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.
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- 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.
| Year | Complaints |
|---|---|
| 2026, to Nov 6 | 23 |
| 2025 | 38 |
| 2024 | 32 |
| 2023 | 23 |
| 2022 | 21 |
| 2021 | 29 |
| 2020 | 24 |
| 2019 | 11 |
| 2018 | 8 |
| 2017 | 6 |
| 2016 | 2 |
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
| Issue | Complaints | Share |
|---|---|---|
| Incorrect information on your report | 23 | 24% |
| Attempts to collect debt not owed | 10 | 10.4% |
| Problem with a company's investigation into an existing problem | 10 | 10.4% |
| Improper use of your report | 9 | 9.4% |
| Took or threatened to take negative or legal action | 9 | 9.4% |
| Charged fees or interest you didn't expect | 5 | 5.2% |
| Getting the loan | 5 | 5.2% |
| Problem with additional add-on products or services | 5 | 5.2% |
| False statements or representation | 3 | 3.1% |
| Problem when making payments | 3 | 3.1% |
| Communication tactics | 2 | 2.1% |
| Fraud or scam | 2 | 2.1% |
| Charged upfront or unexpected fees | 1 | 1% |
| Confusing or misleading advertising or marketing | 1 | 1% |
| Electronic communications | 1 | 1% |
| Getting a credit card | 1 | 1% |
| Managing an account | 1 | 1% |
| Problem with the payoff process at the end of the loan | 1 | 1% |
| Problems receiving the advance | 1 | 1% |
| Struggling to pay your loan | 1 | 1% |
| Unexpected fees | 1 | 1% |
| Written notification about debt | 1 | 1% |
How the company responded
| Company response | Complaints | Share |
|---|---|---|
| Closed with explanation | 90 | 93.8% |
| Closed with monetary relief | 2 | 2.1% |
| Untimely response | 2 | 2.1% |
| Closed with non-monetary relief | 1 | 1% |
| In progress | 1 | 1% |
States
| State | Complaints | Share |
|---|---|---|
| Florida | 21 | 21.9% |
| Texas | 15 | 15.6% |
| Georgia | 8 | 8.3% |
| California | 7 | 7.3% |
| Arizona | 4 | 4.2% |
| Illinois | 4 | 4.2% |
| New York | 4 | 4.2% |
| Colorado | 3 | 3.1% |
| Kansas | 3 | 3.1% |
| Louisiana | 3 | 3.1% |
| Virginia | 3 | 3.1% |
| Massachusetts | 2 | 2.1% |
| Michigan | 2 | 2.1% |
| Missouri | 2 | 2.1% |
| North Carolina | 2 | 2.1% |
| Nevada | 2 | 2.1% |
| Alabama | 1 | 1% |
| Arkansas | 1 | 1% |
| Indiana | 1 | 1% |
| Maryland | 1 | 1% |
| Mississippi | 1 | 1% |
| New Jersey | 1 | 1% |
| Ohio | 1 | 1% |
| Tennessee | 1 | 1% |
| Utah | 1 | 1% |
Latest 50 complaints
Newest first. Each row links to the complaint's record in the CFPB database.
| Received | Product | Issue | Company response | Source |
|---|---|---|---|---|
| August 29, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| August 26, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | In progress | consumerfinance.gov |
| August 25, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| July 27, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with additional add-on products or services | Untimely response | consumerfinance.gov |
| June 23, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with additional add-on products or services | Untimely response | consumerfinance.gov |
| May 22, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| May 20, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| May 15, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| April 29, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| April 22, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| April 20, 2026 | Debt or credit management | Charged upfront or unexpected fees | Closed with explanation | consumerfinance.gov |
| April 17, 2026 | Payday loan, title loan, personal loan, or advance loan | Struggling to pay your loan | Closed with explanation | consumerfinance.gov |
| April 16, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| April 1, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with additional add-on products or services | Closed with explanation | consumerfinance.gov |
| March 30, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with the payoff process at the end of the loan | Closed with explanation | consumerfinance.gov |
| March 25, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| February 24, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| February 20, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with monetary relief | consumerfinance.gov |
| February 20, 2026 | Credit card | Getting a credit card | Closed with explanation | consumerfinance.gov |
| January 23, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| January 23, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with additional add-on products or services | Closed with explanation | consumerfinance.gov |
| January 20, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| January 7, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| December 23, 2025 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| December 22, 2025 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| December 20, 2025 | Payday loan, title loan, personal loan, or advance loan | Getting the loan | Closed with explanation | consumerfinance.gov |
| December 16, 2025 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| December 10, 2025 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| December 10, 2025 | Credit card | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| November 25, 2025 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| November 17, 2025 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| November 12, 2025 | Debt collection | Written notification about debt | Closed with explanation | consumerfinance.gov |
| November 7, 2025 | Payday loan, title loan, personal loan, or advance loan | Problem with additional add-on products or services | Closed with explanation | consumerfinance.gov |
| October 18, 2025 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| September 23, 2025 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| September 17, 2025 | Payday loan, title loan, personal loan, or advance loan | Confusing or misleading advertising or marketing | Closed with explanation | consumerfinance.gov |
| September 9, 2025 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| August 12, 2025 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| August 8, 2025 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| August 5, 2025 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| August 1, 2025 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| August 1, 2025 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| July 28, 2025 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| July 16, 2025 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| July 9, 2025 | Money transfer, virtual currency, or money service | Fraud or scam | Closed with explanation | consumerfinance.gov |
| July 6, 2025 | Debt collection | Electronic communications | Closed with explanation | consumerfinance.gov |
| June 21, 2025 | Debt collection | Communication tactics | Closed with explanation | consumerfinance.gov |
| June 12, 2025 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| May 13, 2025 | Checking or savings account | Managing an account | Closed with explanation | consumerfinance.gov |
| May 8, 2025 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
Also on SpecStream
- Every company with Credit reporting or other personal consumer reports complaints
- Every company with Debt collection complaints
- Every company with Payday loan, title loan, personal loan, or advance loan complaints
- Every company with Credit card complaints
- Consumer complaints in Florida
- Consumer complaints in Texas
- Consumer complaints in Georgia
- All consumer complaints
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.