Total complaints
127
Filed since 2015
2026 data Public-data reference. official source
Service Finance Holdings, LLC
127 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
127 consumer complaints filed with the CFPB
This profile shows Service Finance Holdings, LLC's complaint history from CFPB public records. 127 consumers have filed complaints since 2015. The company has a 100% timely response rate and has provided relief in 21.3% of cases.
127
Total Complaints
100%
Timely Response
3.1%
Disputed
21.3%
Relief Provided
30
States Active
2015
Since
Timely response
100%
CFPB-tracked response window
Relief rate
21.3%
Closed with monetary or non-monetary relief
Timely response rate 100.0%
Federal benchmark
CFPB benchmark: response within 15 calendar days of filing.
Relief rate 21.3%
Industry median
Share closed with monetary or non-monetary relief.
Service Finance Holdings, LLC complaint mix by product
- Payday loan, 47 37.0% – 26% relief
- Credit reporting, 34 26.8% – 15% relief
- Debt collection 32 25.2% – 28% relief
- Consumer Loan 7 5.5% – 14% relief
- Mortgage 5 3.9% – 0% relief
- Credit card 1 0.8% – 0% relief
- Checking or 1 0.8% – 0% relief
How Service Finance Holdings, LLC's 127 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 | 47 |
| Credit reporting, credit repair services, or other personal consumer reports | 34 |
| Debt collection | 32 |
| Consumer Loan | 7 |
| Mortgage | 5 |
| Credit card or prepaid card | 1 |
| Checking or savings account | 1 |
Top States
| State | Complaints |
|---|---|
| FL | 19 |
| CA | 12 |
| TX | 9 |
| UT | 9 |
| NJ | 6 |
| MD | 6 |
| NY | 6 |
| OH | 5 |
| NC | 5 |
| VA | 5 |
| CO | 4 |
| PA | 4 |
| GA | 4 |
| IL | 4 |
| MN | 3 |
| TN | 3 |
| WA | 3 |
| AZ | 2 |
| IN | 2 |
| MO | 2 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 19 |
| Charged fees or interest you didn't expect | 15 |
| Problem when making payments | 11 |
| Attempts to collect debt not owed | 10 |
| Problem with a credit reporting company's investigation into an existing problem | 9 |
| Took or threatened to take negative or legal action | 9 |
| Getting the loan | 9 |
| Improper use of your report | 9 |
| Communication tactics | 7 |
| Managing the loan or lease | 5 |
| Problem with the payoff process at the end of the loan | 4 |
| False statements or representation | 4 |
| Problem with additional add-on products or services | 4 |
| Problems when you are unable to pay | 1 |
| Disclosure verification of debt | 1 |
| Struggling to pay your loan | 1 |
| Getting a credit card | 1 |
| Written notification about debt | 1 |
| Trouble during payment process | 1 |
| Closing on a mortgage | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2015 | 5 | 100% |
| 2016 | 3 | 100% |
| 2017 | 7 | 100% |
| 2018 | 12 | 100% |
| 2019 | 17 | 100% |
| 2020 | 23 | 100% |
| 2021 | 35 | 100% |
| 2022 | 25 | 100% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About Service Finance Holdings, LLC
Service Finance Holdings, LLC has accumulated 127 consumer complaints in the CFPB public database, with filings active across 30 U.S. states. Of those submissions, 46 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to 2015, and the most recent logged activity is 2022-05-28, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, Service Finance Holdings, LLC reports a 100% timely-response rate and has closed 78.7% of cases with a written explanation to the consumer. 21.3% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 3.1% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "Payday loan, title loan, or personal loan", and the single most common underlying issue is "Incorrect information on your report".
Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating Service Finance Holdings, LLC: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.
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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.
Frequently Asked Questions
How many CFPB complaints does Service Finance Holdings, LLC have?
Service Finance Holdings, LLC has received 127 consumer complaints filed with the Consumer Financial Protection Bureau.
Does Service Finance Holdings, LLC respond to complaints on time?
Service Finance Holdings, LLC has a 100% timely response rate to CFPB complaints.
What is the most common complaint about Service Finance Holdings, LLC?
The most common issue reported against Service Finance Holdings, LLC is "Incorrect information on your report" in the "Payday loan, title loan, or personal loan" product category.
Read our methodology — how this data is sourced, computed, and verified.
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