CFPB · Diversified product mix
Excel Finance Company
22 CFPB complaints · diversified mix (top product 31.8%) · top issue Improper use of your report.
Excel Finance Company: top product "Debt collection" is only 31.8% of 22 - multi-bucket mix. Timely 100% · relief 4.5%. Allegations, not findings.
- Diversified product mix
- +100% filings 2018 to 2026
CFPB relief outcome brief
CCDB company excel-finance-company
4.5% relief · 100% timely · 22 filings · Debt collection
Same-product relief peers
Nearest relief peer: I.C. System, Inc. (4.5% relief)
Excel Finance Company closes 4.5% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Excel Finance Company's 22 filings include narrative text
45.5% 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.
Excel Finance Company complaint mix by product
- Debt collection 7 31.8% – 0% relief
- Payday loan, 6 27.3% – 0% relief
- Credit reporting 5 22.7% – 0% relief
- Credit reporting, 2 9.1% – 0% relief
- Payday loan, 1 4.5% – 100% relief
- Vehicle loan 1 4.5% – 0% relief
How Excel Finance Company's 22 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 7 |
| Payday loan, title loan, or personal loan | 6 |
| Credit reporting or other personal consumer reports | 5 |
| Credit reporting, credit repair services, or other personal consumer reports | 2 |
| Payday loan, title loan, personal loan, or advance loan | 1 |
| Vehicle loan or lease | 1 |
Concentrated filing states for Excel Finance Company
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 63.6% of this company's filings
Excel Finance Company rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 4
- +100% vs 2018
Top States
| State | Complaints |
|---|---|
| TX | 14 |
| LA | 6 |
| NM | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Improper use of your report | 5 |
| Problem when making payments | 3 |
| Took or threatened to take negative or legal action | 2 |
| Communication tactics | 2 |
| Problem with additional add-on products or services | 1 |
| Written notification about debt | 1 |
| Problem with a company's investigation into an existing problem | 1 |
| Incorrect information on your report | 1 |
| Threatened to contact someone or share information improperly | 1 |
| Managing the loan or lease | 1 |
| Getting the loan | 1 |
| Struggling to pay your loan | 1 |
| Problem with a credit reporting company's investigation into an existing problem | 1 |
| Attempts to collect debt not owed | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2018 | 2 | 100% |
| 2019 | 5 | 100% |
| 2021 | 2 | 100% |
| 2022 | 1 | 100% |
| 2024 | 3 | 100% |
| 2025 | 5 | 100% |
| 2026 | 4 | 100% |
Source: CFPB Consumer Complaint Database
Excel Finance Company spreads across product buckets
Excel Finance Company's 22 logged complaints stay concentrated: only 3 states show a filing. 45.5% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2018 through 2026-05-26.
Excel Finance Company answers 100% of complaints inside the CFPB's tracked window and closes 95.5% with a written explanation. 4.5% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Improper use of 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 Excel Finance Company.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Excel Finance Company: 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: 22.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 100%.
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 Excel Finance Company (100% timely; 4.5% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Diversified product mix