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Data / Consumer complaints / CreditNinja Lending, LLC / Payday loan, title loan, personal loan, or advance loan

CreditNinja Lending, LLC: 140 CFPB complaints about payday loan, title loan, personal loan, or advance loan, last 3 years

Updated November 7, 2026. Source: CFPB Consumer Complaint Database.

CreditNinja Lending, LLC drew 140 consumer complaints about payday loan, title loan, personal loan, or advance loan in the CFPB database in the three years to November 6, 2026, 57.6% of its 243 complaints in that time. The most common issue was “Charged fees or interest you didn't expect”. The company responded on time to 99.3% of them, and 6.4% closed with monetary or other relief.

The request: Watch CreditNinja Lending, LLC: each new CFPB complaint about payday loan, title loan, personal loan, or advance loan by issue, with the date and the company response. $10 of work on sign-up, no card.

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

  • 140Complaints, last 3 years
  • 57.6%Share of the company's complaints
  • 99.3%Responded on time
  • 6.4%Closed with relief
  • Nov 5, 2026Latest received

By period

The three years are cut into 12 month periods ending on the date of the latest data.

PeriodComplaintsShare
12 months to Nov 6, 20268258.6%
12 months to Nov 6, 20254632.9%
12 months to Nov 6, 2024128.6%

Issues

IssueComplaintsShare
Charged fees or interest you didn't expect6647.1%
Struggling to pay your loan1712.1%
Getting the loan1410%
Problem with the payoff process at the end of the loan107.1%
Problem when making payments64.3%
Received a loan you didn't apply for64.3%
Improper use of your report42.9%
Can't contact lender or servicer32.1%
Can't stop withdrawals from your bank account32.1%
Loan payment wasn't credited to your account21.4%
Problem with additional add-on products or services21.4%
Was approved for a loan, but didn't receive the money21.4%
Getting a line of credit10.7%
Incorrect information on your report10.7%
Money was taken from your bank account on the wrong day or for the wrong amount10.7%
Problem with a company's investigation into an existing problem10.7%
Unexpected fees10.7%

How the company responded

Company responseComplaintsShare
Closed with explanation13193.6%
Closed with non-monetary relief64.3%
Closed with monetary relief32.1%

States

Where the consumers who complained live, as they gave it to the CFPB.

StateComplaintsShare
Texas4028.6%
Florida2115%
California1913.6%
Indiana96.4%
South Carolina96.4%
Missouri85.7%
Arizona75%
Minnesota42.9%
Kentucky32.1%
Wisconsin32.1%
Arkansas21.4%
Kansas21.4%
Michigan21.4%
Nebraska21.4%
Alaska10.7%
Alabama10.7%
Georgia10.7%
Illinois10.7%
Louisiana10.7%
Nevada10.7%
Ohio10.7%
Oklahoma10.7%
Utah10.7%

Latest 25 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
November 5, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
October 29, 2026Payday loan, title loan, personal loan, or advance loanGetting the loanClosed with explanationconsumerfinance.gov
October 19, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
October 19, 2026Payday loan, title loan, personal loan, or advance loanGetting the loanClosed with explanationconsumerfinance.gov
October 6, 2026Payday loan, title loan, personal loan, or advance loanImproper use of your reportClosed with explanationconsumerfinance.gov
September 24, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
September 16, 2026Payday loan, title loan, personal loan, or advance loanCan't contact lender or servicerClosed with explanationconsumerfinance.gov
September 16, 2026Payday loan, title loan, personal loan, or advance loanReceived a loan you didn't apply forClosed with explanationconsumerfinance.gov
September 14, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
September 11, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
September 11, 2026Payday loan, title loan, personal loan, or advance loanCan't stop withdrawals from your bank accountClosed with explanationconsumerfinance.gov
September 9, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with non-monetary reliefconsumerfinance.gov
September 2, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
August 28, 2026Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanClosed with explanationconsumerfinance.gov
August 25, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
August 25, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
August 7, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
August 1, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
July 31, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
July 25, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
July 21, 2026Payday loan, title loan, personal loan, or advance loanCan't contact lender or servicerClosed with explanationconsumerfinance.gov
July 13, 2026Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanClosed with explanationconsumerfinance.gov
July 6, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
July 2, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
June 30, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov

Also on SpecStream

Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.