Essential Lending Inc Consumer Complaints
Essential Lending Inc has received 219 consumer complaints filed with the Consumer Financial Protection Bureau. Below is a complete breakdown by product, issue, company response pattern, and geographic distribution.
Data last updated: Jun 1, 2026Key Takeaways
- 219 total complaints on file with the CFPB.
- Most complaints are about Debt collection (83).
- Timely response rate: 78.1%.
- Consumer disputed rate: 0.0% of resolved complaints.
Complaints by Product
The following table shows how complaints against Essential Lending Inc break down by financial product category.
| Product | Complaints | % of Total |
|---|---|---|
| Debt collection | 83 | 37.9% |
| Credit reporting or other personal consumer reports | 52 | 23.7% |
| Payday loan, title loan, personal loan, or advance loan | 43 | 19.6% |
| Payday loan, title loan, or personal loan | 19 | 8.7% |
| Credit reporting, credit repair services, or other personal consumer reports | 17 | 7.8% |
| Checking or savings account | 2 | 0.9% |
| Payday loan | 2 | 0.9% |
| Credit card or prepaid card | 1 | 0.5% |
Most Common Issues
These are the specific issues consumers most frequently report about Essential Lending Inc.
Company Response Breakdown
When consumers file complaints, Essential Lending Inc responds in one of several ways. The breakdown below shows how Essential Lending Inc has resolved complaints.
| Response | Count | Percentage |
|---|---|---|
| Closed with explanation | 202 | 92.2% |
| Untimely response | 9 | 4.1% |
| Closed with monetary relief | 5 | 2.3% |
| Closed with non-monetary relief | 3 | 1.4% |
Complaints by State
Top states where consumers have filed complaints against Essential Lending Inc.
| State | Complaints |
|---|---|
| Texas | 146 |
| Louisiana | 15 |
| South Carolina | 13 |
| Missouri | 11 |
| Mississippi | 5 |
| New Mexico | 4 |
| Wisconsin | 4 |
| California | 3 |
| District of Columbia | 3 |
| Delaware | 3 |
| North Carolina | 2 |
| Pennsylvania | 2 |
| Utah | 2 |
| Florida | 1 |
| Georgia | 1 |
| Idaho | 1 |
| Indiana | 1 |
| New Jersey | 1 |
| Virginia | 1 |
Your Rights
What to do if you have a complaint against Essential Lending Inc
- Contact Essential Lending Inc directly. Many issues can be resolved by calling their customer service line or submitting a written complaint.
- File a complaint with the CFPB. Visit consumerfinance.gov/complaint. The company must respond within 15 days.
- File with your state attorney general. Your state AG's consumer protection division investigates patterns of complaint.
- Consult a consumer protection attorney. If you've suffered financial harm, an attorney can advise you on your legal options including potential lawsuits.
Frequently Asked Questions
-
How many complaints does Essential Lending Inc have?
Essential Lending Inc has 219 consumer complaints on file with the CFPB as of our last data refresh.
-
What is the most common complaint about Essential Lending Inc?
The most common issue reported is Incorrect information on your report with 44 complaints.
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How do I file a complaint against Essential Lending Inc?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. The company is required to respond within 15 days. You can also contact your state attorney general or consult a consumer protection attorney.
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Does Essential Lending Inc respond to complaints on time?
Essential Lending Inc has a 78.1% timely response rate, meaning that percentage of complaints received a response within the CFPB's required timeframe.
Source: Consumer Financial Protection Bureau — Consumer Complaint Database. Accessed June 2026.