CFPB · Narrative-heavy record
First Credit Finance
24 CFPB complaints · 54.2% with narratives · top issue Improper use of your report.
First Credit Finance: 54.2% of 24 filings include consumer narratives. Timely 91.7% · relief 0% · top product Vehicle loan or lease. Allegations, not findings.
- Narrative-heavy record
- +66.7% filings 2017 to 2026
CFPB relief outcome brief
CCDB company first-credit-finance
0% relief · 91.7% timely · 24 filings · Vehicle loan or lease
Same-product relief peers
Nearest relief peer: BMW Financial Services NA, LLC (0% relief)
First Credit Finance closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of First Credit Finance's 24 filings include narrative text
54.2% 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.
First Credit Finance complaint mix by product
- Vehicle loan 10 41.7% – 0% relief
- Credit reporting 6 25.0% – 0% relief
- Debt collection 5 20.8% – 0% relief
- Credit reporting, 2 8.3% – 0% relief
- Credit card 1 4.2% – 0% relief
How First Credit Finance's 24 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 | 10 |
| Credit reporting or other personal consumer reports | 6 |
| Debt collection | 5 |
| Credit reporting, credit repair services, or other personal consumer reports | 2 |
| Credit card | 1 |
Concentrated filing states for First Credit Finance
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 66.7% of this company's filings
First Credit Finance rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 5
- +66.7% vs 2017
Top States
| State | Complaints |
|---|---|
| CA | 16 |
| TX | 4 |
| FL | 2 |
| GA | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Improper use of your report | 4 |
| Managing the loan or lease | 4 |
| Incorrect information on your report | 4 |
| Attempts to collect debt not owed | 2 |
| Communication tactics | 2 |
| Getting a loan or lease | 2 |
| Problem with a credit reporting company's investigation into an existing problem | 1 |
| Getting a credit card | 1 |
| Repossession | 1 |
| Problems at the end of the loan or lease | 1 |
| False statements or representation | 1 |
| Struggling to pay your loan | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2017 | 3 | 33.3% |
| 2018 | 1 | 100% |
| 2019 | 1 | 100% |
| 2021 | 2 | 100% |
| 2023 | 3 | 100% |
| 2024 | 6 | 100% |
| 2025 | 3 | 100% |
| 2026 | 5 | 100% |
Source: CFPB Consumer Complaint Database
First Credit Finance's narrative-rich complaint ledger
First Credit Finance's 24 logged complaints stay concentrated: only 4 states show a filing. 54.2% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2017 through 2026-06-01.
First Credit Finance answers 91.7% of complaints inside the CFPB's tracked window and closes 87.5% 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. "Vehicle loan or lease" 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 First Credit Finance.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for First Credit Finance: 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: 24.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 91.7%.
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 First Credit Finance (91.7% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record