to the fact that there is an insufficient amount of lawful money in general circulation to meet the needs of the people, which includes me. Due to this the federal government gave me a remedy in which the federal government will pay my debts and alleged debts, dollar for dollar. Prosper needs to stop stealing, violating federal law, and harassing me. Prosper should also return all of the money they have stolen from my bank account upon receipt of this complaint.
|
| 07/13/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Taking out the loan or lease
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Web |
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I would like to dispute the loan I took out with Prosper. I have been disputing this loan with them since I noticed they took out a XXXX % origination fee when I received my loan in XX/XX/XXXX. I believe this loan was very misleading when I applied. I needed a loan in the amount of {$4200.00}. I was given Prosper 's information through a 3rd party and looked up the website. The website advertises how great they are with no hidden fees. I went through the process and was approved. Unfortunately, I did not realize they took out a 5 % origination fee because it was buried throughout the loan process. In reading reviews about Prosper, I have discovered there are other people who claim they were not aware of the processing fee as well.
If you go through the Prosper loan process, they do not mention anything about their fees until you been approved for the loan, which is near the end of the process and easily missed, which unfortunately I did.
I called Prosper on XXXX or XXXX/XXXX/16 when my husband noticed only {$3900.00} was deposited into our bank account on XXXX/XXXX/16, I asked about the origination fee and when I can pay the loan in full without any fees because I did not agree with the 5 % fee. The rep I spoke with gave me bad information and told me I can pay it back anytime without having to pay a fee. On XXXX/XXXX/16, I called multiple times and was even hung up on by someone claiming to be a manager. Prosper even admits they can see I called on XXXX or XXXX/XXXX/16 but say they do not have any notes on my call or what it was about. This seems to me that they do not take responsibility for their employees and they are not properly trained. I did finally speak to someone on XXXX/XXXX/16 who said they would investigate. On XXXX/XXXX/16, I was told they would not void the loan because they do not have record on my complaint until XXXX/XXXX/16. Even though, they acknowledge I have called before.
Also according to Prosper, the loan was deposited into our account on XXXX/XXXX/16 and as our records indicate, it was shown on our end on XXXX/XXXX/16. They claim we did not address the problem in time even though I called as soon as my husband noticed we were shorted money.
Every time I called Prosper to dispute the loan and return the money to them, they said they would not oblige because they claim the processing fees are explained as clear as day on their website but the very first thing you see on their website is NO HIDDEN FEES. I actually had to have someone from Prosper point it out to me where the origination fee was during one of my phone calls because I could not find it in my account myself. The bottom line is Prosper is claiming to be something they are not and I feel this loan was deceiving.
The process was very confusing where I was led to believe there was not any fees charged but then they disclose their fees deep within the process that was not easy to find or understand. I have documents showing the loan process. My husband even started the process himself but stopped in the middle because he did not want to actually get a loan. He receives constant emails from them telling him to get his easy loan since he never completed the process. However, there is not any mention of any processing fees that Prosper claims are clearly stated.
Please review the documents that I have provided and help me get this loan voided. Thank you for your time and consideration.
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| 07/08/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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Web |
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I applied for a loan on XX/XX/XXXX in the amount of {$10000.00} on Prosper 's website. I received an email shortly after saying " You've been approved for a {$10000.00} loan through Prosper. ". On that email is a link to " Accept Your Loan ''. Clicking on this link takes me to a page on Prosper 's website that asks to me to put in my social security number to verify my information. Click on this link gives me an error message that says an account has already been create with my information and gives me a link to sign in with that account, even though I never created an account with this website before.
Clicking this sign in link sends another email with a button that says " Sign in to Prosper '' which takes me to an account page on Prosper 's website that has information for a different loan in the amount of {$15000.00} and a message saying your account has been suspended. It has no information about the {$10000.00} loan I applied for.
On XX/XX/XXXX, I call Prosper 's customer service line. Their automated system asks for your phone number and last four of your social security number to identify your account. After entering my information on the keypad their automated system says there is more than one account with my information then asks for my birthdate. I enter my birthdate and the automated system says it can not identify my account.
When I finally speak to a representative, they tell me that the loan I applied for has been rejected, it is a proprietary software that makes the decision, and that I should have a message in my email.
I check my email, but there is no message in my inbox from Prosper except for the loan approved message. I go on their website again and there is a messages section that has a message about a {$15000.00} loan that was rejected because they could not " verify my identity ''. There is no mention of the {$10000.00} loan I applied for. I assume this must be a glitch, and because their phone system had mentioned that there is more than one account with my information, I must be looking at an account that is not mine.
So I call their customer service line again. I explain to the representative everything that happened previously and they are as confused as I am. They put me on hold and then another representative in the " verification department '' says that I can not apply for a loan for 90 days because my loan was rejected. I then ask why I just received an email that says " Reminder : Accept your loan today. '' and they state that I am looking at your account, and it says it is suspended. I then ask why it is suspended and they say they can't say for " legal reasons ''. I then ask why their phone service says I have more than one account, and they seem confused. After a pause, the representative then states they see that there are two accounts with my information, one that was created in XXXX and another that was created yesterday. The XXXX account is suspended, so I can not have another account or apply for a loan. I ask why do I have an account from XXXX, I have never had a loan with them before, and they state I probably checked their rates in XXXX, and an account was created ( without my knowledge ) to do that. And the account was suspended because I did not complete the loan application in XXXX. They state that they can't do anything about that, and there is no way I can apply for a loan from them.
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| 08/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- You never received your bill or did not know a payment was due
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Web |
Servicemember |
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I closed out my credit account with PROSPER credit card on XX/XX/2022 because it was being imporperly handled. I was told that a sttaement was suppose to be sent out so I can see what was left, but that was never received. I had already told them over the phone I had a new address if they was to send me a statement to show proof of what was the remaining balance. Months went by and nothing was received. I called numerous times complaining about this. All I reveiced was an email stating I need to make a payment. I called back in XXXX that I can't make a payment because they closed the entire account access down on the app. Nobody seem to listen at all, my complaints went to several supervisors about this issue. All I kept hearing was it needed to be sent to the some internal team. Nothing came from any this at all, I must have complained to upper management at least XXXX or more times. Nothing was consistant at all with their repsonses my issues was not being taking seriously. Nor was there any due diligence on their part. I was shoveld from one person to another who was to handle the sistuation. Back in XXXX I was told that a supervisor by the name of XXXX was to handle the account. She supposely filed, issues with this so called internal team. Everytime I called she said there is no repsonse back this went on for weeks. I asked for staements on the account and was told they dont provide statements which I find to be untrue. I told her this is very damaging to my credit reoprt because they provide me with empty answers on resolving my problem. I also put in a request that they removed themselves from my credit report if you can't provide and answer to helping my finish paying of the account which shows I'm over 120 days late. She stated they had not reeviced a repsonse back. This went on for nearly 2 months, with any follow ups from the person handling my case. I was told that all fees would be removed for there mishaps. None of that was done either I was just sent a statement showing what was owed back in XXXX that requested this XX/XX/XXXX when I got a list of statements up until now. Now must I remind you the statements still had the wrong address on each one of them. But also I was told they couldn't provide me one and they don't have a corporate office to where I could complain to a hire up. I went from owing {$410.00} to {$780.00} without any viable proof of what I owed in the beginning. I feel like this compnay is very dishonest and deciving and don't want to due their due diligence. Please help before I decide to get legal counsel action again this company. Here is their phone number XXXX. I would also like to to say the internal team did send a email which had wrong information on when the account was closed and then send out another email correcting the information. This has happen many times when I did have this account open. I at the point with all this frustration I shouldn't have to pay anything and the trademark of the credit company needs to be removed from credit report period. Please help me out with this issue. I do have reecived document emails that is attached showing how inconsistently they are with relaying information. I don't recommend anybody getting services from this company at all.
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| 03/15/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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Hello, I have been told by Prosper Card ( Prosper Marketplace Inc. ) that my account was paid off and that I had a XXXX balance three separate times ( which I have email proof of from a supervisor ). This is even after I closed the account on XXXX XXXX XXXX, yet they continue to charge fees internally, of late fees and interest ( " Merchant '' ), despite my last purchase being charged to the card XXXX of XXXX, well before my account was settled and closed, and making all of my payments on time. I have proof of all of these.
However, once I made a payment of {$830.00} on XX/XX/XXXX bringing my card to a XXXX balance ( it shows up in their system that the payment processed on XXXX XXXX ). An auto payment amount of {$31.00} also came out on the XXXX of XXXX. That was not taken out of my bank account until the XXXX of XXXX, the same day my payment of the full remaining balance on my card was processed by prosper. However, I made the payment before the due date. So now I'm out {$31.00}. I call prosper to get the payment reversed, but they inform me they can not do so. So I call my bank and get it disputed, and my bank refunds me. Then Prosper decides to put a late fee onto my account of {$29.00} for not receiving the auto payment, despite already receiving my full amount of {$830.00} -- the balance owed. Again, the full amount of my credit card balance was paid off in FULL at this point, but they not only assessed a late fee, but also tell me I STILL owe the {$31.00} auto payment amount ( that my bank refunded me because I didn't owe it ) DESPITE me paying off the full amount on my Prosper credit card prior to all of this happening.
Finally, a supervisor tells us we may settle the account, if we pay {$31.00} that day. Even though they still charged my over what I owed, and am owed for the late fee of {$29.00} and for the auto payment amount of {$31.00}. He sends us an email on XX/XX/XXXX to confirm that my account has been closed. We pay the amount and pray that it is settled. It isn't. They have now tacked on another late fee of {$29.00}. We call again, and after many hours of arguing on the phone, they finally decide to remove the {$29.00} late fee. The late fee is removed on XX/XX/XXXX. However, now another late fee is being accrued due to that previous late fee ( that was reversed ) and somehow now an additional balance of {$30.00} ( which came out of nowhere despite the account being closed ). So now I am over {$90.00} in the negative and being punished for paying off my credit card on time, in full.
I have no idea how the Prosper system messed this up, but as the customer, it is not my responsibility to understand their system. I paid my card off in full, and then another amount of {$31.00} came out which I got back with my bank. Then prosper charged it to my card again when I didn't even owe it in the first place. Between all of the theft and unprofessional business practices, I can not even begin to understand how this company is still in business. Any assistance in this matter would be appreciated.
Thank you for your time.
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| 10/06/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX
XXXX, Florida XXXX XX/XX/2022 COMPANY : PROSPER FUNDING LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Re : LOAN # : XXXX To whom it may concern, This is about the consumer credit transaction entered into with your company dated XX/XX/2022 and i extended your organization the credit for the LOAN # : XXXX.
I hereby give your company PROSPER FUNDING LLC notice pursuant to 15 USC 1602 ( k ) that your company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your company didnt even inform me about the cost of credit and the only evidence of indebtedness was a computer generated agreement. According to 15 USC 1602 ( k ) the term adequate notice means a printed notice to acardholderwhich sets forth the pertinent facts clearly and conspicuously so that apersonagainst whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to acardholderby printing the notice on anycredit card, or on each periodic statement of account, issued to thecardholder, or by any other means reasonably assuring the receipt thereof by thecardholder.
since adequate notice was not given as per the above mentioned section, i couldnt understand clearly its meaning which is a violation under 15 USC 1602 ( k ).
Further, Pursuant to 15 USC 1601 ( a ) a Consumer must be aware of the cost of the transaction. Since i was not aware of the cost of the transaction, I therefore made an uninformed decision and it resulted in multiple billing errors and unfair credit practices.
From your end, i have not benefited from this transaction which again, is a violation under 15 USC 1602 ( p ).
According to 15 USC 1602 ( p ) The term unauthorized use, means a use of acredit cardby apersonother than thecardholderwho does not have actual, implied, or apparent authority for such use and from which thecardholderreceives no benefit.
PROSPER FUNDING LLC has also charged a usurious interest rate of 28.83 % for this personal loan.
Article XXXX of California constitution states loans primarily for personal, family, or household purposes, at a rate not exceeding XXXX percent per XXXX FL STAT XXXX contracts for the payment of interest upon any loan, advance of money, line of credit, or forbearance to enforce the collection of any debt, or upon any obligation whatever, at a higher rate of interest than the equivalent of XXXX percent per annum simple interest are hereby declared usurious.
I hereby request you do the below mentioned things, XXXX. Report the account LOAN # : XXXX as paid in full to all consumer reporting agencies.
XXXX refund the finance charge associated with this consumer credit transaction.
If you accept my request i will not escalate this matter to Federal Court. In case you dont accept the above requests, a legal action shall be taken against your company for compensatory damages.
thank you for your attention to this matter.
sincerely, XXXX XXXX
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| 06/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Subject : Complaint Regarding Failure to Respond to Identity Theft Complaint Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to file a formal complaint against Prosper regarding their failure to respond to my identity theft complaint.
On XX/XX/XXXX, I submitted a complaint to Prosper, providing them with detailed information regarding the identity theft incident that occurred on XX/XX/XXXX. I followed the appropriate channels to report the incident, expecting a prompt and thorough response from Prosper to address the issue and assist in its resolution.
However, it has been 2 weeks since I submitted my complaint, and I have not received any response or acknowledgement from Prosper. This lack of communication is deeply concerning and leaves me feeling helpless and disregarded as a victim of identity theft.
I would like to bring the following details to your attention regarding my attempts to contact Prosper and their subsequent failure to respond : Date of identity theft complaint : XX/XX/XXXX Method of complaint submission : [ Email and Postal Mail ] Details of identity theft incident : [ I believe someone from my household is using my information ] I believe that Prosper 's failure to respond to my identity theft complaint not only violates their responsibility to address consumer complaints promptly but also demonstrates a lack of regard for the serious nature of identity theft and its impact on individuals ' lives. The lack of response has left me feeling helpless and uncertain about the steps I need to take to mitigate the damage caused by the identity theft incident.
As a concerned consumer seeking justice and resolution, I kindly request your intervention in this matter. I urge the Consumer Financial Protection Bureau to investigate Prosper 's failure to respond to my identity theft complaint promptly and take appropriate action to ensure that they fulfill their obligation to address and resolve consumer complaints related to identity theft.
Enclosed with this letter, you will find copies of all relevant documentation, including my original identity theft complaint, any supporting evidence, and subsequent attempts to contact Prosper for a response. I am also prepared to provide any additional information or documentation necessary to assist in the resolution process.
I sincerely appreciate your attention to this matter and your dedication to protecting consumer rights. I trust that the Consumer Financial Protection Bureau will take swift action to address this issue and hold Prosper accountable for their failure to respond to my identity theft complaint.
Thank you for your assistance in resolving this matter. Should you require any further information or need to reach me, please do not hesitate to contact me at the provided email address or phone number.
Yours sincerely, XXXX XXXX
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| 02/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have reached out to Prosper clearly identifying their violations of my consumer rights in the letter I sent and demanding the deletion of this loan on my consumer report. Prosper has sent a letter back disregarding my letter in completion and all that I stated saying that they will not be conducting an investigation even though I have supplied them with all the Fair Credit report laws that the company was in violation of.
The reporting of this account is in violation of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) 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 15 USC 1602 ( g ), 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.
more specifically the GrammLeachBliley Act 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) 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 6803 of this title.
( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) 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 6804 of this title, that such information XXXX be disclosed to such third party ; ( B ) 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 ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
PROSPER did not disclose this information to me that is required by federal law.
PROSPER knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unaffiliated third parties.
PROSPER knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option.
Please see attached the letter sent to Prosper addressing this violation and their letter back to me.
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| 12/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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According to the fair credit reporting act 15 USC 1681 section 602 a state there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. XXXX, XXXX, and XXXX XXXX are consumer reporting agencies, and I am the consumer. I have the right to make sure my private information isnt shared which is backed by 15 US C6801 which states it is the policy of the Congress, that each financial institution has an affirmation and continuing obligation to respect pride, the privacy of its customers, and the answer to protect the security, a confidentiality of those consumers nonpublic personal information. Prosper Funding LLC is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer under the following circumstances and no other : in accordance with written instructions of the consumer to whom it relates. Prosper Funding LLC, the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish the information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX, Prosper Funding LLC whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose no public personal information to a non affiliated third party unless-the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Prosper Funding LLC. Never informed me of my right to exercise my nondisclosure option. Not only that 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 seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states 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.15 U.S. Code 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 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
|
| 06/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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|
Web |
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In XXXX XXXX I hired XXXX XXXX XXXX XXXX XXXX GA to represent 3 private loans I had that I had money stolen from me and needed to pay back the loans, but was unable to pay back in full totaling {$160000.00}. XXXX XXXX was to represent me and settle the 3 loans at a lower price and then I would pay them each month and they would send the money to the loan companies for me. They settled with the 3 companies, I signed a contract with them for each settlement and payments began. XXXX of XXXX the final settlement was done with Prosper loans for a particular amount and Prosper was paid. XXXXXXXX XXXX XXXX XXXX autodrafted me twice without my approval and knowledge. They illegally took more money out of my bank account than what I signed on my contract for. I chose to come off of auto draft and pay XXXX XXXX directly each month as XXXX processes the payments for XXXX. XXXX took their fee and sent the rest to XXXX. XX/XX/XXXX I received a letter in the mail from XXXX XXXX XXXX stating that my loan for Prosper was sold to XXXX XXXX from XXXX XXXXl and was sold back at the full amount owed of {$11000.00} which is not the amount that I owe for this debt.
To date I have not heard from XXXX XXXX, I had no knowledge of this debt being sold and I have been paying XXXX XXXX each month for my loan which XXXX was aware of as I informed them via email and my customer portal that I was paying XXXX and they would send the money to XXXX as a result of XXXX illegally taking two auto drafts back in XX/XX/XXXX from my bank account.
To date the amount owed on the Prosper loan is {$7600.00} not {$11000.00} and the loan was sold off back at the original amount.
This is illegal. XXXX group has performed several illegal actions, selling the loan without my knowledge, not informing me of anything, selling it back at the original amount when they paid Prosper {$7600.00} as settlement agreement that I signed a contract for.
I have tried to get into my XXXX XXXX group account today and they have illegally locked me out and did into inform me that my account is no longer active.
This loan legally should be dismissed as a result of all the illegal collection practices that XXXX XXXX has performed.
I have been in contact with XXXX XXXX XXXX and they to have stated they had no knowledge of any of this other than that XXXX was given a debt and they work for XXXX XXXX. They have had me send them all the proof of the correct debt amount that XXXX contacted with Prosper to prove that the {$11000.00} is incorrect Attached are several documents regarding this situation. I can provide proof of payments as well that I have been making since XXXX XXXX XXXX to XXXX XXXX and XXXXXXXX XXXX XXXX
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| 10/03/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
Older American |
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I received a denial of credit letter from an Application that I did not submit.
I received from Prosper, a letter denying my application for a loan. The letter indicated that Prosper had reached out to me in prior correspondence to offer a smaller loan. No prior communications had been received by me.
I requested a copy of the Application Prosper had for me. The employees assured me Prosper could not provide a printed copy or electronic copy. Employees offered to read the application information to me over the telephone. At this point I asked, what if I am the hacker, you are going to read the information to me sight unseen? XXXX, the person on the Customer Advocate Team, in the absence of a manager that I had requested, proceeded to read my street address to me, then I stopped him. During the conversation I became aware that they were using a name I have not often used in the last 20 years, know my address, email, and year of birth. I told them that it was unacceptable for me not to be able to SEE the information that they had on me, without my consent.
I admit around the time Prosper alleges an Application was made, I was looking at rates for personal loans, but I did not submit and application to Prosper. Without my making an actual application and consenting to providing Prosper information Prosper should have no information on me.
I asked what government agencies regulated Prosper, and initially was told none ( under which they operated I think was my initial question ) That answer was later justified by " We Are Not A Government Agency ''. I then asked which agencies performed oversight and provided regulations that Prosper had to comply with. XXXX who was supposed to be a supervisor, said he did not know.
XXXX did tell me that Prosper is Prosper Market Place LLC dba Prosper Funding LLC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX said Prosper is a pier to pier lending organization with no federal control, but XXXX confirmed that Prosper answers to CFPB. Therefore I am writing to you to find out how I SEE ( i.e. obtain an actual replica [ PDF of hardcopy ] of the information from their database ) 1. what information was submitted to them that gave rise to the denial of credit email I received 2. who sent it to them 3. who Prosper sent counter offers to 4. under what authority that initial information was provided AND Answer the Question of HOW DO I GET ME OUT OF Prosper 's DATABASE COMPLETELY.
IT IS NOT ACCEPTABLE THAT PROSPER HAVE ( OR HAVE HAD ) INFORMATION THAT PROSPER IS WILLING TO SHARE BY TELEPHONE ABOUT ME AND CAN NOT PROVIDE ME A REPLICA SO I CAN SEE IT MYSELF TO BE FULLY APPRISED OF THE INFORMATION IN THEIR HANDS.
|
| 10/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Servicemember |
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At the end of XXXX and XXXX I attempted to make my payment to Prosper Marketplace. I looked in their website to see if the payment posted and it looked like it had but then it never came out of my account and showed failed payment on their site the next day. I called them and they said it came back as non transactional. I said that it was a basic checking account and we went over account and touting numbers and they had the numbers completely wrong. We tried it again and again the same thing happened. I called them back and this person was very rude and condescending and said to me well you obviously dont have money in your account. I stressed to him that indeed I did and we proceeded to use a different account also with money in it. He said that one worked so I thought we were done. The next day I checked and again it stated that the payment had failed. I called prosper once again and this time I spoke with a girl named XXXX who was very nice. I explained what had been happening and she was surprised the payment would not come out. She and I went over the account numbers again. She said the most recent added account came back as a non able to find account, and the other non transactional. This was the beginning of XXXX. I stressed to her how I would do what it took to make the payment on time because I was trying to refinance my home and could not afford a late payment. I told her I would call my bank and ask why it kept coming back as non transactional. I spoke with the bank and they sent me an email verifying that my checking account was not non transactional and only a savings account would show up like that. I sent that email to prosper. I finally added one more account and transferred money to it and that one finally worked on XX/XX/XXXX, one day past 30 days. They reported my account as delinquent and my credit score dropped over 100 points and I was no longer able to refinance my home. I called Prosper and they said sorry but our team decides that. I said cant you see all the notes beginning in XXXX? He said yes and that he would send a note to the dispute team. The next day my dispute came back as verified. I then tried to dispute it again with XXXX and they said I couldnt because I had already disputed it. So, I am so angry at these people because I did everything in my power to make this payment and it was an obvious error on their part. I have not had any late payments in over 2 years and my XXXX XXXX went from XXXX in XXXX to XXXX. I am so devastated right now I dont even know how to recover from this. I cant even refinance my car so I can pay off all my bills and mostly Prosper. They said my score was way too low now.
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| 04/28/2017 |
Yes |
- Debt collection
- Credit card debt
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- Threatened to contact someone or share information improperly
- Contacted your employer
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Web |
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In XXXX XXXX , I was contacted by XXXX XXXX XXXX of XXXX XXXX , CO through their XXXX , AZ office indicating that they were representing XXXX XXXX XXXX regarding a loan that I had with Prosper Funding, LLC that was purchased by XXXX XXXX XXXX . XXXX XXXX XXXX proceeded to violate multiple sections of the FDCPA and Colorado FDCPA as well as numerous Illinois consumer protection laws regarding debt collectors. Specifically, XXXX XXXX XXXX called my employer 20 times in one da y and when I did not timely return a message that was left, the collector called every member of the executive management team at my place of employment and left messages on each persons voice mail to contact XXXX XXXX XXXX regarding a matter concerning me. A message was also left on the HR Mgr. voice mail to call regarding an issue with my payroll. I was threatened with wage garnishment and the debt was disclosed twice to my Mother who is not a responsible party to the loan. After numerous emails asking the agency to stop calling me at work and being ignored, I finally submitted a cease and desist request to the owner of the company and threatened to sue them for the FDCPA violations. The matter was referred to the corporate attorney XXXX XXXX XXXX who subsequently offered me a cash settlement of {$1000.00}. I rejected the settlement offer and requested that the issue of the debt be resolved. XXXX XXXX informed me that XXXX XXXX XXXX nor he is no longer handling the account and that it has been referred back to XXXX XXXX XXXX XXXX ho now owns the account and that legally he nor XXXX XXXX XXXX can discuss the account with me. I have sent XXXX unanswered emails to XXXX XXXX XXXX in an attempt to find out who is handling the matter in an attempt to address not only XXXX XXXX XXXX and their abusive collection tactics on behalf of Velocity but the debt and its disposition. No one will respond to me. I contacted XXXX XXXX XXXX by phone who identifies himself as the Compliance Officer at XXXX XXXX , XXXX and he claims that he needs to confirm from XXXX XXXX XXXX that they are no longer handling the matter before he can discuss it with me. I gave XXXX XXXX , XXXX more than 10 days to confirm that and contact me and they have not done so. If XXXX XXXX XXXX refuses to address the issue of the debt with me and the abusive and illegal collection tactics of their collection agency with me, I believe that the CFPB should intervene on my behalf and also take discipline actions and monetary sanctions against XXXX and XXXX XXXX XXXX .
|
| 03/27/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
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Web |
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I am a victim of identity theft happened XX/XX/XXXX. My wallet was lost and inside were my ID, social security card and birth certificate among others.
This company Prosper Marketplace, based in XXXX CA, allowed someone to take out a fraudulent loan in my name for {$30000.00} in XX/XX/XXXX. I spoke to my local police to file a report, but they told me since I could n't prove it happened in their jurisdiction, no report could be file.
They instructed me to contact the credit bureaus and they could help. So I did and told them this was a fraudulent account, they did n't remove the account. I have disputed this account many times, but it never is removed.
So XX/XX/XXXX I contacted Prosper Marketplace directly by 1st class mail. I 'm sure they will say, they never received the letter. I told them this was a fraudulent account ; and I requested copies of the loan contract/agreement, so I can compare the signatures. As, I know it would n't be mine, because I have never got a loan from Prosper Marketplace, I had never heard of them. They never replied to the letter or sent me the requested documents. So I disputed the fraudulent account again, and yet it was n't removed from my credit reports.
So XX/XX/XXXX, I wrote Prosper Marketplace again and again asked them for copies of the loan agreement/contract, so I can compare the signatures. Of course they will say they did n't receive that letter either. No reply from them and no copies of loan agreement/contract sent.
I had did a free 15 minute consultation with a lawyer. He told me once i receive copies of the loan agreement/contract with the signature, to go to a notary and do a notarized affidavit of forgery, and send it back to Prosper Marketplace, with the loan agreement/contract, and this would be proof that I did n't take out the loan, or sign the loan agreement/contract, and Prosper Marketplace would remove the account from my credit report in 30 days as per the FCRA.
Today is XX/XX/XXXX and I have still have not received copies of the loan contract/agreement. The reason ... it does n't exist, as I never signed any loan contract/agreement with Prosper Marketplace, never applied for or received a loan from Prosper Market Place, a fraudulent account How can a company be allowed to place a fraudulent account on a consumer 's credit report without a loan contract or agreement bearing that consumer 's signature?
Prosper Market Place is violating my Consumer Rights, as well as the FCRA. I am asking for your help, to make Prosper Market Place remove this fraudulent account from my credit report. Prosper Market Place, Acct # XXXX ....
|
| 03/20/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
Prosper upon new loan opening [ at the time my loan originated ] required consumers to enroll in automatic payments. These payments were only be processed when the minimum payment to the account has not been met.
Although enrolled, I follow a fortnightly payment schedule [ set months in advance ] that covers the minimum payment and then some. My due date is on the XXXX.
In XXXX, I had payments scheduled for {$120.00} each on XXXX & XXXX, which covered the minimum payment of {$230.00}. These payments processed without issue.
In XXXX, I had payments scheduled for {$120.00} each on XXXX and XXXX, which covered the minimum payment of {$230.00}. The XXXX payment processed with no issues, leaving a minimum payment due on the account in the ballpark of {$110.00}. On the XXXX, despite being aware of a payment being scheduled for {$120.00}, Prosper 's payment system proceeded to process both the previously scheduled {$120.00} payment and arbitrarily processed an additional full month 's payment of {$230.00}.
Prosper 's payment system logic is not UDAAP compliant and exhibits systemic abusive behavior against consumers in the following respects : 1 ) the system is designed with no inherent consideration to a consumer 's already scheduled payment plan 2 ) the automatic payment system is advertised as meeting minimum monthly payments, however it deliberately ignores other payments made during the billing period ( see example below ) 3 ) the automatic payment system does not have consistent practices ( i.e. in XXXX back to back months XXXX and XXXX I had {$120.00} payments scheduled on XXXX, XXXX, XXXX, and XXXX ; enough to satisfy the required payments for each billing period. There was no issue with an extra payment being processed in XXXX, whereas in XXXX Prosper decided to change their practices.
4 ) Prosper 's loan origination process [ at least at the time of this loan ] pretty much forced enrollment into automatic payments [ you can see in my payment history I've managed my payments independently since account inception and this incident is the first time automatic payment has been utilized since the beginning.
5 ) It is not readily apparent on Prosper 's website that the automatic payment are optional and consumer 's can un-enroll. On the phone the rep I spoke to ( XXXX phone call ) advised he could remove enrollment.
Example for # XXXX Given a billing period from XXXX through XXXX and a theoretical minimum payment of {$200.00}. If a payment is made on XXXX for {$150.00}, the minimum payment to meet that billing period 's payment would be {$50.00}, not the full {$200.00}.
|
| 06/22/2020 |
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
- Problem with personal statement of dispute
|
|
Web |
|
|
( XX/XX/2020 ) My loans was cancelled and account suspended for 90 days because : " Your loan request has been cancelled for the following reason ( s ) : Unable to verify identity, employment, credit history, income or other information on the application. '' ( email from Prosper ) I applied for a loan on XX/XX/2020 on the Proper Website. In their loan documentation, they stated they would call if further information or clarification was required. They did not contact me before suspending / cancelling the loan. I called this morning ( XX/XX/2020 ) to find out what was missing or going on. ( XXXX XXXX ) The recording I heard about my account, before talking to someone, said the loan was incomplete. I talked to agent # 1, who could really do nothing or tell me what was missing, I asked for a manager but that department was closed for another 15 min. This person also told me that my credit report from " XXXX '' may not have matched what I wrote in the application but when I checked everything matches, maybe how I named my employer is different than the report. That in my mind could have been solved in a 30 second phone call. This agent # 1 put me on hold to then disconnect my call ( XXXX ).
Called back the same number and had to explain the entire situation again to agent # 2, who couldn't do anything and passed me off to the " Prosper Advocate '' group, which was now open. Talked to agent # 3 and once again could not tell me anything on why, what information was needed or what happened. Instead the answer was : " we can have a different department email you '', but no one from this department takes phone calls. I even asked for someone else that could help on the phone to get this solved quickly, but the answer was that there is no one else that I could be transferred to.
So now I can't do anything for 90 days to correct the whatever information didn't match, or to even find out what is actually wrong. Their contract said that they would contact me if any issue was encountered during the verification process, but I received no phone calls nor emails.
My credit score is going to take a hit because of the hard inquiry, and I have worked hard to recover the score after a bad divorce where I was stuck with all of the marital debt. I have no one to contact because I have to wait for THEM to email to me, if they even bother.
The time frame from the submittal of the loan request and suspension was less than 24 hours with no information, requests or phone calls. At no point does it say I was denied or the loan was cancelled for reasons of credit or credit history.
|
| 08/02/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
On XX/XX/XXXX {$4700.00} was direct deposited into my checking account. And I have no idea why their payment schedule begins in XX/XX/XXXX. There 's nothing from XX/XX/XXXX when the loan was taken out until the first Payment schedule posted a year later on XX/XX/XXXX. When I go into my online account and try to download my statements it says there are no statements available and that I need to download XXXX XXXX and install it to be able to see the statements. I downloaded it and opened it and a program called XXXX XXXX installed on my hard drive and I can not uninstall it no matter how much I try. The only information given about my loan is when I click the icon that shows a percentage of how much of my loan is paid of the {$5000.00} loan that was taken out on XX/XX/XXXX until XX/XX/XXXX when the installment loan ends. I went over my bank statements and I shows that at one time I paid my loan twice in one month. So all 36 installment payments are up to date and paid in full with my last payment in XX/XX/XXXX of the amount of XXXX and then again on XX/XX/XXXX of XXXX. I ask why was this amount different from my usual XXXX and she said it was interest on late fees. WHAT!!! I just made two payments which the one on XX/XX/XXXXwas not suppose to be withdrawn from my checking account because I had already prescheduled for the last 3 month payments on the last Wednesday of the month. I ask in XX/XX/XXXX to have my payments scheduled to come out on the last Wednesday of the month because it was better and easier to make them at the end of the month instead of the middle.. So my payments were supposed to be scheduled to come out that way but it became a nuisance and got all mixed up because when I talked to customer service they would tell me OK your payment will come out on a certain day and we will note it down for you. But they continued almost every month calling me and saying my payments were late or they would like they did this last payment made in XX/XX/XXXX take it out twice. Once for the middle of a month and then again at the end of the month. So when they tried to get another payment for XX/XX/XXXX which I told them I didnt owe I had to stop payment on them because they did not have my permission to withdrawn money from my checkings account. I tried to remove my bank information that they had on file and they wouldnt let me remove it. So as far as Im concerned they had no right to get in my checking account. So as of XX/XX/XXXX my balance past due is XXXX with interest, plus non-sufficent funds and late fees. In which I have proof that I do not owe.
|
| 02/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
I was solicited by a credit card company called " Prosper '' with a pre-approval for credit - I accepted the approval after calling to discuss the details in which I was advised that the company would waive their one-time annual fee of {$39.00}, which was fairly low to begin with but not justified as I have much higher credit limits with no fee and advised " Prosper '' at the time I would not be interested otherwise. I received the card and called in as a fee was noted, I did not activate the card at that time as the company said they were wrong and could not or would not waive this fee- I therefore advised I would not be activating and to close the account. The company 's customer service after several calls agreed to cancel and refund the fee - however I received a bill in XX/XX/XXXX with the fee. I called back and spoke to their customer service again and was advised it was likely send in error as they were addressing it. Today : XX/XX/XXXX at around noon EST I received an agressive collection call toward this {$500.00} ( and I point that out as it's a bit pathetic they were agressive when the initial limit was only {$500.00} ) credit limit stating I owed approximately {$60.00} to include the annual fee and now a late fee and they demanded to know why I was late - to which I went into the above statement. This nearly cost me my job because they would not work with me nor would the company allow me to escalate, nor would they cancel the account and bill me where I could dispute it, nor would they even provide help with the account details so I could call back to dispute nor would they even provide me an address to have an attorney send them formal communication. This has been a very surreptious and scandelous company and all I have been seeking to do is close down this account as I did not activate the credit card, did not use it as I mentioned it was never activated, and as I destroyed the credit card the moment I cancelled back in XXXX, I did not have the credit card information to work with and the company made it very difficult for me as they claimed my SSN/DOB etc. was not sufficient. I did eventually get the credit card number and was able to provide that but the company after aggressively demanding I pay the full total before they would so much as cancel the card or account, I am now filing this complaint as I will likely be at risk of fraud with an account open that I have been denied access to and access to cancel.
|
| 01/11/2023 |
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
|
|
Web |
|
|
My Prosper XXXX XXXX account should have a XXXX balance and never have been reported late. On XX/XX/2022 I made an online purchase from ( XXXX XXXX in the amount of {$390.00} for access to their XXXX XXXX XXXX. The system did not work as advertised or at all for that matter. The merchants website offered a XXXX day money back guarantee. So, I emailed the merchant for my money back since the system I paid for obviously didn't work. After XXXX emails the merchant finally responded and admitted that the system did not work. Supposedly, they were having technical difficulties. However, the merchant never addressed my refund nor did the merchant issue me a refund ( please see attached email ( XXXX XXXX XXXXXXXX ). I immediately call Prosper Master card to inform them that I needed to charge back on an item that I did not receive, that was purchased on the account ending in XXXX. The dispute was filed, Prosper closed the account ending in XXXX, and stated they were sending me a new credit card. 30 days later the credit card issuer sent a letter via XXXX stating that they had ruled in my favor and that the {$390.00} charge has been removed. To my surprise I get my XXXX statement on a totally new Prosper Credit Card ending in XXXX and there is a change of {$390.00}, a credit for {$390.00} on XX/XX/2022 ( remember this is my XXXX statement ), and another charge as of XX/XX/2022 from the merchant that is in dispute. This should not have even been possible, because at this point neither me nor the merchant had the new credit card number that Prosper XXXX card had issued me. The XXXX was still in the mail via usps and I had not physically obtained the new card yet. I again called Prosper XXXX multiple times to fix this and spoke with several customer service agents who all said they would fix the problem. No one ever did. I also sent an email, which they confirmed they received. Please see attached ( Prosper XXXX XXXX ). I spoke to a customer service supervisor in XXXX by the name of XXXX XXXX # XXXX, she assured me it would be rectified and it wasn't. I then started receiving collections calls. In XXXX I received a collections call from XXXX XXXX # XXXX she admitted that she could see that Prosper XXXX messed up. She stated she would have her supervisor correct it and that she apologized. It was never corrected and now the account has charged off and it is ruining my credit.
|
| 11/30/2020 |
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
|
|
Web |
|
|
Creditor - Prosper Personal Loans Cares Act Reporting - 30 days late reported XX/XX/XXXX Action - My loan account was placed on Cease and Desist, I did not ask them not to contact me or authorize this order.
I currently have an installment loan with Prosper. As of XX/XX/XXXX I lost my second full time job because of lack of work due to the COVID 19 pandemic. The circumstances caused an overwhelming elevation of stress of covering two mortgages, utilities and other misc bills that had to be paid.
In the past I had received reminders via email and phone calls ( on my cell XXXX ) from Prosper for upcoming payments. I grew more concerned because I realized I missed the due date. I confirmed my contact information with them during this particular call. The phone number they had on file for me was XXXX, I had this number 14 years prior. I asked why hadn't they called the number listed on my application or e-mail address?
'Upon speaking with a Prosper representative and they said my account was on a Cease & Desist order. I explained I did not give them notice to cease or desist. They chose update my account status due to a rude representative I spoke with in XX/XX/XXXX or XX/XX/XXXX, unbeknownst to me. I did not ask for a Cease and Desist order.
I asked them to remove that order and it is alright for them to contact me in the future. I also asked if there is anyway I can have the 30 day mark removed and I explained the circumstances that led to this occurrence. I then disputed with Prosper internally and gave my employer number to verify job loss and date. The employer used my vacation hours to exhaust the remaining PTO.
I have since then cured the past due balance as they have been unwilling to help me this one time. I also hired a third party agency to intervene. I feel bad because I had never been 30 days late and this truly hurt me. As a consumer I due depend on the reminders and I understand I should have been more responsible. I was severely impacted and events leading up to the 44 % income loss made things almost unbearable.
Prosper did not volunteer any forbearance opportunities, I had to ask if I could skip a payment and other options etc. They were not helpful during the initial Cares Act non-reporting period beginning on XXXX. And to date I believe my account status remains as DO NOT CALL.
|
| 02/27/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I applied for a loan through Prosper after being pre approved via XXXX XXXX. I began the application, but decided to hold off. They sent me numerous emails asking me to finish the application.
I received one email per day starting on XX/XX/XXXX. On XX/XX/XXXX I decided to take the offer. They required one piece of documentation after the application and funds were approved ; proof of income.
However, their process of acquiring that proof appears to be either arbitrary, or nefarious. The only option given is to submit a pay stub. My employer, however, does not provide me with that. He just writes me a check. I am a XXXX XXXX. So, I submitted the most recent check I had.
I received a phone call today, XX/XX/XXXX, stating that they needed a pay stub, not a check. I asked what information they would need since my employer does not provide a pay stub. I found it irrelevant how the information was given, provided that they had the information. However, the woman made it clear she was not going to give anything anyway and that I had to submit a pay stub and they would not accept anything else.
So, I submitted a pay stub with the following information : Employer name, address, tax ID #, and phone number ; my social security number, address, phone number ; the check number and paid date ; federal, state, local, social security and XXXX withholdings ; gross and net pay.
She denied the document citing " the information was inappropriate, '' and not clarifying beyond that. I called back and talked to another individual. When I pressed on why they are so coy about what information they require of me to prove I have an income she said, " if we tell you what information we need, then you'll just give us that, '' as if that is nefarious and an individual has to guess what they're looking for or lose out on the loan.
If they need information to prove my income, then they need to let me know what that information is beyond a " pay stub, '' since I provided that and they deemed it " inappropriate. '' The agent appears to want the information in some arbitrary format that nobody at Prosper is willing to disclose. The institution needs to simply review and verify what I have given them to see that I do, in fact, have an income. Their unwillingness to do so, I believe, is discriminatory and intentionally deceptive.
|
| 10/21/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
|
|
Web |
|
|
I applied online for a personal loan for individuals with low credit scoresXXXX XX/XX/XXXX I received a call ( from phone number XXXX ) supposedly a loan company name " Prosper Loan XXXX. '' The man ( XXXX XXXX ) on the phone stated I was approved {$5000.00}. Mind you he had a thick XXXX accent, even with his name. He verified my personal information, so I'll take it that he retrieved my information through my personal loan application. He requested my checking account information too deposit the funds, after I acknowledged the contract information he sent to me via email. He also requested my debit card number to deposit funds into my account, which I was going to return back. This was just to validate my account, and to make sure my name is on the account, and that I am who I stated I am.
He notified me that {$1100.00} into my checking account. When I checked my account, the funds was indeed in my account. He gave instructions to withdraw the funds and to buy 3 money card from XXXX and give him the card numbers, which I did. Only to wake up on XX/XX/XXXX to see all these reversed transactions in my chase checking account for the total amount of the funds XXXX XXXX claimed was money from his loan company. I called XXXX XXXX the next day to request my funds back, and that the {$5000.00} loan is not in my account. XXXX XXXX went on to say that the state counselor is requesting taxes because his loan company is in XXXX, and I live in XXXX I told him that XXXX don't have state taxes. He stated that is the law for obtain the loan. He again stated he is going to deposit the tax money, and I need to return it to him via cash app or XXXX money card. He did the same thing by accessing my checking account and reversing paid transactions totaling {$1900.00} from months ago. Payments made to my XXXX XXXXXXXX refused to send him the funds, which made him really upset once he realized that I was on to his scam. I have all the documentation and communication between this company and I. I also has a voicemail from " supposedly his boss who called and threatened me once XXXX XXXX informed him that I am not sending the money back, which they reversed my charges in my account.
