CFPB · Narrative-heavy record
Service Finance Holdings, LLC
170 CFPB complaints · 52.4% with narratives · top issue Incorrect information on your report.
Service Finance Holdings, LLC: 52.4% of 170 filings include consumer narratives. Timely 99.4% · relief 22.4% · top product Payday loan, title loan, or personal loan. Allegations, not findings.
- Narrative-heavy record
- +533.3% filings 2015 to 2022
CFPB relief outcome brief
CCDB company service-finance-holdings-llc
22.4% relief · 99.4% timely · 170 filings · Payday loan, title loan, or personal loan
Same-product relief peers
Nearest relief peer: Kilowatt Financial, LLC, a Spruce Finance Company (23.1% relief)
Service Finance Holdings, LLC closes 22.4% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Service Finance Holdings, LLC scores strongest on relief provided (100/100 percentile-benchmarked) and weakest on closed with explanation (59/100), 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
100 / 100 percentile-benchmarked
22.4% of complaints closed with relief to the consumer
Timely response
99 / 100 percentile-benchmarked
99.4% of complaints answered inside the CFPB 15-day window
Closed with explanation
59 / 100 percentile-benchmarked
77.6% of complaints closed with an explanation to the consumer
Most of Service Finance Holdings, LLC's 170 filings include narrative text
52.4% 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.
Service Finance Holdings, LLC complaint mix by product
- Payday loan, 64 37.6% – 28% relief
- Credit reporting, 46 27.1% – 17% relief
- Debt collection 42 24.7% – 26% relief
- Consumer Loan 8 4.7% – 13% relief
- Mortgage 8 4.7% – 0% relief
- Credit card 1 0.6% – 0% relief
- Checking or 1 0.6% – 0% relief
How Service Finance Holdings, LLC's 170 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Payday loan, title loan, or personal loan | 64 |
| Credit reporting, credit repair services, or other personal consumer reports | 46 |
| Debt collection | 42 |
| Consumer Loan | 8 |
| Mortgage | 8 |
| Credit card or prepaid card | 1 |
| Checking or savings account | 1 |
Where Service Finance Holdings, LLC complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- FL
- 14.7% of this company's filings
Service Finance Holdings, LLC rising annual filings
Annual filing volume from the CFPB public database
- 2022
- 38
- +533.3% vs 2015
Top States
| State | Complaints |
|---|---|
| FL | 25 |
| TX | 18 |
| CA | 14 |
| UT | 10 |
| CO | 10 |
| NC | 9 |
| NJ | 7 |
| MD | 7 |
| GA | 6 |
| NY | 6 |
| VA | 5 |
| MI | 5 |
| OH | 5 |
| PA | 4 |
| AZ | 4 |
| TN | 4 |
| MN | 4 |
| IL | 4 |
| WA | 3 |
| MO | 3 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 28 |
| Charged fees or interest you didn't expect | 22 |
| Problem when making payments | 16 |
| Attempts to collect debt not owed | 13 |
| Took or threatened to take negative or legal action | 12 |
| Problem with a credit reporting company's investigation into an existing problem | 12 |
| Getting the loan | 10 |
| Communication tactics | 9 |
| Improper use of your report | 9 |
| Problem with additional add-on products or services | 6 |
| Problem with the payoff process at the end of the loan | 6 |
| Managing the loan or lease | 5 |
| False statements or representation | 5 |
| Taking out the loan or lease | 2 |
| Trouble during payment process | 2 |
| Applying for a mortgage or refinancing an existing mortgage | 2 |
| Closing on a mortgage | 2 |
| Disclosure verification of debt | 1 |
| Problems when you are unable to pay | 1 |
| Identity theft protection or other monitoring services | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2015 | 6 | 83.3% |
| 2016 | 3 | 100% |
| 2017 | 8 | 100% |
| 2018 | 17 | 100% |
| 2019 | 22 | 100% |
| 2020 | 27 | 100% |
| 2021 | 49 | 100% |
| 2022 | 38 | 100% |
Source: CFPB Consumer Complaint Database
Service Finance Holdings, LLC's narrative-rich complaint ledger
Service Finance Holdings, LLC's 170 logged complaints stay concentrated: only 31 states show a filing. 52.4% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2015 through 2022-07-18.
Service Finance Holdings, LLC answers 99.4% of complaints inside the CFPB's tracked window and closes 77.6% with a written explanation. 22.4% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Payday loan, title loan, or personal loan" draws the most filings, most often for "Incorrect information on 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 Service Finance Holdings, LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Service Finance 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: 170.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 99.4%.
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 Service Finance Holdings, LLC (99.4% timely; 22.4% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record