First Credit Finance
24 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
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 |
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 CFPB Consumer Complaint Database
What the CFPB Record Shows About First Credit Finance
First Credit Finance's 24 logged complaints stay concentrated: only 4 states show a filing on record. 54.2% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - 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.
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.
Frequently Asked Questions
How many CFPB complaints does First Credit Finance have?
24, per the CFPB's public complaint count for this company (see the full breakdown above).
Does First Credit Finance respond to complaints on time?
91.7% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about First Credit Finance?
"Improper use of your report", filed under the "Vehicle loan or lease" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.