The emailed he used is XXXX. XXXX XXXX is another person who called from the company. XXXX who called and threaten me to blacklist my passport
|
| 11/30/2020 |
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
|
|
Web |
|
|
Well, the process has been tremendously overwhelming to me as well as my daughter. This has been a 19-year process that has been devastated to me in resolving these issues with my identity as well as my daughter. It started when I worked for International Paper Mill when my daughter 's SSN number became my SSN number after being laid off for a week in the year of XXXX. Her SSN number became mine in the credit bureaus, which has been an ongoing problem with credit, taxes, and other related matters to my credit and taxes through all banks and credit reporting agencies. I have filed so many complaints with CFPB as you all probably can see. In the year of XXXX, there was a pre-approved letter stating to apply for a loan through Prosper MarketPlace, after making a call to the company about that it would not take my SSN the representative input the SSN because it would not take my SSN. After making payments for several months I got suspicious about the activity of the account because of the way it was set up on their end, so I thought I would apply because of the nature of the suspicious activity of the account that when I found out in the year of XXXX that I did not have an account in XX/XX/XXXX with Prosper MarketPlace.That when the fight began it was put on my credit report knowing it was not my SSN that Prosper had used to create this account.I filed a complaint against Prosper in the year XXXX through CFPB, as you can see there is no signature on documents from Prosper, which this picture was taken on XX/XX/XXXX, which the loan was generated in XX/XX/XXXX. Each credit report has denied that the information was not put on my credit report which it was put on my credit report knowingly that it was not my account as reported by Prosper Marketplace.I will be downloading documents from each credit bureau that it was put on my credit report.I even filed a complaint with the Arkansas Consumer Protection Bureau as well but never got an answer from the Arkansas Financial Protection Bureau in the year of XXXX it was filed through the Attorney General Office in that year of XXXX. If you would look at the two that are filed with you all on XX/XX/XXXX, you could see what was filed in this matter, with no response from the Arkansas Consumer Protection Bureau. On this day of XX/XX/XXXX XX/XX/XXXX
|
| 09/06/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances.
XXXX XXXX
|
| 04/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a victim of Identity Theft and was a victim of having my personal information used to take out fraudulent credit cards, create fraudulent bank accounts and charges were made on some of my existing credit accounts. One of which is a loan with Prosper. I have fulfilled all the obligations of an Identity Theft Affadavit and to have these transactions erased through FCRA 605B. So I am requesting that the loan be deleted so I can have an accurate credit report. I submitted the required information to XXXX, who sent me a letter stating that they were not going to honor the Identity Theft affadavit, but didn't list a reason why. This is a DIRECT violation of Federal Law. So I explained to a representative at XXXX and Prosper that all they could do was DISPUTE the account. But treating it as a dispute is ridiculous, as I have not asserted an inaccuracy in the reporting by the furnisher, who is relying upon their information without means to independently determine whether it is fraudulent. That is why the identity theft blockage provision of section 605B exists .... to bypass the need to consider proofs. I have no proof to offer to support a dispute, and thus your assertion in the form of a police report is being used to obtain blockage/removal of the charges, not contest the accuracy of its reporting. The dispute process is not a legal fact-finding process, and has no party authorized to review conflicting views of facts and make a binding determination. This is why I filed the ID theft affadavit in the first place. A furnisher does not have to provide proof in order to verify. They must conduct a '' reasonable investigation '', and based on the results of that investigation, state that they have adequate basis for determining that their reporting is accurate. If documents in their possession assert to have been authorization from the consumer, they have no way to determine otherwise, and thus can verify on that basis. That is the reason Congress enacted the identity theft provisions of the FCRA, which permits blocking of such information from a consumer 's credit report without the need to prove a negative. Prosper is also still reporting the account, even though I sent them everything legally required to have this blocked.
|
| 09/16/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
Logged in to make a payment on their website on Sunday XX/XX/XXXX. There was a message there that I had a past due amount of ~ {$460.00} and total amount due of ~ {$940.00} ( including upcoming payments ). I selected the button to " Make a Payment '' and with NO further confirmation or ability to put in the amount I was going to pay it gave me a screen that said " Thank for making your payment of {$940.00}! '' There was NO ... please enter the amount you wish to pay.
NO ... here is the payment we are about to process from your bank.
NO ability after I made that to cancel it ... even though it was a Sunday afternoon.
I immediately sent an email even though they are closed.
I phoned on Monday morning after checking my bank and seeing that the $ $ had not been attempted to be taken out yet. The Prospoer rep told me " There is nothing we can do from here. Maybe you want to stop payment at your bank? '' For one, banks dont ' easily stop ELECTRONIC DEBIT payments from what I understand ... though I've not tried. Regardless, if they did do that, we KNOW the bank is going to charge a fee and Prosper will charge a fee. Even if the payment was honored I DID NOT want to pay that amount with this payment as it will have other ramifications. Prosper offered to " refund '' my payment by speaking to a refund specialist and then, inexplicably, telling me I'd need to have my bank on the line. For what? We are putting money IN if we do that. You had zero problem taking it out without the bank.
Anyway, the fact that they sneakily decided my payment amount and provided zero confirmation is the basis of my complaint. I'm sure they will say " no, no, here is where someone would put in the amount on the 1st screen. '' If so, it definitely is misleading how it's presented and it can not be ok that there was no confirmation screen before this went through and no way to cancel within seconds of processing it ... which again it hasn't processed. They give you the " blah, blah '' that it might take 2-3 days for bank to remove funds ... which means you are doing it as an ACH vs credit/debit card pin transaction which means I believe they should have been able to stop it by my calling the start of the next business day.
|
| 04/20/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I got a loan from a company called prosper. I got approved on line for the amount of { {$20000.00} } they charged me a { {$1000.00} } fee for the application fee transfer of the cash when they sent the money Directly into my checking account.
I was already stuck with the fee but I had the loan and was ready to go, but then they made me set up my first payment back to them before moving forward. This is when I realized that their statements I was told and presented to online, in very colorful low numbers Get Low Rates Pay at your Own Pace Save Money with no Hidden Fees the Highest Risk Rating said it was only 11.68 % was all a smoke screen, after it was too late.
I now had already paid a { {$1000.00} } Hidden feel, I now have to make monthly payments of { {$570.00} } for the next 60 months ( But I thought I got to pay at my own pace? ) and then the worst things happens and they hide this really well in your account, I notice they are charging me over 26.57 % in interest ( not the Highest Rating interest of 11.68 % as advertised ) - so here I am and now I start reading every little detail and theres no way out of it, theres no changes allowed, theres no negotiations allowed, they literally screwed me. I was under the impression they were helping me with a debt consolidation/personal loan and now Im paying more than I was before.
I still had hope they would understand the miscommunication and we can negotiate on my behalf to get this fixed but prosper refused to bring my rate down and they said they dont work with other debt consolidation companies either and I have no choice but to pay the 26.57 % rate.
Im sure now they will find a way to ruin my credit score too and put on a delinquent payment account because I wont agree to auto pay.
They still have never sent a contract or a monthly statement, like I said I didnt know how much interest they were charging because they make it hard to find.
Now after working with this amazing company that was going to make my life easier, Im spending every spare moment trying to find a way to be relieved of this contract, even if I have to get a real loan with 1/2 the interest rate and pay it off in full or XXXX up the bad credit and file bankruptcy
|
| 05/23/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
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I received my Prosper credit card through XXXX XXXX bank a year ago. In that time, I used it once. I can not tell you the amount bc I'm unsure how much my purchase was for at this time. As I do every month, I went to pay 50 % of my bill on the first of the month, I clear the balance by the XXXX of the month.
However, after multiple attempts to sign into their online app, it would not let me in. Let me add that I am not a casual user of tech application. I am extremely well versed. I finally called the company and this is where the problem started. Customer Service representative ( who was very nice ) let me know the last 4 digits of my social were " wrong ''. I am XXXX years old and have been writing my ss # since the dawn of time. Fine, maybe they keyed it in wrong. How do we resolve?
I was asked to send a copy of my social security card, which I did, to an address I was given. I did that and waited. I gave it a few weeks ( 3 ) and retried the app. Didn't work. I tried to phone in my payment. Didn't work. Why? They never fixed the problem. I did what I was asked, they did not.
I called back today, XX/XX/2022 when I noticed a HUGE dip in my credit score. They did not freeze the account prior to fixing the error. They have been compiling late fees and interest on the balance I've been trying to pay for months. I asked to speak to a supervisor as another call center employee ( XXXX, XXXX... another very lovely person ) gave me the exact same " solution ''. ( NOT her fault ). Both supervisors were on the phone with other customers, but I should get a call back. No one received my postal mail with my social floating around so I'm very reticent to mail a check.
Upon doing some research, I see I'm far from the only person to have this or a very similar issue with XXXX XXXX bank and their products.
I have not made late payments to ANY other cc account l have. I am in the midst of trying to purchase my FIRST, very own home. Their lack of diligence is now affecting my ability to get a mortgage. I am literally trying to pay them in FULL and want them to close the account for good like I requested months ago.
This bank is running fraud games, manipulating consumers with predatory practices.
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| 10/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Subject : Complaint Against XXXXPROSPER MARKETPLACE INC and XXXX XXXX XXXX Dear Sir/Madam, I am writing to file a formal complaint against XXXXPROSPER MARKETPLACE INC and XXXX XXXX XXXX regarding their handling of my credit card debt. I believe that my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) have been violated.
On XX/XX/, I discovered that XXXXPROSPER MARKETPLACE INC had sold my debt to XXXX XXXX XXXX and subsequently closed my credit card account. However, to my dismay, the same credit card company later reopened my account and resumed reporting the debt, which I find to be both unfair and deceptive.
I am deeply concerned about the legality of these actions and how they have impacted my credit score and financial stability. I believe that XXXX XXXX XXXX XXXX have violated the FDCPA by engaging in practices that are deceptive, unfair, and abusive. Furthermore, XXXXPROSPER MARKETPLACE INC may have violated the FCRA by inaccurately reporting my debt after reopening the account.
I kindly request the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly and take appropriate action against both XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX violations are found. I have attached relevant documents, including statements, correspondence, and any proof of the aforementioned actions, to assist in your investigation.
In addition to the aforementioned concerns, I am seeking both actual damages ( {$1000.00} according to FCRA ) to compensate for the financial losses and harm caused by the unfair and deceptive practices of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX well as punitive damages of {$10000.00}. Punitive damages are being pursued to hold the parties accountable for their actions and to deter them from engaging in similar practices in the future. These damages are essential to ensuring a fair resolution and to serve as a deterrent against any potential misconduct by the involved entities.
I appreciate your attention to this matter and thank you in advance for your prompt action. Please feel free to contact me if you require any additional information.
Sincerely, XXXX XXXX
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| 05/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/2022, I made a statement balance payment of {$620.00} to Prosper Marketplace Inc. credit card, to bring my balance to zero and my available credit back to the full credit limit amount of {$1000.00}. On XX/XX/2022, ANOTHER payment was made to Prosper for the same amount of {$620.00}. That means there were two payments made or for one balance. I had fought with Prosper card for over a month, with emails and XXXX phone calls, and there was no resolution in getting one of the payments refunded from them back to me. I finally called my bank, XXXX XXXX, to get one of the payments returned to me. XXXX got that payment refunded very quickly.
Prosper app is now stating I have a balance due of {$620.00}. I have not used the card since having all of these issues. I sent an email to XXXX on XX/XX/2022 asking why there was a balance on my account when there was none owed. The email response back was that they were sorry my card got declined ( I didn't even know that Prosper put my card on hold ) and that there was a balance because there was a payment returned from the bank.
I called customer service and they stated that there, in fact, is NO statement balance or the current balance of {$620.00} and they told me I had to wait for the app to clear up. I also asked why my card was on hold and the rep couldn't answer my question, and she would send a report asking why the card was on hold. I asked to speak with someone about my card being on hold and she said there is no phone number or any other way for communication other than just waiting for an email from them. The reference number is XXXX from that call.
With all of my experience with the refund issue never getting resolved, I am doubtful I will get a response back on why my card is on hold and doubtful that the false balance will clear up on the app. I have read a lot of reviews on XXXX and a lot of other people were having similar problems. I have also submitted a review to XXXX and a complaint.
I am worried that this balance will not clear up on my app and they will charge me late fees as well as affect my credit score and payment history.
|
| 04/27/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
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As of XX/XX/21 I was contacted by an agent that states his name was XXXX XXXX working for Prosper Loans and that I was approved for the loan amount of {$3000.00}. He provided a contact number of XXXX and stated that the repayment would be {$170.00} for 18 month term starting in XXXX. I stated that would be affordable to me. He then Proceeded to say because my credit score was not in good standing that I would have to pay the origination fee of {$220.00} via XXXX Gift Card. I go and buy the card and send the picture Gia text with the scratched code from the opposite side so he could redeem the amount for the loan. Afterwards he says I have to pay another {$200.00} because the card did not accept it because I went over the gift card limit. Then he stated that he could release the funds into my account within 10 minutes but I needed a PPI code. Im like what is that, he was like its mandatory to have this for the loan protection from the borrower in case you get hurt or lose your job. Okay that was another {$370.00} in XXXX card. After all these accidental government hold fees, loan filing fees, bank to bank fee, state tax, I ended up sending them {$2800.00} in eBay gift cards. They say they are unable to cancel the loan request and refund me my money because they dont work like that the loan amount would need to be sent XXXX to get it without a hold which was another {$500.00}. Then I speak with another rep by the name of XXXX XXXX who says he is in the lending department and is unable to cancel the loan. Then I speak with XXXX XXXX and he also says that he is unable to cancel the loan and refund me but he can send the funds via fed ex in a check form but I would need to pay the courier fee of {$350.00} which at this point I didnt have because he used all my funds I had in my account promising me the loan would get debited once all the fees were satisfied. I still have not received the funds after being on the line with them over 8 hrs on XX/XX/21 & XX/XX/21. He then text me multiple times trying to convince me paying {$350.00} more will guarantee my funds by the morning of XX/XX/21.
|
| 01/28/2023 |
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
|
|
Web |
Servicemember |
|
Earlier this XXXX I tried logging into my prosper card account account via website. I saw an alert that said I had restricted access. I called their support line and was told by a rep my account was past due XXXX I was shocked, and shared I had no idea and why was my auto pay shut off. He looked and said he didn't know why, I inquired when was the last debit, and what account was on file? The account number wasn't mine. I asked when was auto pay shut off ( since I had it from the inception of the card ), who requested it and how? Again unable to provide answers. I then asked why have I received no notices. None whatsoever, not standard mail, email, text NOTHING. He said, " because I was paperless billing, they were not allowed to contact me. '' That doesn't even sound right as a principle from a business loaning money and trying to get someone to remit owed money. I said I would make a payment over the phone if they would reverse their credit bureau reporting, I was put on hold, and when the rep came back he said his XXXX approved the agreement due to the aforementioned reasons and gave me a confirmation # Reference ID # : XXXX The next day I received an EMAIL trying to cover their tracks saying they are " informing '' me of payments returned from an unpaid account ....
I thought they couldn't and HAD NOT sent any emails because I was on auto pay paperless billing? Awful being lied to. This is their fault, whose account have they been taking auto pay out of all this time for my credit payments? Who stopped that auto pay from wrong account? There is no history of ANY changes being made by me or anyone else. No changes visible in their account history screen since inception of card nor received an email of any requests being made verified or finalized by me. I have enclosed screenshots showing the account they had versus my account that I have had for XXXX. They didn't even remove the wrong account from my profile. I deleted before preparing this correspondence ( XX/XX/2023 ) because of outrage at their negligence. Clearly no investigation was done at all.
|
| 11/27/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
On, or about XX/XX/2018 I responded for a solicitation from Prosper.com for a preapproval for a {$35000.00} loan. I was approved " pending verification '' of credit, income, etc, for a {$35000.00} 60 month loan at roughly 13 %, with around a 16 % apr.
I submitted all of my income for verification, and was told that {$50000.00} of my {$200000.00} in income couldn't be verified or used for the loan as it is rental income. They did " verify '' {$150000.00} of income, but told me I no longer qualified for the {$35000.00}, that they could only extend {$25000.00} based on the income they could verify. I agreed to move forward with a new application, verifying they wouldn't pull my credit again ( they used the same credit hit and score for both applications ). They reiterated that this the new loan application for the lower amount would still be a consolidation loan, paying off {$25000.00} of my existing debt, which is the case.
They came back with an offer which included a rate literally 2x higher then my original offer, sighting higher " debt to income ratio. '' I asked them to lower the loan amount to get the " dti '' in line with the original offer, so I could get the original rate offered ( I did the calculation, and the " dti '' ratio on the new offer of {$25000.00} with the lower income of {$150000.00}, is actually LOWER then it was with the {$35000.00} loan offer with {$200000.00} in income!! ). They said they would not do this.
This is a clear " bait and switch '' and a violation of banking Regulation B and other Fair Lending Laws. As I understand it, they can not charge a different rate to clients with the same credit profile ( credit score, dti ratio ). They are claiming my rate went up because the " dti '' changed from one application to the next. I know it did not. The lower loan, with the lower income, came to a lower ratio, and should have lowered my rate, if anything.
This is a predatory lending practice, and should be investigated. I'm sure I'm not the only consumer who they are taking advantage of in this way.
|
| 10/25/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
On XXXX XXXX, XXXX I sent Prosper a voided check to change a bank account that was closed to fraud. I had notified Prosper to make the changes and set up the payment for the XXXX. Prosper failed to set the auto payments on and did n't reach out to me via mail. I have not received a letter, but rather a notification from the credit reporting company. They reported my loan late and never bother contacting me until I reviewed my records over the week. I have a lot of bills and to notice that a loan agency failed to make corrections. I called them up today and made the past due payments. They failed to offer a discount on the due amount, even other banks gave late fee waivers due to the natural disaster that affected XXXX County, Florida during the hurricanes. The customer service was untrained at handling the situation, they did n't understand the difference between a manual payment and an auto-payment when I told them I wanted to ensure auto-payment was still on. They assessed a late fee to my account and reported my account to the credit reporting agencies.
Loan To Collections XXXX XXXX XXXX User Received Message A message was sent to you. Subject : Your Attention Needed : Payment Past Due. View message. XXXX XXXXXXXX XXXX User Received Message A message was sent to you. Subject : Payment past due. View message. XXXX XXXX XXXX User Received Message A message was sent to you. Subject : Payment past due. View message. XXXX XXXXXXXX XXXX Account Set Bank Account As Primary XXXX XXXXXXXX XXXX User Received Message A message was sent to you. Subject : Primary bank account changed. View message. XXXX XXXXXXXX XXXX Account Bank Account Added XXXX XXXXXXXX XXXX User Received Message A message was sent to you. Subject : Bank account added. View message. XXXX XXXXXXXX XXXX User Received Message A message was sent to you. Subject : AutoPay has been turned off. View message. XXXX XXXXXXXX XXXX Loan Ach Payment Settings Edited The ACH payment settings on Loan # XXXX have been edited. New payment setting is : Manual. XXXX XXXXXXXX XXXX
|
| 07/19/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
Hello, I was XXXX XXXX my job at the end of XXXX and fell behind on my loan with Prosper. I was past due for my XX/XX/XXXX payment which resulted in a late charge and nsf fee also being assessed to my account for an additional {$45.00}.
I called Prosper today to make a payment by phone. My monthly payment is {$710.00} and I made a payment for {$710.00} with XXXX. After completing the payment of {$710.00}, XXXX, mentioned that my account was still past due for XXXX for the fees and would be reported late to my credit. I explained to her that the payment I made for {$710.00} for the XXXX installment of {$710.00} which should bring my account current and up to date. The fees for {$45.00} can be paid with the next installment due on XX/XX/XXXX. She again reiterated that my account was still past due. I demanded to escalate to a manager. She put me on hold and returned to the call and said that my payment for {$710.00} would be applied to fees first and then the difference would be applied to principle and interest. Working in the XXXX XXXX for over 30 years, I told her that was completely ludicrous and illegal. Again I demanded to speak with a manager. You can not apply a payment to fees before applying to principal and interest. XXXX placed me back on hold while getting her supervisor on the file. While on hold, I immediately begin preparing my complaint with CFPB.
After a brief hold, XXXX/Supervisor got on the line. I explained to him my conversation with XXXX. He assured me that the payment I made today for {$710.00} will be applied to the XX/XX/XXXX installment and that my account would be brought current through XXXX. He also agreed to waive the additional fees from the account as a 1 time courtesy and stated he would go back and listen to the call and provide XXXX with additional training/coaching since she provided incorrect information.
What was intended for a complaint, has now been resolved and I would like to say thanks to XXXX for going above and beyond and providing excellent customer service. Thank you!
|
| 01/26/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
I went to credit karma to check out my credit and they had a list of 5 credit cards in my account which were in their opinion, pretty sure I could obtain. XXXX XXXX gets money for every member they send which joins. I joined Prosper and they approved me for a {$1700.00} credit limit, send me an email and said while I was waiting to get the card I could use 1/2 of my credit limit. I did just that as I am off work on short term XXXX and have limited funds coming in. I bought my son some tennis shoes, and made a purchase on XXXX for a furnace filter, I went to XXXX online to try get my grand daughter valentines for her kindergarten class and the purchase was denied, an alert came over my phone, a fraud alert from the credit card company and asked me if I made a purchase at XXXX, I said Yes and they said OK, retry that purchase and that was it. i attempted to pay and it said card was now blocked, so I called the credit card company and he asked me if those purchases were mine and I said yes and he reopened my account and said just stay away from XXXX online and you should be good, so I went to XXXX and purchased items and my card was again blocked. I got up today and logged into the account and they lowered my credit limit by half. I would have never agreed to have the card with the lower credit limit but I was tricked!!! I started looking at the reviews on the site I joined from and many people were saying exactly what I just typed out here and even saying other things which have me scared to death now! I don't want my bank account compromised or my credit destroyed by this company. I spoke with this company today and the woman said my card was blocked multiple times for fraud, which was not fraud it was me however they never send additional messages asking me if I had made these purchases. She said the lowered credit limit is how much I can use until my card gets to me then they will raise it back up to {$1700.00}. This is just not acceptable business practices and there are a lot of people upset with this company.
|
| 07/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
we previously filed a complaint about this and the company responded that there were no payment accounts added and no payment attempts had been made, this however is blatantly FALSE!
The attached screenshots of our prospers account CLEARLY show that there are 2 PAYMENT ACCOUNTS currently added to this account, both checking accounts were added when we registered for online access back in XXXX!
The screenshots further show the error message we receive when trying to make a payment, this error has been persistent since may, we have send a total of XXXX emails to the customer service in this regard and never received a answer!
As far as the claim of the company concerns that no payment attempt has been made we have a RECORDED conversation with the customer service department of prosper marketplace in which the agent CONFIRMS that she could see a total of 3 failed payment attempts!
It is correct that i did not give bank account information over the phone, first of there are already 2 bank accounts added to the account for payment and customer service should be able to initiate a payment over the phone using this information, i have several credit cards from other issuing banks and with every single one i can call in and make a payment over the phone WITHOUT having to give my account information!
Prosper further claims that they requested further information from me in response to the XXXX Claim however this is also a lie as i never received any follow up from prosper after a confirmation email was received on XX/XX/22 stating that due to a high volume of messages a response would be delayed!
At this point it is questionable to me whether prosper is a legitimate business or a predatory lender using questionable business tactics to cash in on people with less than perfect credit, the events and untrue responses to the previous complaint surely seem to suggest so.
I have also conducted further research into this and it seems there are quite a few other customers out there with similar problems
|
| 11/14/2021 |
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
|
|
Web |
|
|
I had a loan consolidation which required that payments be suspended during legal negotiations. This loan company was referred by the original lender and I had not missed any payments. The loan consolidation process began in XXXX of 2018, for the amount of {$8300.00}, and I have a signed document attached from XX/XX/2018, affirming the loan consolidation was authorized as agreed. After the loan consolidation was complete the late payments showed on my report so I contested them starting on XXXX of 2018 when I became aware of the late payment being reported. I confirmed with both the original lender Prosper , Inc., and the loan consolidation firm XXXX, Financial, that I should disregard the late payments being reported and it would all be taken care of once the loan settlement negotiations concluded. I was informed to sign a power of attorney agreement to facilitate this process, which I completed on XX/XX/XXXX of 2018. I have included a copy of such an agreement, as well as copies of all other emails involved with the loan consolidation process.
I have made repeated contact with Prosper and XXXX XXXX, in each instance they affirmed that the issue would be taken care of. I also hate a letter from XXXX certifying that I have made all payments for this loan on time. Prosper 's reporting of payments as late even after the loan consolidation process completed on XX/XX/XXXX of 2018 demonstrates they were acting in bad faith and either willfully or negligently reporting information regarding payment information. There is XXXX legitimacy to any claim of late payments by me after that date, as XXXX XXXX had officially claimed ownership of that loan balance on that date as certified by the email, and all my payments to them were on time.
I attempted to correct this with XXXX, XXXX, and XXXX, and have waited for over a couple years now, but so far no corrections have been made. Therefore, I am talking action here to get the issue corrected as it is a strong impediment to my financial opportunities.
|
| 06/06/2018 |
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
|
|
Web |
|
|
Dear CFPB and Prosper.com, I recently noticed ( Last month ) that I was late on my account, and I called Prosper.com immediately to schedule full payment that was processed on XX/XX/XXXX and I set up another payment that was processed on XX/XX/XXXX, but I wanted to send you in writing a request and favor to ask you if you could grant me a " goodwill adjustment '' to remove late payments from my credit report.
This would mean a world to me, as I have never been late ... and somehow I missed email and notifications from you that I was late this time.
I just recently checked my credit score and score went down by 84 points just because of this specific late payment ... and I want to take a second and explain what happened.
For several years now ( since XX/XX/XXXX ), I have been with you guys ( XXXX ), and I already paid off two other loans ... and I am actually very close to finish paying this 3rd one as well ( I am at 90 % paid off ), and recently I changed my bank accounts ... which resulted in auto payments not being able to process.
I never received phone call from PROSPER, and since I am not receiving paper bills ( I was signed up in autopay ), I was not aware of the missed payments.
I would like to request a favor to remove this late payments from my account and my credit report, if any way possible.
I was never late on any payments to any creditors ever in the past 9 years ... and I simply didn't realize that I was late to you guys ...
Thank you so much for understanding and I appreciate you for landing me money in the past and for hopefully helping me remove this negative report from my credit.
If there is anything else I need to do, please let me know.
I look forward to your response and doing business with you guys in the future as well. I have referred several of my friends and family members to you guys as well, and will continue to do so.
Thank You So So Much once again for your help and I hope that you can forgive me for being late.
Best Regards -XXXX XXXX
|
| 07/20/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
I was offered a loan by Prosper with a low APR, had a hard inquiry on my report generated ... and I was denied a loan before I was able to upload supporting documents, all within 2 hours - online. I believe the lead generation practices of Prosper.com are misleading and result in damaging the credit worthiness of prospective customers. The adverse action emails generated by Prosper.com are intentionally meaningless and not indicative of what information was used to deny the application.
On the website XXXX, I was offered a 'pre-approved ' loan product from Prosper.com at a lower rate than several of my credit cards. This looked like a good deal for a debt consolidation loan. I applied for a loan from Prosper through the XXXX website at the amount and rate indicated on the CreditKarma site. While I was uploading documents to verify my identity and income to Prosper, my loan application was denied. The email I received stated : " Your loan request has been cancelled for the following reason ( s ) : Unable to verify identity, employment, credit history, income or other information on the application. '' Just before receiving this information, I got an email indicating that : " Congratulations, your application for a {$25000.00} loan at X.XX % APR is almost done! But, first we need your help providing a bit more information '' I had not had time to upload documents before the application was denied. The documents I would have uploaded would have demonstrated significant income and assets.
The application resulted in hard inquiry to my credit that will have an adverse effect on my credit. The company ( Prosper ) indicated it was impossible to remove this inquiry.
The adverse action letter I received from Prosper did not provide any meaningful information and the representative I talked to from Prosper indicated that because they do not want to expose any information about their proprietary risk model Prosper makes their adverse action letters as generic and meaningless as possible.
|
| 12/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
I cannot attach an application or other documents other than the image from XXXX because I was not provided any access to the documents or interviewed at any time by a loan officer. Proper Loan company pulled a credit inquiry lowering my credit score XXXX points and denied my application prior to the application being filled out with complete financial information I they did not allow me to provide. I am a member of XXXX. I received a notice from them that Prosper lending company had "pre-approved" me for approximately a 6% personal loan. I was going to pay off some credit cards with this. I filled out the application, however, I had some business details that I could not upload, and also some other financial information. For instance, we paid off a XXXX loan a few days earlier, and they wouldn't have seen that payoff. I contacted them on XXXX XXXX by phone, as they had left a message. I contacted them twice speaking to employees, and they could not forward me to the persons who called me. I explained that I had not completed the application for the loan, and I need to provide the information they need to grant the loan. Yet, instead, I received a call that they denied me the loan without any offer to allow me to complete the loan application. I was never interviewed by any prosper employees regarding this loan application and ultimate denial. It is arbitrary to negligently send derogatory inaccurate credit information to reporting agencies. This company did a bait and switch advertising and is harming peoples credit score without allowing people to complete the financial report application. I have a credit score of XXXX, and this is reported without the acknowledgement of a XXXX debt that I recently paid, but not yet reported, which is typical and they should have asked me questions, and they did not even allow it. Also, I was denied in the application the ability to report an additional XXXX income from business that I could not get the financials for due to the holidays.
|
| 05/04/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
Initially I applied for what would have been a 3rd Pr osper lo an, having paid off XXXX already in years past and having the 2nd almost 50 % paid off. In other words, a good history with h Prosper with no late payments and a solid credit file. I qualified for up to {$13000.00} and elected to borrow {$10000.00} at 17.9 % apr, with a shorter term. I fulfilled all the requests for documentation. I supplied salary stubs, my 2016 XXXX , and XXXX from income received from my XXXX XXXX that I recently started back up. I received a call from a Prosper loan specialist a nd was told that I could either not include the XXXX income because Pros per could n't in clude it for some odd reason. I was told I had to reapply and state I was XXXX in order to have BOTH sources of income considered. I then stated to forget the XXXX income as in past years I had qualified for $ 10,000+ on my XXXX income alone. The loan specialist said it di d n't matter, either way I had to reapply. This made absolutely no sense. I then received a message that my loan had been denied because Prosper " could not verify my income '' despite having current pay stubs, 2016 XXXX and 2016 XXXX . This is an outright falsehood. When I went to reapply as instructed I only qualified for $ XXXX {$9500.00} and now the interest rate jumped to 22.35 % to 34.01 %, depending on the term. Prosper did something similar on the very first loan I took out. Now that it 's happened a second time I see the scam. Prosper denies applicants a loan AFTER its pulled a hard inquiry, which drops the applicants XXXX score. It then offers an outrageous rate and uses the excuse of the applicants XXXX sco re, which its done damage to with the hard inquiry. This is unethical and shoul d be illegal. Prosper was pe rfectly capable of verifying my income initially and the fact that it doubled the rate speaks to its lack of ethics and truth in lending.
|
| 09/11/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Older American |
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To whom it may concern I had apply for a loan with prosper because I got a approval letter.
I completed the application information on line I instantly got approved for XXXX Out of those I only request XXXX there was already a fee XXXX so it let me off with only XXXX and it was supposed to be deposited to the account within 14 days or earlier.
I have verified all my personal information and answered all my personal questions and information such as credit questions they ask me like 10 questions I believe I answer each of the questions correct such as if I had any other credit cards and loans and a car I had recently paid off or finance and even my daughter name. I answers all questions asked from them.
After everything was ready to go I received an email as I was using my stepson email which is XXXX and XXXX I dont have an email created for my self yet because I did not think its necessary.
Wen I saw this message on the ema I called them back and got very angry and dissapointed. I ask the lady representative to tell me why all suddenly got denied after everything was finalized and I signed the contract online everything was ready to go and supposedly I was receiving the funds to my XXXX bank account within 14 days or sooner.
Than the lady said to me that she wasnt supposed to tele the reason why they change their minds. And than I ask her if this was a XXXX act thing because XXXX XXXX. They humiliated me and treated me like garbage who on earth would do that to. Borrowed after sumbmit all documents and got approved and than denied me she also mention that they believe that I was lying about my personality and my information in other word that I was not the person who was me XXXX XXXX full name is XXXX XXXX XXXX I even sent them a state of Illinois ID to verify my identity and also sumbmit them my United States of Americas passport I a legal person here in the USA and Im a XXXX XXXX I feel like they treated me like garbage and humiliated me because Im XXXX
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| 04/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
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Discovered on XX/XX/2022 that my credit card with Prosper XXXX had a balance owed for an annual fee, but in addition to that I got 2 late fees. I confirmed w/2 agents XXXX & XXXX at Prosper, they never called me, they had my correct #, they never emailed me, they had the correct email as well to advise that I had a balance owing or sent me anything BUT the actual card in the mail. They had my email, phone # and mailing address all correct in their system. I had activated the credit card on XX/XX/2022, unfortunately 13 days after my mother XXXX XXXX passed from XXXX. I do not typically get credit cards with annual fees and not getting any notification I owed anything I had no way of knowing until I tried making a {$7.00} purchase on XX/XX/2022. Initially, I thought it got declined as I hadn't activated the card yet. I spent the next 2 days frantically trying to contact or payoff the amount that I owed. When I called XX/XX/2022 and talked to XXXX, she confirmed they never attempted to call me, or email me. Stated that i had online statments, advsd that I signed up for them on XX/XX/2022 so that wasnt a valid argument, furthermore, all of my credit cards and bills come to me electronically, and I get an email on ALL of my credit cards alerting me my new statement is available for review. Prosper has now denied any credit correction request I have initiated claiming it was not bank error. There was no mitigation on their part as far as trying to protect or inform their customer they are behind or have a balance owed. I feel this is very predatoryXXXX I talked to a XXXX, who also informed me that ALL 16 of the interactions on my credit card account were from ME contacting them. No calls placed to me as of this date XX/XX/2022 as I requested a Supervisor to reach out to me to discuss this concern and also to waive out one of the late charges. I already paid the annual fee of {$39.00} + their {$29.00} late fee and {$1.00} in finance charge for both of these fees.
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| 01/31/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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Chronological history of my encounters with XXXX XXXX XXXX which operates the following business located at : Prosper Funding LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Prosper Marketplace, XXXX NMLS # XXXX On XXXX, I received an alert from XXXX XXXX a credit monitoring agency, that a new inquiry has appeared on my credit report that contained my identity information including my residential address. The inquiry was generated by XXXX XXXX Prosper with this phone number XXXX On XXXX, I contacted Prosper by phone and spoke with XXXX. I informed him that I have never applied for any credit or requested any funding from Prosper. He told me that yes, indeed, an account was opened using my name, my birthdate, and my address. During the conversation I was asked to provide my contact phone number and e-mail address. I was also told that they will forward this info to their Fraud Team and I will hear from them within 24-48 hours. They provided me with this confirmation number XXXX.
Subsequent to that I spoke with a number of different individuals, XXXX, XXXX, and others, at Prosper, over several days but did not receive any appropriate response or resolution as to the status of my complaint or inquiry. At one point, I was told that the account application is NOT moving further on their end as it was possibly an incomplete application.
To my total surprise, on XXXX, within 10 days of my first contacting them, I received a credit card from Prosper LLC. It is a XXXX from Prosper, an unsecured credit card issued by XXXX XXXX XXXX, member, FDIC. It also included instructions as to how to activate it.
This is ENTIRELY fraudulent. The company has completely failed to act in good faith and to resolve this in a timely manner after being notified. I also strongly suspect that the company, Prosper LLC and XXXX XXXX XXXX, may be involved in opening such Fraudulent Accounts without any legitimate applications for credit from their potential clients.
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| 07/25/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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I applied for a personal loan of {$3000.00} with Prosper approximately XX/XX/XXXX. I was sent an email indicating I was approved but needed to provide additional information ( bank statements ). I provided said documents right away. The reviewing agent contacted me on XX/XX/XXXX stating she needed to verify my bank account which she did while on a 3 way call with myself and my bank representative. My bank representative told the Prosper reviewing agent my account had a negative balance and the reviewing agent did not state there was an issue. I then received a " one ring '' phone call less than 10 mins later that went directly to my voicemail box. I then received an email from Prosper indicating they attempted to call me regarding my loan but they were closed by then ( Friday at XXXX ) and would not be reopening until Monday. I called today, Monday, XX/XX/XXXX inquiring about my " loan approval '' and was advised by XXXX that my loan had been cancelled and Prosper account suspended for 60 days because of my negative account balance. I asked to speak with a supervisor considering I wasn't informed a negative account balance would hinder the process at the time of the call. XXXX placed me on hold for over 20 mins and returned to the line stating, she discovered my loan was cancelled due to my credit profile/score. I then asked which reason I was being denied considering I was being told two different things. I again asked to speak with a supervisor. I was again placed on hold for over 10 mins and a supervisor spoke with me and reiterated that my loan had been cancelled because of my negative bank balance. I asked why I was not provided the opportunity to resolve my negative balance before my loan request was cancelled. The supervisor stated that canceling a loan due to a negative acct balance is their policy and didn't offer any other information besides I would receive an adverse letter via email detailing the reason for my denial.
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| 05/04/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
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Prosper took a double payment for XXXX ( despite their notes that " customer accidentally made a double payment '' ) as I have auto withdrawal set up for my account. I called Prosper on or about XXXX XXXX to inquire about the doubled amount of {$1300.00}. They stated it may take up to 15 days to refund the {$660.00}. I expressed my dissatisfaction and noted via internet that Prosper has done the very same with other consumers. I called again on Tuesday, XXXX XXXX and asked for a supervisor and was refused. The person on the phone informed me that partial refunds were not possible and that they would refund the entire amount and I would have to make another payment for XXXX and XXXX receive a late fee! When I voiced my complaint about the late fee, the representative agreed to call me when the XXXX was refunded so that I could make the XXXX payment on the phone with her and she would reverse a late fee. Today I received a notification that a refund would be issued within 5 days, however, I also received a notification that my XXXX payment is 8 days past due and another automatic payment would be initiated in 2 days! This means that {$1900.00} will have been withdrawn from my account for XXXX payment causing me to be unable to pay other bills on time. I did ask the representative " XXXX '' to remove my auto withdrawal so that payment could be made ( again ) only if the {$1300.00} is refunded to my bank account. I am not confident that this will occur. I will include the email reference regarding my auto with drawl so that it is clear that Prosper took the double amount. I did not accidentally make a double payment and the other information regarding late payment and fee can be reviewed.
Please also note that there are may consumers with the same complaint about Prosper taking double payments and holding them as well. All it takes to find them is a simple XXXX search.
Thank you for your consideration.
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| 09/07/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Taking out the loan or lease
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Web |
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I have filed a personal loan application with Prosper on XXXX/XXXX/2016. As I indicated in my application that I am a XXXX, Prosper did not have a specific form for this type of income statement on their website and asked to call them, which I did next day.
On XXXX/XXXX/2016 I submitted all additional documents and was notified by Prosper that my loan is 100 % funded.
On XXXX/XXXX/2016 I received a message from Prosper that my loan has been cancelled due to " We could not verify your employment status. '' In their message Prosper also stated that " You should re-list as soon as : You have changed your employment status to XXXX '. '' Since I did state my status as XXXX in the original application ( I am a XXXX ), this message sounded completely lunatic.
I proceeded with e-mailing Prosper customer service and received the following reply : " We do apologize for any frustration. With the listing cancelled, you will have to relist. I have updated your employment status to XXXX. Unfortunately, you will have to submit a new application with the information updated on your account to move forward. Thank you for your patience. '' I followed Prosper 's advice and filed a XXXX application. This application has been denied due to " We are unable to accept your application at this time because our records show that we 've recently declined your request for a loan through Prosper. You are eligible to reapply 120 days after the date that your previous application was denied. We hope to see you again soon. '' While Prosper certainly has the right not to issue me a loan, Prosper does not have a right to engage in fraudulent deceptive practices and flat out lie to their loan applicants. I would like you to investigate this matter and subject the company to appropriate liability, whether in a form of a fine or any other measure of liability the Bureau will see fit.
Thank you.
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| 09/08/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
Older American |
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I was searching for a loan to pay my credit card off. I was contacted by XXXX XXXX of Prosper Funding # XXXX. XXXX told me to secure my loan that they would send me a check. The first check sent via e-mail was for {$780.00} which I was directed to put into my mobile bank account.The back of the check said ( For Deposit Only ). XXXX told me to get XXXX gift cards from XXXX and put {$380.00} on XXXX and {$390.00} on the other. When I gave XXXX the numbers for both cards he told me the second card for {$390.00} had no money on it. I called the XXXX Headquarters. They began an investigation but couldn't tell me why the money wasn't on the gift card. Then XXXX sent me via e-mail a second check ( For Deposit Only ) for {$980.00}. That money somehow was withdrawn from my account. My bank is doing an investigation of the XXXX checks which cleared in my account. My bank has put a hold on my account. My bank took {$810.00} from my XXXX check in my account. XXXX called me on XX/XX/2023 and said he was speaking to Consumer Affairs and if I came up with the {$390.00} he would get the hold lifted. The money I tried to put on the gift card is a XXXX issue. I explained to him that both of the checks sent to me were returned because they were not legitimate checks. I have contacted the XXXX XXXX XXXX, the Attorney General 's Office and Consumer Affairs and filed complaints with them. When my bank 's investigation finishes I will know where my bank account stands. I then called the Better Business Bureau and obtained the numbers for the Federal Trade Commission and the XXXX XXXX XXXX as well as the FCC. I have not filed a Police report because the gentlemen said I should wait until I have all my information to do a complete report. Then they can tell me if I have a case against XXXX XXXX loan officer and Prosper Funding for he XXXX returned checks.
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| 02/09/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with additional add-on products or services
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Web |
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I attempted to find a loan online, was directed to Prosper Loans, filled out the application, gave personal information etc ... received phone call from a XXXX XXXX, he stated he was a loan manager, proceeded to move forward with over the phone info of my own, everything seemed fine ... except for there verification process ... I was told that a XXXX deposit would be made into my checking account ( which it was ), and then minutes later ... this man XXXX XXXX requested me to take out the money via ATM, and then go to a commercial store like XXXX or XXXX and send the money back to him via a wire transfer I am assuming ... .I didnt take or touch the money that was sent into my account... I quickly asked for help with my local branch of my bank and was directed to file a police report after that ... I was told that if I sent these monies back to this loan manager, that this would be part of Prosper 's account verification process ... which I was told by my local bank personnel that NO LENDER WOULD EVER VERIFY AN ACCOUNT LIKE THAT ... .I am filing this report to bring this person to light and hope that the government can track this person down and stop them from making more victims of online theft or fraud... .I have all the emails, text messages, pictures of the proposed loan offer letter, phone numbers of these individuals... they keep calling from different numbers... .and even a recording on the phone of them impersonating a police officer .... ( they actually called while we were filing the police report, the officer at the time found it funny as they were impersonating a coworker of his ) .... I'm hoping this complaint will get to some type of internet or FBI fraud division and bring these guys to justice, as well as to this company Prosper ... .because I dont believe this person is actually an employee of this company...
