CFPB · Mid-pack CFPB posture
SET Financial Corporation
45 CFPB complaints · 11 states · top issue Attempts to collect debt not owed.
SET Financial Corporation has 45 consumer complaints in the CFPB public database. Timely response is 97.8%; 8.9% closed with relief; top product Debt collection. Allegations, not regulatory findings.
- Mid-pack CFPB posture
- +200% filings 2014 to 2026
CFPB relief outcome brief
CCDB company set-financial-corporation
8.9% relief · 97.8% timely · 45 filings · Debt collection
Same-product relief peers
Nearest relief peer: Berman & Rabin, P.A. (8.9% relief)
SET Financial Corporation closes 8.9% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
SET Financial Corporation scores strongest on timely response (96/100 percentile-benchmarked) and weakest on relief provided (42/100), 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
42 / 100 percentile-benchmarked
8.9% of complaints closed with relief to the consumer
Timely response
96 / 100 percentile-benchmarked
97.8% of complaints answered inside the CFPB 15-day window
Closed with explanation
67 / 100 percentile-benchmarked
82.2% of complaints closed with an explanation to the consumer
How 45 complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
SET Financial Corporation complaint mix by product
- Debt collection 21 46.7% – 0% relief
- Credit reporting 8 17.8% – 0% relief
- Payday loan, 7 15.6% – 43% relief
- Credit reporting, 3 6.7% – 0% relief
- Payday loan, 3 6.7% – 0% relief
- Consumer Loan 3 6.7% – 33% relief
How SET Financial Corporation's 45 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 21 |
| Credit reporting or other personal consumer reports | 8 |
| Payday loan, title loan, or personal loan | 7 |
| Credit reporting, credit repair services, or other personal consumer reports | 3 |
| Payday loan, title loan, personal loan, or advance loan | 3 |
| Consumer Loan | 3 |
Concentrated filing states for SET Financial Corporation
Top states by attributed CFPB complaint volume for this company
- Leading state
- SC
- 64.4% of this company's filings
SET Financial Corporation rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 6
- +200% vs 2014
Top States
| State | Complaints |
|---|---|
| SC | 29 |
| MO | 6 |
| TN | 1 |
| NC | 1 |
| WA | 1 |
| GA | 1 |
| RI | 1 |
| CO | 1 |
| HI | 1 |
| KY | 1 |
| TX | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 11 |
| Incorrect information on your report | 8 |
| Improper use of your report | 6 |
| Communication tactics | 3 |
| Took or threatened to take negative or legal action | 2 |
| Written notification about debt | 2 |
| Problems when you are unable to pay | 2 |
| