Debt collector · complaint record
Essential Lending complaints
Filed under Essential Lending Inc
Consumers have filed 261 complaints about Essential Lending since 2016, 119 of them in the last 12 months (+95% on the year before). It answered 32.8% on time and closed 0% with relief for the customer - less often than a typical debt collector. The most common problem is incorrect information on your report.
Poor response record. How it works
- Complaints on record
- 261
- Last 12 months
- 119
- Answered on time
- 32.8%
- Closed with relief
- 0%
- Last 30 days
- 2
- Rank
- #183 of 1,963
Since October 2016
+95% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Nov 3, 2026
Most complained-about debt collectors
Essential Lending complaints by month
The busiest month was April 2026 (19 complaints). Complaints in the last 12 months are up 95% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Essential Lending answered last 12 months
- Closed with explanation119100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time0/4532.8% on time
- Relief for customers0/400% closed with relief
- Complaint trend0/15+95% vs last year
What Essential Lending complaints are about
Top Essential Lending problems last 12 months
Inside "Incorrect information on your report"
- Information belongs to someone else 22
- Account information incorrect 18
- Account status incorrect 13
- Old information reappears or never goes away 5
- Personal information incorrect 2
Where Essential Lending complaints come from
Most complaints: Texas (176), Louisiana (17), South Carolina (16), Missouri (13), Mississippi (5).
Essential Lending compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Jim Bottin EnterprisesDebt collection | 13 | 124 | F |
| 2 | GLA CollectionDebt collection | 60 | 122 | C |
| 3 | Roadrunner Account ServicesDebt collection | 47 | 121 | D |
| 4 | Essential LendingDebt collection | 0 | 119 | F |
| 5 | Second AllianceDebt collection | 7 | 118 | F |
| 6 | National Collection SystemsDebt collection | 54 | 117 | C |
| 7 | The Outsource GroupDebt collection | 55 | 115 | C |
| 8 | Gurstel Law Firm, P.CDebt collection | 60 | 114 | C |
Compare side by side: Essential Lending vs Jim Bottin Enterprises · Essential Lending vs GLA Collection · Essential Lending vs Roadrunner Account Services · Essential Lending vs Second Alliance
What people say about Essential Lending
All experiencesNo experiences with Essential Lending yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Essential Lending complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 3, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Oct 22, 2026 | Payday & personal loans | Charged fees or interest you didn't expect | Explained |
| Oct 2, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Sep 13, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Sep 13, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Sep 11, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 9, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 7, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Sep 4, 2026 | Payday & personal loans | Received a loan you didn't apply for | Explained |
| Sep 4, 2026 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Aug 31, 2026 | Payday & personal loans | Problem when making payments | Explained |
| Aug 27, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
Questions about Essential Lending
How many complaints does Essential Lending have?
Essential Lending has 261 complaints on record since October 2016, including 119 in the last 12 months and 2 in the last 30 days. That makes it number 434 of every company by complaints this year.
Does Essential Lending respond to complaints?
Yes. Essential Lending answered 32.8% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 0/100 (grade F).
What do people complain about most with Essential Lending?
The most common problems are incorrect information on your report (60), took or threatened to take negative or legal action (42), attempts to collect debt not owed (27).
Is Essential Lending legit?
Essential Lending is a real company with a public complaint record: consumers have complained about it 261 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Essential Lending legit? for the signals, red flags and how to protect yourself.
Are complaints about Essential Lending going up or down?
Up. There were 119 complaints in the last 12 months against 61 in the 12 before (+95%). See every month.
How do I file a complaint against Essential Lending?
Complain to Essential Lending in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Essential Lending complaints come from?
Most come from Texas (176), Louisiana (17), South Carolina (16). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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