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| 06/29/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I received two crowdfunded loans from Prosper Marketplace, the first for {$12000.00} in XX/XX/XXXX and the second for XXXX in XX/XX/XXXX. A XXXX diagnosis and divorce forced me to default on both loans in XX/XX/XXXX. Prosper charged off both loans in XX/XX/XXXX with charged-off amounts of {$13000.00} and {$7900.00}.
Five years later they increased the balances and reported such to the credit reporting agencies. The first loan balance was increased to {$18000.00} with the second increasing to {$10000.00}. The increases were first reported in XX/XX/XXXX. I contacted Prosper to inquire why they would increase balances on six-year old charged off accounts. I took the position that the increases were improper and that they had not made any attempts to collect the debt. They referred me to their third party collections company.
I contacted the collections company and a representative informed me that not only did they not have my account, they also don't report any information to the credit reporting agencies. They referred me back to Prosper 's in-house collections unit.
I contacted Prosper again. They also could not locate my account and could not advise why the balances were increased.
I never received a follow up call from Prosper, the balances, however, were returned to the original amounts in XX/XX/XXXX. Then a month later the balance were AGAIN increased. At that time Prosper also updated the second loan to indicate that they account had been closed as of XX/XX/XXXX, four-plus years AFTER the account was charged-off.
I view these actions to be malicious with clear premeditated intent to damage my credit rating by unlawfully increasing balances, changing the 'closed ' date of the account, adding payment history where there was previously none, and updating the accounts monthly to hold down my scores.
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| 11/07/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
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Web |
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Prosper Marketplace Accountnumber XXXX failed to notify me about reporting derogatory info. to XXXX and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XXXX, furnishing the negative derogatory 30, 60,90,120, 150, CO information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ) .Plus broke commercial law under UCC 9.501 that all notices were timely and properly given bydated certified mail receipt. They were not met. I asked for documentation & received no response.
Also, Prosper Marketplace '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of TX allows treble damages.
Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) Prosper Marketplace failed to send me my initial communication before placing this alleged derogatory 30, 60,90,120, 150, CO status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the XXXX and that my state attorney general can also enforce this with a {$1000.00} penalty as well.
I attached a copy of the law and the actual document from the XXXX XXXX Prosper Marketplace is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. Smith v. Heard 980 S.W.2d693 ( Tex.App-San Antonio 1989 reh.den. ) citing Monroe v. Frank 936 S.W.2d 654 ( Tex.App-Dallas 1996 writ dism 'd w.o.j. )
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| 11/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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In XX/XX/XXXX I made the decision to close this credit card after numerous issues with Prosper Card issued by XXXX XXXX XXXX. I contacted them via phone to initiate the account closure and at about the same time revoked account access to my checking account with XXXX via a third party app called XXXX. This app enables a company to see an account holders balance and transaction history within my personal checking account. The day of that call and prior to closing the account I used the lenders app to initiate the payment of the majority of the balance due them.
Within days of closing the account I no longer had access to the Prosper Card app or website for current account balance and to make debit payments from my XXXX XXXXhecking account as payment to Prosper Card. This lender also does not accept payments pushed from my bank to them via billpay. I should also mention that auto pay was set up on this Prosper account to ensure that a payment due was never missed.
Based on my experience, conversation with XXXX XXXX and my numerous attempts to get answers from Propser, it appears that when I revoked permissions via XXXX this lender automatically stopped sending ACH debits to XXXX for payments whether payments I requested or auto payments. They simply stopped and as a result have reported my account as delinquent, charged erroneous finance charges, refused to resolve the issues and made numerous claims that my bank reversed payments when in fact they reversed the payments and never submitted them into the ACH clearinghouse.
I was able to pay them {$320.00} via check on XX/XX/XXXX check number XXXX. They did successfully apply that payment to my account but now insist that i still have a balance for finance charges. They have also reported the account as 60 days late to the credit bureaus.
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| 03/12/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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Web |
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Today XX/XX/2019, XXXX XXXX XXXX ( XXXX XXXX XXXX ) left me a voicemail that I qualified for a {$8000.00} loan with 10 % APR, for 36 months with a $ XXXX monthly payment. That wasnt bad. I called back and the representative asked for my social security number in order to confirm my application which I did give him. He asked for my bank routing number since it was going to be a direct deposit loan. I actually did give him that. Then, he said that he would need my bank account login information ( username and password ) in order to get into my account. I was polite in refusing to yield to his request. He became rude and the tone of his voice increased, threatening that he wont give me the loan and I shouldnt call him back. Well, maam, {$8000.00} is a lot of money and I cant deposit it into your account without logging into your bank account, he said. I told him again politely that my login information should be my private thing. He told me not to call him again until Im ready to give him the information he needs. Call back tomorrow when you really need the money, he said and then ended the call. I was shocked and wondered how unprofessional this company was and decided to call again in order to ask if there were other options for me to get the loan. He picked up and said maam, if youre not ready to give me the login information, dont call this number again. He did hang up again for the second time. Few minutes later, I decided to call again and the company refused to answer. I called two more times. No answer. I came to a conclusion that XXXX XXXX XXXX is either a scam or it has a horrible customer service. Im still shocked. Also, this business is not same as PROSPER MARKETPLACE INC ( XXXX XXXX XXXX ) because I called PROSPER MARKETPLACE INC and was able to confirm the differences.
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| 10/14/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I XXXX XXXX entered into a consumer credit transaction with XXXX/PROSPER on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 use 1605 defines a finance charge as the sum of all charges in a consumer credit Transaction. The Finance charge does not include cash, but XXXX PROSPER Point took cash and monthly cash payment which is equivalent to a comparable cash transaction.
Congress stated if I go and get a " loan '' and there is a finance charge involved, because I used my credit card, which is defined my social according to 15 USC 1602 ( i ) ; to do a consumer credit transaction, I'm not suppose to owe anything more than whatever the finance charge is. Whatever the finance charge is in connection to a consumer credit transaction should be the sum of all charges. There should be XXXX cash included. The charges should all be together, according to Congress. It is inseparable to the extension of credit.
15 usc 1605 also states that the finance charge does not include charges of ANY type payable in comparable cash transaction. Being that monthly payments are being made/or have been made that is in fact a comparable cash transaction.
Examples of charges which are included in a finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount or other system or additional charges. The 32.99 % interest listed in Exhibit A and Exhibit B is in fact false and misleading because It is suppose to be included in the finance charge.
XXXX PROSPER also failed to provide or conspicuously disclose, my right to rescind. Which is in fact is a violation of subchapter 15 use 1635 ( a ) - Right of Recission as to certain transactions.
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| 10/02/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
Servicemember |
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I applied for a medical loan on Thursday, XXXX XXXX, 2017 with Prosper Funding LLC. | XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX.
I was sent an email that I was approved for the loan amount requested which was approximately {$22000.00}, with the caveat that before the loan can be completed I needed to submit verification of income and provide some tax documents. I attempted to submit the documentation through their secure website, but the website would not take the information and gave me an error code. I then tried again later to resubmit the paperwork and once again it took some of the information, but not all of it. I went to the medical facility where I started the treatment that was needed, and the hospital called Prosper to verify that the loan was in good order. Prosper told them that everything looked fine. In the end, Prosper said they did n't get the paper work and what they got had discrepancies. I tried to speak with their account division to address whatever discrepancies they saw and also send in the paperwork that probably still needed to upload. Prosper told me they would not discuss this issue with me and that the account was closed and that I should never apply for a loan again. The hospital also called and with me on speaker phone was told the same thing. This is unacceptable. We are outstanding customers with excellent credit. This company now has our personal information and treated us like we are criminals submitting fraudulent information. They do n't have a loan processing department with someone to talk to? This company should not be able to have an online banking business when they are not willing to communicate with a customer regarding their application, they really want your information. This is not acceptable.
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| 01/10/2017 |
Yes |
- Consumer Loan
- Installment loan
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- Taking out the loan or lease
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Web |
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XXXX XXXX, my legal husband, took out a loan with Prosper in my name and named my personal checking account for the payments without my permission. This was done in XXXX 2016. A police report was filed by me, XXXX ( XXXX ) XXXX, in addition to completing the fraud packet required by Prosper. A subpoena was issued by Detective XXXX XXXX, XXXX County Sheriffs Dept. for the loan documents and the investigation of XXXX XXXX is ongoing. Prosper continues to assess interest charges to this loan despite fraud being accused by myself AND the accusation an open investigation with the XXXX County Sheriffs Dept. in XXXX AZ. XXXX XXXX has advised Prosper that he has documentation and the entire case report and advised them how to get a copy of the report. Prosper has not responded to him. They recently notified me they have not found any evidence of fraud and are holding me responsible for the loan, despite this being an open investigation with my police department. XXXX XXXX in the Prosper fraud dept. refuses to contact me by phone despite the numerous phone messages I have left for her. I DESPERATELY need a third party to help me with this loan company. It is grossly unfair to continue to assess interest fees and late fees when an open fraud investigation is in process. I have asked in writing to Prosper to acknowledge my dispute of their determination that no fraud was committed. They have ignored this request of mine. Please let me know what agency can help me with this Loan Shark Loan company!
**I HAVE SUBMITTED MY NAME AS THE BORROWER BECAUSE MY NAME IS ON THE LOAN. I AM NOT ADMITTING TO HAVING APPLIED FOR THIS LOAN. YOUR FORM DOES NOT ALLOW ME TO PUT XXXX XXXX NAME AS THE BORROWER AS I DO NOT HAVE HIS INFORMATION.
XXXX XXXX, victim
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| 12/11/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
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Web |
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I was on a 6-month payment plan ( I was unemployed due to COVID ) with Prosper starting in XX/XX/XXXX for $ XXXX and utilized the autopay feature ; and assumed my last {$200.00} payment would be XX/XX/XXXX21. However, when I received a payment confirmation on XX/XX/XXXX21, it stated that the payment would be for {$740.00}. I immediately called Prosper on XXXX/XXXX/21 and stated I thought my payment would be for {$200.00} and my checking account would be overdrawn with the {$740.00} payment. The Customer Service Representative stated she would request a refund and stated my payment should be for {$200.00} for the XX/XX/XXXX payment, then revert to a higher payment. She told me to wait for a few days to receive an email and refund, which I did not receive. I called Prosper on XXXX and spoke with a Customer Service Representative named XXXX XXXX XXXX was very polite and understanding and helpful and told me over and over that my payment of {$740.00} would definitely be returned, especially since my checking account is over {$900.00} overdrawn. He promised me the payment would be returned in a few days and someone from Prosper would call me to work out the details. Again I heard nothing until XXXX when I received an email from Prosper stating they would not be returning my payment. Now my checking account is overdrawn by {$1000.00}!! I called on XXXX and asked to speak to a manager, who was nice and understanding but stated there was nothing they could do and that I was told misinformation from the previous representatives. The manager stated it was Prosper 's fault but could not return my payment or offer to pay the overdraft fees due to the misinformation. All he could do was turn off the auto pay feature on the account.
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| 02/23/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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This is about Prosper marketplace that has a fraudulent account on my credit file Approximately two years ago I started receiving phone calls from this company telling me that I was past due on a debt. I continue to ask the company what type of debt are they talking about and the Company would repeat themselves and tell me that I applied for a loan and I was past due on my payments. Of course I thought this was fraud and they were just wanting information from me however as time goes on I Learned that this was real because they have now placed this on my credit I have attempted dozens and dozens of times to speak with this company however they refuse to speak with me because they say that they have been paid in full by another person however they have still placed this on my credit file. This is against the law what they are doing to me and I am demanding that someone look into this as soon as possible or I will be getting an attorney and researching all parties involved. Companies like this should go to jail. Unethical unprofessional and they just hang the phone up on me when I call this is tarnishing my credit I am in capable of purchasing a house because of this company my life is on hold and I am demanding some sort of answer from this company rather than hanging the phone up on me continuously. I am sick of it absolutely sick of it and I want this removed from my credit file immediately.
They tell me to provide proof that this is not mine. How in the XXXX can I provide proof that this is not mine when it is indeed not mine? Its like Im having to prove I didnt do something when thats absolutely impossible to do. Any help whatsoever from anyone would be greatly appreciated because Prosper market place is a joke.
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| 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
- Difficulty submitting a dispute or getting information about a dispute over the phone
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|
Web |
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My name is XXXX XXXX, and my grievance is with the following : XXXX credit reporting agency, XXXX XXXX is the representative from XXXX moreover they've move my credit file to some department they reference as their Special Services Department, XXXX XXXX Representative XXXX XXXX has been extremely rude, furthermore he has been exhausting and very difficult to deal with ; I've complained about the unauthorized hard credit inquiries listed on my credit report, XXXX XXXX has refuse to take my dispute for the hard inquires, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX The next issue is Prosper Marketplace LLC, They've have reported a settled account using totally different verbiage than originally agreed to ; they agreed prior to the me paying, that they'd add the following statement to my credit report '' Prosper shall consider the Borrower 's account to be settled, and shall notify the credit reporting agencies that it reports to that Borrower 's has been settled in full. They've reported something completely different '' Legally paid in full for less than the balance and caused my credit score to drop more than XXXX points, this has adversely effected my credit standing, for the next 7 years. They should immediately correct the language, more Prosper Loans also stated that this would not negatively impact my credit report, they've made false promises to get me to pay in advance. the original loan was for {$15000.00} and they collected initially {$500.00} for themselves, I've paid out over {$20000.00} on this loan, do to Covid 19 they offered a settlement directly, moreover more importantly, they said it would not impact my credit reporting, as long as I paid the agreed amount with in a certain time period.
|
| 04/02/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Older American |
|
I scheduled a payoff payment on XX/XX/2020 in the amount of {$1700.00} to be transacted on XX/XX/2020. I contacted the company on XX/XX/2020 to determine the exact payoff amount because a payment would be debited on my personal checking account on XX/XX/2020 and needed to confirm if I should deduct the amount from the payoff amount. I was advised by XXXX that I should CANCEL the {$1700.00} payment and schedule a payment for {$1300.00} which would be the payoff balance on XX/XX/2020. I did as advised and cancelled the payment online on XX/XX/2020. XXXX confirmed the payment was cancelled. On XX/XX/2020 Prosper processed an ACH Debt transaction in the amount of {$340.00} which was the standard scheduled payment. On XX/XX/2020 they processed an ACH Debit on my personal checking account for {$1300.00} leaving a XXXX balance. On XX/XX/2020 they also fraudulently processed an ACH Debit on my personal checking account in the amount of {$1700.00} against an account that had a XXXX dollar balance. On XX/XX/2020 I immediately contacted Prosper when I noted the fraudulent transaction that was not authorized. I was advised the transaction was done but would not be corrected until XX/XX/2020. I advised XXXX, XXXX and XXXX in three different conversations that the return of the stolen funds was NOT acceptable and the amount had to be returned today. They could not provide any proof the money was being returned or a transaction number of the return of the funds. They are currently refusing to return the money that is not owed in the amount of {$1700.00}. I was unable to escalate the call as they would not allow me to escalate. This money should be returned to me with interest and the company should be charged with fraud.
|
| 07/04/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I submitted an online loan application on XXXX/XXXX/XXXX. After loading my bank account information for the loan proceeds and monthly payments, I could no longer access my account and finalize the loan terms. Repeated calls and email exchanges with their client services and VOC Manager XXXX XXXX resulted in no resolution. XXXX XXXX and the client services team constantly contradicted each other as to the cause of the issue. I was informed by client services that I had created XXXX accounts, # XXXX and # XXXX. The latter account is not mine, and I repeatedly told both XXXX XXXX and the client services team it was not. The latter account was even created with an email address that is clearly not mine. The email address contains the domain of a company I did n't even know existed, and currently operates out of the state of Tennessee. The most disturbing detail stated on the response by their client services on XXXX/XXXX/XXXX is my social security number is listed on the account that is not mine ( the email from client services is being accompanied with this complaint ). I informed client services and XXXX XXXX to delete all of my personal information as I would not conduct any business with them since they can not guarantee the would not conduct any business with them since they can not guarantee the confidentiality and safekeeping of my personal information. Surprisingly, I received an email from Prosper on XXXX/XXXX/XXXX stating their Privacy Policy XXXX. Clearly, my personal information has not been removed from their files. I am concerned about the possible access and or distribution of my personal information, as they did not perform their duty to keep it confidential from what I can see at this time.
|
| 12/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
At the beginning of XXXX I had contacted Prosper Marketplace. Due to covid and them doubling up the amount of the payments then enduring XXXX XXXX, I called Prosper and discussed my options as my father had offered to pay this account off. I spoke to an agent and asked the same question several times will this affect my credit, as he gave me a number and it was paid immediately. He clearly stated it would only show the account paid I clarified again he said it will just show that the account is PAID no other incriminating information. I then noted that the account shows the word settlement and a red mark on my XXXX payment status which dropped my score considerably. My goal was to enhance my credit moving forward thus being so particular about what they would state on my report. During the conversation he had asked if I was in front of my computer and logged into my account I said yes he said press the accept button which I did. I have since written to them via email in excess of 10 times most of which they don't respond, I have asked that they listen to the recorded message which they refuse to do. I followed the guidance of that agent, had I known it would be derogatory to me, I would not have paid it off. This company prays on people that are just trying to get out of debt not into it. I request that the conversation be listened to and where it was clearly explained that only the word PAID would show and not a barrage of additional information that they put to harm the consumer. I paid this in good faith rather than go into bankruptcy which would have been worse for them. I ask that they remove anything other than what I was told would be there which was only PAID and a XXXX balance owed. Thank You
|
| 11/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have become aware and informed of the use of credit according to the truth in lending act. On XX/XX/2022 I mailed Prosper MarketPlace, INC a billing Error dispute in regards to an extension of credit account pursuant to 12 CFR 1026.13 ( 4 ) ( 5 ) ( 6 ). Prosper failed to comply with resolving the billing error by not responding in the time given by law and took adverse action against me by reporting late payments on my credit reports which was prohibited by law 12 CFR 1026.13 ( d ) ( 2 ) damaging my reputation. I exercised my consumer rights in good faith pursuant to 12 cfr 1026.13 ( d ) ( 1 ) to withhold payment till the billing error was resolved and prosper never resolved but they took immediate adverse action against me. I became aware that banks have the power to borrow and give security therefor and pay interest thereon pursuant to 15 USC 1431. Under truth-in-lending 15 USC 1605 a finance charge was charged which is the sum all charges and also included the INTEREST! The account in question shows positive credits ( the interest ) and no evidence of indebtedness, and those credit, I believe, should be credited to the consumers account. I believe every cash payment that I paid to prosper on the consumer credit transaction was unearned interest, according to 15 USC 1615 I am requesting a prompt refund of those cash payments. I am asserting my rights, as a consumer, by requesting additional clarification, including documentary evidence pursuant to 12 CFR 1026.13 ( 6 ) of tax records, bookkeeping of both journal and ledger entries of financial in accordance with 15 USC 44 " Documentary Evidence ''. I have also mailed Prosper MarketPlace and their registered agent a Pre-Arbitraiton Notice.
|
| 10/19/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I received a personal loan from PROSPER on XX/XX/XXXX in XXXX for {$15000.00} XX/XX/XXXX I requested a credit card increase from XXXX XXXX XXXX and the bank then sent a check for {$13000.00} to Prosper at the address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX.
I waited over XXXX week but heard nothing back from Prosper so I contacted my bank and a representative told me that the check was sent to Prosper on XX/XX/XXXX. I called Prosper to asked what happened to the check that was sent by my bank and the Prosper representative told me that I sent it to the wrong address so I explained to her that is the address that is in my email. I had to called back XXXX XXXX XXXX and explained to them that PROSPER stated that they never received the check, ( XXXX ) immediately placed a stopped payment on the check. I called back Prosper and told them this and I was given a different address to mail the check. NO further checks were mailed because we ( XXXX ) wanted to wait to make sure no one tried to cash the first XXXX. However, on XX/XX/XXXX PROSPER updated my account balance {$13000.00} paid in full. I was shock I called/email to let them know that a stopped payment was placed on the check. They got me for insufficient fees, late payments fees and other fees. I have email and made phone calls and was told that those fees were waived, but they are not. The loan agreement is for me to pay {$310.00} per month on the XXXX but because of all the confusion I requested for them to changed the payment date for the XXXX of each month. Now Prosper is auto withdrawing extra fees 2 times in a month separately from the {$310.00} loan payments without my permission, this is causing a great deal of hardship.
|
| 03/23/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
This company used my social security card which is my credit card. According to the USC It gives the definition of a credit card below.
15 USC 1602 ( l ) 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 XXXX XXXX XXXX and 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 I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of XXXX XXXX and PROPSPER according to 15 U.S. Code 1691 - Scope of prohibition ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter.
By law a consumer cant deny you for credit according to number 3 above and 12 CFR 1002.7 - Rules concerning extensions of credit.
1002.7 Rules concerning extensions of credit.
( a ) Individual accounts. A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of sex, marital status, or any other prohibited basis.
One of these prohibited basis includes a consumer something in GOOD FAITH which I did.
|
| 08/01/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
- Problem with customer service
|
|
Web |
|
|
This complaint is on behalf of my partner -- - as he does n't speak English. On XXXX XXXX 2017, my boyfriend applied for a loan with Prosper to pay off his debts. On Friday, XX/XX/XXXX , my boyfriend and I contacted Prosper as he had additional questions. To my disbelief, the Prosper Rep stated that they have no Bilingual ( XXXX ) customer service individuals, i then stated that I would be able to translate since my boyfriend was next to me, but they were not able to assist due to confidentiality which is understandable but my boyfriend approved for them to speak to me, however, they were not able to answer our questions.
On Monday, XX/XX/XXXX he received a call from Prosper and he was able to answer those questions he did n't have trouble with understanding, but my boyfriend mentioned to me that he had difficulty understanding. I called on his behalf and I asked again if they had a Bilingual ( XXXX ) and again, the rep stated they had no one. My boyfriend received an email from Prosper to login to their page to view the status of the loan, but we were unable to because the account was closed.
In conclusion ; as of now, we still do n't know why the loan was denied and it has been impossible to find out.
My boyfriend feels discriminated against, as we found it difficult to get assistance for a XXXX Speaking Consumer. We needed to get answers, therefore, it 's unprofessional and unethical not to receive proper information especially when applying for a loan.
I also believe that the company is either refusing to have any of their associates speak XXXX or they do not hire Bilinguals/ XXXX at all. I find this extremely worrisome and improper.
|
| 05/18/2022 |
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
|
|
Web |
|
|
It all started in XXXX when my personal information was used fraudulently to apply for unemployment benefits at the company I work for an have ownership in. This was reported to the RI XXXX XXXX, and FTC and to RI XXXX XXXX XXXXXXXX. None of which ever followed up with me. Not a single call, nor email response. Eventually through my persistence, RI XXXX XXXX XXXX acknowledged the issue.
Since then, my XXXX XXXX account has shown numerous fraudulent inquiries in XXXX, starting in XX/XX/XXXX and now several in XX/XX/XXXX showing on XXXX and XXXX. I've been able to receive cooperation with all credit bureaus for removal of credit inquiries and also filing fraud complaints with exception of XXXX that does not want to help or extend any customer service to correct the problem.
In essence, I have lost about 12 days or more of work over this issue calling the various companies, banks, financial companies, websites, etc. all because of the very companies that are always asking for my info, and breach my personal details. This is victimization in its purest form from the same companies that are rating consumers and judging consumers in the first place. The system is broken.
At this time, I have maintained Excellent credit, however I still have several XXXX credit inquires which are damaging my credit score and on their fraudulently. It's nearly impossible to reach Propser Bank and also impossible to reach XXXX XXXXXXXX XXXX never mind get any cooperation from either bank, nor XXXX.
I have also had to now Freeze all credit reporting agencies which will be a problem for me in the future when I need to apply for credit.
|
| 08/21/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
On XX/XX/XXXX they went to pull their payment out it failed cause I didnt have enough funds in my account and payment was rejected. On XX/XX/XXXX Prosper said they tried to pull the funds again and that pull failed but my Bank XXXX XXXX XXXX XXXX has no record of the payment coming in. On XX/XX/XXXX I made a manual payment and it went through but has not been applied to my account see details below. I contacted prosper the phone rep gave me the run around and said I needed to bring the account current and then went on to say that they did not have payment I tried to explain that payment was sent on XX/XX/XXXX and the XXXX did not return it. I then asked for a detailed statement of all payments made they could not send one out. On XX/XX/XXXX I plan to bring the account current but the fee they are charging me on XX/XX/XXXX should not be applied and that payment I have sent them on XX/XX/XXXX needs to be found and applied to my account ASAP. No one with prosper this far has been able to tell me where the funds went. The XX/XX/XXXX payment was made directly to Prosper using their AP where did the funds go. Prosper Transaction information : Date Amount Principal Interest Status XX/XX/XXXX ( {$420.00} ) - ( {$6.00} ) Failed XX/XX/XXXX {$420.00} {$420.00} {$6.00} Success XX/XX/XXXX ( {$420.00} ) - ( {$69.00} ) Failed XX/XX/XXXX {$420.00} {$350.00} {$69.00} Success XXXX XXXX Transaction information : XX/XX/XXXX RETURN CHECK NSF CK NBR : XXXX RTN CK AMT : {$420.00} {$30.00} ( {$30.00} ) - payment returned and should have been XX/XX/XXXX PROSPER MARKETPL LOAN PMT {$420.00} {$440.00} - payment made and not returned
|
| 06/26/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Servicemember |
|
I am currently serving overseas on XXXX XXXX XXXX ( called to XXXX XXXX from a XXXX XXXX ) and my account has been under SCRA status since XX/XX/XXXX due to my military status.
With my military duties and my remote location, I am limited in my abilities to check my accounts but noticed when I did that I was behind on my loan payments and sent a payment. It will take time for me to make the remaining payments due to the time I need to transfer funds, etc. while overseas but anticipate being able to get everything up to day by XXXX.
Surprisingly, Prosper tried to take out more payments beyond the one that I initiated as I distinctly remember only sending one payment. I did not have auto pay on and did not initiate this second transaction but Prosper initiated it anyway apparently. I called the customer service about this and they could not provide a satisfactory answer about this attempted extra payment.
And late on XXXX XXXX, Prosper emailed that if I dont make payments by XXXX XXXX that my account would be written off as a bad debt.
Im very disappointed in Prosper and this whole situation. With my account being under SCRA protection and me making a payment last week and working to get things straightened out while on XXXX, they seem to initiate a transaction that I did not approve and now threaten to write off my loan as a bad debt. I sent an email to Prosper stating that I am working to resolve the remaining payments but it takes time due to my circumstances in my XXXX status overseas in the military. I plan on discussing this issue with the military legal office to see what my options are.
|
| 02/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Prosper Notified me in XX/XX/2021 via email that instead of charging me {$450.00}, which has been my monthly installment amount that they were going to, per contract, charge the remaining XXXX dollars in XX/XX/2021.
I was I'll prepared for this, I called and emailed proof attached asking that they not do this.
I run a business we are cash flow tight.
They refused to heed my warning and on XX/XX/XXXX charged {$1000.00}. To exacerbate my fragile situation, 10 days later they took the other {$1000.00}. This cause Nsf and I lost my employees trust because his payroll paycheck bounced back nsf.
I'd this fair?
When I asked them to refund the {$1000.00} they said no I must dispute with XXXX.
Fortunately, my bank reversed the charge.
My employee employer relationship has been dramatically worsened by this failure to pay.
I never missed one payment look at my track record To further cause insult, they reported to all 3 credit bureaus that I was a 30+ late payer After all I had to borrow to pay my employee while the bank worked on reversing the transaction and our trust built relationship is ruined.
Please reprimand this organization fir preying on weakened businesses that have barely been able to catch our breathe post mid pandemic.
I want them to fix the late pay. I paid them their {$1100.00} including late fee added XX/XX/XXXX. Should they have been able to change the contract repayment terms mid contract and report me as a bad payor as a result of their failure to refund me the $ $ the took two times in one month?
Should I suffer? Is this morally, ethically, or humanely decent?
|
| 01/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I took out two debt consolidation loans with Prosper Bank and paid timely on both loans, I reached out to them in XX/XX/2020 to see if they could lower my payments since collectively they were over {$1300.00} per month which was fine when I had a roommate, but they moved out due to loss of work in early XXXX. They told me that there was nothing that they would do for me at this point since both loans were in good standing. I was hired as an XX/XX/XXXX for the upcoming XX/XX/XXXX, and this was going to help me get through COVID since having another person move in during COVID was out of the question since I am considered at risk. Due to COVID, I was never scheduled for work with the XX/XX/XXXX XX/XX/XXXX. I called Prosper once again, and they told me that they would not help me, again since both loans were in good standing. I had been taking out payday loans, borrowed from my XXXX, and paid my other bills on my credit cards until XX/XX/2020, I stopped paying. I contacted them again and they offered me " a deal '' on one of the loans which was still not sustainable in the current environment, and the other they said that they couldn't do anything for me. That loan has been sent to collection now, and they are threatening to enter a judgement against me. I fully intended on repaying, but I do not have the means and they will not accept anything but the full amount of the payments at extremely high interest and carrying it over another year at the rate that they are charging would cost me thousands of dollars. Even though I contacted them, they still placed me with collections which is wrong!
|
| 06/01/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
- I opened a loan with Prosper in XX/XX/XXXX o Encountered financial hardship Fall XXXX due to rental property sale falling through / loss of tenant income had to remarket the property.
o I contacted Prosper via phone in XX/XX/XXXX ( while still current ) requesting an extension. The rep advised there were no option available & to call back once the loan went delinquent.
- Loan charged off XX/XX/XXXX, Prosper sold the loan to XXXX XXXX XXXX - XX/XX/XXXX I was contacted by XXXX XXXX, on behalf of XXXX XXXX XXXX. We agreed on a settlement, which I fully satisfied by XX/XX/XXXX as agreed - Prosper continues to report my account as Charged Off / Account Sold Transferred on all 3 major credit bureau reports o I disputed through XXXX, XXXX, and XXXX results have come back with no changes to the reporting, despite the fact I paid the account in full via settlement.
- XX/XX/XXXX I called the creditors XXXX # as listed on my XXXX credit report, explained the situation, thinking I was speaking with XXXX. Agent transferred the call & new agent said I was speaking with XXXX a company Id never heard of. That agent informed me that XXXX sold the loan to XXXX we outsource to a number of companies to assist with collection. I asked, What about XXXX XXXX, XXXX?, to which she replied, Oh, theyre probably one of our affiliates.
I have satisfied this debt in full, yet Prosper continues to report the account as 'charged off ' to all 3 major credit bureaus - no entity will take responsibility for updating my credit report to reflect the account as paid with no remaining balance.
|
| 05/21/2019 |
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
|
|
Web |
|
|
This complaint is regarding a violation of the Fair and Accurate Credit Transactions Act ( FACTA ) amendment in 2003 to the Fair Credit Reporting Act ( FCRA ) of 1970, in specific violation of the Red Flags Rule ( RFL ) of 2008 by Prosper Marketplace , Inc. in XXXX XXXX, California.
I was alerted by several different credit monitoring accounts that a hard inquiry had been made on my XXXX credit report by Prosper/XXXX on Sunday, XX/XX/2019. This wasn't a request for credit that I had made.
I called Prosper Marketplace, Inc. at the number listed on my XXXX report on Monday, XX/XX/2019.
I was given the run-around for several minutes while calling Prosper Marketplace, Inc. on XX/XX/2019. But the operator was eventually able to locate an approved loan application with my social security number and name.
The woman on the phone remarked to me that the application had the wrong birthday and address. This remark alone proves the RFL was violated.
I then was compelled to undertake an arduous and time-consuming process of obtaining a police report and submitting said police report to Prosper Marketplace, Inc. for the entity to request removal of said inquiry from my credit report. I went through this arduous process simply because I desired that this false and illegal inquiry, violating the RFL was removed expeditiously.
Prosper Marketplace, Inc. has willfully violated my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, specifically under the Red Flag Rule ( RFL ) of the Fair and Accurate Credit Transactions Act ( FACTA ) of 2003.
|
| 04/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Prosper Market was sent several documents including their copy of the 1099a for the total unpaid balance on or around XX/XX/21. Even after that payment I was sent an email confirming they received the tender of payment and documents and proceeded to try to induce me into a fraud by asking for a check. They went on to say that they would continue to take the payements out of my linked checking account until they received the payoff payment amount as promised. I responded to their email and I have yet to receive a response back. Under duress, I wrote Prosper Market a check, Paid to the Order of the United States Treasury. It wa n't until then that Prosper Market sent me an email stating that the balance was paid in full. Soon after my consumer report was updated with an ontime payment, and the following month the report stated that the balance was paid in full. I just recently checked my credit report and Prosper has furnished a negative remark on my consumer report in the form of a late payment without my consent. Additionally, no one from this company has reached out to me personally before accessing my personal consumer report which is identity theft. Prosper Market is committing fraud by trying to force me to pay off the loan in federal reserve notes when federal law states that federal reserve notes is simply a promise to pay. Therefore it is my right to tender commercial paper as payment, and credit their institution as well as it is my right to provide them with a receipt to show goods have been received. Both of which was done in XXXX
|
| 07/31/2017 |
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
|
|
Web |
Servicemember |
|
On X/XX/2017 I was on the Prosper site inquiring about a possible loan, # XXXX. The site offers a credit score ( rate ) check that will not affect the consumers credit score. It stated that a soft pull would be completed and not a hard pull. I am moving through the application not fully understanding that this was an actual credit application. No where on the site or statement did it say if you go any further a hard pull ( inquiry ) would be required. I later called customer service to ask before moving any further and was told I should expect that it would be a hard inquiry since it is credit related. I followed up by stating that no where did the application ask for authorization to pull my credit profile. Also, the customer representative telling me the truth in lending statement states a credit pull is necessary and then once he checks and he realizes that it does n't say a credit pull is required, then he states '' well you should have figured that out '' is an unacceptable business practice. My response to the rep is that most alternative loan sites do n't normally do hard pulls so you can not assume all consumers will understand that. It is also misleading because no where on the site does it inform the consumer that a hard inquiry is required to apply. I do not want a loan and was only researching rates and would like the credit pull removed from my XXXX XXXX profile. I should not be penalized because the site is not transparent. Lastly, why not be willing to help once you confirmed that the site is vague and confusing.
|
| 07/04/2023 |
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
|
|
Web |
|
|
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an unauthorized hard inquiry on my credit report. Upon reviewing my credit report, I discovered an inquiry made by XXXX on XX/XX/ 2021, which I have no knowledge or authorization of. This inquiry has negatively impacted my credit standing and violated my rights as a consumer.
The unauthorized hard inquiry by XXXX has raised serious concerns about the integrity of my personal credit information. I firmly believe that this inquiry is a violation of the following laws and regulations that protect consumers in such situations : Fair Credit Reporting Act ( FCRA ) - Section 1681b : This law governs the permissible purposes for obtaining and using consumer credit information. It stipulates that a creditor must have a legitimate business need and proper authorization to access a consumer 's credit report. The unauthorized inquiry by XXXX violates this provision.
Fair and Accurate Credit Transactions Act ( FACTA ) - Section 604 : This act provides consumers with the right to dispute inaccurate information on their credit reports. As the unauthorized hard inquiry is both inaccurate and unauthorized, it falls within the purview of this law.
Consumer Financial Protection Act ( XXXX ) - Section 1031 : This law empowers the Consumer Financial Protection Bureau to take action against entities that engage in unfair, deceptive, or abusive acts or practices. The unauthorized hard inquiry conducted by XXXX is a clear violation of this provision.
|
| 05/18/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Servicemember |
|
On XX/XX/2022, two payments were made on the account. One for {$8100.00} and another for {$8300.00}. This over-payment of {$8300.00} should have been refunded.
Please note : a {$5.00} fee was applied on the payment that should not have been.
After a refund was neither credited nor received, on XX/XX/2022, I contacted Prosper about the over-payment and was told by Prosper there would be a refund issued on XX/XX/2022 Further, I was told the refund should be received no later than XX/XX/2022.
On XX/XX/2022, I contacted Prosper about the status, as the refund was still outstanding. Again, I was assured that the refund was sent. The agent on the phone stated this would be investigated.
After there was no contact from Prosper about the matter, I contacted Prosper o n XX/XX/2022 requesting an update. No status was given and told again that the matter would be escalated.
On XX/XX/2022, I contacted Prosper for another update. Prosper claimed that a check was issued on XXXX to XXXX XXXX . After several hours of various calls to Prosper and XXXX XXXX XXXX, XXXX XXXX reported no record of a mailed check. Despite Prosper case numbers the follow-up on cases XXXX and XXXX, neither the requested check number, nor the mailing address for the refund check was ever provided.
On XX/XX/2022, received an email from Prosper stating We have not sent the check back to XXXX XXXX yet, but we are in the process of getting approval to send this check and we will provide you with all the information once we do have approval to do so.
|
| 04/09/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I got a loan through Prosper marketplace for {$19000.00} for debt consolidation and was making regular payments while I was working up until the pandemic hit where I was trying to negotiate with them to lower the payments because the payments were too high being {$650.00} and I was no longer working. I spoke to one of the reps and they said that they could not lower the payments but after the loan was past due I could take a settlement and get on a new payment plan where the payments would be lower but I paid the settlement and the total that was owed on the portal site did not go down for the {$12000.00} when I signed the settlement to pay half of that amount by making 3 payments one of which was {$5000.00} and {$680.00} and another payment of {$330.00} to pay what was in the settlement agreement. I looked on the site and my credit report and they are reporting that I owe the full {$19000.00} which tanked my credit XXXX points and I asked them to explain to me why if I made the payment on the settlement are you not changing the balance on the site from the {$12000.00} to reflect what has been paid. I get the runaround and nothing changes.
I need to get this straight so that my credit is not ruined because they are reporting incorrect information to the credit bureaus. The interest as of now is still going up on the amount owed and I am being reported as delinquent. I called and spoke to several reps the managers the collections department and I am getting nowhere and I need the resolved ASAP!
|
| 11/18/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
Prosper stated my monthly payment is {$200.00}. Prosper also stated enclosed it is {$330.00}.
XX/XX/2023 was the date of Debt validation request. By law, Prosper exceeded the FDCPA 30 day required time period substantially.
Prosper failed to maintain records, harassing me with repeated calls, reminders, emails, warnings, and incessant messages by text. Prosper did so while in parallel providing no response to my emails.
I maintain recordings of admissions that this occurred, emails- inbound and outbound- to verify the same.
Having made good faith efforts to resolve originally to find no congruent records of any agreement, I responded about this once. Prosper aggressively addressed this with a presumptive conclusion that I seek some " debt validation letter '', to which the records reflect is nonsensical.
This is further harassment, delay, and mischaracterization of amounts owed. Prosper has included a derogatory note against my creditworthiness without any notice of understanding. They have not explained nor been able to validate autodebits from my checking account, now in excess of {$800.00}.
They hang up all calls saying a resolution occurred. Never once has the actual resolution occurred. They have lied 100 % of the time, and this is not hyperbolic.
I can not be more clear on my requests.
Enclosed is the last communication from Prosper purporting that I owe some recurring monthly debt balance prior to agreement. This is fraud, deception, both, and harassment in my observation.
|
| 02/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
I received approval for a credit card from Prosper Marketplace , Inc. XX/XX/2022, and to this day XX/XX/2022 I have not been able to activate or use the card. I have called their support number XXXX at least 30 times and was able to reach a rep once who sounded like she was on mobile phone instead of a in a call center. I tried explaining my problem but she kept saying she could not hear me and eventually hung up, so I emailed them at support@prospercards.com on XX/XX/2022 hoping i would get some help and the response I got back on XX/XX/2022 was " Thank you for contacting Prosper. We apologize for the delayed response as well as for the extended hold times. We are experiencing increased call and email volume due to high demand. Please provide copies of your Social Security Card and driver 's license by replying to this email for further review and account updates. We will then reach out about the account findings and/or resolution when those details become available. Thank you for your cooperation.
For further questions or concerns, you may contact us at XXXX, M-F, XXXX XXXX - XXXX XXXX EST. Thank you and have a great day! '' So here I am a month in with a credit card I can't use and no one at this company will answer the phone and they want me to send a Social security card and driver 's license to them via email? Why I already have the card, but at this point I think it is just not worth it to have this card seeing all the hoops I have jumped through and still no resolution.
|
| 08/09/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
|
|
I signed up for text alerts with Prosper for f them to send me a text when my payment was five days before it was due. I also signed up for email that would tell me when my account would be due in five days. I did not receive an email and I did not receive a text. I was then alerted on XX/XX/XXXX at XXXX XXXX through an email that my bill was due. However, my bill was actually due on XX/XX/XXXX. This means I shouldve received an email on XX/XX/XXXX and a text on XX/XX/XXXX. I did not receive either. On the afternoon of XX/XX/XXXX at about XXXX XXXX I received a text and an email telling me that they lowered my credit limit from {$2500.00} to {$850.00}. I called immediately and asked what happened my credit score did not decrease and I did not owe a payment. They told me I did owe a payment, and I explained that I received no notification of this when I had signed up for all email and text communications. The lady I spoke with instructed to me that she was sorry there was nothing she could do. She indicated they would re-review the account within a year. I told her I could pay the minimum due, and would have had I known that it was due. I asked if there was any kind of grace period or if there was any thing they could do to help me out since I have been a loyal customer. She apologized and said no.
I am very frustrated with prosper, and disappointed that they would treat a customer with such little regard. Such a decrease in credit limit affects my credit significantly.
|
| 08/29/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
XXXX XXXX @ XXXX and she assured me that my autopay min XXXX for XX/XX/XXXX would come out on XX/XX/XXXX ( XXXX was a sunday ).
Recieved email the XXXX indicating that my payment was past due Called @ XXXX spoke with a rep who indicated I wasn't set up for Autopay. Transferred to supervisor XXXX and she said " You don't have a late fee, and no payment was due until XX/XX/XXXX. To which I replied that doesn't seem correct, a payment should have come out XX/XX/XXXX. XXXX assured me that no payment was due until XXXX.
Recieved an email indicating no late fee.
Recieved an email on XX/XX/XXXX that my payment was still past due.
