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Payday & personal loans

Getting a line of credit

Consumers have filed 3,196 complaints about this, 400 in the last 12 months (+3%), against 384 companies. The most complained-about is OneMain Financial. Companies closed 3% of these with relief.

Companies with the most

Last 12 months.

By month

By state

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Per 100,000 people, last 12 monthsFewerMore

Latest complaints about this

ReceivedCompanyAboutIssueStateAnswerOn time
Nov 12, 2026TransUnionPayday & personal loansGetting a line of credit-In progressYes
Nov 12, 2026TransUnionPayday & personal loansGetting a line of creditMSIn progressYes
Oct 31, 2026Flexible FinancePayday & personal loansGetting a line of creditUTExplainedYes
Oct 30, 2026Flexible FinancePayday & personal loansGetting a line of creditNVExplainedYes
Oct 30, 2026OneMain FinancialPayday & personal loansGetting a line of creditUTIn progressYes
Oct 30, 2026KikoffPayday & personal loansGetting a line of creditMDExplainedYes
Oct 30, 2026RevenuedPayday & personal loansGetting a line of creditMIExplainedYes
Oct 28, 2026Citizens BankPayday & personal loansGetting a line of creditTXMoney backYes
Oct 28, 2026Prosper MarketplacePayday & personal loansGetting a line of creditNJExplainedYes
Oct 27, 2026U.S. BankPayday & personal loansGetting a line of creditCAExplainedYes
Oct 26, 2026American ExpressPayday & personal loansGetting a line of creditNJIn progressYes
Oct 25, 2026DreamSpringPayday & personal loansGetting a line of creditTXExplainedYes
Oct 23, 2026MoneyLionPayday & personal loansGetting a line of creditFLExplainedYes
Oct 22, 2026CitibankPayday & personal loansGetting a line of creditNYIn progressYes
Oct 22, 2026MoneyLionPayday & personal loansGetting a line of creditHIExplainedYes

Your rights with personal & payday lenders

You can revoke permission for a lender to take automatic payments from your account by telling the lender and your bank. Many states cap interest or ban payday loans altogether, and the Military Lending Act caps most loans to active-duty servicemembers and their families at 36% APR.

Scam warning: A real lender never asks for a fee up front, a gift card or a "deposit" before sending a loan. Check the lender is licensed in your state.

General information, not legal advice; rules vary by state. Plain-English guides

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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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