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Data / Consumer complaints / Payday loan, title loan, personal loan, or advance loan

Payday loan, title loan, personal loan, or advance loan: 39,880 CFPB complaints in the last 3 years, by company

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

The CFPB database lists 39,880 consumer complaints about payday loan, title loan, personal loan, or advance loan in the three years to November 6, 2026, against 1,169 companies. Affirm Holdings, Inc has the largest count, 3,618, which is 9.1% of the product's complaints. Companies responded on time to 95.5% of them, and 6.8% closed with monetary or other relief. A count is not a rate: a company with more customers draws more complaints.

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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.

  • 39,880Complaints, last 3 years
  • 1,169Companies
  • 95.5%Responded on time
  • 6.8%Closed with relief
  • Nov 6, 2026Latest received

Companies by complaints

Ranked by the number of complaints, with each company's share of this product's complaints. Counts only: a larger company can draw more complaints.

CompanyComplaintsShareResponded on timeClosed with relief
Affirm Holdings, Inc3,6189.1%99.9%0%
OneMain Finance Corporation2,2785.7%100%7.6%
Paramount GR Holdings, LLC1,2763.2%99.2%0.2%
CCF Intermediate Holdings LLC1,1732.9%99.8%2.6%
Enova International, Inc.1,1042.8%100%0.6%
Klarna AB9162.3%93.3%9.3%
Block, Inc.6281.6%95.2%6.8%
Truist Financial Corporation6201.6%99.7%11.3%
Synchrony Financial6051.5%98.2%23.5%
Upstart Holdings, Inc.5921.5%99.8%2%
Upgrade, Inc.5851.5%100%2.7%
SoFi Technologies, Inc.5581.4%99.8%10%
MoneyLion Inc.4941.2%98.8%18%
Acima Credit, LLC4811.2%99.8%15.6%
Solar Mosaic LLC4451.1%67.2%0%
Opportunity Financial, LLC4191.1%100%1%
Uprova Credit, LLC4091%100%0%
Rosebud Economic Development Corporation3831%78.3%0%
Navy Federal Credit Union3811%100%18.9%
WLCC3620.9%97.5%0%
Dave Operating, LLC3520.9%96.6%0%
Mariner Finance, LLC3390.9%99.1%1.8%
Wells Fargo & Company3250.8%100%22.8%
Credit Fresh Holdings Inc3060.8%99.7%0%
Fifth Third Financial Corporation2900.7%100%6.6%
Wolf River Development Company2880.7%100%0%
Sezzle Inc.2870.7%97.2%1.7%
Ningo Lending LLC dba Spotloan2730.7%99.6%0%
Self Financial Inc.2660.7%99.2%0%
Greensky Operations, LLC2650.7%100%15.8%
Westlake Services, LLC2650.7%99.6%0%
Harpeth Financial Services, LLC2580.6%99.2%0%
Lendmark Financial Services2550.6%90.2%0%
Marlette Funding, LLC2540.6%99.6%17.7%
Paypal Holdings, Inc2490.6%100%34.5%
World Acceptance Corporation2460.6%99.2%18.3%
Bread Financial Holdings, Inc.2390.6%100%36.8%
Possible Financial Inc2310.6%98.7%5.2%
Zip Co US Inc.2280.6%93.4%0.9%
GVA Holdings, LLC2240.6%99.1%0%
CNG Financial Corporation2200.6%96.4%0%
Aqua Finance, Inc.2120.5%100%5.2%
Cherry Technologies Inc.2120.5%92.5%6.1%
Citibank, N.A.2110.5%100%26.1%
Regional Management Corporation2070.5%100%0%
LDF Holdings, LLC2050.5%98.5%0%
Kikoff Inc.2040.5%100%2.5%
Tower Loan of Mississippi, Inc.2040.5%99.5%0%
Chime Financial Inc1920.5%100%3.1%
Alorica Inc.1900.5%80.5%0%
Egl US, LLC1900.5%90%0%
Prosper Marketplace, Inc.1870.5%100%3.2%
Solar Servicing Holdings LLC1820.5%100%0%
Advance America, Cash Advance Centers, Inc.1790.4%77.1%1.1%
Westcreek Financial1790.4%46.9%4.5%
Wheels Financial Group, LLC.1730.4%97.7%0%
Oportun Financial Corporation1710.4%98.2%10.5%
Santander Holdings USA, Inc.1690.4%99.4%9.5%
Crow Creek Sioux Tribe1670.4%54.5%0%
Regions Financial Corporation1660.4%100%18.1%
Experian Information Solutions Inc.1650.4%100%9.1%
TransUnion Intermediate Holdings, Inc.1560.4%100%64.7%
Avant Holding Company, Inc.1490.4%100%1.3%
Healthcare Finance Direct LLC.1490.4%97.3%4%
Duvera Billing Services, LLC1480.4%100%0%
American First Finance, Inc.1470.4%100%55.8%
Thaxton Investment Corporation1470.4%100%14.3%
Equifax, Inc.1410.4%100%40.4%
LendingPoint Holdings LLC1410.4%98.6%27.7%
CreditNinja Lending, LLC1400.4%99.3%6.4%
Rfna, LP1380.3%98.6%23.2%
Citizens Financial Group, Inc.1360.3%100%14%
Bankers Healthcare Group LLC1350.3%100%2.2%
Skopos Financial, LLC1330.3%88.7%0%
Bank of America, National Association1290.3%100%7%
Sunlight Financial LLC1290.3%81.4%0.8%
2288984 Ontario Inc.1280.3%98.4%0%
Benht: Economic Development Corporation1270.3%72.4%0%
Albert Corporation1260.3%100%0%
American Express Company1250.3%99.2%28%
Security Finance Corp1250.3%100%0%
Transform Credit Inc.1220.3%91.8%10.7%
PNC Bank N.A.1180.3%100%2.5%
TD Bank US Holding Company1170.3%100%35.9%
Discover Bank1120.3%100%16.1%
Activehours1110.3%99.1%13.5%
Minto Financial dba Minto Money1060.3%91.5%0%
Tilt Finance, Inc.1060.3%100%29.2%
BMO Bank National Association1050.3%100%23.8%
JPMorgan Chase & Co.1040.3%100%6.7%
Bridge IT, Inc.1010.3%99%0%
1st Franklin Financial Corporation990.2%100%0%
Hanwha QCells USA Corp990.2%100%1%
U.S. Bancorp980.2%100%25.5%
Capital One Financial Corporation970.2%100%9.3%
Populus Financial Group, Inc. (F/K/A Ace Cash Express)970.2%99%1%
Uetsa Tsakits, Inc. d/b/a MaxLend960.2%85.4%0%
PatientFi, Inc.950.2%97.9%12.6%
Momnt Technologies, Inc.930.2%87.1%8.6%
Mobiloans, LLC920.2%0%0%