Called and spoke with rep who Transferred me to XXXX XXXX, and she explained that bc I made my payment on XX/XX/XXXX ( stmt cycle ends on the XXXX ) that is why my payment didnt come iut as autopay on XX/XX/XXXX. I made a payment of XXXX today, and she assured me that my payment would come out on XX/XX/XXXX. I said " Hold on, I made my payment on XX/XX/XXXX, and my XXXX payment didn't come out, and I am making my payment XX/XX/XXXX, so with that logic it won't come out XX/XX/XXXX '' she said no it will. So if that is the case why didn't my XXXX payment come out?? She says that is different. Asked to speak with sup to which she says " No sup is available, I will have them call you back ''. I indicated I am still waiting for 3 sup calls from XXXX.
Either the reps don't know what they are doing or they are trying to get more fees...
|
| 05/04/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I am a XXXX XXXX in XXXX XXXX to XXXX XXXX . Today ( XX/XX/XXXX ) they sent out a generic email stating there was an account update and to log in to see it. Upon login, a small window opened saying that they had made an unspecified error in calculating returns and that our account should now show correct information. When I closed the window there was no way to view the message again and no further explanation to be found anywhere on the site. Prosper does not provide return calculations on their statements, so I have no way to show what the provided return was at any given point in time. However, I texted my father on XX/XX/XXXX that my return was 16.81 % as provided by Prosper. Upon logging in today, my return is shown as 9.42 % Prosper has been routi nely, and I suspect knowingly, overstating returns for years. At no point since I first invested in the platform in XXXX has my return been stated at or below 9.42 %, whereas Prosper 's restated returns show many years with a return under that amount. I follow the peer to peer investor community forums and I am not the only person experiencing this today, virtually everybody is reported returns restated to lower values. Finally, becaus e Prosper has r ecently removed the ability to sell notes on a secondary market, there is no way to liquidate my investments with them. I simply have to accept my new, lower returns and slowly pull money from the platform as time goes by.
|
| 04/17/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I applied for a loan with prosper last year for the amount of XXXX to do home remodeling.
After making all of my payments on time, I decided to change my payment due date because of the XXXX and XXXX XXXX unexpected expenses.
They agreed to change the date from XX/XX/XXXX to the XX/XX/XXXX the following month.
They errouniously took the payment out on the XX/XX/XXXX any way after we agreed to change the date to the XX/XX/XXXX.
The payment caused me to have to pay over draft fees that they refused to reimburse to me.
I eventually made my payment the next month and they would not waive the fees and they did no honor the skip a payment that we all agreed upon. I do have emails showing proof.
Therefore they sent my account to a collection agency when it was not ever 30 days past due.
By any rate I have still made my payments to prosper because I'm not late nor did I sign a contract with any other company.
As a way of getting back at me and causing me to have bad credit they did not debit the money from my account when I paid my bills on the XX/XX/XXXX and XX/XX/XXXX. on time. For the XXXX debit they took the money out 3 weeks later after I called them to find out what was going on.
When I checked my credit report they are reporting me as 30 days past due erroneously.
I tried several times calling and emailing them and they have not returned my call.
Please assist me in this matter because I feel that they are deceptive loan sharks.
|
| 11/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
Servicemember |
|
I opened a prosper account, was approved and sent a card. When I signed up I was told the annual fee would be waived for the first year with automatic payment and I linked my bank account info as well when I appplied. The first time I tried to use my card for XXXX my card was declined and restricted. I contacted customer service and was advised my account was restricted and they would send to internal team to review on XX/XX/XXXX, I call again XX/XX/XXXX and am told again still being reviewed. Here it is 11 days later and my account is still restricted and not able to be used and still being reviewed. On top of that I was charged a XXXX annual fee, even though I haven't ever been able to use the card. I explain this and am told the automatic payment was not set up right and they could set up and see if they could request a refund for annual fee. I ask for a XXXX, I'm told XXXX busy and asked to wait. I wait XXXX minutes and get a supervisor not a XXXX, I spoke with a Supervisor named XXXX who tells me same as previous and I ask for a XXXX and she says the managers just went off shift, XXXX that. I ask to hold for a XXXX and she stops speaking expecting me to hang up and I don't. Then I ask for corporate address and she tells me to hold, I'm on hold for XXXX minutes then she hangs up on me. This is poor service. How can you bill me when I was suppose to have no annual fee for the first year then on top of it haven't ever been able to use the card!!
|
| 08/08/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
My wife and I sought a {$35000.00} loan to assist with medical expenses. I'm the one who works, she stays home with the children. Right from the start, things went sideways. Instead of {$35000.00}, we only received {$32000.00}. I'm working full time, so I don't have the time to call Prosper. Anytime my wife called, she was put on hold for 10-15 minutes at a time, no matter what time of day it was. So we never got a clear answer about why this was, other than some vague story about the remaining {$3000.00} being applied to interest at the end or something. We then started making payments, which were due on the XXXX of each month, of about {$900.00} a month. I tried to get ahead on principal payments. They first told me that I could only make principal payments on the XXXX of each month, otherwise any payments I make would just go to the net months scheduled payment amount. Ok, fine. In the second week of XX/XX/2020, I made the {$900.00} payment and waited until XX/XX/XXXX to make a {$4000.00} principal payment. There's interest applied to both payments. What in the XXXX?! I called them up to find out the problem. THIS TIME they told me that anytime I make an early principal payment before the payment date, interest is taken out, and then new interest is due on the payment date. WHAT THE XXXX IS GOING ON HERE?! And then, after I seek clarification of these two different payment explanations, I'm put on hold for 15 minutes and then disconnected.
|
| 07/18/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
We were paying off the loan I looked at the web site I think it was XXXX - XXXX -17 to get the pay off which is an option on the payment screen. I mailed a check the next morning for that amount of {$14000.00}. I also sent an email to Prosper to let them know this was the pay off amount of that day, and on the check I wrote payoff amount on this date. They received the check on XXXX / XXXX /17 but still charge me {$31.00}. I then again sent a email XXXX / XXXX /17 and spoke with someone at customer service and she told me I need to pay this amount because it still charging interest. I payed this about and they would speak with their manager to get it refunded. On XXXX / XXXX /17 they sent me this email Prosper Client Services ( Prosper Marketplace Support ) ( XX/XX/XXXX , XXXX PDT Dear XXXX , Thank you for contacting Prosper.
Mailed in payments can take 7-10 business days to process. in addition, same day payoff quotes are valid only for same day. Therefore, a refund of the {$31.00} in interest will not be issued. As, there is no Prosper error.
If you need any additional information or have any additional needs, please reply to this email.
Thank you, Prosper Client Services ) In all the loan I have ever had when you request a payoff it is good for so many day at that amount without interest still collecting. I know it is not a big amount I guess it is the point they should honor payoff amounts.
Thank you hope you can help me
|
| 05/10/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This company continues to make multiple phone calls within a day. I've reported this to them on multiple occasions and asked that it cease. They respond with an apology and then they tell me how many times they " see '' that they've called, yet it doesn't stop. Most recently on the following dates and times this year : XX/XX/XXXX, XXXX XXXX ; XXXX XXXX, and XXXX XXXX On XX/XX/XXXX, XXXX XXXX, and XXXX XXXX On XX/XX/XXXX, XXXX XXXX and XXXX XXXX On XX/XX/XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX c.s.t. Generally, the first one/two calls they won't say anything and they disconnect the call and by the second/third call a collector is on the line and this goes on monthly. I've advised them that this is harrassment and they need to stop. I owe them approximately $ 3k inclusive of past due and late fees. I was paying on time until my car broke down twice in one week and other circumstances beyond my control causing a downward spiral pushing me further behind. I immediately contacted them asking for a payment program on multiple occasions to help me stay on track and they continuously refused assistance. They told me to pay what I could, which I was doing but at times a week after paying, here come the calls once again, and with the late fees and interest it became too much for me to handle. I continued to pay the minimum monthly payment which wasn't doing anything at all so they advised me on what they had to do as collectors.
|
| 09/19/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
|
|
Prior to XX/XX/2023, I contacted Prosper Credit Card about my financial situation, I was advised by the customer service representative that prosper does not have a program that will reduce interest rate or reduce payment even if it meant closing acct. I was taken a back a little because I have been able to do this with at least 4 of my credit card accounts with major banks. So, I accepted the response and it led to a payment being reported 30 days late to the credit bureaus very shortly after. I am a person that takes pride in paying responsibilities on time and this was a major overlook, however, Prosper didn't help make this situation any easier. I wasn't given any notification that I was falling into this status. Companies are aware how important credit scores are so if you have a customer that usually pays on time and then falls behind at least a courtesy call would be helpful. As soon as I was made aware of the missed payment, I paid it right away and brought the account current. I did reach out to the company for a goodwill adjustment to credit reporting and I was unfortunately declined. As a customer I am beyond furious as a consumer I feel unprotected because I did my due diligence, by making Proper aware of my financial situation and they had no compassion or remedy for me and that is scary when most companies have things in place. I am looking to severe ties with this company as soon as possible.
|
| 06/26/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
XX/XX/XXXX -- - DEAR CONSUMER FINANCIAL PROTECTION BUREAU, I AM WRITING THIS LETTER BECAUSE I AM IN NEED OF FINANCIAL ASSISTANCE AND I WAS REFERRED TO YOU BY MY REALTOR. I HAVE BEEN REPAYING A PERSONAL LOAN TO A COMPANY CALLED XXXX XXXX, XXXX. SINCE THE LOAN ORIGINATION IN XX/XX/XXXX. IN XX/XX/XXXX, I RECEIVED A RENTAL RATE INCREASE BY $ XXXX/MONTH WHERE MY FAMILY AND I WERE RESIDING, MAKING MY LOAN PAYMENT TO PROSPER DIFFICULT, WHICH IS {$700.00}. I RESORTED TO MAKING PARTIAL PAYMENTS EACH MONTH TO PROSPER, WHICH CAUSED ME TO INCUR LATE FEES EACH MONTH. UP UNTIL LAST MONTH ( XX/XX/XXXX ) I HAVE NOT BEEN ABLE TO CATCH UP BUT CONTINUING TO PAY PARTIAL PAYMENTS. I HAVE REQUESTED THROUGH PROSPER A REDUCED MONTHLY PAYMENT AMOUNT SO THAT I CAN SALVAGE MY CREDIT RATING. MY WIFE AND I RECENTLY PURCHASED A HOME THROUGH VA AND WE ARE CONSIDERING A REFINANCE AND POSSIBLE CASH OUT OPTION, SO WE CAN PAY PROSPER OFF ( A LITTLE OVER $ XXXX ). PROSPER TOLD ME THAT THEY WOULD NOT REPORT ME TO THE CREDIT BUREAU AS LATE AS LONG AS I WAS MAKING AN EFFORT TO PAY. THEY REPORTED ME TO THE CREDIT BUREAU ANYWAY. I DONT KNOW WHAT ASSISTANCE YOU CAN OFFER, BUT ASSISTANCE WOULD BE GREATLY APPRECIATED. I AM A XXXX MILITARY VETERAN WHO IS JUST TRYING TO KEEP A ROOF OVER MY FAMILYS HEAD. I AM OPEN TO ANY SUGGESTIONS TO SALVAGE MY CREDIT RATING SO THAT I CAN PAY PROSPER OFF.
RESPECTFULLY YOURS AND KIND REGARDS THANK YOU.
|
| 09/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/XXXX, I was staying at XXXX XXXX XXXX and even though they already had a card on file, they asked for another card to put a {$10.00} charge on just in case I did something to my room. I then noticed on XX/XX/XXXX that they charged my Prosper card for the room rather than the card on file resulting in a {$380.00} charge being put on my Prosper card. I immediately went to the front desk to have it sorted out and the front desk switched the {$380.00} charge to the card that was on file and gave me a receipt of this transaction as proof. They then told me that my Prosper card would have the charge released when I check out on Saturday, XX/XX/XXXX, and, after checking out, I did see that the charge was taken off my Prosper card and I was able to use my card on Saturday. I was able to make two charges on my Prosper card on that day. However, on Monday, I noticed that my card was declined for a cup of coffee and when I checked my Prosper account again, I saw that the {$380.00} charge was back on my account and was recorded as 'pending. ' It's been several days and I have spoken to customer service as well as filed a dispute of this charge as well as made sure to include my receipt in my dispute claim. This charge brings my card over its balance and I'm concerned that they may be engaging in fraudulent behavior in order to charge me extra fees when it comes time for me to pay my bill.
|
| 05/19/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
I 'm returning under OMB # XXXX . The interest rate charges were not explained properly and do n't give the consumer the right information to make a true informed decision to go ahead with accepting an approval from Prosper. Had I known that the interest rates would be 60 % of the monthly installment, I would have never enter into this contract.
See the attach for payment history and interest rates. This is unethical for an American, unless it is a mortgage payment. I cant for the life of me, believe that our federal system would allow a company in America t o XXXX Americans financially as Prosper is doing. Granted, people need help at certain times, but that help should n't come back and sting us to death. The reason for loans is to help revive us, not kill us. Prosper is trying to kill us financially. The 25 % interest rate is not the problem, the problem stems from how it is applied. From the inception on XXXX / XXXX / XXXX of this {$10000.00} loan until XXXX / XXXX / XXXX , I have paid {$13000.00}. This would be {$3700.00} in interest within such a short period of time. This should not be allowed by our country. I 'm asking that you stop this practice. It is fortunate that I am able to pay this off before the full term of the loan. If Proper 's practice is not corrected, I will mention my loan experiences that include s Prosper on social media and the newspapers.
|
| 12/03/2022 |
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
|
|
Web |
Servicemember |
|
I reported fraud on my acct on XX/XX/XXXX. There were out of state transactions as well as transactions from over XXXX miles away. They gave me a temporary credit and then on XX/XX/XXXX I received a call from a XXXX asking to call them back. I called them back and the voicemail box was full. About a week later I received a letter in the mail stating that XXXX from Tops were valid and I never even reported a Tops on my fraud claim. I was also sent XXXX of the same credit card and I lost XXXX of the cards that's why I reported it immediately. I am now responsible for purchases on my acct that I did not do nor was I in that state. In fact, I made a post on XXXX that same day with my daughter as we were out to dinner with family in the town I currently reside in. On top of that, I have called on XX/XX/XXXX, XX/XX/XXXX, XXXX. I also sent a request via Fax on XX/XX/XXXX. I can't leave a voicemail for my representative because the mailbox is full and no one is sending me information that I requested nor resolving my claim. Now there is an overdraft on my credit card acct. I reached out to some of the merchants myself and they have never seen me or know anything about the issue which means they were never contacted by this company asking for information. I have proof of the XXXX cards sent as I have pictures because I thought it was bizarre they would send XXXX of the same card. Why?
|
| 08/11/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
On XX/XX/2023, I applied for a personal loan of {$9000.00} at 28.90 % APR by Prosper. I was instructed to submit a utility bill. I then submitted a internet bill which was mistakenly in XXXX instead of XXXX. My documents were denied and my account was closed sent to me by an automatic no-reply email with no explanation. I was not once called or emailed by a real human to explain to me why this happened. On XX/XX/2023 I called Prosper and was told I would be able to resubmit the internet bill and have my account reinstated. Throughout this time, I had kept calling and different agents kept telling me that there was nothing they could do and they had no idea who would be able to help me with this. Finally, an agent told me if I reapplied I would be able to approve a new loan. So I did exactly that but the Prosper website wouldn't let me accept the loan because I already had an account under a different email address. Early this week I called and the agent helping me told me they would email me with next steps on what to do. I have received nothing. Prosper is not allowing me to resubmit documents nor are they allowing me to submit a new loan request under the same hard inquiry on my report. At this point, I keep receiving automated emails about my new loan request that has been approved but I am not able to accept it because of my older account that was closed.
|
| 07/10/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Prosper does not offer any deferment options for actual life events.
I recently experienced a death in my family and when i became apparent to me i would not be able to make a payment i called prosper to request a deferment l, i offered to send documents of funeral arrangements to prove i was not lying and my relationship to the deceased.
Payment are due on the XXXX of every month XXXX XXXX i was told to call back the day after the payment was due. To make a payment arrangements but nothing could be done ahead of time.
XXXX The 2nd time I called exactly as i was told and they told me actually no such options are avaliable and a payment reduction isnt even an options til you are 15 days late..
Now i receive calls twice a day to remind me the payment that i am not able to make, is due. It is unbelievable that prosper chooses to ignore life events such as deaths in the family they are unplanned! As if I'm not grieving and dealing with enough. i can now look forward to their harassment about a situation i tried to address and avoid..
The representative are nice enough i understand it is company policy but to be so rigid is disheartening. Most lenders offer deferment options for situations like this, i have never missed a payment before and its a XXXX shame that this is the situation prosper has led us to due to inhuman " company policy ''.
|
| 10/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Prosper said that one use there pre- approval form to see if they will be approved for a loan or not before they apply for a loan. I did the application online and was pre-approved {$28000.00}. To make sure that this was correct I called in and spoke with an agent and re do the application over the phone. She once again told me that I was pre- approved for {$28000.00}. I even got an email from the agent stating that the funds would be deposited in my account within 1 to 4 days. I then checked my email and I saw an email from prosper stating that they were no longer going to give me the loan because they were unable to verify me. This sounds like rubbish to me. They pre- approved and then sent me a letter stating that they were not able to verify me so they cant give me the loan. I proceed with the hard pull on my credit report based on the fact that Proper 's agent said that the I was pre- approved for the loan. There is now a hard inquiry on my XXXX credit report from Prosper and I want it removed immediately as Prosper lied to me that I was approved for the loan and then cancel the loan application after the agent t said every thing was good.
I never would have proceed with the loan application if the prosper agent never said that I was pre- approved for the loan. Kindly remove prosper hard inquiry from my credit report immediately.
|
| 05/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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I entered into a written settlement agreement with Prosper and satisfied the terms of the settlement agreement. The settlement agreement ( copy attached along with other correspondence ) clearly specifies that Prosper " shall notify the credit reporting agencies that it reports to that Borrower 's account has been settled in full ''.
Prosper is instead reporting my account as " settled for less than the full balance '' which is considered a derogatory account on my credit.
I have exchanged numerous emails with Prosper and Prosper is now claiming when a settlement is completed, there is only one credit reporting update that is sent to the credit bureaus which states the loan has been settled. The credit bureaus display this reporting as settled less than the full balance.
This not what is stated in the written settlement agreement. If this was the case then Prosper should have disclosed the following language in the settlement agreement : " You confirm your understanding that the credit reporting agency will reflect your account as " settled for less than the full balance ''.
This significantly impacted my credit score and has delayed me refinancing my home and rates have increase by 1.5 % since this was reported in XXXX.
This needs to be brought to light as there are likely hundreds of folks like me who have been misled.
|
| 03/25/2020 |
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
- Problem with personal statement of dispute
|
|
Web |
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On XX/XX/XXXX, I submitted loan application documents at the request of personal who contacted me from Prosper services. I realized that my name was not correct on the loan, it was XXXX, my former legal name. My new name was XXXX, and I forwarded the appropriate court documents and drivers license to verify. I was verbally told by phone that I was approved and that I should submit these documents and confirm my application online. Upon submitting everything, I received a call on the morning of XX/XX/XXXX, confirming yet again that I had been approved. I logged into my account after receiving an email stating that I had an update. Upon logging in I was notified my account had been suspended and my loan was cancelled. The message read : Unable to verify identity, employment, credit history, income or other information on the application.This is impossible as I had provided all necessary information and documentation to Prosper.I called back and was told " sorry, and to reapply in 90 days, '' as this was unacceptable I asked to speak to a supervisor. His name was XXXX, and he told me this would be forwarded to investigation services for their review. They are no refusing to answer my calls and update me on the investigation, meanwhile a hard credit exists without any reasonable answer as to why they cancelled my loan request.
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| 02/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
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Web |
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|
Prosper has engaged in repeated harassing calls in spite of both being informed verbally on XX/XX/XXXX that it was considered harassment and to stop calling, and with written notice, which they acknowledged receipt of, via email. Their behavior is exactly why the Debt Collection Rule, effective XX/XX/XXXX was put into place and they were informed of such fact on XX/XX/XXXX.
My current phone log only goes back to XX/XX/XXXX, but shows a total of 110 violations of the following rules : " The debt collector is presumed to violate the law if they place a telephone call to you about a particular debt More than seven times within a seven-day period, or Within seven days after engaging in a telephone conversation with you about the particular debt. '' Prosper averages 4 calls PER DAY, with few exceptions. The call log and counted rule violations are in the attached spreadsheet, along with screenshots from my call log which show 383 calls being placed over the aforementioned timeframe.
Prosper was directly informed via email to cease phone communications and have someone from their settlements department contact me via email, directly, on XX/XX/XXXX and receipt was acknowledged by Prosper on XX/XX/XXXX. Prosper has no interest in solving this matter, but instead opts to engage in a flurry of debilitating and harassing calls.
|
| 12/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
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Due to Covid I was laid off and fell behind on a personal loan with Prosper in the amount of $ XXXX. I tried numerous times to work out an agreement with Prosper due to my unemployment circumstances. However, their method of providing assistance was granting a 3mth forbearance which included my monthly payments being higher once the forbearance ended. Needless to say I declined the assistance as it predatory and it would only put me further in the hole with them. My load ended up being delinquent and they turned it over to XXXX XXXX XXXX. I worked out a settlement with XXXX for $ XXXX with the agreement of a letter sent from XXXX stating the account has been settled/satisfied for the agreed amount and closed with zero balance. I had to follow-up on three separate occasions for the letter and once I received the letter it stated the opposite with me still owing a balance of {$5500.00} and not reflecting account as closed and updated to the all three credit bureaus. I call XXXX and spoke with XXXX XXXX XXXX. informing her the letter in question was not correct as it has incorrect information from what was agreed upon at time of settlement. XXXX XXXX stated the letter was drafted by their legal team and was correct. I'm filing a complaint with the AG 's office for unfair and deceptive practices by XXXX Collection Agency.
|
| 01/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
|
|
Web |
Servicemember |
|
XXXX XXXX Bank, XXXX Prosper Market Place ( Prosper ), has violated the Fair Credit Billing Act.
First, Prosper never sent my card in the mail. Several calls to the company in XXXX and XX/XX/2022 yielded no results. Prosper would always state they were not aware that the card hadn't shipped. So, not having a card available created a problem when I needed access to the credit line, so I decided to close the account. I would make payments whenever I could call in and had time for the XXXX hour hold time. I had contacted Prosper several times afterwards asking for a way to make the payments online and the company refuse to. Of note, Prosper did not report my payments to the XXXX credit bureaus. On XX/XX/2022, I received an alert from my credit monitoring service that a " new '' account had been reported as delinquent - causing a negative impact to my credit score.
Prosper has violated the Fair Credit Billing Act, 1666 ( a ) ( ii ), ( b ) ( 6 ) and ( d ) by failing to properly investigate my e-mailed complaints and requests, failing to transmit billing statements and restricting my ability to pay the remaining balance after reporting issues with never receiving the card and questioning the amount owed.
I request the CFPB launch an investigation into the business practices of this company and hold them accountable.
|
| 06/09/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
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Good Day : In XXXX of 2016, I went to Prosper online site to see if I can obtain a loan for {$5000.00}. I was approved for the loan and checked the box agreeing to the terms and condition of the loan ; however, when I found out that the fee for obtaining the loan was 4 % of {$5000.00} = {$200.00}, I did not want to pay an upfront fee to obtain the loan and exited from the website.
I did not submit the loan application. After about 2 days, I was informed through my email that the check will be sent to my bank account. I called the customer service office immediately and informed them that I did not submit the loan application and that I was not interested to obtain any loan from them and that they should stop the transfer of the money to my account.
I was told that they can not stop the money to my account and that I can return the money once it is in my account and I did as instructed. Now, prosper has been calling me that I owed them about {$160.00} for the month of XXXX 2016 and may be other amount for subsequent months.
I have called the customer service office several times and it seems that they can not resolve this issue. Please be informed that Prosper did not request for any proof of employment or documentation showing the ability to pay the loan in violation of federal lending rules.
Thank you
|
| 06/21/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
|
I got a approved for a credit card through Prosper Marketplace - I ran it up, and do admit to owing what I had charged. Somehow I missed a payment and the charges added were what they were ( honestly don't remember )- I received several phone calls from them requesting payment - when I finally answered them it was the day before the next payment was due - the woman told me what I needed to pay in order for me to be brought current ( it was around {$170.00} ) - for which I immediately made payment online. I was under the impression this would bring me current to include the payment that was due ( the next day )- well, I learned a month later after missing another payment that there was another hefty payment due - my issue is, they won't work with you. They are hard to understand on the phone many times- they call and call and call you, alot of times on piggy back phone numbers ( spam - other caller id 's ) and I got frustrated with them and stopped answering as what they were doing to me is very close to the definition of harrassment - THEY JUST KEPT ADDING FEES - At this point I refuse to deal with them unless there is another party involved- I believe CFPB is their regulator thus why I am reporting - believe me, they already reported this on my credit which of course have sent ripples to my credit scores.
|
| 10/17/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
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|
On XXXX XXXX, XXXX my installment loan with XXXX was paid in full with a check from XXXX XXXX XXXX. The payoff was lower than the check amount in the neighborhood of {$1200.00}. After contacting XXXX on XXXX XXXX, XXXX to ask about the refund, the customer service department explained that it could take up to 10 days to receive the refund back to the checking account they had on file for the loan. He assured me that the refund would be in my account by XXXX XXXX, XXXX. I have not seen the refund to date ( XXXX/XXXX/XXXX ) and spoke to a supervisor at XXXX today. I have been told the refund will take up to 20 days, and that she can not confirm any future date of deposit. I then requested to speak with her supervisor and was told that they do not have a direct line or phone number I can call, but that I must wait to hear back from them via email. I now have no idea when I will receive my refund, and I am incurring late fees and late payment reports on the credit cards this money was earmarked to pay.
XXXX is exercising control over my property which is in essence theft. They are also making interest on my money which is considered fraud. I think the only remedy would be to pay the money they owe me immediately along with interest and late fees just like they would demand from me if I refused to pay them.
|
| 09/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681 section604 a section 2 " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies do not have my consent to furnish my information and they do not have my written consent.15 USC 6802 ( b ) ( c ) I do not consent and revoke any and all verbal, non-verbal, written, implied, all assumptions to disclose nonpublic personal information to a nonaffiliated third party " 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.
|
| 02/08/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
Greetings!
I applied for a small business loan with Prosper XXXX for {$15000.00} which was approved in XX/XX/2015 with a simple interest rate of 12.59 % per annum for 5 years [ as mentioned in the promissory note ] but my bank account was funded for only {$14000.00} and the APR on the lending statement is showing as 14.89 %.
To compound my worst fears the interest that I have paid as of the date of this online complaint is {$1600.00} excluding the loan processing fee of over {$700.00} deducted from my checking account in XX/XX/2015
My several several phone calls to prosper customer service resulted in their staff giving me extremely rude and reckless answers like : " I dont know '' " I dont have that info '' " Are you a religious worker '' " We made most money from your first month 's payments '' " The interest is charged on a daily basis and the APR computed changes every day '' " The interest and fees change from day to day '' When I did the Math from my side the interest and fees paid to Prosper XXXX is way higher than the fixed monthly payments and the fixed interest rate that was assured to me via phone calls during the application process!!!
I urge the CFPB to investigate this fraudulent loan and all the Prosper XXXX employees involved in this transaction.
Many Thanks for your time and
|
| 01/10/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
On XX/XX/XXXX my bank ( XXXXXXXX XXXX XXXX ) sent a payoff check to Prosper Marketplace on my behalf in the amount of {$22000.00} which was the balance shown on my credit report due to extremely slow updating by Prosper Marketplace. The check amount was greater than the amount owed on my loan. When I called Prosper Marketplace on XX/XX/XXXX to inquire why my payoff had not yet been applied to my account I was told by the agent that the creditor ( Prosper Marketplace ) has refused to post the check to payoff my account and cited it was an overpayment and was rejected. They have also stated they still have the check in their possession and will not be returning it to myself or my bank and that a new check needed to be sent to them for the correct payoff amount. My bank ( XXXX XXXX XXXX ) is stating there is nothing they can do until the check is retuned to them by Prosper Marketplace. Meanwhile I still have an open loan with Prosper Marketplace that is accruing interest and requiring monthly payments as well as an open loan with XXXXXXXX XXXX XXXX that is also accruing interest and requiring monthly payments and neither company wants to take responsibility for the {$22000.00} that is just out there that I have am being held responsible for payment of but have not received any benefit of the funds.
|
| 07/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Prosper Bank stated they're aware of me filing XXXX XXXX. However, the bank is now charging additional fees while in active bankruptcy violating my federal laws creditor protection of automatic stay. namely section 524 of Title 11 of the United States Code. This is otherwise known as a bankruptcy discharge violation.Prosper is now adding additional fees while in active bankruptcy which is in violation of my federal rights. Prosper can not collect on a debt or charge any additional fees. This place of business needs proper training. I demand that Prosper removes any fee before or after bankruptcy immediately or I will file an injunction with the court. They're consistently violating my rights.
" Section 524 of Title 11 of the United States Code. This is otherwise known as a bankruptcy discharge violation. '' Here 's prosper response ; XXXX XXXX, Prosper apologizes for any confusion this may have caused. On XX/XX/2023, Prosper waived the {$40.00} late fee and accrued interest in the amount of {$36.00} that incurred after the date of the bankruptcy filing. Prosper appreciates the opportunity to respond and hopes this clarifies and resolves the issue.
MONETARY RELIEF AMOUNT {$76.00} How can I accumulate late fees while in bankruptcy? Or any additional fees.
Remove all charges immediately.
|
| 04/08/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
|
|
This is XXXX XXXX.i was searching onling for personL loan company to fix my credit, a pany contactes me afternoon XX/XX/XXXX claimes their name is ( Prosper Llc ) and they staftes the process throuvh phone call to deposit {$2000.00} .00 thwn they asked for my user name and password for my bank account ( XXXX ) i refused bit they convinsed me for a security reason.in few hours i got the XXXX at my account .they told me to withdraw fhe money and send it by Bitcoins.i went to XXXX to use the Atm of Bitcoin.i have all reciepts.untill that moment i dis n't know it was the bank money by Claims..this morning XX/XX/XXXX at XXXX am i recieved a phone call from the company telling me that they deposied another XXXX XXXX and i have to send it back by Bitcoins.i realised theres something wrong is going on..i checked my bank transaction and it turns to be that they usesy account and claimed for the above mentioned money..it means it was not deposited by them.i contactes XXXX XXXX..my account is gona be minus..i don't have this money and they need a police report.below is the name of the person, phone number and emails andif its possible i can submit all other socuments.
XXXX XXXX XXXX XXXX They also threaten me to send more moneys but when they knew that i realized its fraud they dissapered
|
| 11/02/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I applied for this card with Prosper ( ending XXXX ) in XXXX of XXXX. The annual fee was waived for one year, I used this card for one charge in XXXX of XXXX. The card required autopay which I setup at the time of application. I never used the card after. On XX/XX/XXXX I called to cancel the account since I acquired a card at a much more favorable interest rate. Fast forward to XXXX of XXXX, I see the account has a balance of {$39.00}. I immediately contacted Prosper to inquire why there was a balance and open. I was advised the waiver request would be submitted and the account would be closed as it hadnt been previously. I was advised the account was closed and a request to waive was submitted. Today, XX/XX/XXXX, I contacted for a status since I have not heard anything. I am advised no waiver was submitted and that likely it would not be, quoting terms and conditions. I have been nice to this point as long as its waivedand closed its not a big deal, now Im being told I may be responsible for the fee as a result of the account not being closed in XXXX when I requested it.
I am looking for the CFPB to intervene on my behalf. I believe something unfair and deceptive is going on. I suspect there are other complaints similar to mine with other former cardholders. Please investigate!
|
| 03/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Fraud / Identity Theft XXXX Accounts opened fraudulently XXXX XXXX ( Personal unsecured Loans ) # XXXX. {$15000.00} Opened on XX/XX/2022 # XXXX. {$12000.00} Opened on XXXX XXXX XXXX XXXXXXXX ( fraud dept ) : spoke XXXX XXXX **** was emailed that inquiries and loans would be removed from my credit reports but to date is false **** requested ip addresses used to apply online and no response ***** told that loans were approved fully online and nobody physically reviewed the application nor verified the identity.
**** perpetrator used a made up email address and no idea how they were able to obtain approval and funding **** perpetrator used a google voice phone number that is not mine XXXX # XXXX. Prosper Marketplace Opened XX/XX/2022 {$9000.00} *** received XXXX emails each asking me to provide time consuming paperwork and put an unreasonable time frame for them to receive or else they would validate the debt *** have not provided any information regarding how the loan was obtained, information provided, etc.
**** called customer service multiple times and they were unable and did not have a number to the fraud department ***** to date. Co has refused to provide any documentation on information utilized to gain approval and funding XXXX XXXX # XXXX Security freeze Conf # XXXX
|
| 03/25/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I spoke with an employee on ticket number XXXX, asking them to push back my loan for 30 or 60 days because I had to close my XXXX down in XXXX do to the state telling us do to the covid-`9 pandemic. The employee from prosper told that she is only allow to push it back a month and I would be charge a late fee or interest. So I told them that was perfect. I then received an email from them saying the following.
Thank you for reaching out to prosper to ask about financial relief during the recent covid 19 pandemic your loan payment due date will be moved forward by one month. We want to assure you that you that you are not being asked to make a double payment on your next payment due date. You have the full lenght of your loan term to make the payment that was due in the month. However please note that you are still responsible for making that loan payment satisfy the loan balance by the maturity date and that interest will continue to accrue daily in accordance with the terms of your promissory note.
So when I called back and told them that the state said they can not charge you interest they said that's only for business and not personal which is not right and I cant offred it at this time and it will be going on deliquesce because I can't pay it do to the shut down
|
| 05/05/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
Yesterday XXXX, 2022 I received a call from a man from XXXX XXXX Telephone # XXXX. Told me I was approved for up {$7000.00}. Asked to borrow {$5000.00}.
He asked for my bank ID and pass code, gave him that info and received a bank verification code from the bank, gave him the code and was told the money will be deposited into my account 1st with verification funds that I was to return to prove my account was legit, after which time I would get {$5000.00} into my account. Called back was told he needed my debit card info in case the funds was not available in my bank account. Gave that info to him out of desperation. Was called back again with a request for my debit card pin. Prior to this was asked to check my account balance, well I called the bank to find out my balance and was immediately connected to the fraud department and was told some accessed my bank account via I phone, and was instructed by the bank to change my online ID and passcode. Now that that's done, I would like to report a fraudulent loan company out here scamming hard working Americans out our hard earned dollars, living in poverty and homeless. Please help put these robbers behind bars where they belong. Such Animals should not be on the loose with their scandalous behavior.
Thank you kindly
|
| 03/24/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
I recently took out a HELOC on my house and used part of the loan to payoff my installment loan with Prosper. The payoff was overpaid by {$110.00} to Prosper.com, so I asked Prosper for a refund. Prosper says I still owe them {$130.00} and will not close my account and is continuing to charge me interest. I 'm afraid Prosper is going to charge me late fees and ruin my credit because they wo n't honor the payoff statement they sent me.
I almost lost my rate lock because Prosper would n't provide a payoff statement to the new lender. I had to call repeatedly over a few weeks, and was always promised a statement would follow in 2-3 days from their finance department. It was n't until I filed a complaint with the BBB that I finally received my payoff statement.
Now that I am having issues again with their customer service it has fallen back into the same cycle of them saying they need to send the issue to their finance department and will be in touch in 2-3 days. I filed another complaint with the BBB, but no response this time.
They are ignoring my issue and trying to bully me into submission by holding my money and credit hostage! It is n't right! I 'm on hold for hours with their customer service and having to dig for viable remedies to get them to act.
|
| 03/13/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
Servicemember |
|
I applied for a 36 month installment loan from XXXX XXXX on XX/XX/XXXX. After submitting the data requested I was approved for a loan up to {$12000.00}. I requested {$7000.00} and supplied the documents requested for proof of income. Two days later I received an email stating I should call because they had a few more questions. I made the call, spoke to them over the phone and was informed that everything was good and the loan was approved. I completed the final paperwork including the Truth in Lending Statement agreeing to pay them {$230.00} per month for 36 months with a APR of 12.99 %. They said I would get an email confirmation in 24-48 hours and the money would be deposited in 2-4 business days. That didnt happen so I called back and they said I had been misinformed by their representative and they would need more information. I asked them why was that necessary when I already signed a promissory agreement to pay the amount borrowed and that as I understood it being a mutually verified contract. They refused to honor the agreement when I called on XX/XX/XXXX at XXXX EST. I want them to honor the contract I signed with them. If there was a mistake it was on their end and does not forgo their legal obligation to abide by the contract presented by them.
|
| 02/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. Best regards, I remain
|
| 11/10/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
My account met maturity on XX/XX/XXXX. Due to a program for XXXX relief, there was a large balance due. An employee with Prosper called with a plan to pay down the balance and avoiding any negative information sent to the credit bureaus. I agree and set up 4 monthly payments to settle the balance paid on by a certain date in order to keep the account current, allowing no negative information to be submitted.
The next day another employee with Prosper called with an option to settle the account in XXXX payment instead of the agreed upon plan the day before. I told the Prosper employee I rather keep what I agreed to.
After making XXXX of the XXXX payments as scheduled, auto bank transfers, I get an alert from my credit monitoring service that I was 60 days behind. This must be a mistake, I called Prosper about this and was told they were at fault for by a mistake made by them and that the terms I agreed to were null and void and that they would not remove the negative reporting. Prosper acknowledges they made multiple mistakes, including offering me a refund of my payments and still refuse to fix the problem that they have caused. I have called multiple time today on XX/XX/XXXX only to be purposely disconnected while on hold to speak to someone.
|
| 07/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
we received a new prosper credit card in XXXX and promptly registered the account for online access and added 2 checking accounts to make payments from.
When the first statement was received in XXXX we tried to make payment online but it did not work as we received a error message that payment could not be processed and to try again later.
We tried 2 accounts and different web browsers with the same result and subsequent re tries also failed.
We next downloaded the app and tried but it did not work either, we send 2 emails to customer service with no response and were unsuccessful calling the number to reach a agent.
The problem persisted with the next stratement in XXXX, we send additional emails with once again no response, we tried calling again and finally got a hold of agent who told us the account was in collection and we had to pay the full balance by giving them a bank account number over the phone.
i explained to them that we tried to make payments but due to their system not working were unable to and she acknowledged that their system showed various payment attempts since XX/XX/XXXX but told us there was nothing she could do.
i feel like i am being defrauded by this company as they are unwilling to resolve a problem they caused
|
| 07/21/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
On XX/XX/2023, I received a message/alert on my phone that my credit card was reported stolen and the card was closed. I did not report my card as stolen as it was safely in my wallet and hadn't moved. I called the company same day ( Prosper ) to report the incident as a mistake/error in their system and asked for my card to be reactivated. They said they would and to give it 7-10 days. Nothing happened, my card was still showing closed. I called back weekly, every time I was told they were escalating the issue and they would re-open the card. Nothing happened. XXXX came and went. XXXX I saw that they completely removed the CC from my online portal. It said I had no cards with them. I called again the first week in XXXX and asked what to do to find a solution? They said they would re-issue a new CC and mail it to me in XXXX days. It's XX/XX/XXXX and still no card showing online and nothing came in the mail. I called today and they said no replacement card was ever ordered and I need to process a replacement all over again. It's been almost 2 months with no resolution in sight and I'm at a loss with what to do? I haven't been able to use my credit line and I never did anything wrong. The card was paid off and in good standings. Please help.
|
| 10/17/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I fell behind on payments in XX/XX/XXXX. I spoke with rep and was told I need to make 3 consecutive payments to qualify for an extension. I struggled to make 3, the 3rd payment was late so I had to start over in XX/XX/XXXX. XX/XX/XXXXI spoke with rep and made arrang8to pay by XX/XX/XXXX. I made the payments as scheduled. The XX/XX/XXXX rep said as long as I paid under 120 days I would not have a charge off. For my 3rd payment arrangement I spoke to rep and gave a promise to pay 3rd payment between XX/XX/XXXX. I called XX/XX/XXXX to make 3rd payment with the rep with a new checking but the rep said the system was down. I waited 20 min and I was transferred to XXXX XXXX. She also said computer issues and asked me hold. I was on lunch break so I said I would call back. I Confirmed I was still in the window to qualify she said yes. I called back XX/XX/XXXX was told charge off. I requested investigation of recorded calls. It had been 2 weeks no answer. I spoke to XXXX manager, XX/XX/XXXX to learn they were having tech issues for recordings and there was delay. XX/XX/XXXX I received email stating the charge off was correct. The rep did not tell me XX/XX/XXXX would have been too late. Their system issue prevented processing of on time payment.
|
| 07/27/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Servicemember |
|
I received an e-mail on XXXX/XXXX/2017 with an actual loan approval contract indicating that I was approved for an {$8000.00} loan with Prosper. I called the number on the contract and I was told that I had been approved and that they needed more information before the monies would be deposited in my bank account. I was hesitant because I had been denied by various other lenders for a loan because of poor credit. The number that I called was the number that was on the loan agreement.. ( XXXX ) XXXX. They told me that they were based in Florida and that the Corporate headquarters was in XXXX XXXX. I told them that I would get back to them and that I had not made the decision to accept the loan at that time. I went on the internet and looked at the Prosper website. On the website Prosper had XXXX number not a XXXX number and I called the XXXX number. Prosper told me that they had not approved me for a loan and that most likely this was fraudulent. I told Prosper that their Company name was being used to create fake loans obviously. As it stands, I have not signed the contract. The folks at the XXXX call my number 5-6 times a day and leaving messages. They are constantly harassing me. I have attached a copy of the loan agreement from them
|
| 02/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
I initiated a balance transfer with my XXXX credit card to transfer from my Prosper credit card to the XXXX card in XX/XX/XXXX. The transfer posted to my XXXX card XX/XX/XXXX and was advised to allow 8 days for everything to reflect on my Prosper account balance. I emailed Prosper services on XXXX to confirm that they received the balance transfer initiation from XXXX and get an estimate of when my balance would reflect the deduction. I still have not heard back from Prosper regarding my inquiry.
