By problem
What people complain about
Every problem consumers report, from errors on credit reports to debts that aren't theirs - how often, and which companies draw the most.
Credit reporting
- Incorrect information on your report3,987,708
- Improper use of your report1,344,845
- Problem with a company's investigation into an existing problem1,261,531
- Problem with fraud alerts or security freezes20,499
- Unable to get your credit report or credit score19,096
- Credit monitoring or identity theft protection services7,643
- Problem with a company's investigation into an existing issue5,313
- Identity theft protection or other monitoring services536
- Problem with a credit reporting company's investigation into an existing problem589,318
- Incorrect information on credit report102,681
- Credit reporting company's investigation16,883
- Unable to get credit report/credit score10,859
- Improper use of my credit report5,579
- Credit monitoring or identity protection4,424
Debt collection
- Attempts to collect debt not owed140,962
- Took or threatened to take negative or legal action72,824
- Written notification about debt49,298
- False statements or representation34,266
- Communication tactics8,784
- Electronic communications4,528
- Threatened to contact someone or share information improperly2,601
- Cont'd attempts collect debt not owed60,520
- Disclosure verification of debt30,728
- Improper contact or sharing of info10,036
- Taking/threatening an illegal action8,793
Mortgages
- Trouble during payment process16,373
- Struggling to pay mortgage9,756
- Applying for a mortgage or refinancing an existing mortgage3,271
- Closing on a mortgage2,687
- Loan modification,collection,foreclosure112,294
- Loan servicing, payments, escrow account77,308
- Application, originator, mortgage broker17,215
- Settlement process and costs8,934
- Credit decision / Underwriting5,649
Credit cards
- Problem with a purchase shown on your statement32,004
- Other features, terms, or problems11,160
- Getting a credit card11,151
- Fees or interest10,063
- Problem when making payments8,268
- Closing your account6,524
- Advertising and marketing, including promotional offers4,374
- Trouble using your card3,837
- Struggling to pay your bill1,449
- Problem with credit report or credit score1
- Billing disputes15,136
- Other14,783
- Identity theft / Fraud / Embezzlement8,480
- Closing/Cancelling account6,389
- APR or interest rate5,506
- Late fee3,639
- Customer service / Customer relations3,504
- Delinquent account3,218
- Credit determination3,057
- Advertising and marketing2,959
- Rewards2,916
- Credit card protection / Debt protection2,728
- Transaction issue2,700
- Billing statement2,619
- Payoff process2,315
- Other fee2,198
- Credit line increase/decrease2,185
- Unsolicited issuance of credit card1,853
- Credit reporting1,696
- Balance transfer1,117
- Collection practices1,001
- Collection debt dispute901
- Forbearance / Workout plans556
- Application processing delay540
- Privacy489
- Bankruptcy448
- Arbitration348
- Sale of account344
- Cash advance245
- Balance transfer fee221
- Overlimit fee215
- Cash advance fee196
- Convenience checks149
Bank accounts
- Managing an account52,060
- Problem with a lender or other company charging your account12,770
- Closing an account11,692
- Opening an account7,163
- Problem caused by your funds being low4,948
- Debanking8
- Account opening, closing, or management37,959
- Deposits and withdrawals22,850
- Problems caused by my funds being low11,844
- Making/receiving payments, sending money7,401
- Using a debit or ATM card6,144
Student loans
Auto loans & leases
Payday & personal loans
- Charged fees or interest you didn't expect4,382
- Getting the loan2,004
- Problem with additional add-on products or services1,686
- Problem with the payoff process at the end of the loan1,385
- Getting a line of credit400
- Can't stop withdrawals from your bank account362
- Can't contact lender or servicer245
- Received a loan you didn't apply for239
- Issues with repayment205
- Money was taken from your bank account on the wrong day or for the wrong amount162
- Vehicle was repossessed or sold the vehicle152
- Loan payment wasn't credited to your account144
- Was approved for a loan, but didn't receive the money110
- Problems receiving the advance91
- Unexpected fees86
- Problem with cash advance60
- Credit limit changed45
- Vehicle was damaged or destroyed the vehicle37
- Was approved for a loan, but didn't receive money21
- Property was damaged or destroyed property7
- Property was sold4
- Lost or stolen refund4
- Charged fees or interest I didn't expect2,750
- Can't contact lender1,100
- Managing the line of credit806
- Received a loan I didn't apply for613
- Can't stop charges to bank account509
- Account terms and changes484
- Payment to acct not credited460
- Applied for loan/did not receive money344
- Shopping for a line of credit302
- Charged bank acct wrong day or amt296
- Lender repossessed or sold the vehicle79
- Lender damaged or destroyed vehicle8
- Lender sold the property7
- Lender damaged or destroyed property3
Money transfers & apps
- Fraud or scam11,387
- Unauthorized transactions or other transaction problem7,095
- Other transaction problem5,979
- Trouble accessing funds in your mobile or digital wallet4,081
- Money was not available when promised2,852
- Managing, opening, or closing your mobile wallet account2,598
- Confusing or missing disclosures2,107
- Problem with customer service1,186
- Other service problem1,035
- Wrong amount charged or received347
- Lost or stolen money order307
- Problem adding money185
- Overdraft, savings, or rewards features111
- Incorrect exchange rate20
- Other transaction issues1,491
- Other service issues514
- Lost or stolen check470
- Incorrect/missing disclosures or info202
Prepaid & gift cards
- Problem with a purchase or transfer2,371
- Trouble using the card2,039
- Unexpected or other fees1,298
- Problem getting a card or closing an account1,038
- Advertising69
- Problem with overdraft29
- Unauthorized transactions/trans. issues1,325
- Managing, opening, or closing account1,194
- Fees232
- Adding money202
- Advertising, marketing or disclosures77
- Overdraft, savings or rewards features53
- Problem with an overdraft9
Debt relief & credit repair
Other financial services
Figures: complaints in the last 12 months (all time for issues no longer used).
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