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, 202619,12748%
12 months to Nov 6, 202512,15930.5%
12 months to Nov 6, 20248,59421.5%

Issues

IssueComplaintsShare
Charged fees or interest you didn't expect9,53423.9%
Problem when making payments5,83114.6%
Struggling to pay your loan4,24810.7%
Getting the loan3,6109.1%
Problem with additional add-on products or services3,1517.9%
Problem with the payoff process at the end of the loan2,9717.4%
Incorrect information on your report2,6316.6%
Getting a line of credit1,2223.1%
Problem with a company's investigation into an existing problem9392.4%
Received a loan you didn't apply for6851.7%
Can't stop withdrawals from your bank account6641.7%
Can't contact lender or servicer5591.4%
Improper use of your report5231.3%
Issues with repayment3981%
Vehicle was repossessed or sold the vehicle3710.9%
Loan payment wasn't credited to your account3660.9%
Money was taken from your bank account on the wrong day or for the wrong amount3440.9%
Was approved for a loan, but didn't receive the money2570.6%
Confusing or misleading advertising or marketing2330.6%
Confusing or missing disclosures2140.5%
Problems receiving the advance2040.5%
Unexpected fees1780.4%
Credit monitoring or identity theft protection services1690.4%
Problem with cash advance1450.4%
Vehicle was damaged or destroyed the vehicle980.2%

Sub-products

Sub-productComplaintsShare
Installment loan23,14758%
Personal line of credit6,71716.8%
Payday loan6,15815.4%
Title loan2,4806.2%
Other advances of future income7641.9%
Earned wage access4191.1%
Pawn loan1320.3%
Tax refund anticipation loan or check630.2%

How companies responded

Company responseComplaintsShare
Closed with explanation36,01790.3%
Closed with non-monetary relief1,4223.6%
Closed with monetary relief1,2903.2%
In progress6331.6%
Untimely response5181.3%

States

StateComplaintsShare
Texas4,66611.7%
California4,43011.1%
Florida4,09110.3%
Georgia2,1805.5%
New York1,6324.1%
Ohio1,3553.4%
North Carolina1,3103.3%
Illinois1,2323.1%
Pennsylvania1,2053%
New Jersey1,1252.8%
Virginia1,1142.8%
Arizona1,0242.6%
Tennessee1,0002.5%
Michigan9392.4%
South Carolina9192.3%
Maryland9072.3%
Louisiana8092%
Alabama7441.9%
Missouri7161.8%
Washington6961.7%
Indiana6811.7%
Nevada5551.4%
Colorado5381.3%
Mississippi4971.2%
Massachusetts4821.2%