Called several times to have reps say they dont have anything in their system showing a pending balance transfer. Finally call back today XX/XX/XXXX to have them say the same thing. I did not accept that response and asked more questions because now it appears I have more credit card than I actually do which in turn also results in lower credit ratings. The reps inform me that although they dont see a balance transfer request, they dont allow transferring balances to other cards. Shock to me as Ive read through my terms and conditions more than once and nothing states they dont allow balance transfers. She insisted that its showing in her terms and she cant help me any further. Prosper has many shady financial and reporting practices.
|
| 03/05/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
Prosper took payments out of my on XX/XX/XXXX for which I did not agree to. The payment was for {$71.00}. This payment was on auto pay and of which was to be expired immediately after my XXXX payment. Prosper has received payments of {$120.00}, {$71.00}, {$50.00} in the last 5 days yet the only adjustment to my account was an increase of approximately {$24.00}. I spoke with an agents on XX/XX/XXXX and XX/XX/XXXX. I was told by the XXXX agent that my bank account had been reimbursed the {$71.00}. I told her it was not showing on my account as being deposited. Since then the funds has still not been deposited and my account still has not been credited any of the {$240.00} paid.
Additionally, Prosper intentionally disabled my ability to view statements online believing that this would enable me to prove my case. Since filing my BBB complaint my balance has yet went up again. That's twice it has been increased and none of my payments have been honored and no refund has been issued as stated by their agent. Neither have I been contacted by Prosper or received a phone call from Prosper. Attached are just some of the files associated with this complaint that has been turned over to legal counsel.
|
| 04/08/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American, Servicemember |
|
Received an offer in the mail to obtain a personal loan from Prosper.com. I went online and filled out the required paperwork as to income verification etc. A couple of days later I received a truth in lending offer stating my loan had been approved at 9.57 %. Within a couple of days my money was in my personal account. This is where the deceit comes in. When I inquired from both Prosper.com and XXXX XXXX in Utah what the amortization schedule was it was like light in the eyes of a deer along the highway. No one wanted nor did they respond to my request. I have yet to receive a detailed break-down of interest vs principal for payments over the life of the loan. I assume that they intend to collect all of the interest payments up front??? Under TILA I should have gotten a much more detailed document prior to the execution of the loan and transfer of capital. Under TILA the Right of Recission must be done within 3 days but what are you walking away from ... ... ..?? There isn't any terms agreed to in writing. If you are a crook then its well thought out. If you are honest you may very well be getting scammed. I have also contacted XXXX XXXX as that is the financial source for Prosper.com.
|
| 01/30/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
Older American |
|
I applied online for a installment loan i was contacted by this company Prosper Loans rep. named XXXX XXXX he asked me how much i was looking for and what purpose i told him i was looking for a XXXX XXXX dollar loan for two years he stated he could help me his company was one of the best so he paused then he told me that i could get the loan but he had to deposit some money in my account and i had to send it back by XXXX XXXX but not to him but some one else at first i was a little scared but he said dont worry you will have your money so igave him my account number and other info he sent XXXX dollars very fast so i ask why cant you send me the documents like that he said i will give you a name of the person to send it to and what state i sent the money back by my XXXX XXXX app he stated you will get your loan in a couple of hours so he hung up he called me back in bout thirty minutes i asked him where is the loan he told me he would have to send more money before i could get the loan itold him that if he could send me that he could send the loan he sent more money to my account and i told him no! my problem is who are the people he wants me to send the money to and why XXXX XXXX XXXX
|
| 03/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XXXX XXXX, 2018 my dispute of a questionable reporting from Prosper Marketplace via certified mail # XXXX was signed. The account is being reported as charged off for {$9300.00} and I am disputing this. I am requesting documents bearing my signature to show the validity of this account that is being reported to all three credit bureaus. More than 30 days has passed without a response. I mailed another certified letter via certified mail # XXXX and it was delivered XX/XX/2018. Still no response. Per federal regulation this item must be immediately and permanently removed from my credit reports for Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) The company also did not mark the item as " disputed '' on my credit reports with in 30 days of receiving the dispute.
Please see attached dispute and supporting docs. My dispute requested that Prosper provide the substantive information used to verify and authenticate the purported account. The failure to respond within 30 days constitutes an immediate removal of this item from my credit report.
|
| 03/27/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
On XX/XX/2019 I was notified by an agent of Prosper, employee # XXXX, that my payment was 7 days late, this was the first payment due. I had set the account up for auto payment and submitted all the correct account info to Prosper evidences by the fact that same info was used to transfer the loan proceeds to me. As I spoke with the aforementioned employee it was uncovered that Prosper had made a data entry error and was missing one number in my bank account number. I provided the correct number and agreed to have them take the payment they refused stating I had to authorize a new account. I explained that this was not a new account, they agreed but stated that they wouldnt take the funds without me adding a new account. I was transferred to a supervisor employee # XXXX, she confirmed they would not take my payment unless I authorized a new account basically stating the error was my fault which it clearly is not. The kicker is that they have charged me for a failed payment. I asked that the payment be waived and they confirm that there were no fees applied to my account and no credit reporting. The supervisor only said she would request this but couldnt tell me if that would occur.
|
| 05/04/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Debt settlement
|
|
|
Web |
|
|
Hi, I could not fine a correct category for this complaint, it 's an odd XXXX . I use the XXXX lending servic e Prosper ( prosper.com ), I am a lender. Today I received the following notice : " Important Account Update It recently came to our attention that the annualize d net return numbers displayed on your account overview page were inaccurate due to a system error. This error only affected the Annualized Net Return and Seasoned Annualized Net Return numbers and has now been fixed. This error did not impact any other part of your account, including payments, deposits, monthly statements, tax documents, and note and loan level information - including estimated returns. '' Essentially Prosper has for years stated my returns were around 9 %, however this looks to be an error and my returns are now displayed at around 5 %. This is just the displayed return not the actual money earned but I made investment decisions based on this number. Just like a normal mutual fund, the % return is the most important metric and for years it looks like it was incorrect, and much higher than reality. Does not sound good to me and it feels serious enough that I wanted to contact you.
|
| 06/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
On XX/XX/2022, I applied for and was approved for a Prosper Card. The email I received stated that I had a credit limit of {$500.00} and that I could download the app and set my account.
I downloaded the app and attempted to set up my account using the " new user '' link, as directed in the email sent to my XXXX address. The app asked for a card number which I do not have because the physical card has not been delivered. HOWEVER, the email clearly states that users will have access to the virtual card. This information is on their website AND the initial communication in an email after I was approved.
When I called the company, they identified the date I applied as XX/XX/2022, which as you can see from the screenshot is not accurate. When I asked how I could set up my account, the customer service told me to use the " new user '' link, the same link that sent me to a page asking for a card number. He did not provide a card number for me to use, again keeping me from setting up and viewing my account.
Either this company is a scam or they are purposefully misleading consumers. If you look at the reviews on the XXXX XXXX app, many, many consumers are having this same issue.
|
| 02/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
To whom it may concern I am of sound mind and competent to handle my own legal affairs.
I am THE CREDITOR and given the right by god himself 15 usc 1635 i have the right of rescission of any and all contracts, anything undisclosed within the contract violates the contract, without proper understanding and full disclosure and a meeting of the minds.
REMEDY REQUESTED : In short I am requesting that this account be deleted due to the fact that I rescinded my signature from any and all contracts with your company and 15 USC6802 gives me the right to opt out of any reporting.
Anything after the acceptance of this letter is going to be considered 15USC 1602 ( p ) unauthorized use and i will be charging {$300.00} a day for the use of my private intellectual property ( My NAME and SS # ).
If no remedy is provided then you accept the consideration i gave you to pay me {$300.00} a day and you stand in agreement that I will pursue action in small claims court for remaining balance.
Time is of the essence : you have 30 days to remove and or pay damages for defamation, malicious negligence and these are going to be considered your agreement to pay me liquidated damages.
|
| 09/28/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
This loan went into default status off 5 years ago after I fell behind in payments. I attempted to reach out through their XXXXXXXXXXXX email and never got anything back. Eventually the loan was charged off but remained on my credit. In an attempt to repair my credit, I submitted several dispute claims to validate the loan and received nothing in return. Currently, my wife and I are trying to close on a new home loan, but conventional loans prohibit any disputes listed on your file. I tried to go through XXXX to have the verbiage removed to satisfy the requirement, but was told by them that we have to get Prospers approval. We called Prosper and was told that they will not approve the removal of the dispute verbiage. Digging deeper, we were told by Prosper that the charged off loan is no longer in their possession, but in the hands of a third party. It is this 3rd party that is handling my disputes and reporting to the credit agencies. I have attempted on several occasions to work with Prosper to have the dispute removed, but am meet with unanswered emails and CSRs with limited information to give. When asking to discuss with a manager, no manager is available.
|
| 08/12/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
The problem with my Prosper loan is that the loan payment due date is on the XXXX of the month and I have asked repeatedly for a change of date to accommodate making payments. My payment is due on the XXXX and I am asking for a move of payment due date to the XXXX. I have explained that this date bumps heads with my mortgage and leaves me with not enough money to pay my mortgage. They claim that I have had a move of payment due date once. I did not.
I have so many issues so I will list them 1. The payment is due on the XXXX, if I don't pay them on the XXXX, they call my phone literally every 15 minutes on a robo dialer.
2. I usually go in and schedule the payment for the XXXX because thats the pay date that I can commit to. When I do this and call them back they claim they don't see the scheduled payment. Meanwhile the payment comes out of my bank account as I schedule it on the XXXX.
3. They keep pushing me to go with an extension of the loan or deferment which means that it will take me longer to pay the loan off. I don't want to do that I want to pay the loan off but they keep charging me interest so it looks like I am not paying anything.
|
| 06/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Prosper Credit card sent a new card to someone with an increased limit {$1400.00}. I reported that I did not request nor receive a card and I had reported more than once for them to close the card in XXXX and in XXXX. They refused to closed the card and I did not know this until, they billed me for an annual fee on a card that was supposed to be closed. Then they mail a card with an increase to someone in XX/XX/XXXX.
My home owners insurance trippled in XX/XX/XXXX due to Prosper reporting to the credit bureau that I was late or had not paid the annual fee. This blindsided me as I had told them last year to close this card because I did not need it and was not using it. My home owners insurance increased from {$1200.00} per year to {$3000.00} per year due to them reporting false information to the credit bureau which caused my credit score to decrease drastically, especially XXXX went to XXXX. This really hurt my credit score and caused major financial hardship to me.
XXXX. I want them to eliminate the fee which they charged to a closed account.
XXXX. Correct this information with the credit reporting agencies.
|
| 12/28/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
I took out a loan of {$12000.00} with Prosper Loan, and we agreed that they would take {$600.00} in advancethat is to say, I only received {$11000.00} in my loan. The interest rate was 7.91 percent.
They were going to charge me {$370.00} on the 20th of each month to cover the minimum payment, which was {$290.00} going toward the principal and {$78.00} in interest, for A TERM OF THREE YEARS.
I agreed, and I told them that I was going to make some extra payments as often as possible in order to pay off my account BEFORE the term was up. I asked them if the extra payments I would make would be applied to the principal, and they responded that they would.
I took out the loan in XXXX, and the first payment was made in XXXX. Ive paid almost {$3000.00}, when in actuality I should have just paid {$1100.00} for the three months.
They have not made the monthly reduction [ of the principal ] as we agreed, neither in XXXX nor in XXXX. That is, they keep on applying interest as if I havent paid, and according to them its because I made additional payments. But theyre also applying interest to the additional payments.
|
| 12/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
I obtained a personal loan from Prosper in XXXX. The first payment was deducted from my bank account automatically. I intentionally made a second payment thinking I was paying ahead. I made this extra payment because I was in the process of relocating to another state. Therefore, I didnt want my payment for the following month to be late since I was also starting new employment. When Prosper called me the next month saying my payment was due, I asked the representative to check my account and see I made an extra payment on my account. She said she could see the extra payment but I still owed for the new month. The company began to harass me over the payment.
I have since paid XXXX towards the balance which is approximately XXXX. But I received notification from a credit reporting agency that my credit report has a 30 day late which has impacted my credit report causing my score to drop XXXX points. Prior to this incident, I had a perfect payment status.
I called Prosper an spoke to a supervisor. She informed me there was nothing she could do even though she verified I made the extra payment in advance.
|
| 04/13/2021 |
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
|
|
Web |
|
|
I Have a loan with Prosper, I had financial problems due to COVI19 and because of this it became impossible for me to pay the monthly payments contracted with PROSPER. I tried to recover as soon as possible, and I was always in contact with PROSPER negotiating agreements to pay off the debt. They offered me that if I showed that I had been affected by COVI 19 they could give me some flexibilities for payment. I sent them the corresponding documents and they agreed to accept me as AFFECTED. They were going to deferral those months and they were also going to add a note saying : Affected by Natural or Declared Disaster. This does not negatively impact your FICO credit score. They did that the first few months and then withdrew the note and my credit drops affecting me the possibility of being able to access some services such as buying a car or even getting a rent or a home. I have attached evidence of the emails with them where they agree to put the remark. After time and after several calls and complaints now tell me that they removed the remark and will not put it back. ( I have attached the Emails )
|
| 11/29/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Now that the CFPB will actually be doing the job it was charged to do when President XXXX takes over from the failed XXXX experiment, I am hopeful that this complaint will actually be addressed under the Fair Debt Collection Act and the Fair Credit Reporting Act. I filed an identity theft report with the Federal Trade Commission and refiled in XX/XX/XXXX. I properly notified the creditor and supplied them with letters provided to me by the FTC. I also asked for CFPB to assist but as has been the case throughout the XXXX era there was no action on my complaint.
I am asking you now to require the Prosper to show signed papers indicating that I applied for and incurred the debt. Electronic documents are not allowed because I placed a notice on my credit report and it was in effect at the time that this loan was allegedly made. Further the bank account information they provided for XXXX XXXX was also involved in an earlier identity theft that was discovered in XX/XX/XXXX and reported to the FTC and CFPB at that time.
This is not only a violation of the FCRA and the FDCA but also constitutes defamation.
|
| 12/05/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Servicemember |
|
I am requesting assistance from Prosper in reversing the charging off of my loan. I was actived for military duty from XXXX to XXXX and was in a remote area with limited ability to make phone calls due to my XXXX XXXX and the fact that I was in a XXXX XXXX XXXX
I emailed Prosper to let them know that I was on XXXX XXXX and to request to update my payment method via email since I had limited ability to call. They declined and insisted that I call. After returning from XXXX XXXX, I called to inquire about my account and was informed that my loan was charged off in XXXX. Despite me informing them I was XXXX and that email was the best way to get in contact with me, I received no notifications about my account being charged off via email. During the call after my XXXX when I found out about the situation, I requested that they reverse the charge off and they refused. I appreciate any help that the CFPB or Prosper can provide in reversing the charge off and letting me to resume payments. My military XXXX caused a number of hardships for me and now I have to worry about a charge off on my credit score.
|
| 08/24/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I received a mail solicitaiton to apply for personal loan. On XX/XX/2018, I submitted an application online.
During the online application process, Prosper requires granting access to a bank account through an online ID and password access for the purposes of depositing loan proceeds and automatic payment withdrawals. The application process also creates an online account/profile with Proper.
Subsequently, I declined the personal loan offer. However, when attempting to remove the submitted bank account information from my online account, Prosper does not provide any way to remove bank account information. I contacted Prosper 's customer support. Customer support was not able to provide any means to delete the bank account information. Therefore, Prosper continues to have access to my bank account. Prosper raised a request to close the online account, but customer reps advised that the bank account details could not be deleted.
Prosper Supervisor : XXXX ( Supervisor ) Employee ID # XXXX Based out of XXXX, Michigan XXXX Employee ID # : XXXX Ticket # : XXXX was raised to close the account
|
| 12/16/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
Hello. During XXXX I was shopping for a personal loan for wedding expenses. I checked with XXXX and Prosper. I applied with both. After reviewing the terms of both companies, my fianc and I decided to move forward with the loan with XXXX and not with Prosper. I sent an email out to Prosper advising them that I do not wish to proceed with funding the loan because the rate is too high. I also called them and they had told me they would research it at the time and make a stop. However, Prosper ignored my request, never reached back out to me or replied and funded the loan. I have been battling with them to give them tehir money back, and I refuse to pay their origination fee of {$1700.00} since I never agreed to finalize with them on the loan. Prosper continues to ignore my request and they are threatening to report delinquent payments to my credit report and they are standing by and saying I am responsible for their loan including the origination fee. Please assist me in getting Prosper to take their money back by sending me a payoff demand minus their unlawful origination fee.
Thank you
|
| 11/30/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Received a Text XX/XX/XXXX at XXXXXXXX XXXX from XXXX XXXX XXXX XXXX, regarding a matter that their office is handling. I click the link and add the agency ID XXXX. It then brings me to an account that states I owe an alleged debt for {$10000.00}. The Original Creditor was Prosper Funding LLC., assignee of XXXX, who previously charged off the alleged debt. I have no contract with XXXX XXXX XXXX XXXX XXXX I do not owe them anything I do not know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating False representation. All caps name, stating consumer owes debt 15 USC 1692b ( 2 ). They are in Communication without prior consent violation of 15 USC 1692c ( a ). They are using false, deceptive or misleading representations in violation of 15 USC 1692e. They are using obscene/profane language accusing me of owing an alleged debt which is violation of 15 USC 1692d ( 2 ). The communication between XXXX XXXX XXXX XXXX and Prosper Funding LLC., assignee of XXXX, about me is in direct violation of my privacy per the Privacy Act of 1974
|
| 02/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Prosper pulled a hard pull on my credit. Which, I didn't mind at the time. They have asked for several documents to be submitted, I couldn't submit those documents at that time until the following day. I did not receive any phone calls from them nor any e-mails that they've denied my loan request. I have to call to find out that they dined my loan. I asked them why, and they wouldn't give me a solid answer. The hard pull on my credit is what hurts me the most because I did not even have the chance to talk to anyone about the case or even show any proof. I called XXXX XXXX to see if they can help me dispute my credit score, they stated that they need a letter of the loan denial. I called Prosper again and they would not give me a letter and kept saying that it was my fault. Any company that I've gone through credit cards or loans, you always receive a letter saying they have approved or have denied your request. I don't understand what their issue was, but it's unethical. Glad to be denied because I wouldn't want to do business with them even further after this incident.
|
| 07/17/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
Dispute with Prosper XXXX XXXX reference # XXXX spoke to representative regarding merchant interest fees account. I did not realize I was paying interest for the balance per month of the card. I closed the account today in hopes that I could work an arrangement out towards the purchases I have made. They are unwilling to work with me to make these payments. I would like to see if the company would allow me to pay my balance without the interest considering the account is closed and the card will no longer be used. It is so terribly sad for individuals who are trying to fix their credit are milked and prodded to where roughly XXXX gets applied to the account balance. If this is the case maybe a best practice for the credit card company would be to say here is your minimum due, please select the interest pay option to pay an additional amount towards your balance. For example, if the minimum is {$30.00} and the interest is {$21.00} within the payment option it should have {$51.00} to pay so that at least the {$30.00} you paid goes towards the credit card account balance.
|
| 03/01/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I applied for {$30000.00} unsecured personal loan with prosper on Sunday and was told on Monday that I was approved and was just waiting for funding by one of their agents. Later that evening at about XXXXXXXX XXXX I received an adverse action notice from the company, stating they could not provide me with financing, because of a technical error on their behalf, and nothing to do with me. I dont called the company the next day to follow up to have the issue rectified. I have worked with multiple agents and supervisors to correct the issue. I pre-submitted my application multiple times, and it keeps coming back with the same excuse technical issue and again it has nothing to do with me personally however, its still denying my application for no fault of my own. I feel that I am being treated unfairly and discriminated against at this point in time, because they can not provide me with any reason why my application would be denied on my end. I keep getting different answers from different people, but nobody will take responsibility for it and its made no progress.
|
| 10/25/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I spoke with a sup XXXX on XX/XX/XXXX and was was told that if I paid XXXX I would be update however after doing more research, I discovered the following : I filed a complaint on XX/XX/XXXX regarding incorrect information that was provided to me by Prosper card. Per the company 's response they advised my autopay for the minimum amount was setup ( XXXX ) and I could continue paying on the balance of XXXX until it was paid off. However they took out XXXX from my account on XX/XX/XXXX and their response was that because my credit limit is XXXX ( which it is incorrect, it was XXXX when the card was closed ), and with the balance still owed of XXXX it makes it 280 % ( per XXXX XXXX ) over the limit of XXXX. The card was closed on XX/XX/XXXX or XXXX and the credit was XXXX, however it seems they intentionally/maliciously lowered the credit limit on a closed card to XXXX so that I was " over the limit '' and per their agreement it allows them to take the balanced owed.
I have included their email responses as well as the a screen shot of my XXXX credit limit.
|
| 03/24/2023 |
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
|
|
Web |
|
|
I received alerts from XXXX about a debt consolidation loan. I finally looked into it and the loan by Prosper seemed to meet my needs. XXXX XXXX clearly states on their site that preapproval will not affect your credit, although a hard credit report may be pulled at a later time.
I clicked through to provide my basic information for preapproval. I almost immediately received a notice that they could not go any farther in the process, but to try again in 30 days. A few days later, I received a notice from my credit monitoring that I had a new hard inquiry on my credit reports.
I reached out to Prosper and they sent me a form letter telling me that I had authorized this. I clearly told them, and am telling you now, that I did not. If they are partnering with XXXX, then they should follow the terms that XXXX promises its customers. I would not have clicked through if I had known this, as I was merely inquiring and not ready to apply.
On the attached info from Prosper on the XXXX website, it says : " Checking your rate with not affect your credit score. ''
|
| 03/02/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I have a XXXX line of credit created to consolidation loans. Loan closed XX/XX/XXXX ; recision period ended on XX/XX/XXXX and pay off checks were issued XX/XX/XXXX by the bank overnight mail. XX/XX/XXXX all banks processed the check as expected, except Prosper Funding LLC.
XX/XX/XXXX I called Prosper Funding to check on the status of these two loans I have ( 1 ) {$8900.00} at 09.29 % interest and ( 2 ) {$12000.00} for 16.84 % interest. I called ( XXXX ) XXXX line and asked about the payoff status. They could not tell me checks were received. They did tell me that if the checks were received, they will process the checks within 10-days. They process checks through XXXX since they are not a bank. They also told me they will charge me interest each day until the check is processed.
I was shocked to hear that interest is charged to me until they decide to process the checks and not based on the day the check is received. I have worked for mortgage business for 23 years and started int he payoff department in XXXX. This is not normal banking practices.
|
| 04/11/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I have a high interest loan through Prosper loan. After repairing my credit I was able to get a bank loan at a much lower interest rate through XXXX out of XXXX, Illinois to pay off the Prosper loan. On XX/XX/2017 XXXX sent Prosper a check for XXXX on my behave to pay off my loan with Prosper. Prosper lost the first check.
The bank stopped payment on that check on XX/XX/XXXX and sent Prosper a new check via XXXX on XX/XX/2017. Prosper received that check on XX/XX/2017, and presented it to XXXX on XX/XX/2017 for payment and the funds were transferred to Prosper on I believe XX/XX/2017. Prosper was presented with proof that the funds were transferred to their account and is still unwilling to acknowledge the payment and has put my account into " pass due '' status which will eventually affect my credit rating. Prosper has a financial interest in my paying for the full terms of the loan and feel that is there end goal here. At this point Prosper will not speak to me and will not respond to the support ticket that was placed on my behalf by XXXX.
|
| 12/18/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
I was unemployed for a period of time and accumulated a sum of credit card debt, which I am now paying down after having gained a decent job. However, I regularly receive mailings from several companies that have very imposing-sounding wording, and are misrepresenting the contents of their mails. For instance, their envelopes have " Final Attempt '' in big red lettering, and the front of the mail ( the part that is visible before opening the envelope ) says " pay to the order of '' with my name underneath it.
These are private entities that I DO NOT owe money to, and to say " Final Attempt '' implies that they have been attempting to contact me for debts that I owe them.
To write " pay to the order of '' implies that they owe ME money, which they do not. These are just debt consolidation services that are trying to use fear and misdirection to convince me to take out a loan with them. The worst offender by far is Prosper ( https : //www.prosper.com/ ), and I have attached a picture of the most recent letter I received from them below.
|
| 04/19/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
I was called by a company called prosper loan by XXXX XXXX and accountant XXXX XXXX phone # XXXX or XXXX from email XXXX XXXX XXXX . Due to my ignorance of the scam about to happen. I was told I was approved for a loan. During this time I was homless with and infant and father had just passed in desperation for help I called them and was asked to purchase I tunes cards or XXXX gift cards. As it fallows I did they sent me what I thought were legal document. Then they told me to call and see i had funds i did. Then they told me that if I didnt return there funds i would get reported to the FTC. That made me nervous. Did not really think anything of it until I called the real company and asked for a update on my loan 3 days later after I tired to pay for a safe place to stay. my card was declined and account frozen due to unusual activity.? I was notified that they did not approve a loan that I had not even applied. Now I am in a bind do n't know what to do do n't have any money to get help. And far worse then when I was.
|
| 04/05/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
According to their payoff letter, I was to pay the balance of my loan by XX/XX/XXXX in the amount of {$10000.00}. I did this in a form of a paper check which they received on XX/XX/XXXX. They didn't process this until 7 days later which made me accrue interest of {$42.00}. I called them to let them know this is not correct since they had my check since XX/XX/XXXX and didn't process it. I asked for a supervisor and was hung up on. I called back and spoke to XXXX the " Supervisor '' and again, she told me the same thing. I told her that this is not correct since they had my check since XX/XX/XXXX. I asked to speak to her supervisor and she said no, there's no one else to speak to and gave me a physical address to mail my complaint.
I never missed a payment with them, nothing is spelled out in the payoff letter about interest accruing. If I paid via online, this would not had happened. The fact that I paid it as a check is why.
I ended up paying the {$42.00} today XX/XX/XXXX because I didn't want anymore interest accruing on this loan.
|
| 01/25/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I opened an account with XXXX about a year ago. Prosper Mastercard is issued by XXXX XXXX XXXX
Over the course of the year my credit score increased at least XXXX XXXX and my credit utilization dropped below 10 %. Still Prosper did not increase my credit limit over the course of the first year. I believe having the Prosper account wasnt serving any benefit for me and so I decided to close the account XX/XX/XXXX. I closed the account on that day rather then wait and be charged for an annual fee. Shortly thereafter I viewed my account statement which showed a {$39.00} annual fee and listed XX/XX/XXXX to XX/XX/XXXX as tdates of service. I immediately wrote prosper and told them I was charged an annual fee on an account that was closed and not open or present during the listed dates of service. I received a response from prosper stating that the annual fee is not returnable after the first year. I wrote them again to emphasize that the account does not exists during the time or dates that you state on the statement for which you charge me
|
| 06/24/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I contacted this company in XXXX. I believe it was XX/XX/XXXX to change my auto pay from one bank to another.
I was told that this change was successful and according to my account records it was successful.
Now, I have been told the XXXX payment is late and in collection status even though it was confirmed that my account information was on file. There is no record of them trying to debit the account.
I called today and was told that my XXXX conversation indeed happened and yet the payment is late. I was told the conversations are recorded so they have this conversation. I confirmed today multiple times that my ach was correct.
I have also tried to pay this loan today and the system will not allow me to add either bank account.
I believe I have been discriminated against and subject to a deceptive practice. They have verbally stated and posted that a new auto draft was created to make a payment. How is it that the payment can be late? How is it that I try to go in and make a payment and then the account can not be loaded?
|
| 04/05/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
In XXXX, XXXX, XXXX, a company I pay to monitor my credit notified me that a credit inquiry was made by XXXX XXXX. My XXXX Representative immediately contacted XXXX XXXX on a 3-way call with me and we were assured a credit account would not be opened. In XXXX, I started being harassed with letters and phone calls from XXXX XXXX stating that my account was past due. I also saw that my credit score dropped from over XXXX to under XXXX. I called XXXX on XX/XX/XXXX at XXXX and they assured me they would open an investigation. I called again on XX/XX/XXXX and was told the same thing. I heard nothing back and later received a collection call from XXXX. I told them my situation and they assured me that an investigation would be opened. Still, nothing was done. I sent an email to XXXX and received a return email with Reference ID # : XXXX assigned to the case and they stated they would open an investigation. As of today, this delinquency is being reported on my credit report and I can not open other accounts due to my poor credit score.
|
| 07/10/2019 |
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
|
|
Web |
|
|
In XX/XX/2017, after receiving endless mail from Prosper Bank regarding debt consolidation loans, and being promised I could check my rate with no affect to my credit score, I went online just to see what they could offer. Unsatisfied with what I was seeing, I dropped it and moved on. From then, Prosper began to contact me numerous times a day both via e-mail and phone until I told them to stop.
They also pulled a hard inquiry despite repeated promises that there would be no effect to my credit score. I was then told by a representative via e-mail that I had agreed to allow them to check my credit when I signed up by clicking a box. While there is an " Authorization to Obtain Credit Report, '' you agree to that on THE SAME PAGE that explicitly states there will be no effect on your credit.
These business practices are deliberately shady and misleading. They present themselves as just allowing you to see what your rates will be, while they're actually placing a hard inquiry on your credit and refusing to do anything about it.
|
| 09/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
My company took out a line of credit with Prosper after a general contractor failed to make multiple payments and breached their contract with XXXX XXXX, XXXX. The loan was to cover payroll, taxes and fees associated with that specific project.
Prosper advertises " Small Business Loans '' so I contacted them to apply under XXXX XXXX, XXXX. We were awarded the line of credit and paid suppliers, employees, taxes and fees. We were eventually paid by the general contractor and owner after filing a mechanic 's lien on the commercial property.
They weren't getting paid because bill were not being sent to the business. I later learned Prosper used my personal social security number and was making negative reports on my credit report.
I contacted my attorney and he noticed Prosper advertises " Small Business Loans '' and advised me to contact the credit reporting agencies immediately as all reports should be on the XXXX XXXX issued by the IRS and not my or any partners personal social security numbers.
Now my credit took a bad hit
|
| 01/30/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Around XXXX I entered a consumer credit transaction ( pursuant to 15 usc 1602 ( i ) ) with Prosper in which a finance charge was involved ( pursuant to 15 usc 1605 ) with is the sum of ALL charges. I would like to state that am a federally protected consumer/ Natural person under the 15 usc 1602 ( truth in lending ) 15 usc 1692 ( fair debt collection practicing act ) and 15 usc 1681 ( fair credit reporting act ) ive found that my rights as a consumer have been violation under theses acts attached to this complaint is my notarized affidavit of truth in which i state all facts and violations done within the consumer credit transaction and Exhibits I've also attached the cease in desist letter ( pursuant to 15 usc 1692c ( c ) ) that I've sent to Prosper via certified mail. Stating I will no longer continue to pay on this alleged debt and invoking my specified remedy pursuant to 15 usc 1692c ( c ) ( 2 ) ( 3 ). it is clear that prosper is not only criminally liable pursuant to 15 usc 1611 but civil liable pursuant to 15 usc 1692k
|
| 03/30/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
Prosper refused to close my account and return my money. They are insisting that I forfeit my money to them in order to close the account.
From Prosper in response to my request to close my account : Thank you for choosing Prosper Investor Services. We appreciate you reaching out in request to close your account. Unfortunately, we can not send checks. The process to close out an account has updated recently and we would be glad to help you get through that. If you would like to forfeit the account as is ; with assets, active notes, available cash, or charged-off loans you may still sign the Forfeiture XXXX. Please read through the form as it does entail that, by signing this XXXX, you would forfeit any future recoveries received for any defaulted/charged-off accounts. Be advised that there is not a set time-frame for this document to be generated, just be sure to monitor your Prosper-associated email address. Please reply to this email if you would like to initiate the forfeiture process so we can initiate that for you.
|
| 01/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XXXX Prosper Costal reported to XXXX about my credit card account that I have with them. However the information they posted was inaccurate for a multiple of reasons.
1. They reported a balance increase from {$370.00} to $ XXXXsince XXXX my balance has decreased but that information was not captured due to reason # XXXX XXXX. They had not reported since XX/XX/2022. {$370.00} was the balance on my account in XX/XX/XXXX. Since XXXX my account limit had been increased. So, the total account limit was incorrect, it showed a {$800.00} limit meaning that they reported that I was using 145 % of my cards account limit. The limit of my card on XX/XX/XXXX was {$1400.00}.
I filed a dispute with XXXX on XXXX on XXXX the dispute was settled and my transuion report was updated on XXXX to reflect more accurate information.
Also on XXXX this same company reported to XXXX. They reported the same inaccurate information that they just had updated with XXXX. This caused my XXXX score to take a deep dive of XXXX points.
|
| 09/08/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
In XX/XX/2022, someone took out a {$3200.00} personal loan in my name. I have never spoken with Prosper. I have no knowledge of this transaction. Prosper has not provided any proof that it was me who took out this loan. They have taken out 8 monthly payments of {$140.00} each. I have been in contact with Prosper since XXXX. From XXXX til XXXX, they said they would investigate and get back to me- it never happened. In XXXX, I tried to stop the payments through my bank. I had to close that account and start a different account. They have asked for identity theft paperwork and for it to be notarized. I have mailed it 3 times and emailed it once.
Each time I call to check on the progress, they ask for more paperwork. I am currently waiting to pick up a police report. I will get the police report, driver 's license, and tax bill as proof of my residency notarized after I pick up the report and then mail it.
Currently, Prosper is posting negative things about me on my credit report.
Thank you for your help
|
| 10/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Since there is no outside entity participating in the process, I, XXXX XXXX XXXX XXXX, am the one who is filing this CFPB complaint. I recently checked my most current credit report and found that this account was falsely reporting information on it. My information was taken and used to establish this account without my knowledge or consent ; I am a victim of identity theft. The account PROSPER XXXX with an alleged Balance : {$7500.00} Date Opened : XX/XX/2016 was incurred due to fraudulent charges, which according to XXXX XXXX XXXX XXXX XXXX XXXX am not liable. With this company, I DO NOT HAVE A LEGALLY BINDING CONTRACT. This account is making an attempt to recoup a debt that was previously shown on my credit report. I have repeatedly asked for confirmation. This firm only provides a statement, which demonstrates nothing, rather than a signed authorization or documentation of the operations. I requested confirmation of the various entries on my credit report, but once more, all I got was statements.
|
| 11/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
- Problem with customer service
|
|
Web |
|
|
We are doing a Home Loan for our Borrower and it required a conference call with XXXX and the creditor to confirm that the Borrower had paid off his Account with Prosper. Borrower speaks zero English other than to be able to say his name, date of birth and last 4 of his social. Both myself and the Agent from XXXX were on the line to assist with translation as needed. We requested someone at Prosper that spoke XXXX and the proceeded to advise us that they only speak English there and no XXXX agents or any other language. Propser Agent advised that they would not allow having a translator on the line even though Borrower DID answer the validation questions they asked which were his name, date of birth and last 4 of social. I requested a Supervisor and explained the situation and Supervisor stated that Borrower should not be applying for a home loan with us if he does not speak English. Prosper refused to complete our request or provide confirmation that the balance on their end has been paid in full.
|
| 08/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so.
Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way.
If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself.
I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.
|
| 02/07/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
My son was given two loans that should have never been given to him based on his income debt ratio. The loans were by two separate companies. One was XXXX XXXX XXXX and the other was through XXXX XXXX. The one was for {$20000.00} and the other was {$17000.00}. Since he could not afford the payments they went into collections, which is where his father and myself came into the picture.
The one loan was negotiated with a XXXX XXXX XXXX. XXXX XXXX Their address is XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX. I dealt with a XXXX and XXXX XXXX. They of course used all the tactics from nastiness to ruining your credit to garnishing his wages. The other company XXXX XXXX XXXX XXXX XXXX, Illinois XXXX. I dealt with XXXX and a XXXX XXXX. Same tactics very nasty and threatening. It was a very upsetting experience because they play hard ball and your already upset that your child is in this horrible situation, and your trying to help him through something that should never have happened in the first place.
|
| 09/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
I have received several calls from Prosper before XXXX XXXX in their attempt to collect a debt. I spoke to them about calling me before XXXX XXXX and they said that they would address it, but they continue to call before XXXX XXXX, ( see screenshots of their calls attached ).
I also requested to take advantage of the hardship settlement program and the lady who was helping me got all the way to the end of the process and then the call was disconnected. Ever since then, they continue to call and when I answer, no one is there.
They called me three times today once before XXXX XXXX, the XXXX times that I did answer their calls today, no one was on the line. This is harassment, to keep calling my number and then not have anyone on the line.
The one call that you see the screenshot of that lasted 25 minutes was when I told them that they had been calling me outside of acceptable times and that was also call when they attempted to set me up on the hardship settlement program.
|
| 09/10/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I had opened an account with Prosper Marketplace back in XX/XX/2019. The following year COVID it and I started to see a cut in my hours at work. I contacted Prosper to ask if they could offer any type of help and they indicated that since I reached out to them before the payments were late that they would help me. They assured me that my account would not show delinquent during that time. You can imagine how upset I was when I saw my scores drop due to them reporting me late. They took advantage of a pandemic and not only lied about how it would impact my credit but then to charge late fees and show late payments. This is predatory lending with what they did. They tricked me into thinking they would help and then turned around and put me in a position that hurt me and put me in a higher rate bracket. Had they told me they couldn't help be at the time I spoke with them I would have tried to borrower the money or borrowed against my 401K. I was lied to and this is not right.
|
| 04/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This is not a joke, Prosper Marketplace has used my dispute against me and is trying to shake me down for money, and has now doubled my balance owed in just one month and now is reporting late payments every month. Back in XXXX, I contacted Prosper Marketplace to let them know about their reporting issues on my personal credit reports was inaccurate- and they said they would investigate ; but instead they contacted the credit bureaus and told them I owed DOUBLE the original amount!!, and that I needed to pay or " handle this matter '' ASAP!! This really happened and I can't imagine how many laws were broken in trying to shake me down. Prosper marketplace is now reporting a balance of {$6600.00} on a loan they state I personally received in 2011 for {$3400.00}. I couldn't believe it so I reached out further, and their ( Prosper ) only answer was to state that they sent me an " identify theft package '' to help me. Prosper is the one who is using my identity incorrectly!
|
| 10/22/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Older American, Servicemember |
|
I have more than a year making my monthly payment on time but I cant see any statement that showed my remaining balance after I did the payment.
Sometimes I sent {$500.00} in order to lower my debt and finish early but when I see that they apply this amount to the next payment instead to my principal balance as I tried to do it. I called them several time about this issue and they said that I have to made the payment on my due date otherwise they apply it to the next month payment, also I make the payment through my bank payment system, I scheduled it 10 days before the due day and they told me several time that the payment didnt arrived on time, I made the payment through their website because they said to do it like that and the next day my bank payment went through, in that way they get duplicate payment but they do not applie it to my balance. I need to see my monthly payment statement where I can see the remaining amount balance after they apply it.
|
| 01/18/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I got a loan from a company called prosper. I got approved on line for the amount of {$10000.00} they charge me {$500.00} fee for the application fee they send the money in 5 days. I had to make a payment of {$430.00} for the next 36 months. I realize they are charging me over 30 % to 35 % in interest so I sign up with debt consolidation name XXXX XXXX XXXX XXXX hoping they can negotiate on my behalf prosper refuse to bring my rate down and they said they dont work with debt consolidation company and I have no choice but to pay the % 35 rate. They have also ruin my credit report and put on delinquent account. They never send a monthly statement I didnt know how much interest they were charging I was under impression that it was 11.99 percent. I am trying to find out what is the maximum interest they can charge me. I know the state of Maryland is 29.99 % the company address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. My account number with them is XXXX.
|
| 02/01/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
|
|
On Friday, XX/XX/2022, I called Prosper Customer Support and advised them that the Social Security number they have on file is incorrect. After 2 hours, I was told to email a copy of my ID and a copy of my of Social Security. They stated once it was submitted the issue will be corrected within a few hours.
On Monday, XXXX XXXX @ XXXX, I received an automated email from Prosper Customer Support stating they received my question or concern and will respond as soon as possible.
On Wednesday, XXXX XXXX @ XXXX, I received another automated email from Prosper Customer Support confirming they received my issue and are working to address it as fast as possible.
On Monday, XX/XX/2022, I contacted Prosper Customer Support to follow up on my issues. After 2 more hours, I was told that an email was sent to a supervisor as sent an email to another department to speed up my issue. I then requested just to close the account. They refused to close the account.
|
| 10/14/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Older American |
|
Prosper XXXX is the company I am having problems with. I noticed a fraudulent charge from Prosper on my checking account so I called the bank and had to block any and all purchases that were under $ XXXX. Prosper then started sending me emails telling me that my account was delinquent. I called multiple times and they confirmed that I do not have an account. I continued to get the emails and I continued to call. I reported fraud to them and requested that they stop sending emails. On XX/XX/XXXX they sent an apology email saying the account is closed and there is no balance. I do not know what account was closed because I did not have one. They could not find an account associated with my name, birthdate or social security number. The reason I am reaching out to you is that this was reported to the credit bureaus and I try very hard to keep up with and establish a good credit rating. Any help you can provide is greatly appreciated.
XXXX XXXX XXXX
|
| 08/03/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
Received solicitation from Prosper to lend money to me. When I called they informed me that no one could speak XXXX ( my first language ). They also said all documents were in English therefore they could not do business with me. My husband asked if he could talk on my behalf and they refused saying they could only talk to me in English. My Husband spoke to a manager named XXXX who gave us a ticket number of XXXX for your information and files on XX/XX/18 at aprox. XXXX XXXX EST.
My husband is of the opinion that this amounts to de facto lending discrimination against XXXX. He urged me to complain to the CFPB. This company is in Arizona and apparently they can not find XXXX speaking people there ( even though there are a multitude of XXXX living in that area ) to work for them who can conduct business with XXXX. Perhaps they also discriminate in hiring practices too considering the high percentage of XXXX speaking people living in Arizona.
|
| 05/19/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
I applied for Covid-19 assistance with Prosper. They accepted my application and let me defer my payments for 3 months.
Their representative turned off my auto-pay so the payment wouldn't be automatically withdrawn from my banking account. I understood the terms of the deferment and accepted them.
1 week after the first deferred payment I recieved a call from their collections department telling me I was past due.
Then I explained that they deferred my loan payments due to Covid-19 and they told me they would investigate and follow up with an email.
Today I recieved an email stating that I'm not eligible for covid assistance. ( 1 month after they told me I qualified for it ).
I called up this evening to speak to a representative to figure out what was going on and they told my that Prosper no longer is offering Covid-19 assistance. Meanwhile at the top of their website and emails it shows they are offering help for people affected by it.
|
| 07/29/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Out of curiosity from an ad I saw, I clicked on Prosper 's " Check Your Rate '' link of its website. It CLEARLY states " Checking your rate will not affect your credit score ''. After doing so, I never took any further action. NONE!!!!! I NEVER submitted a loan application!!!!!
