CFPB · Diversified product mix
Island Finance Puerto Rico
56 CFPB complaints · diversified mix (top product 26.8%) · top issue Improper use of your report.
Island Finance Puerto Rico: top product "Debt collection" is only 26.8% of 56 - multi-bucket mix. Timely 98.2% · relief 0%. Allegations, not findings.
- Diversified product mix
- +25% filings 2018 to 2026
CFPB relief outcome brief
CCDB company island-finance-puerto-rico
0% relief · 98.2% timely · 56 filings · Debt collection
Same-product relief peers
Nearest relief peer: Transworld Systems Inc (0% relief)
Island Finance Puerto Rico closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Island Finance Puerto Rico scores strongest on closed with explanation (100/100 percentile-benchmarked) and weakest on relief provided (0/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
0 / 100 percentile-benchmarked
0% of complaints closed with relief to the consumer
Timely response
97 / 100 percentile-benchmarked
98.2% of complaints answered inside the CFPB 15-day window
Closed with explanation
100 / 100 percentile-benchmarked
100% of complaints closed with an explanation to the consumer
Most of Island Finance Puerto Rico's 56 filings include narrative text
50% 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.
Island Finance Puerto Rico complaint mix by product
- Debt collection 15 26.8% – 0% relief
- Credit reporting, 14 25.0% – 0% relief
- Credit reporting 14 25.0% – 0% relief
- Payday loan, 9 16.1% – 0% relief
- Payday loan, 3 5.4% – 0% relief
- Checking or 1 1.8% – 0% relief
How Island Finance Puerto Rico's 56 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 15 |
| Credit reporting, credit repair services, or other personal consumer reports | 14 |
| Credit reporting or other personal consumer reports | 14 |
| Payday loan, title loan, or personal loan | 9 |
| Payday loan, title loan, personal loan, or advance loan | 3 |
| Checking or savings account | 1 |
Concentrated filing states for Island Finance Puerto Rico
Top states by attributed CFPB complaint volume for this company
- Leading state
- PR
- 75% of this company's filings
Island Finance Puerto Rico rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 5
- +25% vs 2018
Top States
| State | Complaints |
|---|---|
| PR | 42 |
| TX | 4 |
| PA | 4 |
| FL | 3 |
| MA | 2 |
| IL | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Improper use of your report | 15 |
| Incorrect information on your report | 12 |
| Communication tactics | 6 |
| Attempts to collect debt not owed | 6 |
| Charged fees or interest you didn't expect | 5 |
| Problem with a credit reporting company's investigation into an existing problem | 1 |
| Getting a line of credit | 1 |
| Problem with a company's investigation into an existing problem | 1 |
| Problem when making payments | 1 |
| Took or threatened to take negative or legal action | 1 |
| Credit monitoring or identity theft protection services | 1 |
| Managing an account | 1 |
| Problem with the payoff process at the end of the loan | 1 |
| Struggling to pay your loan | 1 |
| Threatened to contact someone or share information improperly | 1 |
| Written notification about debt | 1 |
| Getting the loan | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2018 | 4 | 75% |
| 2019 | 7 | 100% |
| 2020 | 4 | 100% |
| 2021 | 3 | 100% |
| 2022 | 10 | 100% |
| 2023 | 8 | 100% |
| 2024 | 8 | 100% |
| 2025 | 7 | 100% |
| 2026 | 5 | 100% |
Source: CFPB Consumer Complaint Database
Island Finance Puerto Rico spreads across product buckets
Island Finance Puerto Rico's 56 logged complaints stay concentrated: only 6 states show a filing. 50% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2018 through 2026-05-18.
Island Finance Puerto Rico answers 98.2% of complaints inside the CFPB's tracked window and closes 100% 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 "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 Island Finance Puerto Rico.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Island Finance Puerto Rico: 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: 56.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 98.2%.
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 Island Finance Puerto Rico (98.2% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Diversified product mix