Struggling to pay your loan

18.6K consumer complaints across 1.1K companies

This page tracks consumer complaints about "Struggling to pay your loan" filed with the CFPB. 18,607 complaints mention this issue across 1.1K companies. The most affected product category is "Vehicle loan or lease".

18.6K
Total Complaints
1.1K
Companies
Vehicle loan or lease
Top Product

Companies with Most Complaints for This Issue

# Company Complaints
1 Santander Consumer USA Holdings Inc. 998
2 Wells Fargo & Company 840
3 Ally Financial Inc. 800
4 Credit Acceptance Corporation 791
5 Capital One Financial Corporation 548
6 OneMain Finance Corporation 511
7 Santander Holdings USA, Inc. 488
8 Westlake Services, LLC 450
9 Bridgecrest Acceptance Corporation 369
10 Enova International, Inc. 348
11 General Motors Financial Company, Inc. 302
12 Exeter Finance, LLC. 271
13 JPMorgan Chase & Co. 241
14 American Credit Acceptance, LLC 225
15 Toyota Motor Credit Corporation 223
16 CCF Intermediate Holdings LLC 217
17 Hyundai Capital America 217
18 TMX Finance LLC 216
19 LDF Holdings, LLC 189
20 American Honda Finance Corp 186
21 Nissan Motor Acceptance Company LLC 184
22 Navy Federal Credit Union 158
23 Global Lending Services LLC 150
24 FC HoldCo LLC 148
25 Truist Financial Corporation 146
26 Ford Motor Credit Co. 143
27 Tower Loan of Mississippi, Inc. 142
28 BlueChip Financial 141
29 Populus Financial Group, Inc. (F/K/A Ace Cash Express) 133
30 GVA Holdings, LLC 132
31 Affirm Holdings, Inc 131
32 Mariner Finance, LLC 127
33 CURO Intermediate Holdings 127
34 Consumer Portfolio Services, Inc. 119
35 Wlcc 110
36 Bank of America, National Association 110
37 Cng Financial Corporation 109
38 Byrider Franchising, LLC 107
39 CarMax, Inc. 104
40 Opportunity Financial, LLC 102
41 United Services Automobile Association 101
42 Lendmark Financial Services 99
43 Advance America, Cash Advance Centers, Inc. 98
44 Upstart Holdings, Inc. 97
45 Harpeth Financial Services, LLC 94
46 BMW Financial Services NA, LLC 93
47 World Acceptance Corporation 91
48 Onemain Financial Holdings, LLC. 91
49 Paramount GR Holdings, LLC 90
50 Big Picture Loans, LLC 89

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database

What the Data Says About "Struggling to pay your loan" Complaints

The CFPB public record contains 18,607 consumer complaints tagged with the issue "Struggling to pay your loan", distributed across 1,079 distinct companies that have been named as the respondent on at least one filing. That breadth, spread across 1,079 separate respondents, points to a systemic theme across the market rather than one company's operational problem, a structural friction in how a product category is sold, serviced, or collected on.

The most common product category where "Struggling to pay your loan" is raised is "Vehicle loan or lease". See our methodology for how CFPB complaint routing and product-issue pairings work.

How to read complaint data responsibly

The CFPB categorizes each complaint based on the consumer's own description of the problem, so the label "Struggling to pay your loan" reflects consumer perception, not a regulatory finding. A complaint is an allegation, not proven wrongdoing, and the presence of a filing against a company does not mean that company violated any law or rule. Use this page to understand the shape of consumer concerns around "Struggling to pay your loan", then cross-check individual companies using their own CFPB profiles and the official CFPB database. For legal, financial, or regulatory advice, consult a licensed professional, this page is informational only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. This page draws directly on the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.