CFPB · Narrative-heavy record
Finance System of Toledo, Inc.
87 CFPB complaints · 56.3% with narratives · top issue Problem with a credit reporting company's investigation into an existing problem.
Finance System of Toledo, Inc.: 56.3% of 87 filings include consumer narratives. Timely 96.6% · relief 0% · top product Debt collection. Allegations, not findings.
- Narrative-heavy record
- -85.7% filings 2015 to 2025
CFPB relief outcome brief
CCDB company finance-system-of-toledo-inc
0% relief · 96.6% timely · 87 filings · Debt collection
Same-product relief peers
Nearest relief peer: Transworld Systems Inc (0% relief)
Finance System of Toledo, Inc. closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Finance System of Toledo, Inc.'s 87 filings include narrative text
56.3% 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.
Finance System of Toledo, Inc. complaint mix by product
- Debt collection 55 63.2% – 0% relief
- Credit reporting, 31 35.6% – 0% relief
- Credit reporting 1 1.1% – 0% relief
How Finance System of Toledo, Inc.'s 87 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 55 |
| Credit reporting, credit repair services, or other personal consumer reports | 31 |
| Credit reporting or other personal consumer reports | 1 |
Concentrated filing states for Finance System of Toledo, Inc.
Top states by attributed CFPB complaint volume for this company
- Leading state
- OH
- 85.1% of this company's filings
Finance System of Toledo, Inc. falling annual filings
Annual filing volume from the CFPB public database
- 2025
- 1
- -85.7% vs 2015
Top States
| State | Complaints |
|---|---|
| OH | 74 |
| MI | 4 |
| TX | 2 |
| FL | 2 |
| CA | 2 |
| GA | 1 |
| IN | 1 |
| PA | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Problem with a credit reporting company's investigation into an existing problem | 21 |
| Attempts to collect debt not owed | 18 |
| Written notification about debt | 13 |
| Disclosure verification of debt | 6 |
| Incorrect information on your report | 5 |
| Cont'd attempts collect debt not owed | 5 |
| Improper contact or sharing of info | 4 |
| False statements or representation | 4 |
| Communication tactics | 3 |
| Improper use of your report | 3 |
| Took or threatened to take negative or legal action | 2 |
| Problem with a company's investigation into an existing problem | 1 |
| Identity theft protection or other monitoring services | 1 |
| Credit monitoring or identity theft protection services | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2015 | 7 | 100% |
| 2016 | 9 | 88.9% |
| 2017 | 4 | 100% |
| 2018 | 5 | 100% |
| 2019 | 6 | 100% |
| 2020 | 8 | 100% |
| 2021 | 27 | 100% |
| 2022 | 8 | 100% |
| 2023 | 9 | 100% |
| 2024 | 3 | 66.7% |
| 2025 | 1 | 0% |
Source: CFPB Consumer Complaint Database
Finance System of Toledo, Inc.'s narrative-rich complaint ledger
Finance System of Toledo, Inc.'s 87 logged complaints stay concentrated: only 8 states show a filing. 56.3% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2015 through 2025-07-16.
Finance System of Toledo, Inc. answers 96.6% of complaints inside the CFPB's tracked window and closes 97.7% with a written explanation. 0% 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 "Problem with a credit reporting company's investigation into an existing problem."
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 Finance System of Toledo, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Finance System of Toledo, Inc.: 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: 87.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 96.6%.
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 Finance System of Toledo, Inc. (96.6% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record