Consumer Issues

180 issue categories reported to the CFPB

# Issue Complaints
1 Incorrect information on your report 7.2M
2 Improper use of your report 3.1M
3 Problem with a company's investigation into an existing problem 2.0M
4 Problem with a credit reporting company's investigation into an existing problem 589.3K
5 Attempts to collect debt not owed 456.7K
6 Written notification about debt 221.7K
7 Managing an account 220.2K
8 Took or threatened to take negative or legal action 137.7K
9 False statements or representation 115.9K
10 Loan modification,collection,foreclosure 112.3K
11 Trouble during payment process 109.6K
12 Problem with a purchase shown on your statement 105.7K
13 Incorrect information on credit report 102.7K
14 Loan servicing, payments, escrow account 77.3K
15 Communication tactics 76.3K
16 Other transaction problem 70.4K
17 Dealing with your lender or servicer 63.2K
18 Struggling to pay mortgage 61.0K
19 Unable to get your credit report or credit score 60.7K
20 Cont'd attempts collect debt not owed 60.5K
21 Problem with fraud alerts or security freezes 52.3K
22 Getting a credit card 52.2K
23 Fraud or scam 50.0K
24 Closing an account 48.3K
25 Managing the loan or lease 45.9K
26 Other features, terms, or problems 45.6K
27 Problem with a lender or other company charging your account 41.6K
28 Fees or interest 41.0K
29 Credit monitoring or identity theft protection services 38.7K
30 Problem when making payments 38.5K
31 Account opening, closing, or management 38.0K
32 Opening an account 34.8K
33 Disclosure verification of debt 30.7K
34 Problem caused by your funds being low 29.3K
35 Closing your account 28.6K
36 Applying for a mortgage or refinancing an existing mortgage 28.0K
37 Deposits and withdrawals 22.9K
38 Struggling to repay your loan 18.9K
39 Struggling to pay your loan 18.6K
40 Closing on a mortgage 18.5K
41 Advertising and marketing, including promotional offers 18.3K
42 Dealing with my lender or servicer 17.6K
43 Application, originator, mortgage broker 17.2K
44 Credit reporting company's investigation 16.9K
45 Unauthorized transactions or other transaction problem 16.5K
46 Problems at the end of the loan or lease 16.0K
47 Trouble using your card 15.6K
48 Charged fees or interest you didn't expect 15.4K
49 Billing disputes 15.1K
50 Other 14.8K
51 Trouble using the card 13.6K
52 Getting a loan or lease 13.4K
53 Money was not available when promised 13.2K
54 Repossession 13.1K
55 Threatened to contact someone or share information improperly 13.1K
56 Problems caused by my funds being low 11.8K
57 Managing, opening, or closing your mobile wallet account 11.7K
58 Problem with a purchase or transfer 11.3K
59 Unable to get credit report/credit score 10.9K
60 Improper contact or sharing of info 10.0K
61 Problem with a company's investigation into an existing issue 10.0K
62 Problems when you are unable to pay 9.4K
63 Electronic communications 9.2K
64 Settlement process and costs 8.9K
65 Taking/threatening an illegal action 8.8K
66 Can't repay my loan 8.7K
67 Identity theft / Fraud / Embezzlement 8.5K
68 Unexpected or other fees 8.0K
69 Making/receiving payments, sending money 7.4K
70 Problem getting a card or closing an account 7.1K
71 Confusing or missing disclosures 7.1K
72 Trouble accessing funds in your mobile or digital wallet 6.8K
73 Struggling to pay your bill 6.6K
74 Closing/Cancelling account 6.4K
75 Using a debit or ATM card 6.1K
76 Credit decision / Underwriting 5.6K
77 Improper use of my credit report 5.6K
78 Other service problem 5.5K
79 APR or interest rate 5.5K
80 Problem with the payoff process at the end of the loan 5.5K
81 Getting the loan 5.2K
82 Problem with customer service 4.7K
83 Credit monitoring or identity protection 4.4K
84 Taking out the loan or lease 4.4K
85 Repaying your loan 3.8K
86 Late fee 3.6K
87 Problem with additional add-on products or services 3.6K
88 Customer service / Customer relations 3.5K
89 Delinquent account 3.2K
90 Confusing or misleading advertising or marketing 3.1K
91 Credit determination 3.1K
92 Getting a line of credit 3.1K
93 Advertising and marketing 3.0K
94 Rewards 2.9K
95 Charged fees or interest I didn't expect 2.8K
96 Credit card protection / Debt protection 2.7K
97 Transaction issue 2.7K
98 Getting a loan 2.7K
99 Billing statement 2.6K
100 Didn't provide services promised 2.5K
101 Identity theft protection or other monitoring services 2.4K
102 Payoff process 2.3K
103 Other fee 2.2K
104 Credit line increase/decrease 2.2K
105 Wrong amount charged or received 2.0K
106 Shopping for a loan or lease 2.0K
107 Unsolicited issuance of credit card 1.9K
108 Credit reporting 1.7K
109 Charged upfront or unexpected fees 1.5K
110 Other transaction issues 1.5K
111 Received a loan you didn't apply for 1.5K
112 Unauthorized transactions/trans. issues 1.3K
113 Can't contact lender or servicer 1.2K
114 Managing, opening, or closing account 1.2K
115 Balance transfer 1.1K
116 Can't contact lender 1.1K
117 Problem adding money 1.0K
118 Unauthorized withdrawals or charges 1.0K
119 Collection practices 1.0K
120 Can't stop withdrawals from your bank account 982
121 Lost or stolen money order 944
122 Collection debt dispute 901
123 Loan payment wasn't credited to your account 809
124 Managing the line of credit 806
125 Vehicle was repossessed or sold the vehicle 692
126 Money was taken from your bank account on the wrong day or for the wrong amount 663
127 Received a loan I didn't apply for 613
128 Advertising 574
129 Forbearance / Workout plans 556
130 Application processing delay 540
131 Other service issues 514
132 Was approved for a loan, but didn't receive the money 513
133 Can't stop charges to bank account 509
134 Privacy 489
135 Account terms and changes 484
136 Lost or stolen check 470
137 Payment to acct not credited 460
138 Bankruptcy 448
139 Arbitration 348
140 Applied for loan/did not receive money 344
141 Sale of account 344
142 Excessive fees 331
143 Issues with repayment 327
144 Shopping for a line of credit 302
145 Charged bank acct wrong day or amt 296
146 Problem with cash advance 288
147 Customer service/Customer relations 283
148 Credit limit changed 274
149 Cash advance 245
150 Overdraft, savings, or rewards features 234
151 Fees 232
152 Balance transfer fee 221
153 Overlimit fee 215
154 Adding money 202
155 Incorrect/missing disclosures or info 202
156 Issue with income share agreement 196
157 Cash advance fee 196
158 Vehicle was damaged or destroyed the vehicle 192
159 Incorrect exchange rate 191
160 Issue where my lender is my school 185
161 Problems receiving the advance 179
162 Problem with overdraft 172
163 Unexpected fees 153
164 Convenience checks 149
165 Was approved for a loan, but didn't receive money 111
166 Unexpected/Other fees 103
167 Lender repossessed or sold the vehicle 79
168 Advertising, marketing or disclosures 77
169 Overdraft, savings or rewards features 53
170 Problem with credit report or credit score 51
171 Disclosures 49
172 Property was sold 27
173 General 26
174 Lost or stolen refund 15
175 Property was damaged or destroyed property 13
176 Problem with an overdraft 9
177 Lender damaged or destroyed vehicle 8
178 Lender sold the property 7
179 Lender damaged or destroyed property 3
180 General issues 1