Daily since then I get emails from Prosper with incentives to apply for a loan such as a credit on my first payment. I have IGNORED each and every email. AGAIN, I have NEVER taken ANY action on this. I have NEVER applied for a loan.
Today after weeks of these emails, I suppose Prosper got tired of me not responding and sent me a credit declined memo. How can I be declined credit for which I NEVER APPLIED?!?!?
THIS IS FRAUD!!!!!!!! I now have a ding on my credit because of Prosper 's FRAUDULENT processing of a loan application. I NEVER APPLIED!!!!!! I ONLY CHECKED MY RATE BASED ON PROSPER 'S PROMISE that " Checking your rate will not affect your credit score ''!!!!!
|
| 11/18/2020 |
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
|
|
Web |
|
|
I have a large purchase loan through Prosper. I am disputing the 30 day late payment that you recently recorded on my credit report. My bank denied the initial payment back on 10/3, suspecting fraud. I immediately reached out to your company to process a second payment. This was never processed on your end. The funds have been available, and a subsequent payment has been made and processed. I have also attached a bank letter from XXXX outlining the payment rejection and fraud claim. Please update or remove immediately the late payment that is currently showing on the account. I have made multiple attempts to reach out to Prosper customer care via email with no response.
I would also recommend that Prosper send an email to their customer when they have communication of any kind on their account so that one can immediately access this information without delay. I never received any email communication regarding this issue and or a phone call.
|
| 01/22/2024 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
XX/XX/year>, I received an email from XXXX which is some kind of financial bank business that stated that I was not approved for a loan that I applied for. The email had information pertaining to my credit that was not true. I did not apply for an equity line of credit loan from this company. I called them to inform them about this email and they attempted to get additional personal information from me to inquire about the loan. I explained again that I did not apply for a loan and will not provide my social security and date of birth. They would not give me any information to report this as a fraud through their company. they just aggressively tried to get more personal information to process an inquiry. I am attaching the email as documentation which seems to be a phishing scam to get the recipient to give additional information and run an inquiry on your credit. I checked my credit report to be sure and there were no inquiries from XXXX.
|
| 12/20/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have an installment loan, that allows prepayments, with installments of $ XXXX.
I had paid significant amount in advance. Specifically {$4500.00} on XXXX/XXXX/XXXX. I continued to pay in advance. By my calculations, which I have sent in detail to XXXX, I have currently paid ahead until XXXX XXXX and partway through XXXX.
XXXX has reported incorrect information on my credit report at both XXXX and XXXX. They have referred me to " XXXX XXXX '' a collections agency. I demanded they cease and desist all calls relating to this amount as I have already paid. I still received further calls.
I have contacted them numerous times and asked where in the contract allows them to do this. All they say is that their billing system ca n't handle payments more than 30 days in the future. This is not mentioned whatsoever in our contract.
XXXX has also used insulting language which implies I was somehow aware of their 30 day system, which is false.
|
| 03/10/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American |
|
On XX/XX/XXXX I took out a loan for {$20000.00} with Prosper loan for a voluntary XXXX. I decided against the XXXX and went to pay back the loan. I was told that an extra {$2000.00} had been added above the one-month interest charges for the use of the loan.
Loan # XXXX PAID OFF XX/XX/XXXX www.Prosper.com Amount Principal Interest Status Account Used XX/XX/XXXX {$22.00} {$22.00} {$0.00} Success - XX/XX/XXXX {$9000.00} w/ {$5.00} fee {$8900.00} {$17.00} Success - XX/XX/XXXX {$20.00} - {$20.00} Success XXXX XXXXXXXX XXXX XX/XX/XXXX {$40.00} {$12.00} {$28.00} Success XXXX XXXX... 7XXXX XX/XX/XXXX {$13000.00} {$12000.00} {$12.00} Success XXXX XXXX. XXXX This seems like an excessive charge, when I called them on XX/XX/XXXX I was told that my {$2000.00} was for service charges.
I did not receive fair warning that such a charge would be leveled at me should I take that loan, and that I would have to pay up front.
Please Help, XXXX XXXX XXXX
|
| 10/28/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX XXXX, XXXX, WA.
A XXXX XXXX called intimating that we were late on a payment, which is not the case. She had no clue as to terms of the settlement their firm was handling for a third party lender. She was down right insulting, full of inaccuracies and just wrong.
I asked to speak with here supervisor. XXXX XXXX ( sic ) stated this person should not have called even though they sit right next to each other. She is new, was the response! I asked about training, policies, procedures and internal controls. She had no response.
I asked XXXX to speak to her supervisor, XXXX XXXX ( sic ) an attorney with the firm. Not in office, left a voice mail.
This firm is not in control of its personnel and to be contacted like this is just wrong.
If we consumers don't speak out, reforms inside firms like this may not take place.
Not sure if you have had complaints with this firm previously, but something is not right with this firm.
|
| 08/26/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Servicemember |
|
I'm making advance payments on a loan - the loan is current and I'm making additional payments. The lender is not applying additional payments to principal even though their contract states they should do that. I've called them 16 times and been put on-hold each time, for up to 45 minutes. When I do get through they either refuse to correctly classify the payments ; tell me they will let me speak to a supervisor then put me on a long hold and disconnect the call ; or simply disconnect the call.They don't acknowledge emails or physical letters. Specifically these are the advance ( principal ) payments which the company is incorrectly crediting to interest ( total of {$1300.00} ) : XX/XX/XXXX -- - {$50.00} XX/XX/XXXX -- - {$50.00} XX/XX/XXXX -- - {$250.00} XX/XX/XXXX -- - {$25.00} XX/XX/XXXX -- - {$250.00} XX/XX/XXXX -- - {$250.00} XX/XX/XXXX -- - {$160.00} XX/XX/XXXX -- - {$22.00} XX/XX/XXXX -- - {$250.00} XX/XX/XXXX -- - {$50.00}
|
| 08/09/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Older American |
|
On XX/XX/2023, I responded to a prequalified loan offer from prosper.com. I filled out their requested personal information and submitted the online forms. I received another email asking for my bank information so they could, I assumed deposit the loan into my account. I submitted the information to them ( routing number & bank account number ). I received yet another email asking if I wished to get accept my loan ( which I did ). Sometime later I received another email informing me that they were sorry that they could not offer me a loan. I am very angry as they represented this as XXXX a prequalified loan XXXX. This would not affect my credit score, but when I check my credit score there was a hard inquiry placed on my report. XXXX. They have my bank information as well, which they should not have, as there is a potential risk of a data breach ( and data breaches happen often ). I have retained the emails I have received.
|
| 10/26/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Older American |
|
XXXX GOT CALL FROM A XXXX XXXX OFFER ME A LOAN FOR XXXX GAVE ME ACOUNT NUMBER XX/XX/XXXX PHONE XXXX TO HIS MANAGER XXXX XXXX XXXX HE CALLED ME BACK XX/XX/20 SAID TO SET UP XXXX XXXX ACCOUNT TO DEPOSIT XXXX FIRST PAYMENT AS I WAS NEW FOR THE APPROVAL SEND ME A CONTACT WAS LACKING A LOT OF DETAILS AND SAID THE LOAN WOULD BE IN MY ACCOUNT, SAID THERE WAS PROBLEM WITH MY ACCOUNT ON MY BANK THERE NO PROBLEM HE DID NOT DO THE DEPOSIT WAS THE PROBLEM. HE SAID THAT THE LOAN WAS A TAX AS HE IS IN NEW YORK I AM IN KY THERE IS A XXXX TAX SENT XXXX AND XXXX XXXX FEE TO GET MY XXXX BACK THEN SAID THAT WIRE XXXX THAT THE TRANSATION ON XXXX XXXX WAS XXXX THEN TOLD HIM FORGET THE XXXX AND HE SAID JUST PAY XXXX AND WILL DO THE DEPOSIT AFTER PAYING XXXX WAS NOT GOING TO PAY ANOTHER DIME AND REFUSING A REFUND THAT DID WANT THE LOAN. HE IS LIED AND DP WANT HIS LOAN NEED TO REFUND ME HE HAS LIED TO ME AND THE CONTRACT IS LACKING IN DETAIL
|
| 03/05/2018 |
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
|
|
Web |
|
|
Hello, I recently looked on my XXXX XXXX Account and noticed a few hard inquires with my profile.
1 - XXXX/XXXX - This was approved by XXXX and I should not have any hard inquiry with this card as it was approved and not declined. Please remove this from my credit account.
2. XXXX ( XX/XX/XXXX ) - XXXX will not list that this will affect your credit score, nor did I apply for paypal credit. They've not provided information on what this was for and I would like this removed as well.
3. Prosper XXXX ( XX/XX/XXXX ) - I did not apply for any loans, I did look at loan " offers '' through XXXX XXXX, but I did not apply for any to pull credit information from my account.
4. XXXX XXXX. ( XX/XX/XXXX ) - I had a secured card from XXXX XXXX, therefore this should not effect my credit score, I did not apply for any other card besides the secured card that I had opened.
Please remove these from my account.
|
| 10/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
According to Federal law 15 U.S. Code 1681s-2 ( 7 ) ( A ) ( i ) ( A ) Notice to consumer required ( i ) In general " If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. '' In XXXX of 2022 PROSPER MARKETPLACE acct XXXX furnished negative information onto my consumer report ( late payment ) with out providing notice in writing.
If this person claims to have sent me in writing that it had intentions of furnishing said negative information please have them send me a copy of said letter and a wet signature of mines confirming receipt of the writing.
|
| 12/20/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
Servicemember |
|
I was involved in an automobile accident XX/XX/2022 and became XXXX going through physical therapy with severe bodily injuries with total loss of income. Had payment protection on all my credit card accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all have Credit Protection Plans and was triggered. All the listed credit bureaus were inform and failed to apply the protection as violation of Federal Trade Commission Act ( FTC Law ), Violation of Credit Protection Act, Truth in Bureaus reporting act, and violation of Federal truth in credit disclosure act. All lates and deragoratory informations be remove immediately as matter of Federal and State law. I am disputing all lates, charge off, and balances. Requesting a full refund for misrepresentation and breached of contract.
|
| 11/02/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
A fraudulent charge of {$5.00} on XX/XX/23 was made and again on XXXX for {$79.00} reported both fraudulent charges on or about XXXX when charges were noticed. As of XXXX Prosper still has not resolved the issue and continues to charge daily interest on the total amount and recently added XXXX cents of credited interest, this type of practice should be looked into! I closed account as of XXXX due to Prosper in action talked with XXXX different agents on different days each one stated, " I have reported the fraudulent charges so the fraud team can look into it! ". Not one agent has ever stated the case is still open and provided a date is resolution, every agent relayed that it was being reported of new. They make you verify your account with more security than removing a fraud claim! They also closed my account and closed access in app faster! This company definitely needs to be looked into!
|
| 06/01/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I applied with Prosper loans for a {$10000.00} loan on XX/XX/XXXX. The same day I received an email stating that I had been " approved '' and had a big button imploring me to accept my loan. Prosper continued to send me emails throughout the next few days including one on XX/XX/XXXX stating that my {$10000.00} loan " is still waiting. '' On XX/XX/XXXX I decided to complete what I thought would be the final steps to obtain the loan. I added my bank account information as requested by Prosper and signed paperwork allowing for a hard inquiry of my credit report. After completing, come to find out that my loan had actually not been " waiting '' for me as indicated by Prosper 's previous emails. The hard inquiry on my credit Prosper initiated only allowed me to be placed on their online " listings '' and that they still needed to find an institution or person that would actually fund my loan.
|
| 08/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
|
|
Prosper Marketplace IncXXXX, on the first date of use ( XXXX ) was arbitrarily restricted without notice or communication. Customer Service advised via phone that card was restricted for suspected fraud but could not provide details on which specific transactions. The terms of my use can not be honored and I found the company 's business practices to be both unreliable and unethical. I made the decision on XXXX to transfer the balance and close the account. Once again I contacted customer service and was advised that the company would not support the balance transfer which I never heard and was never provided documentation for. I have never heard of a company that I could not transfer a balance from and wish to never conduct business with one of this caliber again. I was not allowed to speak with a supervisor and have yet to receive any communication regarding this card restriction.
|
| 11/10/2018 |
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
|
|
Web |
Servicemember |
|
I owed approximately {$730.00} to XXXX XXXX, {$4000.00} to Prosper Market Place and {$2200.00} to XXXX XXXX. The account ( s ) were closed, charged off and sold to XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. After I paid the account ( s ) in full I was told that the three mentioned companies would change the status on my credit reports to " Charged Off, paid in full '' after XXXX XXXX reported to XXXX XXXX, XXXX XXXX XXXX reported to XXXX XXXX and XXXX XXXX reported to Prosper Marketplace the account ( s ) as paid in full to them. It has been over six months in one case and an approximate month on the others and no change has occurred.I have contacted XXXX XXXX, Prosper Marketplace and XXXX XXXX and no action has been taken. I have disputed the accounts via the three credit bureaus ( XXXX, XXXX and XXXX ) and still nothing. Attached are the Paid in Full letter ( s ) for your review.
|
| 01/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Hello. Theres has been an illegal action placed onto my credit report. XXXX report. Possibly the others as well. This is an illegal action as Im currently in the middle of a bankruptcy XXXX XXXXXXXX which was filed on XX/XX/2022. As of XX/XX/2022 an illegal charge off entry has appeared by Prosper LLC on my credit reports. XXXX so far.
A creditor can not place a charge off entry onto the credit report of someone who has filed bankruptcy, after the bankruptcy, filing date, during the bankruptcy, and after discharge. I am requesting that the credit bureaus be contacted and that this charge off entry be immediately removed. XXXX XXXX. Cell number XXXX XXXX XXXX. Prosper credit card number was XXXX XXXX XXXX XXXX. This is a an illegal action perpetrated by prosper LLC from what I discovered. I will also be contacting my attorney next week after the XXXX about this matter as well.
|
| 05/21/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
On XX/XX/XXXXmy credit union issued cashier 's checks to payoff loan numbers XXXX for {$1600.00}, XXXX for {$3800.00} and XXXX for {$2000.00}. On XX/XX/XXXX these paymemts still were not posted on Prosper 's end so thinking they were not received I placed a stop payment on them to reissue new cashier 's checks. OnXX/XX/XXXX they were finally posted but now no good.
On XX/XX/XXXX I sent the new cashier 's checks via certified mail requiring a signature. USPS tracking number XXXX in which it was delivered and signed for at the front desk onXX/XX/XXXXat XXXX Needless to say these loans are now past due, have accrued fees and can very possibly hot my credit negatively. I received a call from Prosper at my place of employment with absolutely no attempt to contact me on my cell phone. I was told it can take two weeks to post my payment!!! Why are they holding my payments??
|
| 08/15/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I was sent a promotional offer email from Prosper saying if I completed a loan offer before XX/XX/2018 that I would be eligible to receive a {$100.00} VISA giftcard. I completed my loan offer and the loan was approved on XX/XX/2018. After about 6 weeks, I followed up on two different occasions with Prosper to get the status on the giftcard. They mentioned I was ineligible because I didn't follow a certain " link '' to finish my loan. This should be irrelevant as it was not mentioned in the email that a loan must completed in this manner and I still completed a loan by the deadline.
I dispute the claim that I am ineligible because I did all things necessary in the instructions. I believe this to be a false advertising scam by the company I am submitting this complaint for them to resolve this matter and send me the {$100.00} giftcard that should have been sent by now
|
| 01/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
THIS HAS NEGATIVELY AFFECTED MY CREDIT AND ABILITY TO MOVE AHEAD IN LIFE. TWO COMPANIES THAT WERE INCLUDED ON A BANKRUPTCY, WHICH HAS BEEN DISCHARGED TWO YEARS AGO IN FEDERAL COURT.
XXXX XXXX XXXX BOTH FIRMS HAVE CONTINUED TO REPORT THAT ACCOUNT IS ACTIVE WITH AN ACTIVE XXXX AND IM MISSED PAYMENTS!
BOTH COMPANIES WERE ON BANKRUPTCY AND WERE INFORMED BY MAIL BY MY ATTORNEY AND THE US FEDERAL COURT.
I WANT TO SUE THEM. I HAVE CALLED BOTH COMPANIES IN THE PAST TWO YEARS TO EXPLAIN WHAT THEY ARE DOING IS BREAKING THE LAW, AS FAR AS REPORTING ACTIVE ACCOUNTS AND ACTIVE BALANCES. I DONT CARE THEY REPORT BALANCE WAS DISCHARGED THATS OK. THIS HAS PREVENTED ME FROM GETTING THE PETSONAL AND BUSINESS CREDIT I DESPERATELY NEEDED AND NEED ESPECIALLY DURING XXXX, WHICH CAUSED MY BUSINESS TO LOSE 75 % OF ITS VALUE IN THE PADT TWO YEARS.
HOW DO I PROCEED WITH LIABLE LAWSUITS?
|
| 06/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I applied for a personal loan that I was preapproved for XXXX $ at Prosper Funding. I emailed all the documents requests to varify my income and on my last conversations XX/XX/XXXX I was told I needed to fax one last document and my loan would be approved. After I emailed the last document the loan officer changed his mind and decided not to approve the loan after telling me it will be approved. I called on XX/XX/XXXX asking why it was approved and the loan officer said they decided to lower my income and not approve the loan now even after telling me it was gauranteed to be approved. I requested the hard inquiry be removed from by XXXX 's since I was lied to and the rep refused. I was on hold for a long time for a manager so i had to hang up. I emailed customer support at Prosper on XX/XX/XXXX to remove the hard inquiry on my XXXX 's will no response to date.
|
| 12/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Problem getting a working replacement card
|
|
Web |
|
|
I applied for a card on or around XX/XX/2022 and was approved. I was notified that a card would be received in 7-10 business.
I requested a replacement card a month later on or around XX/XX/2022 because I figure at this point its been lost in the mail.
I reached out to the company via their website contact us email and have been getting multiple inaccurate and indescript explanations about supply chain shortages etc.
Issues are : 1. The information about 7-10 days to receive card is false.
2. A digital card is available for 50 % of the approved limit making the information on my credit report that they are reporting as inaccurate.
3. Offering credit cards that are not available to consumers is just wrong and deceitful.
Its been close to 2 months with no sign of the card user agreement or card.
This companys practices should be investigated.
|
| 08/15/2020 |
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
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus pandemic we are all facing which had me sitting at home and I saw the recent news about multiple XXXX data breaches I decided to look at my credit reports from the 3 Major Credit Bureaus. I found that someone has used m personal information to obtain a credit card. I contacted the credit bureaus and I was told to file and Identity Theft report which I am doing right now. I am writing a request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. I appreciate your effort to get this matter resolved. Thank you.
|
| 03/13/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
I contacted Prosper to inform them of their violations against me as a consumer and was told they had the right to deny me for a line of credit.
Prosper is in violation of U.S. Code $ 1681m - requirements on users consumer reports ( a ) DUTIES OF USERS TAKING ADVERSE ACTIONS ON BASIS OF INFORMATION CONTAINED IN CONSUMER REPORTS If any person takes any adverse action with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall ( A ) Duties, generally ( ii ) does not include- ( I ) information solely as to transactions or experiences between the consumer and the person furnishing the information ; or ( II ) information in a consumer report.
Late payments are considered transactions which is a violation.
There was also unauthorized use of my credit card by this company.
|
| 09/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I, unfortunately, had to file bankruptcy in 2015. One of the accounts included was a Prosper Marketplace Loan. I have disputed the way they are reporting on numerous occasions ( at least 6 ). They report to XXXX monthly that the account is charged off with a balance and payment is late. They report to XXXX the account is charged off no further action, no monthly updates because it was included in a bankruptcy. I understand the item will remain on my credit for two additional years, however, it is my understanding they are not allowed to continuously show a balance and late payment I am working extremely hard to repair my credit, it is very discouraging to have my score drop every month when they report me as late. over the last five years, I have not missed one payment for any company and paid off some that were in the 2015 bankruptcy.
|
| 10/10/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account.
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the Prosper Marketplace Loan account .Ive Been trying to verify this account for four months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof
|
| 10/25/2022 |
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
|
|
Web |
Servicemember |
|
I was shopping for a new loan with a better interest rate. While navigating on line, Prosper XXXX assured me there would be NO HARD inquiry on my credit files. Everything they advertised on line was completely misleading. Specifically, it stated it would so SOFT inquiries only. Somewhere in the process, I started receiving credit alerts that my files had been accessed and now I am stuck for another YEAR with a hard inquiry on my credit files. I want it removed! I called Prosper XXXX while in their system when I received the alerts about what happened. They stopped the on line application that I had no idea I was filling in. I am not too afraid to shop around.
I have called this place at least 5 times to argue, but to no avail. They should have a class action suit brought against them for false and misleading statements on line.
|
| 09/17/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
|
|
Web |
|
|
Is a report of a fraudulent site they called me and told me I was approved for a personal loan when they sent me the website to go on to the personal loan I noticed it was prosper finance.site immediately got suspicious on upon going to the site I seen that they wanted your routing and your account info and then also your user ID and password this is a common scam and what they do is once you put that info in they have access to your account and they'll start moving money and doing whatever they want with it and it's definitely XXXX on the on the phone they are XXXX and they are scam artists and this has happened to me several times and the website is this prosperfinancial.site Don't even know why these can even exist this should be something that's found right away and shut down but yet they continue and fraud people everyday
|
| 07/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
Prosper Credit. I had a Prosper Credit Card. Admittedly, the account went late by a couple months. However, they closed the account and locked me out of their system. I tried to make payments four different times by phone. They claimed they couldn't find me in their system without my account number. The account was closed in XXXX. It is now XXXX and I have tried unsuccessfully to make a payment every month since XXXX. They would not or could not allow me to make a payment. Their collection people called me today and asked if I'd like to make a payment over the phone... with 4 months of late fees and over limit charges added on ... .as well as continuous negative reporting on my credit report. I'm furious that this is allowed to exist. They should be fined into oblivion. My credit is RUINED because of their inability to funcion
|
| 11/10/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
ProsperXXXX appears to be preventing shopping around for best interest rates. Received e-mail that said our rates are lower than before, please click to see new rates available. I clicked on advertisement and after entering some information they said have to decline offer as was declined within last 120 days. I called the customer service number said, I have a loan with prosper and was checking the rate in the advertisement for a lower rate. They said that I must of applied to an affiliated company within last 120 days, such as lending club ( which I did to see what their rate was ) and therefore ca n't consider an offer. Customer service said, need to be careful and not click on those advertisements. I said that sounds like Prosper is preventing people from shopping around for the best interest rate. Customer Service agreed.
|
| 09/26/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
The initial TILA docs showed a due date of approximately 45 days from the time I initiated the loan without revealing the actual due date is 30 days from the time the loan is closed. The final TILA docs show my due date of the XXXX of each month which caught me by surprise. The company refuses to change a due date to reflect the due date originally provided to me via the original TILA docs. I called the company and the representative stated that the original TILA shows 1 month and 14 days to allow for closing times. The TILA does not show the time frame otherwise that the first payment is 30 days from closing date. The company tells me I have 14 days from due date to avoid late fees. This is unacceptable to me as is not the due date I expected from the original TILA documents. This is an unfair and deceptive lending practice.
|
| 04/23/2018 |
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
|
|
Web |
|
|
I paid {$3800.00} on XX/XX/XXXX paid my account in full. I was told by several representative that they report to XXXX XXXX every XX/XX/XXXX. Nothing has been reported. I called XXXX XXXX and opened a dispute on XX/XX/XXXX. I called an spoke with manager XXXX XXXX at Prosper Market Place that they reported and it is not his problem when XXXX XXXX updates there information he said he could send me out a paid letter in full which he did not. this was on XX/XX/XXXX. I called XXXX XXXX XX/XX/XXXX spoke with Supervisor said there still was no update and my dispute came back showing the same thing not paid. I have gotten but poor customer service from Prosper Market Place.
The total payments in all was {$5600.00} paid off in 12 months ( loan term was 36 months I paid it off early ) Loan originated XX/XX/XXXX interest rate 9.46 %
|
| 12/04/2017 |
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
|
|
Web |
|
|
OnXX/XX/XXXX, I discovered credit item Prosper Marketplace account number XXXX had been re-inserted into my credit file. I disputed the tradeline with XXXX and on XX/XX/XXXX, the tradeline came back Verified as Accurate. Per the FCRA, XXXX is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. As evidenced by my report datedXX/XX/XXXX, the Date Closed states XX/XX/XXXX and the estimated removal date states XX/XX/XXXX As evidenced by my report dated XX/XX/XXXX, the Prosper Marketplace tradeline is no longer listed. Now according to my report datedXX/XX/XXXX, the tradeline is listed with a Date Closed of XXXX/XXXX/XXXX and estimated removal date of XXXX. This item has resurfaced after the FCRA reporting period has expired so this item must be deleted.
|
| 01/26/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
This lender has an address on their website where payments are to be sent. I 've sent in payments via certified mail and although the lender has received the payments, they will not post them to my account. Their " payment '' mail box is either unmonitored or they are deliberately holding payments in order to collect fees. I 've attempted to call the customer service number to discuss the matter, however regardless of the time or day, the recording always indicates that I have reached them after hours. I have additionally attempted to reach them via the email link on their website, which does not function.
I sent my payment in and the lender received it. I believe that they have a responsibility to post payments the day they are received. At this point my payment is delinquent because of their failure to act appropriately.
|
| 08/12/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
Older American, Servicemember |
|
I have a XXXX with Prosper. I was getting ready to make my annual trek to XXXX. I processed an electronic ACH payment from my credit union account to my credit card so I could use it. Prosper received the payment on the XXXX. Today is the XXXX and the payment still has not posted. When I called Prosper, they informed me it will take 5 business days for the payment to post. When I asked why, I could not get a straight answer other than they had to wait to ensure the funds were good. This is an electronic payment where the money was pulled from my account, processed through and electronic ACH clearing house and sent to Prosper. The money is good. When I asked to speak to a supervisor, none were available. By the time they post the payment, I'll already be back home. Their business practice is contrary to all Federal ACH laws.
|
| 11/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I declare under penalty of perjury ( under the laws of the United States If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 US C 1001. Additionally, these misstatements are punishable as perjury under 18 U S.C 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company - without my authorization- used my personal identifying information to apply for goods services or money and was successful in creating some accounts All ls being Investigated by the FTC XXXX
|
| 06/20/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
Servicemember |
|
I was recently advised that my Prosper credit card and XXXX XXXX card were closed. In regards to the Prosper account, I was 30 days late and once I attempted to make a payment on XXXX XX/XX/XXXX I learned my account was closed. I called to question and I was advised that my credit was run again ( which I feel was unnecessary because I already had an established account since XX/XX/XXXX ) and that they determined I was no longer eligible so they closed the account.
XXXX XXXX accepted my payment on XX/XX/XXXX and now the account is closed. I called the XXXX number but customer service could not provide me any valid reasons.
By closing these credit cards it has caused harm to my credit report.
This is a great concern because how many other people have this very thing happened to them? This is clearly bad business practice.
|
| 10/07/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I applied for an extension of credit today for personal, family, and household use and was denied by XXXX XXXX Prosper Marketplace Inc XXXX According to federal law in accordance with the Equal Credit Opportunity Act, it is against the law to proclaim adverse action against a consumer. I, a natural woman and living soul issued value ( my social security number ) for a request of credit and am demanding proceeds be paid. An offer of credit was extended and accepted but XXXX failed to perform as agreed. I have XXXX given unalienable rights, and nothing trumps those rights. I have attached my denial showing evidence of discrimination, making XXXX criminally liable. I have also attached my adverse action letter stating XXXX rectify this affair, otherwise this would be considered an unauthorized use since I received NO BENEFIT!
|
| 12/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information is incorrect
|
|
Web |
|
|
I would like to request the following items to be remove off my credit report " XXXX and XXXX " in the next 30-45 days if possible. I have never applied for credit or benefit financially in anyway from these two companies. I previously contacted " XXXX XXXX '' and explained the situation and they assured me to fix the problem. It's been 8 months since the last contact and nothing has been resolved. The following item is damaged my credit and it's jeopardizing my ability to find housing because my credit decreased Please expedite my case since I have worked diligently to have a decent credit and having a negative or a hard inquire mark in credit report is jeopardizing my ability to find housing or credit anywhere else. therefore Id like to see this matter to be resolve in sensitive time manner.
Sincerely, XXXX XXXX XXXX
|
| 01/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
On XXXX/XXXX/XXXX my dispute of a questionable reporting from Prosper Marketplace via certified mail # XXXX XXXX XXXX XXXX XXXX was returned to sender.
The address on my credit report showed as XXXX XXXX XXXX in XXXX XXXX, CA as of XXXX/XXXX/XXXX which was the date the letter was drafted.
More than 30 days has passed without a response. Per federal regulation this item must be immediately and permanently removed from my XXXX XXXX and XXXX credit reports. Please see attached dispute and supporting docs.
My dispute requested that Prosper provide the substantive information used to verify and authenticate the purported account. I have suffered identity theft breaches in recent years and require this information. The failure to respond within 30 days constitutes an immediate removal of this item from my credit report.
|
| 10/15/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
On XX/XX/XXXX I went in a settlement arrangement with prosper on my loan. I had a fixed payment due every month on the XXXX. I have paid it religiously every month. This month not only have I had a report on my credit report for a late payment which is untrue but I ha e also called and email asking why that is and asking this to be fix. I went to pay on bill today and my account still shows a late payment, a fee for late fee and the original amount of the payment before the payment arrangement. I signed paperwork in XXXX for this arrangement and I expect prosper to live up to their arrangement with me. I have read all kind of complaint against this company that NO ONE is doing anything about. I expect help with this problem and not have it sweep under the rug! Also I spoke with XXXX a supervisor in XX/XX/2021XX/XX/XXXX
|
| 01/20/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
In XXXX, I had a major XXXX, was off work for XXXX XXXX, missed my {$30.00} payment. They allowed a transaction to go thru that was over the limit for {$110.00}. This created a landslide of over the limit fees, late fees, merchandise fees, Ballooning the minimum payment. In XXXX I contacted prosper to ask if they had a program to help since it was a medical situation that contributed. I was told I didnt qualify. I asked for the card to be shut down and fees stopped so I could pay it off and be done with it, again refused. The minimum payment is now {$810.00} on a card with a {$700.00} limit. There is absolutely no way to get a handle on this card when they are increasing the payment at this rate. I want the card shut down so the fees will stop and I can get it paid off. I do not want this account or their business.
|
| 02/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XX/XX/2022 RE : 15 US Code 1666b - Timing of payments- Legal Information.
Dear Sir/Madam : I checked my personal credit report, which I acquired from my XXXX on XX/XX/2022 and I noticed a late payment from your company on it. I request that you initiate an investigation into late payments pursuant 15 USC1666b -Timing of payments to determine if PROSPER MARKETPLACE was in compliance of this law when issuing this late payment on my report. Once your investigation is complete, and you find my allegation to be true, please remove the unauthorized late and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.
|
| 07/14/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
An account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX USA was opened in my name, using my identity, without my consent. This is a fraudulent account. I had to close my bank account and reopen a new account because the person using my identity had access to my banking information and phone records. My computer data was compromised last year and it is believed that is how whomever opened this account was able to gain access to my personal information. I have placed multiple disputes with all 3 credit bureaus. The account was opened in XX/XX/2022 and the credit line is {$500.00}. The current balance owed is {$900.00}. I have placed multiple calls to Prosper as well only to constantly be told that they can't transfer my call to the fraud department because they are having technically difficulties.
|
| 11/08/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XX/XX/2021 via certified mail with return receipt, with the following tracking number ( XXXX ), I consumer XXXX sent Prosper CEO, XXXX XXXX a CEASE AND DESIST letter, along with an Affidavit of Truth. On XX/XX/2021 it was delivered, but Prosper failed to sign the return receipt acknowledging they received the communication. In the letter, it stated to cease and desist the collection of this alleged debt as well as cease contact with 3rd parties such as the Consumer Reporting Agencies. Prosper willingly continued to contact these 3rd party Consumer Reporting Agencies. Prosper also failed to rebut the affidavit. An unrebutted affidavit stands as truth in commerce. Prosper further closed the account as a charge off, which is also a violation of the cease and desist letter that they received on XX/XX/2021.
|
| 06/11/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
I spent 2 days submitting info to Prosper.com. They have it so you can sign in through email or password. So i get an email saying my loan had been denied and to log into prosper to find out why. Prosper closed my account BECAUSE the loan was denied and therefore gave no access to find out why. When i called they said that it was something about income verification and that the form i provided didn't meet their requirement. They literally told me to log into an account that they had closed. Didn't even try to get the proper verification for my financials. So they denied my loan over something that could have been rectified, closed my account so i couldn't fix this issue, then told me to check my prosper mailbox to find out why it was rejected AFTER THEY CLOSED MY ACCOUNT. Spent two days and many hours.
|
| 04/28/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
|
|
I was told to receive money for verification and I was to send it back. I sent the money to them via XXXX Then I was told that the money would be in my account next day and it never showed. I tried to cancel the loan and they told me the first time that I only have to send XXXX XXXX dollars to them and it would be clear. Once I sent the money to them. They told me that I had to send XXXX dollars. Once I refuse to send them the money, they threatened to send me to jail if I did not send the money to them and told me that I would have a negative balance of XXXX in my checking account. I thought by giving them my account information, that I would be able for them to put my loan money into my account and that was the end of the matter. Now Im in the negative XXXX dollars and I am making a complaint.
|
| 05/10/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a victim of Identity Theft, a relative of mine opened 2 prosper loans without my permission. I contacted Prosper Marketplace in 2014 and disputed the accounts through their Fraud Department which said they would close the accounts and delete them from the CRA, Prosper started reporting both accounts again to the CRA in addition I have been Disputing the accounts through 2 debt buyers, XXXX and XXXX XXXX which I have also sent them the Identity Theft Report from the Federal Trade Commission. I have called numerous times to Prosper and they take my phone number and that their Supervisor is going to call me. According to Prosper both accounts are marked as Fraud in their Department. I will send Prosper again the Notary Identity Theft Complaint and Affidavit and the FTC Identity Theft Report.
|
| 12/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Prosper Funding LLC continues to inaccurately report this account. As the holder of the contract I have initiated arbitration for fraud. Prosper Funding LLC failed to disclose the contract is the security that is being used. Not only is Prosper Funding LLC benefiting from the trading of the security they have kept all proceeds from the trading. As the registered owner of this security I am entitled to the profits and interest that my security has generated as an investor of Prosper Funding LLC. Since Prosper has failed to answer to my demands as a protected consumer I have initiated arbitration and Prosper Funding LLC is violating law by continuing to report this account delinquent and take money from my. Until the arbitration action is concluded Prosper Funding LLC is barred from reporting.
|
| 04/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
Servicemember |
|
My card is with Prosper/XXXX XXXX XXXX On XX/XX/XXXX my card was restricted with no reason. My balance is low ( {$250.00} out of {$800.00} ) and I have made multiple payments. No late payments. I called and was told they were checking my account for fraud and it would be cleared up in 24 hours. 4 days later they emailed me that I needed to make an additional payment to have the card unlocked. I had already paid that month 's payment but I paid an additional amount. The next day my card was still locked and I called. This is now XX/XX/XXXX. I was told that they just have my card restricted for an undetermined amount of time. They would not let me speak to the fraud department or a supervisor. I insisted to speak to a supervisor and I was left on hold for 20 minutes then the line disconnected.
|
| 12/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I was looking over my charge card and notice a small fee for a cash advance I have never taken out a cash advance on this credit card or any other credit card.
Called the issuing card on numerous occasions and getting no where.
I have emailed. There response is to call and set up a dispute after numerous attempts to do so. again no where. Called again, explained the situation again. Told me to call this number. I did It was a fax number. Called again, Got a another number. NO One has called me back.Called agin.gave me the same run a round. Called again, now was told someone would call me. No call. No email.
Every month first amount I noticed was XXXX XXXX on XX/XX/2022.
XXXX it was XXXX XXXX. it is now XXXX and the amount is up to XXXX XXXX.
The credit card company is called Prosper
|
| 07/10/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I believe my identity was compromised due to the data breaches from XXXX, XXXX XXXX XXXX and XXXX. Further, I believe that there are situations arising from that fact that my SSN is one of a sequential sibling numbering and two of my siblings are deceased. That coupled with the fact that I have an ex who knows my SSN and personal information and a relative of one of my deceased siblings who also know that information, that debt has been obtained in my name using new accounts and existing accounts.
I want to see all of the information used to obtain this debt and make charges against it. I want all pertinent information used to verify identity and approve this debt. I am concerned that debt was authorized in my name without verifying it was me seeking the debt and getting benefit of it.
|
| 10/13/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I applied for a loan. They told me the loan was approved at a specific interest rate for 5 years and a specific payment amount. All I had to do was login and accept the offer. They said a soft credit check would be done to determine my interest rate, then a hard inquiry after I accepted the approved loan. I logged in and accepted the offer, only for them to turn around and state that the loan application was denied and they did a hard inquiry so now it on my credit report, which will affect my credit score and me subsequently looking for another loan. If they knew you were going to deny the loan they should not have done an hard inquiry. And how can you say the application was approved, only to deny it after the offer put fort by the company was accepted.
https : //www.prosper.com/
|
| 02/19/2019 |
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
|
|
Web |
|
|
In XX/XX/XXXX, I took a loan from Prosper Marketplace , Inc . Sadly, I was not able to keep up with payments on that loan. I was current on the loan for XXXX - XX/XX/XXXX. I never made a payment again. I never communicated with the company or made any alternate payment arrangements.
In XXXX - XX/XX/XXXX, Prosper reported my account as current. I believe Prosper did this to extend the time period in which the account will appear on my credit report. Now, the account will continue on my record until XX/XX/XXXX. Also, I believe they incorrectly reported this to extend the statute of limitations on the collection of this debt.
I disputed this information with them and with XXXX and XXXX. Prosper confirmed their information to the bureaus. My credit reports have not been updated.
|
| 05/05/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
Please note this complaint is about being an investor in Prosper, a peer to peer lender ( similar to XXXX XXXX ), but there was not an option to select for this. Between XXXX I investe d ~ {$1300 0.00} in various notes and Annualized Returns for the period averaged around 10 % for this period. I recently received an email saying Prosper had incorrectly calculated the Annualized Returns, so they now appear to be about one half of what they initially stated, including a negative return in XXXX . Had I known actual returns were less than one half of what was stated, I would have not continued to invest in loans. From speaking with a manager, it sounds that this was unintentional error, but nonetheless my investment decisions wer e based on their information.
|
| 08/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am writing to file a formal complaint against Prosper Funding LLC regarding their repeated failure to provide me with the necessary Form 1099-C for tax purposes. I have made several attempts to obtain this form, and their lack of responsiveness and failure to fulfill their obligation has caused me significant frustration and concern.
Account Information : Account Holder Name : XXXX XXXX Account Number : XXXX Charged-Off Amount : {$25000.00} Date of Charge-Off : XX/XX/ I trust that the Consumer Financial Protection Bureau will address this matteXXXX promptly and ensure that my rights as a consumer are upheld. I am prepared to cooperate fully with any further inquiries or actions that may be required to resolve this issue.
Thank you for your attention to this matter.
|
| 05/24/2022 |
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
- Was not notified of investigation status or results
|
|
Web |
|
|
The account was reported past due in XX/XX/XXXX and it was reported to the credit bureaus that I have a missed payment. I spoke to their customer service dept as this was an autopay set to pay minimum each month. It was determined after to speaking to their support that the program they use to link bank accounts migrated incorrect information into their app resulting in several declined payments that I was not aware of. Once the issue was fixed the balance was paid in full. I asked support to note the account to remove missed payment as this was not my fault. I submitted disputes through XXXX and XXXX with no resolution. I filed a complaint directly to creditor and have not received any updates. The missed payment remains and I dont feel I should be penalized for this.
|
| 06/21/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Servicemember |
|
I tried to get a loan with this company XXXX XXXX. They approved me for {$2000.00}. After approval they contacted me and told me that there were going to deposit {$800.00} into my account as a versification process that I would then have to withdraw and send back to them. This sounded highly irregular so I declined. They then proceeded to tell me that it was too late and that if I did not return the money to them after the 2hr time period it would take to transfer the {$800.00} to my account that they would contact the local police and have me arrested. They also said they would contact the SSA to get the money from my taxes. I told them to cancel everything. I dont want the loan. They refused to cancel the loan process. This happened today XX/XX/18 between XXXX.
|
| 09/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/XXXX I entered into a settlement agreement with Prosper. We agreed to a reduced amount of the loan as long as I paid as per the settlement. My payments were reduced down to {$180.00} until XX/XX/XXXX then the last payment would be {$110.00} due on XX/XX/XXXX. Since XXXX I have made all the payments on time, yet, the payments on the account look like I have not paid per the agreement b/c the payment amount is no the " original '' complete amount. So it is the constant rolling 30 day or more late. Once it becomes 60 days late according the the account they then report me late, but technically I am not as I am making the payments at least a day or two before the due date. They have now reported me late once again this month and this is not correct.
|
| 01/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
|
|
On XX/XX/2022, someone called with XXXX number saying was from XXXX XXXX, just want to verify my phone number with account. I was suspicious. I immediately call XXXX XXXX and they said that there was nothing wrong with my account. The person continued calling me over 10 times and I refused to answer. At the time, I notice a welcome email from Prosper. I didn't want open it nor any subsequent email from Prosper. However, I received a credit card with a snapshot of spending on it. So I called Prosper -- again, without providing personal information like birthday, etc. other than my name that was already on the card. The person, XXXX, stated that he submit a request to close the card and close any information on it. He also provided a ticket number, XXXX.
|
| 03/24/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Emailed XXXX early on Friday XX/XX/XXXX to ask for forbearance plan or skip a pay fee waiver or any other program for those affected by covid-19 like myself since I had a payment that would be auto-debited on XX/XX/XXXX. I did not get any response at all. Monday XX/XX/XXXX I emailed again. Early the next morning the payment was debited. I think institutions are supposed to be working with affected customers at this point which would at least involve SOME communication. Answering an email request for an online lender seems pretty reasonable of an expectation to me within 4 calendar days. Now I'll get an overdraft fee from my other bank too which is only their fault to the extent they didn't answer my email like it says they will within 2 business days.
|
| 06/03/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I was injured on XXXX XXXX , 2016 . I made my XXXX loan payment, but called Prosper to let them know I could not make full loan payments until I recovered from XXXX and went back to work full time. The prosper representatives I talked to promised a " program '' that might allow me to move my payments to the end of the loan, but only after making three additional payments. It sounded suspicious, so I questioned them very carefully. This program was a lie. No such program exists. They only admitted this after suggesting I borrow from friends and family to make these " qualifying '' payments. Lies may not constitute fraud, but I was lied to, outright, in an effort to bilk money from my family while I was injured and unable to afford anything.
|
| 12/31/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
My wife and I are both unemployed at the moment and we need a forbearance for three months or a payment plan that takes our payment down so we can afford to make the payment. On their website it say to contact them if your affected by Covid and to send a email to their support email. I have sent emails for 5 months now but they just close the email and never do anything to help!!! I have made the payments the best I can but now that unemployed is miss up we have no money coming in!! We have a XXXX XXXX XXXX that has no XXXX!! We are trying to keep food on the table!!! We have ask for help and I dont understand how you say you will help people with Covid but then do nothing! I feel this is a predator Loan and someone needs to look into this company!
|
| 06/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This company has two accounts listed on my credit report for loans that I did not take out. I have asked this company to provide me with all of the documentation that shows how this account was opened. The company has refused to provide me with this information. I have informed them that another account was opened in my name during the same time and that situation was quickly resolved. I was actually unemployed when these accounts were opened. The problem here is that I have never received any correspondence from this company about these two loans at any time. I have not received anything that stated they were trying to collect a debt owed. I found out about these accounts because they appeared on my credit report two years ago as being delinquent.
|
| 09/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I called the company in XXXX when I received my first statement. I should not have been charged the annual fee because I signed up for autopay on the day I opened the account. They told me in a couple of days, I would receive the refund. I never received the refund. I called back again and was told two billing cycles, and I would receive a refund of {$39.00}. I also received an email back in XXXX saying XXXX billing cycles from the company. I am going on my fourth billing cycle, and I have yet to receive the refund from the company. Every time I call to ask questions about the refund, I am told someone will follow up with me. First, it was XXXX business days, then I was told XXXX XXXX and I have yet to have this issue resolved with the compny.
|
| 08/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
In late XXXX or early XXXX I was contacted by a firm called Proposer Funding, LLC., claiming I had stopped making payments on an account I had with them. I notified them that I had never had any account with them, and to send me all documents repeated to the account. I was sent a number of account statements, but they refused to send the original contract or provide details as to how, when, and by whom, the account was opened. They stopped responding to my correspondence I was subsequently contacted by a firm called XXXX XXXX, XXXX. This firm claims to have purchased the original account. Again I requested all documents I'm entitled to under the FDCA. Again, no response. This firm has now filed a law suit attempting to collect the debt.
|
| 04/20/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
This the 2nd time been denied~ a loan. Was denied access to my credit from this bank. Stating that eye ' don't meet basic credit requirements and that they would be unable to extend credit at this time. This is not a determining factor, of me accessing my credit. In this consumer credit transaction. XXXX, am aware, that eye am the Consumer and Original Creditor and can not be denied an extension of my credit. Pursuant to 15 USC 1611. They are criminally liable for giving me false and inaccurate information, willingly and knowingly. Pursuant to 15 USC 1681 ( k ) denying me access to my credit is an adverse action and under the Equal Credit Opportunity Act qualifies as discrimination. 12 CFR Part 1002 Supp. 1 Sec 1002.4 ( a ) 1.
|
| 12/23/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
I have contacted Prosper on several occasions regarding the amount of time it takes for mailed payments to be posted to my account.
