CFPB · Narrative-heavy record
ML Credit Holdings, LLC
3 CFPB complaints · 66.7% with narratives · top issue Managing the loan or lease.
ML Credit Holdings, LLC: 66.7% of 3 filings include consumer narratives. Timely 100% · relief 33.3% · top product Vehicle loan or lease. Allegations, not findings.
- Narrative-heavy record
- +100% filings 2017 to 2019
CFPB relief outcome brief
CCDB company ml-credit-holdings-llc
33.3% relief · 100% timely · 3 filings · Vehicle loan or lease
Same-product relief peers
Nearest relief peer: Universal Acceptance Corporation (Ne) (25.1% relief)
ML Credit Holdings, LLC closes 33.3% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
ML Credit Holdings, LLC has 3 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.
ML Credit Holdings, LLC complaint mix by product
- Vehicle loan 2 66.7% – 50% relief
- Credit reporting, 1 33.3% – 0% relief
How ML Credit Holdings, LLC's 3 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 | 2 |
| Credit reporting, credit repair services, or other personal consumer reports | 1 |
Concentrated filing states for ML Credit Holdings, LLC
Top states by attributed CFPB complaint volume for this company
- Leading state
- SC
- 66.7% of this company's filings
ML Credit Holdings, LLC rising annual filings
Annual filing volume from the CFPB public database
- 2019
- 2
- +100% vs 2017
Top States
| State | Complaints |
|---|---|
| SC | 2 |
| CT | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Managing the loan or lease | 2 |
| Improper use of your report | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2017 | 1 | 100% |
| 2019 | 2 | 100% |
Source: CFPB Consumer Complaint Database
ML Credit Holdings, LLC's narrative-rich complaint ledger
ML Credit Holdings, LLC's 3 logged complaints stay concentrated: only 2 states show a filing. 66.7% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2017 through 2019-05-03.
ML Credit Holdings, LLC answers 100% of complaints inside the CFPB's tracked window and closes 66.7% with a written explanation. 33.3% 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 "Managing the loan or lease."
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 ML Credit Holdings, LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for ML Credit Holdings, 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: 3.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 100%.
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 ML Credit Holdings, LLC (100% timely; 33.3% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record