Latest 50 complaints

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

ReceivedCompanyIssueCompany responseSource
November 6, 2026TransUnion Intermediate Holdings, Inc.Getting the loanIn progressconsumerfinance.gov
November 6, 2026Uprova Credit, LLCStruggling to pay your loanIn progressconsumerfinance.gov
November 5, 2026GVA Holdings, LLCWas approved for a loan, but didn't receive the moneyClosed with explanationconsumerfinance.gov
November 5, 2026Self Financial Inc.Can't contact lender or servicerIn progressconsumerfinance.gov
November 5, 2026Snap US Holdings, LLCCharged fees or interest you didn't expectIn progressconsumerfinance.gov
November 5, 2026Skopos Financial, LLCProblem with the payoff process at the end of the loanIn progressconsumerfinance.gov
November 5, 2026Flandreau Santee Sioux TribeStruggling to pay your loanClosed with explanationconsumerfinance.gov
November 5, 2026Block, Inc.Charged fees or interest you didn't expectIn progressconsumerfinance.gov
November 5, 2026Uprova Credit, LLCCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
November 5, 2026Sezzle Inc.Charged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
November 5, 2026Uprova Credit, LLCCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
November 5, 2026Upstart Holdings, Inc.Problem when making paymentsIn progressconsumerfinance.gov
November 5, 2026CreditNinja Lending, LLCCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
November 5, 2026Uprova Credit, LLCCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
November 4, 2026SoFi Technologies, Inc.Getting the loanClosed with explanationconsumerfinance.gov
November 4, 2026Upstart Holdings, Inc.Problem with the payoff process at the end of the loanIn progressconsumerfinance.gov
November 4, 2026Block, Inc.Problem with additional add-on products or servicesIn progressconsumerfinance.gov
November 4, 2026Schoolsfirst Federal Credit UnionStruggling to pay your loanClosed with explanationconsumerfinance.gov
November 4, 2026Solar Servicing Holdings LLCProblem with the payoff process at the end of the loanIn progressconsumerfinance.gov
November 4, 2026OneMain Finance CorporationStruggling to pay your loanIn progressconsumerfinance.gov
November 4, 2026Uprova Credit, LLCCharged fees or interest you didn't expectIn progressconsumerfinance.gov
November 4, 2026Skopos Financial, LLCProblem with the payoff process at the end of the loanIn progressconsumerfinance.gov
November 4, 2026OneMain Finance CorporationProblem with additional add-on products or servicesIn progressconsumerfinance.gov
November 4, 2026Self Financial Inc.Incorrect information on your reportIn progressconsumerfinance.gov
November 3, 2026OneMain Finance CorporationCharged fees or interest you didn't expectIn progressconsumerfinance.gov
November 3, 2026Uprova Credit, LLCProblem with additional add-on products or servicesClosed with explanationconsumerfinance.gov
November 3, 2026Self Financial Inc.Problem with a company's investigation into an existing problemIn progressconsumerfinance.gov
November 3, 2026Upstart Holdings, Inc.Problem when making paymentsIn progressconsumerfinance.gov
November 3, 2026Skopos Financial, LLCGetting the loanIn progressconsumerfinance.gov
November 3, 2026Belmont Finance LLCGetting the loanClosed with explanationconsumerfinance.gov
November 3, 2026Uprova Credit, LLCCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
November 3, 2026Upstart Holdings, Inc.Problem when making paymentsIn progressconsumerfinance.gov
November 3, 2026Harpeth Financial Services, LLCProblem when making paymentsClosed with explanationconsumerfinance.gov
November 3, 2026Opportunity Financial, LLCCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
November 3, 2026Acima Credit, LLCCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
November 3, 2026Upstart Holdings, Inc.Charged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
November 3, 2026Bison Bucks LendingCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
November 3, 2026Upstart Holdings, Inc.Struggling to pay your loanIn progressconsumerfinance.gov
November 3, 2026Self Financial Inc.Problem when making paymentsIn progressconsumerfinance.gov
November 2, 2026Uprova Credit, LLCGetting the loanIn progressconsumerfinance.gov
November 2, 2026Hidden Meadow LendingProblem with additional add-on products or servicesClosed with explanationconsumerfinance.gov
November 2, 2026Uprova Credit, LLCStruggling to pay your loanIn progressconsumerfinance.gov
November 2, 2026Upstart Holdings, Inc.Getting the loanIn progressconsumerfinance.gov
November 2, 2026Snap US Holdings, LLCCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
November 2, 2026Block, Inc.Charged fees or interest you didn't expectIn progressconsumerfinance.gov
November 2, 2026Solar Servicing Holdings LLCGetting the loanIn progressconsumerfinance.gov
November 2, 2026Fifth Third Financial CorporationProblem when making paymentsClosed with explanationconsumerfinance.gov
November 2, 2026Solar Servicing Holdings LLCStruggling to pay your loanIn progressconsumerfinance.gov
November 2, 2026Upstart Holdings, Inc.Problem with a company's investigation into an existing problemIn progressconsumerfinance.gov
November 2, 2026Upstart Holdings, Inc.Struggling to pay your loanIn progressconsumerfinance.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.