Service Finance Holdings, LLC
170 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
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 |
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 CFPB Consumer Complaint Database
What the CFPB Record Shows About Service Finance Holdings, LLC
Service Finance Holdings, LLC's 170 logged complaints stay concentrated: only 31 states show a filing on record. 52.4% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - 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.
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?
170, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Service Finance Holdings, LLC respond to complaints on time?
99.4% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Service Finance Holdings, LLC?
"Incorrect information on your report", filed under the "Payday loan, title loan, or personal loan" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.