|
11746259
|
2025-01-24
|
Fees or interest
|
Credit card
|
|
| Issue |
Fees or interest
|
| Timely |
Yes
|
| Company |
Prosper Marketplace, Inc.
|
| Product |
Credit card
|
| Sub Issue |
Problem with fees
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2025-01-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-24
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
My XXXX statement had XXXX limit with XXXX available credit.
I purchased tires for XXXX XXXX, after I did that, they dropped my credit limit to XXXX.
I called and they said it was because my XXXX XXXX dropped.
Now, my XXXX statement says I have a XXXX minimum payment due.
And I'll be charged XXXX late fee if it's not met.
Im disgusted at this. It's not right!
|
| Consumer Consent Provided |
Consent provided
|
|
|
11206622
|
2024-12-18
|
Getting a line of credit
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Tags |
Older American
|
| Issue |
Getting a line of credit
|
| Timely |
Yes
|
| Company |
Prosper Marketplace, Inc.
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Personal line of credit
|
| Date Received |
2024-12-18
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-18
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
|
11075083
|
2024-12-08
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Prosper Marketplace, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Credit card debt
|
| Date Received |
2024-12-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-08
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
The phone number XXXX has called numerous times throughout XXXX, XXXX, and XXXX. Theyve called me XXXX times since XXXX started. Its currently XX/XX/XXXX. They ask me to verify my name and I do, then they proceed to tell me that they cant find account information. I spoke to a XXXX and they submitted a ticket to their IT to have my name removed from the account, this was in late XXXX or early XXXX, but they continue to call me. Ive blocked their number, but when they last called, XX/XX/XXXX at XXXXXXXX XXXX I asked to speak to a supervisor and there wasnt XXXX available. I was transferred to Customer Service and found out they were operating out of the XXXX. I disconnected and blocked their number.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2829828
|
2018-03-01
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Prosper Marketplace, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Other personal consumer report
|
| Date Received |
2018-03-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-03-02
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2353170
|
2017-02-22
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Prosper Marketplace, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2017-02-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-03-20
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
9825821
|
2024-08-16
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Prosper Marketplace, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was already discharged in bankruptcy and is no longer owed
|
| Sub Product |
Other debt
|
| Date Received |
2024-08-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-16
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6686336
|
2023-03-13
|
Getting a line of credit
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Getting a line of credit
|
| Timely |
Yes
|
| Company |
Prosper Marketplace, Inc.
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Personal line of credit
|
| Date Received |
2023-03-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-13
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8423350
|
2024-02-26
|
Problem when making payments
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Problem when making payments
|
| Timely |
Yes
|
| Company |
Prosper Marketplace, Inc.
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Installment loan
|
| Date Received |
2024-02-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-27
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2865921
|
2018-04-05
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Prosper Marketplace, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2018-04-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-04-05
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10674720
|
2024-11-05
|
Advertising and marketing, including promotional offers
|
Credit card
|
|
| Issue |
Advertising and marketing, including promotional offers
|
| Timely |
Yes
|
| Company |
Prosper Marketplace, Inc.
|
| Product |
Credit card
|
| Sub Issue |
Didn't receive advertised or promotional terms
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2024-11-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-05
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6151188
|
2022-11-01
|
Other transaction problem
|
Money transfer, virtual currency, or money service
|
|
| Issue |
Other transaction problem
|
| Timely |
Yes
|
| Company |
Prosper Marketplace, Inc.
|
| Product |
Money transfer, virtual currency, or money service
|
| Sub Product |
Domestic (US) money transfer
|
| Date Received |
2022-11-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-11-02
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5471202
|
2022-04-20
|
Getting a line of credit
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Getting a line of credit
|
| Timely |
Yes
|
| Company |
Prosper Marketplace, Inc.
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Personal line of credit
|
| Date Received |
2022-04-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-05-12
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4298066
|
2021-04-14
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Prosper Marketplace, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Investigation took more than 30 days
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-04-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-04-14
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6740824
|
2023-03-23
|
Getting a line of credit
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Getting a line of credit
|
| Timely |
Yes
|
| Company |
Prosper Marketplace, Inc.
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Personal line of credit
|
| Date Received |
2023-03-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-23
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
