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Data / Consumer complaints / LendingUSA

LendingUSA: 96 CFPB consumer complaints in the last 3 years

LendingUSA drew 96 consumer complaints in the CFPB database in the three years to November 6, 2026, and 217 since 2016. The largest group, 39, was about credit reporting or other personal consumer reports, and the most common issue was “Incorrect information on your report” with 23. The company responded on time to 93.8% of the complaints, and 3.1% closed with monetary or other relief.

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.

  • 96Complaints, last 3 years
  • 217Complaints, all years
  • 93.8%Responded on time
  • 3.1%Closed with relief
  • 7Products
  • Aug 29, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 623
202538
202432
202323
202221
202129
202024
201911
20188
20176
20162

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

Issues

IssueComplaintsShare
Incorrect information on your report2324%
Attempts to collect debt not owed1010.4%
Problem with a company's investigation into an existing problem1010.4%
Improper use of your report99.4%
Took or threatened to take negative or legal action99.4%
Charged fees or interest you didn't expect55.2%
Getting the loan55.2%
Problem with additional add-on products or services55.2%
False statements or representation33.1%
Problem when making payments33.1%
Communication tactics22.1%
Fraud or scam22.1%
Charged upfront or unexpected fees11%
Confusing or misleading advertising or marketing11%
Electronic communications11%
Getting a credit card11%
Managing an account11%
Problem with the payoff process at the end of the loan11%
Problems receiving the advance11%
Struggling to pay your loan11%
Unexpected fees11%
Written notification about debt11%

How the company responded

Company responseComplaintsShare
Closed with explanation9093.8%
Closed with monetary relief22.1%
Untimely response22.1%
Closed with non-monetary relief11%
In progress11%

States

Latest 50 complaints

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

ReceivedProductIssueCompany responseSource
August 29, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 26, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsIn progressconsumerfinance.gov
August 25, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
July 27, 2026Payday loan, title loan, personal loan, or advance loanProblem with additional add-on products or servicesUntimely responseconsumerfinance.gov
June 23, 2026Payday loan, title loan, personal loan, or advance loanProblem with additional add-on products or servicesUntimely responseconsumerfinance.gov
May 22, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
May 20, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
May 15, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
April 29, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
April 22, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
April 20, 2026Debt or credit managementCharged upfront or unexpected feesClosed with explanationconsumerfinance.gov
April 17, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
April 16, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
April 1, 2026Payday loan, title loan, personal loan, or advance loanProblem with additional add-on products or servicesClosed with explanationconsumerfinance.gov
March 30, 2026Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanClosed with explanationconsumerfinance.gov
March 25, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
February 24, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
February 20, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with monetary reliefconsumerfinance.gov
February 20, 2026Credit cardGetting a credit cardClosed with explanationconsumerfinance.gov
January 23, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
January 23, 2026Payday loan, title loan, personal loan, or advance loanProblem with additional add-on products or servicesClosed with explanationconsumerfinance.gov
January 20, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
January 7, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
December 23, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
December 22, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
December 20, 2025Payday loan, title loan, personal loan, or advance loanGetting the loanClosed with explanationconsumerfinance.gov
December 16, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
December 10, 2025Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
December 10, 2025Credit cardIncorrect information on your reportClosed with explanationconsumerfinance.gov
November 25, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
November 17, 2025Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
November 12, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
November 7, 2025Payday loan, title loan, personal loan, or advance loanProblem with additional add-on products or servicesClosed with explanationconsumerfinance.gov
October 18, 2025Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
September 23, 2025Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
September 17, 2025Payday loan, title loan, personal loan, or advance loanConfusing or misleading advertising or marketingClosed with explanationconsumerfinance.gov
September 9, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
August 12, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
August 8, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
August 5, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
August 1, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
August 1, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
July 28, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
July 16, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
July 9, 2025Money transfer, virtual currency, or money serviceFraud or scamClosed with explanationconsumerfinance.gov
July 6, 2025Debt collectionElectronic communicationsClosed with explanationconsumerfinance.gov
June 21, 2025Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
June 12, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
May 13, 2025Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
May 8, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. 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.