Who is complaining aboutPayday loan, title loan, or personal loan?
When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.
The CFPB does not verify every allegation in a complaint before publishing it.Consumer Financial Protection Bureau, Consumer Complaint Database. A complaint is a consumer's account of a problem; it is not a finding against the company.
“Payday loan, title loan, or personal loan” is a product label the CFPB no longer uses for new complaints. The database holds 30,614 complaints under it, received between 24 Apr 2017 and 24 Aug 2023; later complaints of this kind are filed under a newer label.
The figures on this page cover every year the label was in use. Company responses: 88.9% closed with an explanation, 5% closed with non-monetary relief, 5.1% closed with monetary relief.
Companies with the most complaints, with their size
Ordered by complaint count since 2011. The size column is the public measure this site could match to the company.
| Company (as named by the CFPB) | Complaints, all years | Share | Company size |
|---|---|---|---|
| ENOVA INTERNATIONAL, INC. | 983 | 3.2% | no public measure |
| WELLS FARGO & COMPANY | 978 | 3.2% | $1.92tn assets |
| OneMain Finance Corporation | 823 | 2.7% | no public measure |
| CURO Intermediate Holdings | 654 | 2.1% | no public measure |
| TMX Finance LLC | 644 | 2.1% | no public measure |
| SYNCHRONY FINANCIAL | 631 | 2.1% | $115bn assets |
| Affirm Holdings, Inc | 594 | 1.9% | no public measure |
| ONEMAIN FINANCIAL HOLDINGS, LLC. | 543 | 1.8% | no public measure |
| LDF Holdings, LLC | 540 | 1.8% | no public measure |
| Lending Club Corp | 531 | 1.7% | no public measure |
| Big Picture Loans, LLC | 444 | 1.5% | no public measure |
| MoneyLion Inc. | 424 | 1.4% | no public measure |
| PNC Bank N.A. | 386 | 1.3% | $610bn assets |
| NAVY FEDERAL CREDIT UNION | 365 | 1.2% | $204bn assets |
| Populus Financial Group, Inc. (F/K/A Ace Cash Express) | 362 | 1.2% | no public measure |
| MARINER FINANCE, LLC | 361 | 1.2% | no public measure |
| BANK OF AMERICA, NATIONAL ASSOCIATION | 347 | 1.1% | $2.65tn assets |
| CNG FINANCIAL CORPORATION | 314 | 1% | no public measure |
| TRUIST FINANCIAL CORPORATION | 310 | 1% | $548bn assets |
| UPGRADE, INC. | 309 | 1% | no public measure |
| CITIZENS FINANCIAL GROUP, INC. | 294 | 1% | $233bn assets |
| GreenSky, LLC | 292 | 1% | no public measure |
| Upstart Holdings, Inc. | 282 | 0.9% | no public measure |
| World Acceptance Corporation | 270 | 0.9% | no public measure |
| Bread Financial Holdings, Inc. | 258 | 0.8% | $21bn assets |
| Tower Loan of Mississippi, Inc. | 257 | 0.8% | no public measure |
| GVA Holdings, LLC | 255 | 0.8% | no public measure |
| Ningo Lending LLC dba Spotloan | 252 | 0.8% | no public measure |
| TD BANK US HOLDING COMPANY | 247 | 0.8% | $375bn assets |
| CITIBANK, N.A. | 241 | 0.8% | $1.98tn assets |
| All other companies, including those not listed by name | 17,423 | 56.9% | — |
CFPB: “When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.” The CFPB does not verify every allegation in a complaint before publishing it. 10 of the 30 companies in this table have a public size measure. “No public measure” means the company could not be matched by name to a single institution in the FDIC, NCUA or HMDA files, not that it is small.
Issues
- Charged fees or interest you didn't expect7,317 · 23.9%
- Struggling to pay your loan4,243 · 13.9%
- Problem when making payments3,958 · 12.9%
- Problem with the payoff process at the end of the loan2,930 · 9.6%
- Getting the loan2,320 · 7.6%
- All other categories9,846 · 32.2%
| Issue (CFPB label) | Complaints | Share |
|---|---|---|
| Charged fees or interest you didn't expect | 7,317 | 23.9% |
| Struggling to pay your loan | 4,243 | 13.9% |
| Problem when making payments | 3,958 | 12.9% |
| Problem with the payoff process at the end of the loan | 2,930 | 9.6% |
| Getting the loan | 2,320 | 7.6% |
| Getting a line of credit | 1,875 | 6.1% |
| Incorrect information on your report | 1,785 | 5.8% |
| Problem with additional add-on products or services | 1,086 | 3.5% |
| Received a loan you didn't apply for | 832 | 2.7% |
| Can't contact lender or servicer | 734 | 2.4% |
| Can't stop withdrawals from your bank account | 476 | 1.6% |
| Loan payment wasn't credited to your account | 465 | 1.5% |
| Improper use of your report | 441 | 1.4% |
| Problem with a credit reporting company's investigation into an existing problem | 437 | 1.4% |
| Vehicle was repossessed or sold the vehicle | 357 | 1.2% |
| Other CFPB issue categories | 1,358 | 4.4% |
Sub-products
| Sub-product (CFPB label) | Complaints | Share |
|---|---|---|
| Installment loan | 13,416 | 43.8% |
| Personal line of credit | 7,367 | 24.1% |
| Payday loan | 6,963 | 22.7% |
| Title loan | 2,758 | 9% |
| Pawn loan | 76 | 0.2% |
| No sub-product recorded or other | 34 | 0.1% |
How companies responded
- Closed with explanation27,208 · 88.9%
- Closed with monetary relief1,547 · 5.1%
- Closed with non-monetary relief1,521 · 5%
- Untimely response338 · 1.1%
| Measure | This category | All categories |
|---|---|---|
| Closed with monetary or non-monetary relief | 10% | 31.6% |
| Closed with monetary relief | 5.1% | 0.5% |
| Responses marked timely | 94.9% | 99.6% |
National trend
Questions and answers
How many Payday loan, title loan, or personal loan complaints does the CFPB receive?
30,614 were filed under this label between 24 Apr 2017 and 24 Aug 2023. The CFPB has since replaced the label.
Which companies receive the most complaints in this category?
By count, ENOVA INTERNATIONAL, INC. (983), WELLS FARGO & COMPANY (978), OneMain Finance Corporation (823) across all years. Counts follow company size: “When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.”
What are the complaints about?
The issues selected most often: “Charged fees or interest you didn't expect” (23.9%), “Struggling to pay your loan” (13.9%), “Problem when making payments” (12.9%), “Problem with the payoff process at the end of the loan” (9.6%).
How do companies respond?
Across the category: 88.9% closed with an explanation, 5% closed with non-monetary relief, 5.1% closed with monetary relief. 94.9% of responses were timely.
Does the CFPB verify complaints?
The CFPB does not verify every allegation in a complaint before publishing it. A complaint is the consumer's account; the company's response is recorded beside it.
Provenance
Source: Consumer Financial Protection Bureau, Consumer Complaint Database, bulk file downloaded 30 Sep 2026, complaints received through 30 Sep 2026. Only coded fields are used (company, product, sub-product, issue, state, dates, company response, timeliness); complaint narratives are never read, stored or shown. Complaints are published once the company responds or after 15 days, so the most recent two to three weeks are incomplete. Size measures: FDIC BankFind (report date 30 Jun 2026), NCUA call reports (30 Jun 2026), HMDA transmittal sheet (2025), Census Bureau population estimates (2025). All are US government works. Search the CFPB database · Methodology · Report an error.