Earnest INC. -- Consumer Complaint Report & Risk Analysis

Earnest Inc. Complaints: Lender Issues and Reporting Concerns

Complaint Summary

Earnest INC. has received 46 consumer complaints filed with the CFPB across 3 products. The most common issues reported are dealing with your lender or servicer, struggling to repay your loan, improper use of your report. Complaints span 22 states, with California and Texas leading in complaint volume.

Company Overview

Company: Earnest INC.

Total CFPB Complaints: 46

AI Risk Score: 44/100

Most Recent Complaint: 2024-09-22T12:00:00-05:00

Risk Breakdown

  • Complaint Volume: medium
  • Response Quality: fair
  • Issue Recurrence: medium
  • Consumer Harm Severity: low

AI Company Analysis

Earnest Inc. has 44 consumer complaints on file with the CFPB. Earnest Inc. has received 44 complaints, with a timely response rate of 44% as of the last update on 2022-04-01. Issues include dealing with lenders, improper use of reports, and loan repayment struggles.

Response Quality Assessment

fair

Top Consumer Issues

Dealing with your lender or servicer -- Severity: medium

Red Flags

  • Improper use of your report

Green Flags

  • Struggling to repay your loan

Consumer Tips & Advice

Contact your lender promptly if you have issues with loan repayment or lender behavior.

Complaint Trend Analysis

There is a trend of increasing complaints related to lender interactions and loan repayment difficulties.

Regulatory History

Regulatory history shows that Earnest Inc. has faced multiple complaints but has not yet been subject to significant regulatory action.

Industry Context

The industry context shows that student loan companies and credit reporting agencies are common targets for consumer complaints.

Frequently Asked Questions About Earnest INC.

How many CFPB complaints does Earnest Inc. have?

Earnest Inc. has 44 complaints on file with the CFPB. The most recent complaint was filed on April 1, 2022.

What is Earnest Inc.'s complaint response rate?

Response rate data is not yet available for Earnest Inc..

Does Earnest Inc. respond to complaints on time?

Timely response data is not yet available for Earnest Inc..

Is Earnest Inc. safe to do business with?

Earnest Inc. Complaints: Lender Issues and Reporting Concerns Earnest Inc. has 44 CFPB complaints. Risk score: 44/100.

What red flags exist for Earnest Inc.?

Potential red flags for Earnest Inc.: Improper use of your report. These are based on analysis of CFPB complaint patterns.

What are Earnest Inc.'s strengths?

Positive indicators for Earnest Inc.: Struggling to repay your loan.

What tips should consumers know about Earnest Inc.?

Contact your lender promptly if you have issues with loan repayment or lender behavior.

Are complaints against Earnest Inc. increasing or decreasing?

There is a trend of increasing complaints related to lender interactions and loan repayment difficulties. Earnest Inc. currently has 44 total complaints.

Has Earnest Inc. faced regulatory action?

Regulatory history shows that Earnest Inc. has faced multiple complaints but has not yet been subject to significant regulatory action.

How does Earnest Inc. compare to industry peers?

The industry context shows that student loan companies and credit reporting agencies are common targets for consumer complaints.

What unique insights can be drawn from the complaint data?

The data highlights that Earnest Inc. has a moderate volume of complaints, primarily related to interactions with lenders and loan repayment issues, indicating potential areas for improvement in customer service and loan management.

Recent Complaints Against Earnest INC.

Complaint IDProductIssueDate ReceivedCompany ResponseState
#21362614Student loanDealing with your lender or servicer2026-04-17T12:00:00-05:00California
#18629998Student loanDealing with your lender or servicer2026-01-10T12:00:00-05:00Pennsylvania
#17898965Student loanGetting a loan2025-11-24T12:00:00-05:00Indiana
#14561090Student loanDealing with your lender or servicer2025-07-09T12:00:00-05:00Virginia
#14007845Credit reporting or other personal consumer reportsImproper use of your report2025-06-10T12:00:00-05:00New Jersey
#12987646Credit reporting or other personal consumer reportsImproper use of your report2025-04-14T12:00:00-05:00Texas
#12927978Student loanDealing with your lender or servicer2025-04-09T12:00:00-05:00Massachusetts
#12718447Student loanStruggling to repay your loan2025-03-28T12:00:00-05:00Pennsylvania
#11976944Credit reporting or other personal consumer reportsImproper use of your report2025-02-06T12:00:00-05:00Texas
#11791393Student loanDealing with your lender or servicer2025-01-26T12:00:00-05:00Minnesota
#10875849Student loanDealing with your lender or servicer2024-11-18T12:00:00-05:00Texas
#10922810Student loanStruggling to repay your loan2024-11-15T12:00:00-05:00New York
#10208099Student loanDealing with your lender or servicer2024-09-22T12:00:00-05:00Maryland
#10207834Student loanStruggling to repay your loan2024-09-22T12:00:00-05:00Tennessee
#10155668Student loanDealing with your lender or servicer2024-09-16T12:00:00-05:00North Carolina
#9385753Student loanDealing with your lender or servicer2024-06-29T12:00:00-05:00Georgia
#8471040Student loanStruggling to repay your loan2024-02-26T12:00:00-05:00New Hampshire
#8270975Student loanStruggling to repay your loan2024-02-01T12:00:00-05:00Nebraska
#8117496Credit reporting or other personal consumer reportsImproper use of your report2024-01-06T12:00:00-05:00Texas
#8016290Credit reporting or other personal consumer reportsImproper use of your report2023-12-17T12:00:00-05:00Colorado

Earnest INC. Complaints by State

Earnest INC. Complaints by Product

Earnest INC. Complaints by Issue

Disclaimer

This analysis is based on CFPB complaint data and AI interpretation.

About This Report

This consumer complaint report for Earnest INC. is generated by ReadTheComplaint using AI analysis of data from the CFPB.

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