Because of a recent delay, I encountered fees totaling {$40.00}. After filing a complaint with the XXXX coupled with information from my financial institution XXXX XXXX XXXX, Prosper agreed to remove the fees.
Unfortunately, I have had a difficult time getting Prosper to follow through with their commitment. I have contacted customer service via phone on several occasions as well as forwarded multiple emails to XXXXXXXXXXXX to no avail.
Considering interest accrues on my account daily, it is critical that Prosper processes payments promptly as well as address consumer complaints timely.
|
| 04/20/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
well. I have XXXX credit score and income sourse from XXXX XXXX and i have shown that information to this company afer was highly preaproved however XXXX XXXX compared other borrower like me and then after feeling completing all sharing all my fanaciol information with XXXX afilated of XXXX they sent me an email telling that they could not figureout my income source, after all not even also this company asked me to share my private banking information and create a hard inquiries on my credit record without and any reliable results therefore I never tried to share or compremise my banking information unless otherwise was nesecery since and was preaproved and then denied but nothing more than real discremation. Thank you.
|
| 02/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
I made an extra {$100.00} payment on XX/XX/XXXX that bounced so a hold was put on my card, even though there was no payment due at the time. I called to remove the hold and the rep told me to make a minimum payment and the hold would be removed. I made two payments, both for more than the minimum payment on XXXX and XX/XX/XXXX. The hold was still active. I called again to have the hold removed and was told by a different rep that it would come off on XX/XX/XXXX. I didnt have any payments due and had made more than my min payments. Ive been a customer less than six months. I spoke with a supervisor who was not helpful so I simply closed my account. She made no attempt to remove the restriction nor to retain my business.
|
| 10/07/2021 |
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
|
|
Web |
|
|
On XX/XX/2021 at XXXX XXXX I received an email from a company called Prosper about a denied loan application that I didn't apply for, it went on to further explain to check my XXXX credit agency if the report was inaccurate. I first called Prosper and asked them about the email I just received from them, They went on to explain that they did not have anything on file that I applied for a loan. I also called XXXX to ask if they seen a Hard Inquiry on my Report, and they also stated that they did not see anything as well.
I don't feel easy about this due to they emailed me on my private business server. Can you please investigate this issue due to the fact that someone or something allowed me to receive that email?
|
| 02/05/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I have emailed and spoke to Prosper about calling my work. They continued to call even after payment arrangements were made online. I have the email ( XX/XX/20 ) where I asked them to stop calling my work which they acknowledged and I have spoke to them about calling me at work ( XX/XX/20 ) he said he saw a payment and will put to stop calling at work. They have been told several times to stop calling my work. I have the email, date of the phone call where I spoke to a representative and several phone pics of them calling my work. I would like to file an FDCPA complaint for harassment. The calls often times are no one saying anything or they will speak to my coworker, but not me when i get on the phone.
|
| 12/06/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
On XX/XX/ 2019, I received a call and email correspondence from Prosper Loan LLC/Prosper Funding LLC for a personal loan. I called the number in the email back and had a near 2 hour call with a guy who said I was approved for a loan and to proceed with bank account verification to obtain the loan. This included verifying my information that he already had as well as purchasing gift cards in the amount of XXXX $ and giving the information of the gift card to him. I was on the line waiting for the loan to be transferred to my account and it never happened. I called back to no avail, he did however call back the next day appearing in good spirits and denied it being a scam, which it completely was
|
| 01/25/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I was not having success processing a payment via the credit card app so I called to process a payment. I was told the payment would be made but it never was. Weeks later, I followed up about the payment was able to process the payment for the month. I only processed one payment and confirmed for one payment. A few days later, an additional payment was processed that I did not authorize. I attempted on more than three occasions to receive help from customer service over the phone and online and I was rejected from any help in regard to the issue. I was denied any help for processing a payment without my authorization so I reported the transaction to my bank and then my credit card was blocked.
|
| 05/22/2016 |
Yes |
|
- Settlement process and costs
|
|
Web |
Older American |
|
1. This loan ( from Prosper Company ) was not strictly a mortgage. It was a debt consolidation loan for {$15000.00} and the rate promised me was 15.41 %. They took out 5 % of the loan as some sort of fee which made the loan amount {$14000.00}. At a three year rate of paying {$520.00}. a month I will be paying a total of {$18000.00} which is an interest rate of 24.6 %, ( based on the total loan amount of {$14000.00}. ) not 15.41 % as promised. At that rate I never would have taken the loan. It is the same exorbitant rate the credit card companies were charging.
2. I would like the {$750.00}. ( origination fee? ) returned to me. And I would like them punished for dishonest business practices.
|
| 01/07/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
A company called Prosper is sending me multiple, unsolicited loan offers and I would like them to stop. In fact, XXXX and other financial institutions also send repeated junk mail offers that I must tear up and/or shred to prevent identity theft.
Prosper has a number to call to opt-out of the offers ( XXXX ), but they require giving out my social security number, which I do not want to do.
Junk mail like this is not just a nuisance, its a time drain and stress creator. How can I stop these companies from accessing my credit report, intruding on my privacy, and attempting to prey upon my debt?
Thank you.
XXXX XXXX XXXX XXXX P.s. the website for Prosper is SaveWithProsper.com.
|
| 12/02/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I wanted to look at the rates for a personal loan. Upon reviewing the terms everywhere it had listed a No impact to credit and soft credit inquiry. Once I reviewed the offer and the TIl, I was expecting a hard inquiry disclosure to be visible and clearly identified as Thai wouldve been the final step. However it was hidden within numerous bullet points. It is very predatory and deceptive. They made sure to highlight everywhere that its a soft inquiry and yet when it a hard inquiry that is hidden and not shown with any disclosure. I asked the company to cancel my loan as I did not agree to the loan terms or viewed the loan agreement. It was not visible to me at all.
Date XX/XX/21.
|
| 01/06/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
The company has specifically recognized that they don't hold the account for which they are reporting. I have attached an email received from Prosper Market stating that. But Prosper Market is still reporting the account. Your service can also verify with the company Prosper cited as the owner of the account, XXXX XXXX XXXX XXXX, which I reached out to also. They also denied the existence of this account.
Please verify with XXXX XXXX XXXX XXXX to ensure that this is an error and needs to be corrected on my credit report.
Therefore, I want the account from Prosper Marketplace to be definitely removed from my credit report.
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 10/10/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Electronic communications
- Frequent or repeated messages
|
|
Web |
|
|
Ive continued to request for a manger to contact me but they seem to never be on duty. I never get calls from them. Ive asked to be able to pay online and gave my balances available with a valid due date but no one will provide me with this information. Today I told them that Id pay off my account if they credited back my late fee, as Ive been told that I have different due dates by two different representatives. Instead of taking my payment, the representative hung up on me. These people are not interested in getting this paid. They misrepresented the due date and now they wont help me pay off this account. I have no online access so Im in the dark on how much I owe and when.
|
| 08/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
Monday XXXX XX/XX/2021, I received an email from Prosper Marketplace Inc. aka Prosper Funding LLC, stating that I was pre-qualified for a loan of up to {$9000.00} and that checking my rates on said loan wouldn't impact credit score which means that they would only conduct a soft inquiry. However, they made a hard inquiry which did in fact negatively impact my XXXX credit score!
YOUR PRE-APPROVED APPLICATION You're preapproved for {$9000.00} Finalize your loan of $ XXXX and your money could be deposited to your account as soon as the next business day after completion of all necessary requirements1 Lock in Your Rate Checking your rate will not affect your credit score.
|
| 01/10/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
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 obligated too ), you all are gon na get investigated by the government, XXXX XXXX XXXX and the XXXX XXXX. You all aren't the only creditors im coming after Thank you!
Please forward this to corporate XXXX XXXX XXXX
|
| 07/27/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
DEFAMATION OF CHARACTER Notice of pending litigation seeking relief of monetary damages under FCRA Section 616 + Section 617. Final written attempt to amicably resolve your continued willful violation of the Fair credit reporting act regarding your refusal to delete all of the UNVERIFIED/INACCURATE account information from my consumer file. Despite my three written request items listed still remain on my credit report in violation of Federal law. In the results of your reinvestigation you stated in writing " VERIFIED '' that these items are being " Reported Correctly ''. You still have not identified who verified accuracy and how the accounts were verified.
|
| 07/07/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I received a preapproved offer in the mail for a personal loan to be used for debt consolidation. I called the number on the letter to apply and was again pre approved. They asked me to send in several documents for identification and income verification purposes ( which I did ). Without any call or explanation they closed my account. This has been very frustrating for me as I am an elderly woman and live in an XXXX XXXX XXXX and have to rely on my daughter to come and help me fill out applications and upload forms. This marketing was very misleading and now it has resulted on a closing of my account with no reason and a hard inquiry on my credit report.
|
| 06/21/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
An individual by the name of XXXX XXXX called my employers corporate headquarters in XXXX ( I live in XXXX XXXX ). When corporate let me know, I had them transfer XXXX to my direct line. He wouldn't let me off of the call after repeated attempts to tell him I needed to call from my cell phone. He was extremely hostile and misstated multiple facts about my debt and situation, and told me that if I don't give him my payment information right now, he would sue me. I repeatedly told him that I know my rights under the Fair Debt Collection Practices Act and each time I brought that up, he would cut me off and keep trying to get me to give him my information.
|
| 12/04/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
|
|
Ive had a credit card with Prosper for about two months. So far, Ive had no missed payments, I pay my bills early and never carry a balance, and there have been no issues with my account. Out of nowhere, Prosper sent me an email that they decreased my credit limit in half from {$1000.00} to {$500.00} with no reason. This has been a terrible experience so far, as I only agreed to apply for this card ( connecting my bank account and affecting my credit score with a hard inquiry ) due to the limit I was promised. I need my original credit limit to be reinstated on this card or an explanation of a direct path to increasing it back to {$1000.00} right away.
|
| 08/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
On XX/XX/2022 I made a payment online for my prosper card of XXXX it went through. I did not see it come out my account called the company they said account is restricted. The card is connected to my bank account to make the payment. This is the second time this have happened. The first time I was told it was a system error they said they was aware of this and they waived the late charge. This is happening everytime I make a payment online that it is restricted. This is happening alot with other customers also with this restriction when making a payment. The company is acting like I did something wrong like putting in a wrong number this is not true.
|
| 07/10/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
Firstly I am a victim of identity theft and I did not authorized this transaction.I recently received a letter from XXXX XXXX XXXX XXXX which is attempting to collect funds for a matter that has been resolved. I already filed as victim of identity theft with the bank and as I said it was resolved. The amount is for {$20000.00}, around XXXX and again I filed a report for identity theft with bank and it has been resolved. The company is XXXX XXXX XXXX XXXX XXXX, Attention : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX GA XXXX. They also give a second address at : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, # XXXX XXXX XXXX, CA XXXX. Phone # XXXX.
|
| 09/01/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
PROSPER /XXXX denied my loan on the basis that my PAY-STATEMENT WERE FALSE, stating that not real, acusing me of submitting fraudulent document which is false i have been working for this company for 11 years and these are the statement they always used, they simple assume, that because these statement can be generate online there false or fraudulent i have place a complaint to the office of the attorney general, federal trade commission XXXX local and federal authorities for defemination and accusation of commuting fraud i will like you bring this to your attention and all the authority 's of there practice and XXXX and will take this all the way
|
| 03/09/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
Prosper Loans is illegally reporting a past debt that is over 10 years old and I filed bankruptcy on to the credit bureaus. They are changing the dates to make it look like a more current loan so they can keep it negative on my credit. I filed bankruptcy on this debt 10 years ago and even the bankruptcy has been removed from my credit due to reporting time limit of ten years. I contacted prosper and they refuse to fix it and said to contact credit bureaus but they do n't do anything as. Prosper continues to report the debt and did so XX/XX/2016 as seen on the attached screenshot. I just wonder how many other people they have illegally done this too.
|
| 01/29/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
ticket # XXXX Prosper has blocked my card and account, and upon calling and speaking with representative XXXX, I was told theres a security hold due to suspicious activity. Ive barely used the card and have only attempted to add my card to XXXX XXXX. Over the past few months of having the card, Ive experienced countless issues, from my credit limit being cut in half out of nowhere to card blocks after transaction attempts. Im now being told a ticket had to be submitted to an internal team and I will hear back within 24-48 hours. These are ridiculous and unethical business practices from Prosper. I need my card and account reinstated immediately.
|
| 01/08/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
|
|
I revived a summons from XXXX XXXX XXXX, XXXX. XXXX XXXX. I then called them XX/XX/2020. I spoke to a woman that said they were debt collectors. I asked if I could arrange payments of {$140.00} a month she was aggressive & wanted me to make 12 payments of {$440.00} every 2 weeks. I explained to her I could not do that she then said she needed to speak to her supervisor & she would call me back. Come Monday XX/XX/XXXX I call them to follow up with every call I attempted to make to them the phone seemed disconnected or will not take calls from my phone. The debt collectors name was XXXX XXXX. I can no longer get ahold of them to resolve this debt.
|
| 02/11/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
prosper marketplace inc account- unsecured responsibility- individual date opened- XX/XX/2018 status- closed. {$11000.00} written off status updated XX/XX/2018 the credit reporting agency or bureaus place this information into my credit report without verification. where is the original signed document from when i opened my credit card or got the loan. please remove the inaccurate unfair information off my credit report. if you guys dont remove this stuff off my credit report we will be filling a lawsuit against your organization for unfair practices. you have 30 days to do so to VERIFY the information or to DELETE it immediately that is LAW!
|
| 01/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
A XXXX account via Prosper Marketplace was charged-off in 2016. Prosper states on my credit report that the account was sold to a third party following the charge-off. The company that Prosper lists as the third party is different than XXXX XXXX who is the collections company purporting to collect on the same charged-off XXXX account that Prosper is reporting on my XXXX credit report.
XXXX XXXX and Prosper XXXX are both reporting negative information for the regarding the same XXXX funded account. This is a duplicate reporting that creates an unfair negative impact from a single account. XXXX must remove the duplicate negative reporting.
|
| 05/11/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
As I am struggling to maintain my payments without damages to my credit I made a payment to prosper of XXXX on XXXX XXXX online but when I looked at the date of payment scheduled it say it is for XXXX XXXX that would put me at 30 days late on there web site it say I can call the XXXX until XXXX but when I called at XXXX XXXX the office was close.I am going through some financial difficulties but prosper has no resolution but to pay or your credit is damaged. I will continue to make my payments and trying very hard to get back on track. I hope that I do n't get hit with a 30 day when I made my payment on XXXX XXXX 2017.
|
| 08/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I was in the process of applying for a personal loan with " PROSPER '', with an understanding that, it will only be a soft inquiry, unless i'm approved, during the cause of this, they pulled my credit! and i received a letter stating, they were unable to extend the loan Due to a low Fico and late charges, it seems they were just making up excuses, because non of these is true, my Fico is in the mid 700s, and never been late in anything on my credit, however, i have made several attempts to have the hard inquiry removed, but all efforts proved abortive, this ' a complete deception on the part of this bank " PROSPER ''
|
| 08/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the fair credit reporting act this creditor ( XXXX XXXX XXXX XXXX XXXX XXXX ), ( Prosper Marketplace Personal Loan ) has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604 A section 2 also states that consumer reporting agency can not furnish my 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 's credit plan as late for any purpose. My missed late payments that were under 60 days are current now. please assist in removing late payments.
|
| 06/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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On XX/XX/XXXX, After i had fallen behind on my load payments due to a hardship suffered in my family. I tried make arrangements with Prosper Marketplace concerning my account but they were unable to help me.on XX/XX/XXXX, I sent Prosper Marketplace a letter that the information that they listed on my account was disputed. Nothing was received back from them.
I enlisted XXXX XXXX XXXX to help me settle my account. They were able to negotiate a settlement for my account and after 12 successful payments to Prosper Marketplace thru XXXX XXXX XXXX the account was settled/resolved and paid off on XX/XX/XXXX.
|
| 09/20/2023 |
Yes |
- Credit 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
|
|
Web |
|
|
XXXX XXXX XXXX issues credit cards under the prosper brand. I had fraud on my card so i filed a police report and reported it to the bank at least 5 times now. Every time i contact them, they tell me i can not speak to a fraud representative on the phone as they dont have phones. The fraud transaction occurred on XX/XX/XXXX for {$510.00} and is still on my account as of writing this. My statement is coming up due on XX/XX/XXXX and the bank representative urges me to pay at least the minimum statement balance, which im not doing. If this affects my credit i will be filing a lawsuit against this bank.
|
| 11/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am a victim of Identity theft. The perpetrator ( s ) used my information to try to open a loan with XXXX XXXX XXXX. This company accessed my file through XXXX XXXX XXXX.
I contacted XXXX and they claimed they had permissible purpose to access this file but WOULD NOT PRODUCE IT. This is a violation of federal law. The customer service area then said there was no signed disclosure or no physical evidence of Permissible Purpose available.
I have enclosed a letter to this company.
This inquiry is negatively impacting my credit score. I have contacted XXXX directly and they refused to remove it
|
| 08/08/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Servicemember |
|
I was contacted by message, after applying for a loan. Said I was approved for XXXX dollars, and money would be deposited into my account. I contacted them after looking the up, and it did show as ligitiment number, and Company. However on XXXX XXXX, 2017, a deposit in the amount of XXXX was deposited as a payroll mobile deposit. All of my accounts are now locked until further notice. So now I have no way to access my accounts to pay my rent. When called, the company said it was on hold because of a low credit score and that they could continue the loan through XXXX XXXX, and cost me XXXX dollars.
|
| 03/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
|
I opened an account with Prosper on XXXX under the agreement that if I set up auto pay before the 1st statement the annual fee of XXXX. Would be waived the 1st year. I set it up on the website because their app wouldn't open. It took a week for that to start working. I got a statement dated XX/XX/XXXX that charged the fee. I called & was told they couldn't verify my identity. I tried again today after email got no response. I was told that I didn't register on time so I have to pay the XXXX & they refuse to reverse the fee. They blocked my use of the account & I haven't even received the card yet.
|
| 09/26/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
Servicemember |
|
This company has been offering me loan since two years now and I 've told them I do n't want a loan, due to their disturbances I succumbed and requested a loan from them sometime this year which they denied, and instead of stopping to disturb me about their loan, they still continue to fill my mail with their letters of loan. I have called them severally to stop disturbing me, Ive warned them next time I received a mail from them I will report them, still they kept disturbing me of a loan, is it by force to get a loan. For XXXX 's sake I do n't need their money, they should stop disturbing me.
|
| 09/29/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I opened a propser credit card but I am not able to log into the account. I have called them emailed and advised them I can not get into the account. I could not see the statement nothing. They finally sent me a paper statement on email two weeks after I should have received it. It has been almost a month and I am still unable to log into the account. I can't see the purchase I can't even make a payment. They are not trying to fix the problem. I get generic emails from them when they do email. When I call I am told to wait on the email. They NEVER reach out to me. I also have to contact them.
|
| 09/08/2023 |
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
|
|
Web |
|
|
XX/XX/XXXX received text from XXXX XXXX XXXX XXXXXXXX XXXX stating my loan is approved and thank you for signing. I told them I did not fill out any loan application. They asked me for my Social Security to which I did not provide. I gave them the application number and said they should be able to figure out from there to which they wanted me to call. Why should I call, so they can try to get more info from me to scam me. I asked for a copy of the application and they said I had to call.
I want this inquiry removed from my credit report as I did not authorize any such application or inquiry.
|
| 06/03/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I entered a consumer credit transaction with PROSPER MARKETPLACE IN and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which is false Pursuant to federal law. They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that PROSPER MARKETPLACE IN claim I owe. PROSPER MARKETPLACE IN has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
|
| 02/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have been repeatedly called by Prosper for collection of a debt. On XX/XX/XXXX i contacted them by phone and asked them to please stop calling. I also changed my contact information on their website to the company that is handling my debt at this time.
Since the XXXX of XXXX i have been called a total of 45 times. 18 times in the week of the XXXX to XXXX of XXXX. I have repeatedly called and requested that they contact the company in charge of my debt at this time. I have been met with rudeness and increased calls. I have blocked the number from my phone but to no avail.
|
| 03/15/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
Servicemember |
|
I contacted Prosper credit card and advised to close my account to stop fees and I would pay off within 30 days using online account. They closed my account and instead if leaving the account payment service open. They closed it down and still marked late payments. It can't be late if I closed it. I can't make payments online and don't trust a human not to steal my bank account info. I want them to grant access and reverse fees and negative remarks on credit reports. I'll immediately pay off as I've promised. I've contacted them asking for this to no avail. Help me please.
|
| 12/09/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I was pre-approved and applied for the loan on Prosper. I was subsequently rejected and had my account suspended because I opted to use a newly opened checking account for depositing of the funds. This was not disclosed as an issue in any remotely clear terms in the application process or I would've selected another checking account which I've had open for several years that I am in the process of closing. Moreover, they gave no opportunity to select a new account and instead did a hard pull that did nothing but negatively impact me for something that was easily fixable.
|
| 12/13/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I applied the loan on XX/XX/XXXX XXXX improvement loan and web site indicated two business days loan will process.
I called today XXXX XX/XX/2021 XXXX XXXX answered my called XXXX and he provided bad customer service and he keep asking lot of documentations. I provided what they needed and he still make me upset not give any positive feedback.
I felt I have been discrimination .I asked him to transfer this call to his supervisor ( Name called XXXX ) and he also very unprofessional answered my call.
They collect all my information and not given positive feedback.
|
| 04/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
I opened a Prosper Credit card online. I was approved and a card was sent to me. When I tried to activate the card, I was told the account was suspended due to a security issue. They did activate my card after verification but was told the back office would be calling me. I asked for a manager but never got one. No one ever called me back and I never got any explanation why my card wouldnt work. No correspondence either. I feel they took my personal information but never got the ability to use the card they approved me for. I am nervous as this seems very strange.
|
| 03/29/2023 |
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
|
|
Web |
|
|
I applied for a Prosper card around XX/XX/2022. Due to a number of relocations and emergencies, I never received the card which was shipped to an old address. In the meantime, the card was lost/stolen and thieves spent approximately {$1100.00} ( my entire credit limit ). I have been on the phone with Prosper on multiple occasions, and they have been having a difficult time marking all of the transactions involved. Meanwhile, I can not seem to have online access to the account due to the holdup. It is also reflecting on my credit report that my card is maxed out.
|
| 01/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
|
|
Web |
|
|
I am receiving an email from this company called Prosper, which says my loan application has been rejected. But I have not applied for this loan at all. This might adversely affect my credit report. Or somebody is impersonating me.
Copy of the email I received is provided below : On Tuesday, XX/XX/2021, XXXX XXXX EST, XXXX XXXX wrote : Dear XXXX Thank you for visiting Prosper. More detailed information about why you are unable to obtain a loan through Prosper at this time is available in your Prosper mailbox. Sign in to read this message.
Thank you, Prosper
|
| 05/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Prosper says they say the sold a loan under my name in XX/XX/XXXX and then transferred inXX/XX/XXXX to XXXX XXXX, and now it is in house under one of them as they own both companies. Prosper has not sent any loan docs with my signature, the ID they would have been required to obtain, and seems nearly clueless when I call them. Yet, someone inside the company has no problem changing and account they are reporting to my credit profile every month but can not physically verify that it was ME who signed up for their program. HUGE lawsuit coming if they don't fix.
|
| 09/23/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
XX/XX/21 I contacted prosper at the end of my extension to continue my regular monthly payments. Note : prosper granted me {$50.00} payments during the pandemic. When I made my last reduced payment Prosper said I would need to pay {$1500.00} for my next payment because the term of my lease due. I would have to make to payments of {$1500.00} to close out the loan. I requested to pay {$400.00} because the pandemic limited my income, they refused. I now have a charge-off on my credit. Prosper demanded full payment during a time when customers where struggling.
|
| 06/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I went into a settlement with Prosper in XXXX of XXXX. My monthly payment went from {$600.00} to {$420.00}. Since XX/XX/XXXX, I have paid the agreed-upon amount per my settlement agreement each month. The final payment was made on XX/XX/XXXX and Prosper has shown me late each month since XXXX of XXXX. I have the settlement agreement and the bank statements showing that I have never been late with this account. I have tried to get Prosper to correct this many times and they will not. I have also tried to dispute this with no help from the 3 credit bureaus.
|
| 02/22/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I set up payment arrangements to get on a program. They agreed to place all my late payments on the back of the loan. Over the course of one month I made 3 payments totalling {$850.00}. Last week, I began receiving back to back collection calls. I spoke with a rep who said I was n't on a program. I told them to play the tape. They did. They told me that even though the rep I spoke with assured me that I was on the program, that I was not in fact on the program and would have to make another payment to be " considered '' for the program with no guarantee.
|
| 03/09/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Older American, Servicemember |
|
While logged in to review my Prosper Card and loan statements and pay my bill, I was suddenly kicked off of the site. I contacted the customer service department and was told that I requested a cease and desist. I did not do this and explained this. I have received two emails stating that the issue is closed but I still can not log on and see my statements. The customer service representative is trying to tell me that I do not need to see the statements and that they will tell me of any activity and amounts due. I have advised that this is unacceptable.
|
| 01/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My Prosper installment loan is reflecting as open with a balance on my XXXX XXXX credit report when it has been paid off and closed for more than 60 days ( XX/XX/2017 ). My XXXX report shows it correctly with a status of paid and XXXX balance. I have tried to correct this directly with XXXX XXXX however, twice now they have come back and said that Prosper is confirming that the loan is open with a balance. I have attached a paid in full letter from Prosper confirming the installment loan is paid off which is a contradiction to what XXXX XXXX is saying.
|
| 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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have tried to fix this with XXXX. Someone opened a card in my name from Prosper. I have disputed this with all 3 bureaus. All of them have erased the fraudulent information except for XXXX. The last complaint I sent, they said they would look into it. They sent me an updated credit report a few weeks ago stating that the information wasn't on there. And this morning they stated that the information was updated and mines. Again, how are they verifying the information, when the the credit card company itself is saying it was a fraudulent account?
|
| 02/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Older American |
|
I received a credit card in the mail from Prosper that I DID NOT APPLY FOR. It has a number on it to call and activate the card and a XXXX XXXX on the back of the card which I did call to report fraud and no one answered after 30 minutes on 2 different calls so far.
I reviewed my 3 different credit reports and 2 of them listed soft inquiries from Prosper within the last month.
It appears to me if I call the activation number it will likely be automated and will act as a tacit request for a credit account with them so I did not call that number.
|
| 01/19/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have reported them to the XXXX XXXX XXXX about XXXX times now. They are several months behind in reporting for my loan. They ONLY report when I file a XXXX report and the last time they only reported to XXXX credit bureau and were at least XXXX months behind. I need all of my information updated immediately and reported on time monthly to every credit bureau as they are obligated to do. This has gone on for too long and is extremely poor business practices and Im sick of having to report them every month for any movement on my credit report.
|
| 09/29/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
I have a loan from Prosper. This was contractual and their were no deceit except how the interest would accrue. They are charging 24 % percent each day on the balance of loan, which I feel is very wrong. All other banks and financial institution are charging monthly rates.
I did not see this writing in the bold or fine print of the loan. I have no problem pay the loan back, but I feel the daily interest is a deception and an unethical practice that hurts the consumer worse than the financial problems they were in prior to the loan agreement.
|
| 06/07/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I applied for a loan, which I already have a loan with, and they told me it would not affect my credit score and offered me a low rate after I entered my income of XXXX. I have a XXXX and a XXXX and they told me after they approved my loan that they could only count one of my income, therefore dopping my income down to XXXX, XXXX therefore forcing me to take a higher interest rate, mush higher than the one ai current ly have with them. and my credit report was dinged for nothing. This is a bate and switch. These are illegal sales practices.
|
| 04/24/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
My payment of XXXX is due on XX/XX/XXXX of every month I made my 1st payment on XX/XX/2019 of XXXX and was charge interest of XXXX then I made a additional payment of XXXX on XX/XX/2019 and was charge more interest of XXXX. I contact prosper and was told any additional payment has to be made on the same day I make my regular payment or I will be charge more interest, that does not make any sense any other loan company that I have made additional monies to has always applied to principal only if I made the extra payment within the same month.
|
| 04/09/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
Attempted to close a zero balance credit card with the company via the customer service phone number on XX/XX/2022. As of today, the card was NEVER closed and still shows available credit online. The incompetent phone representative even claimed " no '' when I asked if the closed account will report to the credit reporting agencies as account closed by consumer. The call lasted for 18 minutes, and the useless representative could not provide an answer as to why the account will not be closed and updated with the credit reporting agencies.
|
| 06/29/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
Older American, Servicemember |
|
On XX/XX/2023 I paid my prosper card statmentment balance of {$840.00} and it was paid by my bank on the XXXX. Prosper card generated a stastement reflecting that they received the payment which was in fact a {$55.00} overpayment on XX/XX/2023, yet they are attempting to charge me {$19.00} as a merchandise finance fee even though I have not used the card. Last month Prosper indicated that they were reducing my credit limit because of several delinquent accounts, even though none of the credit bureaus reflect this incorrect information.
|
| 02/03/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I entered into a consumer credit transaction with only Prosper Marketplace Inc. in 2016. They have violated countless federal laws by collecting, attempting to collect an alleged debt and illegally sharing transaction details of a federally protected consumer with several other uninvolved parties and without my prior written consent. I have begun my private administrative process and attached below is my first Affidavit of Truth, Cease & Desist letter, Exhibits and Invoice for all there willful and negligent violations of federal law.
|
| 10/21/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
The loan was for XXXX payments of XXXX totaling XXXX and I have FULLY PAID that amount as you can see from the payments records. The issue is that Prosper overcharged me unlawfully extra fees and interest during the XXXX XXXX XXXX XXXX for the 7 months of Deferal Period that was offered to anyone and was supposed to be No Extra Interest or Fees but seems only Prosper did those charges! At the same time I had a loan with XXXX XXXX that I also took advantage of the Deferal Period but they didn't charge me a cent extra for the period...
|
| 01/12/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
Prosper XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I was approved for a {$2000.00} loan, payable on the XXXX of every month in the amount of {$84.00}. Although I made a payment before the first due date the balance has not decreased much. In addition, I made payments prior to due date in the amount of {$90.00} per month. I have never seen the original loan document with scheduled payments, I tried to refinance the loan to get a lower interest rate but was denied a few months ago.
|
| 10/09/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I have received XXXX phone calls in the last week from Prosper. All of my payments are up to date, and when I returned the phone call today to ask why I was receiving these calls there was no documented reason. The person I spoke with, XXXX, informed me that they would make a note of a cease and desist regarding phone calls to my personal cell phone number.
The calls I received occurred on the following dates : XXXX XXXX XXXX four calls XXXX XXXX four calls XXXX XXXX three calls XXXX XXXX four calls XXXX XXXX XXXX three calls
|
| 12/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I applied for this card. Services were never authorized or accepted. The card was fraudulently activated the company says.
I have never used or activated this service. The company file a late payment to my credit bureau for an ever increasing amount.
I have spent over three hours on several phone calls with the company. I have even been assured that the balance was settled and account was closed. Still, my credit score was damaged for false late fees. The company now wants {$90.00} for services never provided or accepted.
|
| 03/29/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
I want to make a complaint regarding Prosper.com. This loan company is applying all my payments to interest and claims that it is due to the COVID-19 pause that I took advantage of in 2021. Since then, they will not tell me how much interest is due even though I am paying them back regular installments since XXXX. Also I have tried to call multiple times to see when I can expect to have the interest paid off and they will not provide a response. All I want to know is when I can expect to see all the back interest paid off.
|
| 05/31/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
They've violated my FDCPA Rights by ruining my credit, defaming my character, fraudulently sharing my personal information, contacting my family members trying to get in touch with me, harassing me after advising them several times this isn't my debt, and going after the correct person who owes this money instead of wasting my time and resources having me back and forth in court as of XX/XX/XXXX, and again on XX/XX/XXXX. The amount they're trying to collect is {$2900.00}. Apparently, this loan was originated on XX/XX/XXXX.
|
| 04/02/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I contact loans places to get a loan to help my mom get a place because of personal reasons ... I applied for the loan n got accepted with no credit, it was for an installment loan.. I got money sent to my account XXXX into my savings then I had to sent back to the company in order to get my Loan that I was originally post to get which was {$2000.00} and then I tried to cancel the loan but they wouldnt let so then I called my bank and they said money has been deposited into my account and it looks like it might be fraud
|
| 09/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I ordered only a {$700.00} credit card with this company and spent {$650.00} on it planning to pay it back when the account balance was due, The very next day they sent the {$650.00} report to the credit bureau saying i owed them this when i called, the lady explained that they report on the XXXX of every month so i thought it was my mistake but later on i was informed that they report on the end of every month this has cause my credit score to drop from a 670 to a 590 which coupd cause significant financial hardship.
|
| 04/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
I have had a Prosper card for about a year. Recently I needed to change my online account password. I followed the steps; received a confirmation email yet am still locked out of my account.
I have repeatedly contacted Prosper and only get sent a password reset email which does not work.
I strongly feel Prosper is setting me up to not be able to log in and not be able to make a timely payment.
This account has been nothing but a negative experience since the beginning. It is predatory lending thru and thru.
|
| 05/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XX/XX/XXXX I filed Chapter XXXX bankruptcy. I was not late or delinquent on any of my accounts during this month. I was actually only late on 2 accounts in the past 5 years.
Prosper is reporting me Negative XX/XX/XXXX, the month I filed Chapter XXXX. I filed a dispute and there was no change. They reported back to the dispute that everything was correct. This is showing as a negative account on my credit report and is absolutely not correct. It also is showing no payment history from XX/XX/XXXX-XX/XX/XXXX.
|
| 03/26/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
This is my 2nd filing on Prosper. They continue to call my work phone and now have started calling my cell phone from phone number XXXX. I didnt give them permission to call my cell number. They had been told several times not to call my work. I would like to file an FDCPA complaint for harassment. I have screen shots and my phone for proof that they are still calling. I can provide all this evidence. They have called at least 7 times since last wednesday. I would like to file an FDCPA complaint!!!!!!!!!!!
|
| 10/08/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
I received an XXXX loan from prosper marketplaces. I paid it off in the month of XXXX 2016. In XXXX of 2016 I receive a late payment notice on my credit report. I immediately contacted Prosper and spoke to an XXXX with customer service. XXXX stated that my loan had been paid off and closed but my account was never closed. I was never told an account was opened and never asked for one. XXXX said the account does not generate fees but my credit report shows that the account requires a {$35.00} monthly fee.
|
| 06/27/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
I closed my account a couple months ago and now i can no longer see my account details when i log in. I also don't receive paper statements and when i requested them a representative said i cant get paper statements. So no online access, no online payment option and no statements to keep track of balance, interest being charged, etc. I feel the company is trying to make it difficult on purpose so i'll forget to pay and they can charge additional fee 's. There's no way for me to keep track of anything.
|
| 06/15/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
Fixed interest rate of 15.41 % flucuates frequently. At 15.41 % Fixed, interest should calcuLatE to no more than {$100.00}.
HOW ARE THE amountS of interest in excess of {$200.00} per month or from {$90.00} to {$250.00} a month GOING TOWARDS INTEREST? Clarify these amountS and where is the rest of the money going??? My payment are {$690.00} a month and and you deduct {$700.00} every month where is the credit of {$2.00} going as well as the miscalculation in a fixed interest RATE OF 15.41 %???????????
|
| 03/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
|
For weeks now l have contacted there customer service department and they are suppose to waive the {XXXX annual fee based on there promotion when l signed up for there credit card and every time l call they say they are still working on it and has been going on for weeks, l need someone from this company to take action and get it done, no bank or financial institution takes this long to take action, this company has been a struggle since day one. I am seeking help. I need the fee waived as promised.
|
| 06/28/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
Contacted Prosper Credit customer service. I when from a by weekly pay date to monthly. I asked to change my due date. This the first time I made the request. They told me that their system needed updating and would not allow the change in due date. My credit card contract with them stipulates that I have the right to change the due date every 365 day period. I put a complaint in before and the never responded. I requested a complaint ticket number for the current complaint # XXXX.
|
| 09/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
|
I signed up for autopsy when I applied for the card. every month since my payment of {$30.00} has come out on the XXXX of the month and my bill closes on the XXXX this month my payment wasnt withdrawn and when my bill closed it shows that I now owe {$73.00} on XXXX first I made an extra payment last month but that should not have affected my min due or auto pay. I called today and nobody gave me a clear answer as to why autopay wasnt deducted or why my XXXX payment is now {$73.00}.
|
| 03/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
I've sent emails and also calls trying to pay off my entire balance and close my account. There is no resolution after 2 weeks going on 3. I've made XXXX payments that showed as posted but never showed up on my statements. Now I'm being charged late fees. The browser seems to be the only option to access any information. The app doesn't let you access any statements and shows very limited information. There's no way to contact directly. This company is causing me stress and anger.
|
| 04/30/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
In XXXX of 2022 I called prosper to inform them I had to have XXXX in XXXXan i tried to make some type of payment arrangement with them they refused and wanted their whole monthy amount. I told them not to call me anymore I'm about it.
I still made a {$75.00} a month goodwill payment. They called me 3-4 times day. It got to the point where I had the block for number. They have easily called me over a 100 times. Here are just a few days of calls. I have documentation of them all.
|
| 02/10/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I have called early XXXX to pay off this loan, however I needed to first find out why the balance I have in my records are my records show roughly 1800 dollar balance while prosper has a XXXX dollar balance. I need to know why and I've called several times trying to get this info and due to poor customer service I have not been able to get them to run an audit and make sure the balance is correct. This last call today the supervisor hung up on me and never called back ...
|
| 08/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On or about XX/XX/2022, payment of {$800.00} was made on loan XXXX with the business. Payment has cleared and posted to my banking account on XX/XX/2022. As per the website of the business and my online account, the loan is paid off in full with a XXXX balance. Since, open accounts with balances can have an effect on credit scoring, the business should update this information upon receipt of this complaint with all major credit reporting repositories that it reports to.
|
| 06/12/2018 |
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
|
|
Web |
|
|
I got an email from a loan company named XXXX. This email came XX/XX/2018 This is the mailing address they gave me XXXX XXXX Prosper Marketplace , Inc .
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX I never gave this company my SSI number and certainly never gave them permission to run my credit.
This company did NOT have permission to run my credit.
