CFPB · Mid-pack CFPB posture
Independent Finance Company LLC
6 CFPB complaints · 3 states · top issue Repossession.
Independent Finance Company LLC has 6 consumer complaints in the CFPB public database. Timely response is 33.3%; 0% closed with relief; top product Vehicle loan or lease. Allegations, not regulatory findings.
- Mid-pack CFPB posture
- +100% filings 2017 to 2026
CFPB relief outcome brief
CCDB company independent-finance-company-llc
0% relief · 33.3% timely · 6 filings · Vehicle loan or lease
Same-product relief peers
Nearest relief peer: BMW Financial Services NA, LLC (0% relief)
Independent Finance Company LLC closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Independent Finance Company LLC has 6 filings on record, below the 10-complaint threshold this score requires for a stable percentage. A single additional filing can swing a rate by 10+ points at this volume, so no score is shown rather than an unstable one.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Independent Finance Company LLC complaint mix by product
- Vehicle loan 3 50.0% – 0% relief
- Debt collection 1 16.7% – 0% relief
- Credit reporting 1 16.7% – 0% relief
- Credit reporting, 1 16.7% – 0% relief
How Independent Finance Company LLC's 6 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 | 3 |
| Debt collection | 1 |
| Credit reporting or other personal consumer reports | 1 |
| Credit reporting, credit repair services, or other personal consumer reports | 1 |
Concentrated filing states for Independent Finance Company LLC
Top states by attributed CFPB complaint volume for this company
- Leading state
- CO
- 50% of this company's filings
Independent Finance Company LLC rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 2
- +100% vs 2017
Top States
| State | Complaints |
|---|---|
| CO | 3 |
| IN | 2 |
| LA | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Repossession | 1 |
| Took or threatened to take negative or legal action | 1 |
| Problem with a company's investigation into an existing problem | 1 |
| Problems at the end of the loan or lease | 1 |
| Incorrect information on your report | 1 |
| Problem with a credit reporting company's investigation into an existing problem | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2017 | 1 | 100% |
| 2019 | 1 | 100% |
| 2021 | 1 | 0% |
| 2025 | 1 | 0% |
| 2026 | 2 | 0% |
Source: CFPB Consumer Complaint Database
What the CFPB record shows about Independent Finance Company LLC
Independent Finance Company LLC's 6 logged complaints stay concentrated: only 3 states show a filing. Only 33.3% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2017 through 2026-04-26.
Independent Finance Company LLC answers 33.3% of complaints inside the CFPB's tracked window and closes 50% 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 "Repossession."
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 Independent Finance Company LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Independent Finance Company LLC: 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: 6.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 33.3%.
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 Independent Finance Company LLC (33.3% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Mid-pack CFPB posture