CFPB · Narrative-heavy record
American Finance LLC
51 CFPB complaints · 58.8% with narratives · top issue Incorrect information on your report.
American Finance LLC: 58.8% of 51 filings include consumer narratives. Timely 96.1% · relief 5.9% · top product Vehicle loan or lease. Allegations, not findings.
- Narrative-heavy record
- +200% filings 2015 to 2026
CFPB relief outcome brief
CCDB company american-finance-llc
5.9% relief · 96.1% timely · 51 filings · Vehicle loan or lease
Same-product relief peers
Nearest relief peer: Toyota Motor Credit Corporation (6% relief)
American Finance LLC closes 5.9% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of American Finance LLC's 51 filings include narrative text
58.8% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
American Finance LLC complaint mix by product
- Vehicle loan 23 45.1% – 4% relief
- Debt collection 12 23.5% – 8% relief
- Credit reporting 7 13.7% – 0% relief
- Credit reporting, 6 11.8% – 0% relief
- Consumer Loan 3 5.9% – 33% relief
How American Finance LLC's 51 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Vehicle loan or lease | 23 |
| Debt collection | 12 |
| Credit reporting or other personal consumer reports | 7 |
| Credit reporting, credit repair services, or other personal consumer reports | 6 |
| Consumer Loan | 3 |
Concentrated filing states for American Finance LLC
Top states by attributed CFPB complaint volume for this company
- Leading state
- DE
- 49% of this company's filings
American Finance LLC rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 6
- +200% vs 2015
Top States
| State | Complaints |
|---|---|
| DE | 25 |
| MD | 9 |
| FL | 3 |
| PA | 2 |
| IL | 2 |
| SC | 2 |
| CO | 1 |
| AL | 1 |
| IN | 1 |
| KY | 1 |
| NC | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 9 |
| Improper use of your report | 6 |
| Managing the loan or lease | 6 |
| Repossession | 6 |
| Struggling to pay your loan | 4 |
| Attempts to collect debt not owed | 4 |
| Problem with a company's investigation into an existing problem | 4 |
| False statements or representation | 4 |
| Written notification about debt | 2 |
| Taking out the loan or lease | 1 |
| Problems when you are unable to pay | 1 |
| Disclosure verification of debt | 1 |
| Problems at the end of the loan or lease | 1 |
| Problem with a credit reporting company's investigation into an existing problem | 1 |
| Took or threatened to take negative or legal action | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2015 | 2 | 100% |
| 2016 | 2 | 50% |
| 2017 | 2 | 100% |
| 2018 | 1 | 100% |
| 2019 | 6 | 100% |
| 2020 | 1 | 100% |
| 2021 | 2 | 100% |
| 2022 | 8 | 87.5% |
| 2023 | 6 | 100% |
| 2024 | 3 | 100% |
| 2025 | 12 | 100% |
| 2026 | 6 | 100% |
Source: CFPB Consumer Complaint Database
American Finance LLC's narrative-rich complaint ledger
American Finance LLC's 51 logged complaints stay concentrated: only 11 states show a filing. 58.8% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2015 through 2026-06-05.
American Finance LLC answers 96.1% of complaints inside the CFPB's tracked window and closes 94.1% with a written explanation. 5.9% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Vehicle loan or lease" draws the most filings, most often for "Incorrect information on your report."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about American Finance LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for American Finance LLC: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 51.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 96.1%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for American Finance LLC (96.1% timely; 5.9% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record