I ask this company show my application through them, signature and full SSI number authorizing them to pull my credit
|
| 04/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
XXXX and XXXX is reporting a balance of {$5000.00} with Prosper account. This balance is incorrect. This account has been paid in full and the balance that should be reporting is {$0.00}. I would like Prosper to send the correct balance of {$0.00} to XXXX and XXXX. I would like XXXX and XXXX to correct Prosper account balance from {$5000.00} to {$0.00} immediately based on the federal fair reporting act. This account has been paid in full and is in excellent standing.
|
| 01/04/2023 |
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
|
|
Web |
Older American |
|
XX/XX/XXXX prosper credit card= never got card nor info XXXX to cancel i did not recived anything from them. called them and they said they will report to XXXX that i do not have an acct with them but they still pulled my credit report XX/XX/XXXX destinity never applied for an acct but yet they pulled my credit report.
try to call them but would not talk to me.
i am trying to rebuild my credit and someone is applying for other accts i did not give permission.
|
| 05/10/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I'm negotiating a settlement through a third party XXXX XXXX. I have given them POA and all communications should be with them. Prosper has their direct phone number now since I provided it. They call over 30 times day on my cell phone which I now blocked and they are no calling me at work. I removed my work number from their records but they are still contacting me at my work place. My work place is a busy office and the receptionist has to take these calls.
|
| 02/10/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
On XX/XX/XXXX i was approved for a 15,000 personal loan. I was never given paperwork to sign, everything is online with no details concerning loan terms and conditions. I called Prosper on XX/XX/XXXX about my XXXX, i was told that the XXXX is 28.99 % i request a lower rate due to my good credit. The term of the loan is 36 months, paying XXXX monthly payment coming out my bank account as auto pay. I feel this is a scam and would like to correct this error.
|
| 05/29/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
Opened car loan in XXXX XXXX . Auto was totaled XXXX XXXX . Called to get payoff amount for loan, was told {$6000.00}. When the insurance check came, called back to get exact amount to pay it off right then, was told the payoff amount was {$7700.00}. When asked for explanation, I got nowhere. Supervisors were always busy. This quote is documented in my acct, calls are recorded. Bought a new used vehicle based on the first payoff amount I received.
|
| 09/20/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
I received a letter from Prosper.com telling me I was pre-approved for a personal loan. When I went online and entered my confirmation code they said I could not get a loan at this time. Then they tried to redirect me to another loan program. I see invitations for credit cards and other types of loans all the time. None of them explicitly state that I was pre-approved for a loan. Prosper.com is definitely trying to mislead the public in their advertising.
|
| 06/19/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Prosper when I originally talked on the phone didnt say the APR would be 17 % I have been struggling since they said it was around 12 %. Also I never signed anything to get the loan I applied and they gave it me right away so I didnt really have an option to back out. Plus they took another {$1500.00} dollar feel so gave me {$23000.00}. Overall I never wanted the loan and struggled to pay it back I wanted to see if I was approve but they gave it to me
|
| 09/27/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
On XXXX/2017 I submitted a fax to prosper to change my contact info from ( XXXX ) XXXX to ( XXXX ) XXXX i warned them via fax that if i keep getting calls to this number i will be submitting a complaint i have call logs that they are still calling me to ( XXXX ) XXXX after asking them to update my contact info.
Note : The keep calling from number ( XXXX ) XXXX The change of info went in effect as of XXXX/2017 and they are in violation of my request
|
| 01/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
A long was paid of 2 months after Charge-Off in XX/XX/XXXX for loan from Prosper Marketplace. The account was Charged-Off on XX/XX/XXXX. The account was paid in full XXXX. Prosper Marketplace is refusing to provide a Paid in Full letter or update the account as Paid in Full. It has been reporting as delinquent and negative for 5 plus years. I have spoken with Prosper on XX/XX/XXXX and they have confirmed the account is paid in full as of XX/XX/XXXX.
|
| 03/02/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I was PROSPER MARKETPLACE INC customer since XXXX and during that time, I have enjoyed my experience greatly. I have late payments on the above referenced account XXXX XXXX, XXXX, XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report due to 'Affected by natural disaster '.
|
| 10/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I Disputed this Account Name : Original : XXXX XXXXXXXX XXXX Current Owner : XXXX XXXX XXXX Date Submitted : XX/XX/XXXX Report No. XXXX XXXX Answer : the Debt is Verify I contact XXXX XXXX XXXX said have them contact us to tell them that this account was settled in full on XX/XX/XXXX And I will sent you a letter to prove that this Account was Settled in full. I will attach this document & Please take off the Deragatory mark on my Account thank you.
|
| 09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
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.
|
| 03/03/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
Older American |
|
I provided all of my personal info and was told that I was preapproved for the loan. I then applied and provided all of the required documents. I was told it would be a few days before i heard something. A week later I called to inquire and was told it was n't a problem. Another week pass and I was call and asked some questions. After that my account was close and I was denied the loan by email and could not log into my account for an explanation.
|
| 10/28/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
I have received an e-mail from a Prosper that my personal loan application was declined and stated that my XXXX score is XXXX. I called Proper and I spoke to customer service rep who confirmed my Ss and DOB and refused to informe me who have appliec on my behalf or the source of their info, she stated that it wo n't affect my credit while they have a full info on me.
The name is Proper Marketpace Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX
|
| 03/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XX/XX/XXXX I inquired about a debt consolidation loan. The company PROSPER hit my credit report twice, I told them their website says no credit hit to inquire. I spoke to them again on XX/XX/XXXX & XX/XX/XXXX and asked them to take it off they said no I agreed to loan which is a lie, I have photos of their site saying no credit hit to see what your eligible for.
This company is a bate and switch I just want those 2 hits off my report.
|
| 10/09/2023 |
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
|
|
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.
|
| 09/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
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.
|
| 10/04/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I got an email say I applied for a loan and was denied for a loan. I did n't apply for a loan. When I called them they wanted to give me a gift card and more information. I told I do n't need a gift card, I did n't apply for a loan. I just want to get to the bottom of this. He gave me the # XXXX ( which I know is just a directory for info ) and said it was the number to he 's supervisor. This is a scam and how did they get my SSN #?
|
| 03/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I recently received an email from Prosper about a loan? I was very confused as I have never heard of Prosper and they sent an email stating I applied for a loan but was denied. I never went through a process or asked for any loan through them. I'm not sure why that popped up but they must remove the inquiry from my credit. I never applied for a loan and quite honestly, I'm very concerned that they received any personal information.
|
| 11/19/2020 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
On XX/XX/XXXX I sent a second dispute letter to Prosper Market Place and XXXX credit bureau regarding a collection/charge-off that was opened in XXXX. XXXX is still the only credit bureau listed on my credit report while XXXX and XXXX has since deleted this collection/charge-off from my report the first time around. The account has a balance of {$0.00}. It is well over 30 days and the account still hasn't been updated or removed.
|
| 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
|
|
Web |
|
|
In accordance with the fair credit reporting act XXXX account, has violated my rights.
15 USC 1681 Section 602 Staes 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 may not treat a payment an a credit card account under an open and consumer credit plan as late for any purpose.
|
| 09/10/2020 |
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
|
|
Web |
Servicemember |
|
I called PROSPER, XXXX XXXX, & XXXX to try and resolve the following matter but unfortunately the lady that was speaking to me was rude, unprofessional, and not helpful at all. I recently reviewed my credit REPORTS and observed that Prosper IS NOT reporting my monthly payments to all the credit bureaus, XXXX XXXX, & XXXX. Furthermore, PROSPER, XXXX XXXX, & XXXX has a note on my credit report which states " National Disaster ''.
|
| 09/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I noticed that there was a credit card ending in XXXX that was opened in my name with the wrong address on my credit report. I then reached out to the credit card company in question to rectify the situation. I sent them a identitytheft.gov affidavit and they promised they would look into it. They closed the account, removed the inquiry, but yet this fraudulent account still remains on my credit report bringing my score down.
|
| 07/06/2023 |
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
|
|
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.
|
| 10/16/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
Prosper offered a personal credit for consolidating some of my credit accounts with a lower interest rate, Prosper said this would not affect my credit score, Prospers inquiry showed up as a hard inquiry and has affected my credit score negatively. I did not use the Prosper loan because further into the loan application it showed an undisclosed fee of {$500.00} to obtain the loan. I cancelled any transaction with Prosper.
|
| 10/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit bureau act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604A Section 2 also states that a consumer reporting agency can not furnishing account without my written instructions under 15 USC 166B a creditor may not treat a payment on a credit card account under open Consumer credit plan as late for any purpose
|
| 02/06/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
Older American, Servicemember |
|
I was notified of approval and needed to finish the documentation, I called and emailed to try and verify info but they didnt answer my questions, I went on to finish the application even linking it to my bank.
It was denied for information I could probably have corrected or provided statements for, I was never ever given the chance to correct the issue.
This seems not only deceptive but misleading into a contract.
|
| 08/15/2020 |
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
|
|
Web |
|
|
I have a loan with XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ), PROSPER, and XXXX/XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ), PROSPER, and XXXX/XXXX with no successful resolution. There was definitely an error on their part.
|
| 01/18/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
Personal loan agreement of XXXX dollars which they refused to give and only sent XXXX of XXXX and refused to send. They used my personal info to place my account into negative balance and refused to discuss other further options to resolve the amount owed. They used my information to file a bank claim and then placed my account. They refused to allow me the ability to speak with my personal loan officer.
|
| 05/17/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I received a line of credit from a online banking company for XXXX with a high XXXX of 32 % I was not aware of this fee until I was approved. My bank loan me XXXX with a monthly of XXXX. Yet this banking company used unfair trade practices to decive people of XXXX. I had a XXXX credit score. The payment on the loan is XXXX. Please help restore my credit and hold this company accountable for fraub
|
| 11/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have submitted a multiple police reports, and have fraud alert placed on my XXXX credit file file for 24+months about potential fraud and identity theft for this account. I have disputed the account and provided materials requested since XX/XX/2020 and every month following until present day. The creditor has failed to change the information on my credit file despite being given proof of fraud.
|
| 11/07/2019 |
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
|
|
Web |
Servicemember |
|
I currently have a Prosper Loan & I have called on numerous ocasions to inform them that my loan is not being shown on my XXXX, XXXX, & XXXX Credit Report. I keep getting the run araund and I've decided not to continue trying to resolve this with Proser anymore since it's not going anywhere, Note : I was told by Prosper that once I was approved for the loan that they REPORT to XXXX, XXXX, & XXXX.
|
| 07/23/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
The Company is in violation of the Fair Debt Collection Practice Act, 15 USC 1692g a law that is supposed to be enforced by the CFPB.
When they began harassing me over debt, I looked up their corporate address online and mailed a copy of the attached letter. They have failed to comply with the request in the attached letter made under the Fair Debt Collection Practice Act, 15 USC 1692g.
|
| 06/16/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Prosper Credit card sends me statements showing balance of around {$1700.00}. I never had this credit card neither did I ever applied for it. Card ending number on statement ( XXXX ).
I tried calling prosper credit card but seems like they not ready to resolve my issue.
In the statement there are so many out of country transactions, I haven't traveled out of country since XXXX of XXXX.
|
| 03/24/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I have previously complained about Prosper about identity theft, I have provided them will all the documentation supplied but they responded and closed the complaint with no resolution. I am again attaching all the requested information and requesting this be deleted from my credit profile and removed under my name. If this is not resolved, I will take to Small Claims Court for damages.
|
| 06/06/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
The loan account number is : XXXX, the loan is closed and paid off in full as of XXXX XXXX The business will reply with the usual cut and paste response that information will be reported to the major credit reporting repositories during the usual monthly reporting process. However, it is very simple for the business to input an update to ALL of the major credit reporting repositories.
|
| 09/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/2022, Prosper submitted erroneous information to XXXX, which caused my credit score to decrease and jeopardized a real estate home transaction. I haven't used the card in question, and Prosper submitted incorrect data with a 93 % utilization. Prosper acknowledges that my information is listed correctly in their systems but refuses to correct it with the credit agency promptly.
|
| 05/16/2017 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I should have been advised that because an additional payment was made during XXXX the XXXX payment would not be deducted, despite interest accruing and that it will negatively impact my credit report, regardless of being ahead by almost 20 % on payments. As a result my credit scores have each suffered by approx. XXXX points. This will impact me on multiple levels for years.
|
| 12/08/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
the collection company summonsed me to come to the court in out county court. and judge dismissed there claim and did charge the summon. the collection company still holding me hostage on this account in consumer credit reporting agency. i sent the copies of court decision to all three buraus but they are still keeping that account in my file. I want this to be removed from report
|
| 04/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received a lawsuit by my local court stating that I was served by alternative means via mail and by leaving summon papers by the door on a debt owed but I did not receive anything other than a copy of someone else 's lawsuit that was placed by my door. This is a poor tactic to get the court to say they have served me and now I have a court date on XX/XX/2021. This is not right.
|
| 05/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
My credit score was bumped XXXX or so points from an inquiry that I did not commit and also never filled out. From a company called prosper I do believe because I received an email from them yesterday XX/XX/2022 saying I didn't meet the requirements for a loan that I never filed for or have ever been to their website. My score was at XXXX and is now XXXX from the error or fraud.
|
| 07/10/2018 |
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
|
|
Web |
|
|
I have a late payment noted by Prosper on my credit report on XX/XX/2014. I have contacted the company numerous times to obtain proof that the payment was late as my payment records show on-time payments each month. The company has yet to be able to confirm that the payment was indeed late, and when challenged through a dispute process, they continually confirm that it was late.
|
| 08/06/2020 |
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
|
|
Web |
|
|
I have a loan with XXXX XXXX XXXX XXXX, PROSPER MARKETPLACE IN, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and XXXX XXXX XXXX XXXX, PROSPER MARKETPLACE IN, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
|
| 04/28/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
PROSPER IS REPORTING LATE PAYMENTS TO THE XXXX CREDIT BUREAU WHICH IS NOT CORRECT SINCE ALL PAYMENTS MADE TO THAT COMPANY HAVE BEEN MADE ON TIME AS AGREED DUE TO THESE NEGATIVE REPORTS, MY CREDITORS HAVE LOWERED THE CREDIT LIMITS, WHICH IS ALREADY A DIRECT AFFECT ON MY INTERESTS, SO I HOLD PROSPER RESPONSIBLE FOR THE CIVIL DAMAGES CAUSED TO MY PERSON IN PARTICULAR
|
| 03/13/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
XX/XX/2019 My office received a call from Prosper. The person called from an XXXX number. The staff member was asked if this was XXXX and because it was a business phone and I am the manager and she was screening my calls, she said yes and without identifying the company calling or confirming my identity they proceeded to speak about my personal loan payments.
|
| 09/01/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I have been paying on this loan for nearly a year.
When I make payments, there have been payments where 100 % of the payment is applied to interest.
I recently switched to making payments weekly. This would normally have the effect of lowering the total amount of interest paid. Instead, the amount applied to interest rather than principal has ballooned.
|
| 07/29/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
Hello, My credit profile was pulled by this company, prosper/XXXX and I did not authorize my credit to be pulled. I reached out to this company and credit application was withdrawn. I requested for this inquiry to be removed off my report and I was told the fraud department will notify me via email. I have yet to receive any message from this company.
|
| 12/17/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I checked my credit report on XXXX and noticed a XXXX balance from a company called Prosper Market Place. I have never heard of them and have tried to contact them but have been unsuccessful. A payment of over {$100.00} dollars was taken out of my checking account recently. I know nothing about this company and.have not opened an account with them.
|
| 05/12/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I have a personal loan with Prosper. They recently sent me a marketing mailing on a glossy card with no envelope. The card, readable to anyone, contained my name, address, the fact that I currently have a loan with them, and the payment history of the loan. I did not consent to them publicizing the fact that I have a loan or the status of my loan.
|
| 07/13/2017 |
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
|
|
Web |
|
|
Prosper Marketplace XXXX XXXX.Ca.XXXX. XXXX They pulled my credit report on XX/XX/2017 this pull was a hard credit pull. I was not informed it was going to be a hard pull there web site says soft pull that will not affect my score. I have not received any loan after the date they pulled my credit report or received any letters in the mail.
|
| 06/11/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
I called Prosper to understand the interested they charge and if it is possible to reduce the interested and the monthly payments.
The company offer me more loan.
I am a Caregiver and I make $ XXXX/ hour. I am struggling to pay all the debts. Can you help me, please? I am divorced and XXXX years old of age. Please, help me.
XXXX XXXX.
|
| 09/13/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
Prosper Loan Inc. called me on XX/XX/13 at XXXX XXXX to let me know I was approved for an {$8000.00} loan. I never applied for a loan with them but was a victim of identity theft. Then they began to repeatedly text message me. I have received XXXX text messages since the first call and have requested they stop all contact with me.
|
| 11/09/2022 |
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
|
|
Web |
|
|
I paid XXXX on my prosper account XX/XX/2022. The payment was on time. I sent a statement confirming I paid the XXXX which Prosper also confirmed on the statement but didnt report to the credit bureaus. This is fraud and they did not acknowledge my payment. This is discrimination and if the person was white this wouldve happened.
|
| 01/24/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
Older American |
|
I actually secured a personal loan with XXXX XXXX XXXX through XXXX XXXX, but am still getting emails from Prosper asking me to complete their process, and I never applied with them. I have repeatedly asked they quit all processes and emails as I never asked for a loan from them. Please have them stop pushing this loan on me.
|
| 12/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2021 I sent XXXX Mail # XXXX XXXX XXXX XXXX XXXX letter with payment ( negotiable instrument ) to tender payment for alleged debt. The letter was received on XX/XX/2021 and the negotiable instrument was improperly processed. I feel my consumer rights where violated and I'm trying to resolve this matter accordingly,
|
| 09/03/2018 |
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
|
|
Web |
Servicemember |
|
I checked my credit report, noticed two inquiries from XXXX XXXX, XXXX and Prosper that I'm unsure of where they originated. I have not applied for any new accounts because of my open bankruptcy yet inquiries from different courses keep popping up. I have added fraud alerts to all of my credit files with each credit bureau.
|
| 10/07/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
in 2014, I got a loan from prosper. I had financial hardship and could not keep up with the loan payment. I tried to settle with prosper and was unsuccessful. Prosper has ruined my credit for the last 2 years. I just informed that they sold the loan. I would like prosper to rescind that sale and stop ruin my credit profile.
|
| 05/14/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
When I first joined the military I did a lot of pointless spending and therefore reached out to get a debt consolidated loan from prosper to put all my debts into one loan. Now Im discharging out the military and will not have steady income as of right now, so the payments of {$750.00} each month will be too much pay.
|
| 11/12/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
When I took out my first loan I was told if I pay it back in time, I will get a special rate which never happened they gave 27 % interest rate which was higher than the last loan which was 13 %. Also, the company is only putting my payment towards the interest and not the principle so my balance will never go down.
|
| 06/20/2023 |
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
|
|
Web |
Older American |
|
There is a derogatory entry on my credit report from Prosper Marketplace INC. I have a recent credit report from XXXX. Information I received is that the derogatory information will be removed at 7 years. This loan was done online. I never received any paper copies from them. I do not have an account number.
|
| 12/29/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I sent Prosper Marketplace Inc. a request for validation of a debt which has already been paid but I am yet to receive a response. They have engaged in deceptive, illegal and abusive debt collection practices. I have tried to resolve this account issue directly with them but they refuse to engage or respond.
|
| 06/03/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Servicemember |
|
I applied for a {$5000.00} loan online and I've been speaking with someone named XXXX XXXX who claims to be from Prosper. However, he wants me to get him {$1900.00} dollars worth of XXXX gift cards after depositing {$1900.00} in my account. This was somehow to get me the {$5000.00} that I applied for.
|
| 08/13/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I was charged interest on the loan before receiving loan proceeds. The accrued interest caused a misstatement of the APR. I inquired and was told funds would arrive in a few days. Funds are by ACH ; regardless, they charged interest while holding my funds rather than waiting until they sent the funds.
|
| 08/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Unauthorized hard inquiries from XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and XXXX XXXX IN all occurring on XX/XX/2018.
Subsequently I was contacted by Big Picture Loans on XX/XX/XXXX claiming I owed money on a loan that I never took out with them. This has been documented in complaint # XXXX.
|
| 04/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Prosper Account # XXXX for {$35000.00} are the sole responsibility of XXXX XXXX XXXX, XXXX, XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX XXXX SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.
|
| 10/16/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
Well I did application online for Prosper now theres supposed to account from there firm been calling and emailing me he has all my information he acting like hes Prosper and he must have there system hacked because he knew to much Hes been calling from XXXX XXXX XXXX he says his name is XXXX XXXX
|
| 09/24/2018 |
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
|
|
Web |
|
|
I was searching through XXXX XXXX for some personal loans just looking, when I received a email around XXXX about a credit inquiry concerning my credit report from these lenders XXXX & XXXX, I did not authorize them too pull my credit. They ran my credit at XXXX on XX/XX/18, please dispute this.
|
| 06/25/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
Servicemember |
|
I called and wrote Prosper to revoke my ach payment authorization abs they OK it but the ach payment continued. I filed XXXX XXXX bankruptcy on XX/XX/22 and the clerk verified that they were notified and the ach withdrawals continued and XXXX XXXX XXXX not Prosper could stop the ach payments
|
| 08/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I entered into a settlement of my debt due to COVID-19 and made every monthly payment of the settlement. Despite timely monthly payments, I am being reported as 60 days late which is not the status of the accommodation. My FICO has dropped over XXXX points, impacting my ability to refinance.
|
| 12/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act convergent accounts below violated my rights to laws 15 U.S.C. 1681 SECTION 602A - Which states that I have the right to privacy. 15 U.S.C. 1681 SECTION 604A- Consumer report agency can not furnish an account without my written instructions.
|
| 10/30/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
Lender is not licensed to do business in the State of New York as required by New York Banking Law Article IX and is charging interest and other fees not permitted under N.Y. Banking Law Article IX and is attempting to use a XXXX in an attempt to give its loans an appearance of legitimacy.
|
| 08/20/2021 |
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
|
|
Web |
|
|
On XX/XX/2021, Prosper XXXX XXXX listed a hard inquiry on my credit report that I did not make. Upon requesting removal, I was told to file a police report if I thought it was wrong. I have no loan through them and I wasn't even in their system when I called to inquire about its removal.
|
| 06/13/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I wrote Prosper Marketplace on XX/XX/2019 via Certified Mail for them to contact XXXX XXXX XXXXf concerning my loan payments. I also told them to it when I answered the phone on XX/XX/XXXX. However they called me from telephone number XXXX three times on XX/XX/XXXX and four times today.
|
| 12/08/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I previously disputed an item appearing on my credit report as identity theft. I have been a victim of identity theft and this account is not mine. I have previously provided a police report and have attached it again.
The disputed account is : Prosper Marketplace - Acct # XXXX ....
|
| 03/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
Servicemember |
|
The card keeps showing restricted, Every other week I have to keep calling them. They unrestricted it and they did it again this month. When I call them they put me on hold and never come back saying theyre looking at my account. I dont understand what kind of company does this.
|
| 02/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2018 Prosper loan submitted my credit for a loan that was taken out by another person. They addressed all the information and made the loan in this person name and used my social. I have contacted them to fix the error they made and to take it off of my credit report.
|
| 06/16/2021 |
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
|
|
Web |
|
|
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
|
| 10/23/2023 |
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
|
|
Web |
|
|
I entered into a debt consolidation program during COVID to work out payment settlements with some of my creditors. Some of the creditors that qualified and agreed to the terms and settlements of the program continued to report negatively even after accepting payments.
|
| 03/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Prosper has agrees to settle my account and has been deducting payments from my bank since XX/XX/2017. They are still sending delinquent notices and reporting to the credit bureau incorrectly. I have contacted and emailed them and the problem still has not been fixed
|
| 01/18/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Older American, Servicemember |
|
Additional payments to principal. In discussing this with Prosper they stated that if I wanted to apply extra to the loan and only have it go to principal it needed to be made the same day the monthly loan payment was applied and it needed to be done prior to XXXX.
|
| 10/31/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I was discharged from chapter XXXX bankruptcy on XX/XX/2018 and XXXX still has an account Prosper Marketplace as showing charged off bad debt/ purchased by another lender. Account needs to be updated and corrected to reflect included and discharged in bankruptcy.
|
| 09/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This account was reported as delinquent when the account is setup on auto pay and no statement received shows that the account was past due or delinquent nor was a notice mailed or emailed the there was an issue with the auto pay or that any payment was returned,
|
| 05/19/2022 |
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
|
|
Web |
|
|
XXXX XXXX has a loan listed on my credit reports with XXXX and XXXX ( and possibly XXXX ), but I never took out this loan. I spoke with a call center rep on XX/XX/22, and she confirmed I do not have an account. This loan should be removed from my credit reports.
|
| 04/29/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX was included in my chapter XXXX Bankruptcy from the beginning. It should not be reporting open nor should it be reporting late. I have contacted the company and they was supposed to stop in the month of XX/XX/XXXX. This is a clear case of false status.
|
| 03/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I was served a summons about a debt that I do not remember taking out. the original loan was if prosper.
the original loan was for XXXX. The paperwork that i got says that it should have been pais off in 2018. I fill that someone took this ioan out in my mane.
|
| 03/31/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am filing this complaint cause there is a loan in my credit that is fraudulent. I have tried to get this matter resolved by filing a police report and a identity theft report with law enforcement and have not bee able to get anyone to help me get this removed
|
| 12/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
The bank sent me a statement prior to the credit card. I was charged a {$39.00} fee on XX/XX/2022 before I activated the card. I did not have the opportunity to enroll in automatic payments to have the fee waived and did not activate the card until XX/XX/2022.
|
| 01/29/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Older American |
|
This account was discharged in a bankruptcy on XX/XX/year> in the State of CT. I've contacted Prosper numerous times over the last few weeks to tell them but they continue sending me emails, messages and today I received a letter from them in the mail.
|
| 10/17/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
My loan XXXX was settled in full on XXXX/XXXX/XXXX and is still showing on my credit report as due. This needs to show either paid in full or settled in full to resolve this on my credit reports. Can someone go into XXXX and post this to the XXXX 's?
|
| 12/24/2021 |
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
|
|
Web |
|
|
Received email dated XX/XX/22 about my loan application on XXXX. I never authorized or initiated a loan application. This was not me. My complaint is that they are not thorough enough in their process to identify that whoever applied was not me.
|
| 06/13/2022 |
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
|
|
Web |
|
|
I submitted application through XXXX XXXX and was advised that inquiry would be soft inquiry that would not affect my credit score ; however upon review of my XXXX credit report it appears as hard inquiry which resulted in drop of credit score.
|
| 07/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XX/XX/2023, per the FCRA, I notified Prosper Funding LLC that I elected to opt-out of any and all authorizations I may have provided them to provide my personal non-public information to any non-affiliated third party based on 15 USC 6802 .
|
| 01/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Prosper account Loan # XXXX Showing on my credit report as being late payments incorrectly. Prosper made errors when adding my bank account for automatic payments and accepted fault. They 're negatively reporting on an account that is current.
|
| 01/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Account Type, Status, Status Update, Balance, Balance Updated, Your statement and payment history is incorrect on XXXX, XXXX XXXX XXXX. This account should be deleted from my credit report. ( Credit Report From ( 3 ) three bureaus attached. )
|
| 01/06/2022 |
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
|
|
Web |
|
|
I viewed my XXXX credit report and noticed XXXX inquiries for attempts to establish credit. Below are the inquires with the inquiry date : XXXX XXXX Services : XX/XX/XXXX Prosper/XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX
|
| 08/12/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
Servicemember |
|
company will not provide me with a forensic analysis of my account to prove that payments made did not go through. I would like the ACH transaction code that goes with each transaction make on the account from the loan original start date.
|
| 01/30/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I wanted to opt out of the reporting of the utilization of the credit card.Per the law 16CFR313 the Privacy of Consumer Financial Information Rule under the Gramm-Leach-Bliley Act they are violating the law of reporting to a third party.
|
| 08/21/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
This loan is hard to keep up with. It's been a year of making payments and I Still owe more than I borrowed. It's a huge financial burden.. I explained to their reps that this loan was taken because my finances were hit hard from covid.
|
| 03/22/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Payment is overdue by 1 month, have been receiving calls excessively every day starting at XXXX and throughout. Have received over 4 calls within the first hour and over 10 calls a day. When answered the system does not respond
|
| 09/20/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I told my niece I would co-sign a loan with her. She quit making payments. I got on computer and look at prosper. XXXX XXXX put a {$7000.00} loan in my name and electronically sign it. This is computer fraud and identity theft.
|
| 05/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I have contacted Prosper by Phone and email the post two weeks, and all three times they stated they were working on removing the Annual Fee for Accounts with Auto Pay. Its been two weeks and the Fee is still on XXXX Account.
|
| 12/26/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
XXXX XXXXXXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX {$67.00} XXXX XXXX XXXX {$28.00} XXXX XXXX XXXX {$99.00} XXXX XXXX XXXX {$69.00} All these tractions are not authorized by myself, and they are fraudulent transactions
|
| 07/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
Between the month of XX/XX/2023- XX/XX/2023 significant payments were made to my prosper credit card that processed. Later Im told all payments reversed and I owe all past payments. I need to have this removed.
|
| 03/21/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX created a fake transaction about a bad check when I never tried to send them any payment ever They also are trying to charge a late fee likely due to the fraudulent fake check that they made up
|
| 10/17/2023 |
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
|
|
Web |
|
|
I have XXXX hard inquiries on my credit report for accounts that were never opened as a result of identity theft.The hard inquiries must be removed within XXXX business days per as per USC 1681c-2
|
| 08/25/2019 |
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
|
|
Web |
|
|
I was checking prequalified offers through my XXXX XXXX app. It clearly stated it wont impact my credit score and a hard inquiry wont be used. A complete contradiction to what actually happened.
|
| 01/04/2024 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Prosper call 57 times in a 2 week period Then calling 30+ times one week Once then I was able to log in to make a part payment then the account was closed out and sent to different companies.
|
| 09/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Went to use the card it was declined. Noticed multiple fraudulent charges on the account filed and nothing was ever done. Made contact with the office of the CEO and still nothing being done.
|
| 05/02/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Older American |
|
In more than 10 years Ive never been able to get a loan here. Now twice a day Im getting loan offers, becoming a nuisance. Temptation to lower my credit score knowing a denial is inevitable.
|
| 02/13/2020 |
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
|
|
Web |
|
|
Received a notification that I had applied for account with XXXX prosper when I have never applied for this bank or account they need to remove their inquiry from my report immediately!!!
|
| 08/23/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
I received an email that I was denied a line of credit that I never applied for : It didn't include my full name, and when I called the company, they could fine no record of me applying.
|
| 04/14/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
Prosper Market Place INC sold account to another vendor, meaning they wrote off the debt on their taxes which wrote off the obligation to pay. Contract was cancelled " NO CONTRACT ''
|
| 11/16/2022 |
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
|
|
Web |
Servicemember |
|
Fraudulent inquiries on my XXXX credit report XXXXXXXX XXXX XXXX inquired XX/XX/XXXX XXXX XXXX inquired XX/XX/XXXX PROSPER/XXXX inquired XX/XX/XXXX XX/XX/XXXX
|
| 12/14/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I am preapproved through prosper and for whatever reason they discontinued my account and they told me I could never apply for a loan with no explanation why.
|
| 07/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
|
| 04/14/2021 |
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
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
|
| 08/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
Have been adversely affected by COVID 19 and worked out forbearance program with Prosper but was still reported as having a late payment to credit bureaus.
|
| 01/25/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Servicemember |
|
Prosper market showing I owe {$75.00} and reporting late pay each month when account is noted as charge off Ive never received documentation per the FDCPA
|
| 03/10/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
Lender required last 4 of SSN for identification and has no alternate method for account owner authentication. SSN is never to be used for identification.
|
| 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
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regard to the incorrect items on my credit report. It has been well over 30 days and I haven't received investigation results.
|
| 07/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have Filed Paperwork for these accounts before and the companies have re reported the false info again. these accounts were due to identity theft.
|
| 12/17/2017 |
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
|
|
Web |
Older American |
|
XXXX in XXXX XXXX is on my credit report - do not recognized this company XXXX XXXX in XXXX XXXX is on my credit report - did ant apply for anything
|
| 05/23/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Older American |
|
I paid-off my installment loan on XXXX / XXXX / 17 . Prosper does not want to give me a pay-off statement. Please help me. Thanks Loan # XXXX
|
| 10/25/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
They be calling me alot and telling me stuff i have alot of calls and XXXX me and have alot text messages about whag they going to do to me
|
| 03/04/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
they are charging me more than i received and they charged me {$100.00} for the first months interest and its not even the first month
|
| 02/25/2017 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Web |
|
|
Unauthorized credit Inquiry on XX/XX/2017 Creditor Contact Details PROSPER MARKETPLACE 0 XXXX XXXX XXXX SU XXXX, CA XXXX ( XXXX ) XXXX
|
| 05/14/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
Older American, Servicemember |
|
PROSPER is deducting money ckecking account. I have them to stop there transfers, but they keep on doing it.
{$2500.00} a month e
|
| 12/30/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Servicemember |
|
I try to apply for a loan and they will not fix my profile so I can sign the loan documents.Customer service keeps hanging up.
|
| 09/13/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
Prosper stopped taking autopay and did not notify me causing payments to be late. They made no attempts to call, or mail me
|
| 02/02/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
I cant use my debit card to make a payment on my loan. They want to get my routing number and drain my account dry.
|
| 01/15/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
I discovered that the interest rate on my loan ( 23.12 % ) exceeds the maximum allowed by North Carolina state law.
|
| 05/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with fraud alerts or security freezes
|
|
Web |
|
|
Received several emails about loans that were opened in my name along with a credit card that was mailed to me.
|
| 05/07/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
I received an email from Propser that they pulled my XXXX XXXX and XXXX score yet I never applied for a loan.
|
| 04/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
|
|
Was unemployed for a while reached out to the company for a one time payment settlement they refused.
|
| 05/09/2018 |
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
|
|
Web |
|
|
When I pulled the credit report there was an authorized hard inquiry that I haven't authorized anyone
|
| 09/13/2019 |
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
|
|
Web |
|
|
XXXX did not correct error with reporting from Prosper. Prosper will not correcet incorrect billing.
|
| 09/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Credit reports show that the account is charged off yet this account is settled and paid in full.
|
| 12/03/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Older American |
|
Repeated loan offers that havent existed for people of XXXX like me for over 10 years of trying.
|
| 11/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XXXX. XXXX, 2020, PROSPER/XXXX add a hard inquiry on my credit report per XXXX.
|
| 03/28/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I HAVE ASKED REPEATEDLY THAT THEY NOT CONTACT ME VIA PHONE, THEY CONTINUE TO DO SO
|
| 10/12/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
The account is paid off and closed but it is reporting as open
|
| 03/09/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
Loan made under my credit I did not personally apply for
|
| 07/23/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
The loan is paid in full but stilling show a balance
|
| 08/06/2022 |
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
|
|
Web |
|
|
delete this inquiry its not mines they refused too
|
| 09/13/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Servicemember |
|
Payments not applied correctly
|
| 01/28/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Servicemember |
|
|
| 01/12/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
|
| 12/30/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
|
| 12/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 12/07/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 11/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem with product or service terms changing
|
|
Web |
|
|
|
| 11/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/08/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 11/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 10/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 10/16/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 10/02/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/28/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 09/26/2023 |
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
|
|
Web |
|
|
|
| 09/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 09/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 09/21/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
|
| 09/15/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
|
|
|
| 09/14/2023 |
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
|
|
Web |
|
|
|
| 09/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/05/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/02/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/25/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Phone |
|
|
|
| 08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/13/2023 |
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
|
|
Web |
|
|
|
| 07/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Phone |
Older American |
|
|
| 07/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
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
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 06/29/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 06/19/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 06/15/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 06/13/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
|
| 06/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
|
| 05/31/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
|
|
Web |
|
|
|
| 05/29/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 05/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 05/22/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 05/22/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 05/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
|
| 05/18/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 05/17/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Phone |
|
|
|
| 05/15/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
|
| 05/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/12/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 05/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
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
|
|
Web |
|
|
|
| 04/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
|
| 04/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
|
| 04/10/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Phone |
|
|
|
| 04/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 04/05/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 03/29/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Phone |
|
|
|
| 03/29/2023 |
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
|
|
Web |
|
|
|
| 03/13/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Phone |
Older American |
|
|
| 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
|
|
Web |
|
|
|
| 02/27/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 02/21/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Phone |
|
|
|
| 02/16/2023 |
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
|
|
Web |
|
|
|
| 02/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 02/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/01/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 01/31/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 01/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/26/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
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
|
|
Web |
|
|
|
| 01/09/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Phone |
|
|
|
| 01/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/30/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
|
| 12/19/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
|
| 12/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/28/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/24/2022 |
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
|
|
Web |
|
|
|
| 11/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/07/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 11/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
Servicemember |
|
|
| 11/04/2022 |
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
|
|
Web |
|
|
|
| 11/01/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 10/31/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 10/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 10/26/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 10/09/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 10/03/2022 |
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
|
|
Web |
|
|
|
| 10/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
|
| 09/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
|
| 09/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
Older American, Servicemember |
|
|
| 08/26/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/18/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Referral |
|
|
|
| 08/09/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Phone |
Older American |
|
|
| 08/06/2022 |
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
|
|
Web |
|
|
|
| 07/21/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
Older American |
|
|
| 07/13/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 07/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Phone |
Older American |
|
|
| 07/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
|
| 07/08/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
Older American, Servicemember |
|
|
| 06/27/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Phone |
|
|
|
| 06/21/2022 |
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
|
|
Web |
|
|
|
| 06/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/12/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
|
| 06/10/2022 |
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
|
|
Web |
|
|
|
| 06/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/24/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Phone |
|
|
|
| 05/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
|
| 04/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
|
| 04/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/17/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 03/15/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
Servicemember |
|
|
| 03/10/2022 |
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
|
|
Web |
|
|
|
| 02/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/17/2022 |
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
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 02/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Phone |
Older American |
|
|
| 02/14/2022 |
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
|
|
Web |
Older American |
|
|
| 02/01/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
Servicemember |
|
|
| 01/31/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
|
|
|
| 01/31/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
|
|
|
| 01/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
|
| 01/28/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Phone |
Older American |
|
|
| 01/23/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
|
| 01/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/07/2022 |
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
|
|
Web |
|
|
|
| 11/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 11/02/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
|
| 11/02/2021 |
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
|
|
Web |
|
|
|
| 10/23/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 10/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Problem getting your free annual credit report
|
|
Web |
|
|
|
| 10/21/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/13/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 10/12/2021 |
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
|
|
Web |
|
|
|
| 09/27/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
|
| 09/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/05/2021 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 09/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/31/2021 |
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
|
|
Web |
|
|
|
| 08/18/2021 |
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
|
|
Web |
|
|
|
| 08/09/2021 |
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
|
|
Web |
|
|
|
| 05/29/2021 |
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
|
|
Web |
|
|
|
| 04/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
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
|
|
Web |
|
|
|
| 03/30/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Funds not received from closed account
|
|
Referral |
|
|
|
| 03/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/05/2021 |
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
|
|
Web |
|
|
|
| 02/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/22/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/21/2021 |
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
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 02/15/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
|
| 01/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/15/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/14/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/13/2020 |
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
|
|
Web |
Servicemember |
|
|
| 12/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/01/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/17/2020 |
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
|
|
Web |
|
|
|
| 09/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Referral |
|
|
|
| 08/15/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 08/13/2020 |
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
|
|
Referral |
|
|
|
| 08/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Fax |
|
|
|
| 07/24/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/14/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/14/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 07/13/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 07/12/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 07/08/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American, Servicemember |
|
|
| 07/08/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 06/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 06/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/04/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 05/28/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Phone |
|
|
|
| 05/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/18/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Referral |
|
|
|
| 05/14/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Referral |
|
|
|
| 05/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/06/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Phone |
Older American |
|
|
| 05/04/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/04/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Referral |
|
|
|
| 04/22/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 04/22/2020 |
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
|
|
Web |
|
|
|
| 04/19/2020 |
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
|
|
Web |
Servicemember |
|
|
| 04/08/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/04/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 02/22/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/14/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Servicemember |
|
|
| 12/18/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Older American, Servicemember |
|
|
| 12/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/10/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
|
| 12/02/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 12/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/20/2019 |
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
|
|
Web |
|
|
|
| 11/07/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Referral |
Older American |
|
|
| 11/05/2019 |
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
|
|
Web |
|
|
|
| 11/04/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 11/02/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
|
| 10/10/2019 |
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
|
|
Web |
|
|
|
| 09/19/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Phone |
Older American, Servicemember |
|
|
| 09/14/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
|
| 08/15/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 08/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
|
| 08/02/2019 |
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
|
|
Web |
|
|
|
| 07/26/2019 |
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
|
|
Web |
|
|
|
| 07/09/2019 |
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
|
|
Web |
|
|
|
| 07/01/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/10/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Postal mail |
Older American |
|
|
| 04/10/2019 |
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
|
|
Web |
Servicemember |
|
|
| 03/18/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
|
| 03/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/04/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
|
| 03/03/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 02/21/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 02/13/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/30/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 01/18/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/17/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 12/14/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 12/02/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 11/09/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/06/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 11/02/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Can't close your account
|
|
Referral |
|
|
|
| 10/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/20/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Referral |
|
|
|
| 09/14/2018 |
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
|
|
Web |
|
|
|
| 09/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/26/2018 |
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
|
|
Web |
Servicemember |
|
|
| 08/15/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/07/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 07/31/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Referral |
|
|
|
| 07/23/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 07/22/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
|
| 06/20/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 06/19/2018 |
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
|
|
Web |
|
|
|
| 06/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/17/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Phone |
|
|
|
| 05/13/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/04/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Postal mail |
|
|
|
| 04/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 03/20/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 03/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/01/2018 |
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
|
|
Web |
|
|
|
| 02/28/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 02/26/2018 |
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
|
|
Web |
|
|
|
| 02/19/2018 |
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
|
|
Web |
|
|
|
| 02/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Referral |
|
|
|
| 02/07/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 02/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/15/2018 |
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
|
|
Web |
Servicemember |
|
|
| 01/11/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/07/2018 |
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
|
|
Web |
|
|
|
| 12/27/2017 |
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
|
|
Web |
|
|
|
| 12/11/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 12/08/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 12/03/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/29/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 11/28/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/25/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/15/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Referral |
|
|
|
| 11/06/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Phone |
|
|
|
| 10/30/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
Servicemember |
|
|
| 10/23/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 10/13/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 10/02/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Older American |
|
|
| 09/21/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 09/20/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Phone |
|
|
|
| 09/11/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/11/2017 |
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
|
|
Referral |
|
|
|
| 09/08/2017 |
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
|
|
Web |
|
|
|
| 08/07/2017 |
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
|
|
Web |
|
|
|
| 06/29/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 06/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/23/2017 |
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
|
|
Web |
|
|
|
| 04/05/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 03/28/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
|
| 03/27/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 03/11/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 03/11/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 03/02/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 02/15/2017 |
Yes |
- Other financial service
- Debt settlement
|
- Customer service/Customer relations
|
|
Phone |
Servicemember |
|
|
| 02/10/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 02/06/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 01/24/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 01/23/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 01/19/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
Older American |
|
|
| 01/06/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
|
| 01/03/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 12/18/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 12/06/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
Older American |
|
|
| 12/05/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Fax |
|
|
|
| 11/30/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 10/31/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
|
| 09/23/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 08/05/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 07/29/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/22/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 06/16/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 05/28/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 05/04/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 04/27/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 04/15/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 04/08/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 03/24/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 03/10/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 02/03/2016 |
Yes |
|
- Applied for loan/did not receive money
|
|
Web |
|
|
|
| 01/19/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
|
| 12/14/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/05/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|