How do I have past loan when I've never took one out

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Please provide some context for your question. Why are you asking about a loan on this income tax return site? Where are you seeing anything about a loan?

**Disclaimer: Every effort has been made to offer the most correct information possible. The poster disclaims any legal responsibility for the accuracy of the information that is contained in this post.**

If you are referring to a credit report, contact the credit reporting agency for details. If your Federal or State refund has been seized for, say, an overdue student loan, contact the tax agency for more info.

Or, did you ever take out a 40(k) or other retirement plan loan?