CFPB · Mid-pack CFPB posture
Houston Finance Co.
27 CFPB complaints · 2 states · top issue Took or threatened to take negative or legal action.
Houston Finance Co. has 27 consumer complaints in the CFPB public database. Timely response is 77.8%; 3.7% closed with relief; top product Debt collection. Allegations, not regulatory findings.
- Mid-pack CFPB posture
- +100% filings 2016 to 2026
CFPB relief outcome brief
CCDB company houston-finance-co
3.7% relief · 77.8% timely · 27 filings · Debt collection
Same-product relief peers
Nearest relief peer: McNeil & Meyers Asset Management Group, LLC (3.7% relief)
Houston Finance Co. closes 3.7% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
How 27 complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Houston Finance Co. complaint mix by product
- Debt collection 10 37.0% – 0% relief
- Credit reporting 5 18.5% – 0% relief
- Payday loan, 4 14.8% – 25% relief
- Credit reporting, 3 11.1% – 0% relief
- Payday loan, 2 7.4% – 0% relief
- Consumer Loan 2 7.4% – 0% relief
- Checking or 1 3.7% – 0% relief
How Houston Finance Co.'s 27 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 10 |
| Credit reporting or other personal consumer reports | 5 |
| Payday loan, title loan, or personal loan | 4 |
| Credit reporting, credit repair services, or other personal consumer reports | 3 |
| Payday loan, title loan, personal loan, or advance loan | 2 |
| Consumer Loan | 2 |
| Checking or savings account | 1 |
Concentrated filing states for Houston Finance Co.
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 96.3% of this company's filings
Houston Finance Co. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 6
- +100% vs 2016
Top States
| State | Complaints |
|---|---|
| TX | 26 |
| GA | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Took or threatened to take negative or legal action | 7 |
| Improper use of your report | 4 |
| Incorrect information on your report | 4 |
| Attempts to collect debt not owed | 2 |
| Managing the loan or lease | 2 |
| Problem when making payments | 2 |
| Closing an account | 1 |
| Problem with fraud alerts or security freezes | 1 |
| Problem with a company's investigation into an existing problem | 1 |
| Getting the loan | 1 |
| Cont'd attempts collect debt not owed | 1 |
| Struggling to pay your loan | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2016 | 3 | 33.3% |
| 2017 | 4 | 75% |
| 2020 | 1 | 0% |
| 2021 | 1 | 0% |
| 2023 | 1 | 100% |
| 2024 | 4 | 100% |
| 2025 | 7 | 100% |
| 2026 | 6 | 83.3% |
Source: CFPB Consumer Complaint Database
What the CFPB record shows about Houston Finance Co.
Houston Finance Co.'s 27 logged complaints stay concentrated: only 2 states show a filing. Only 37% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2016 through 2026-05-15.
Houston Finance Co. answers 77.8% of complaints inside the CFPB's tracked window and closes 96.3% with a written explanation. 3.7% 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 "Took or threatened to take negative or legal action."
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 Houston Finance Co..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Houston Finance Co.: 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: 27.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 77.8%.
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 Houston Finance Co. (77.8% timely; 3.7% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Mid-pack CFPB posture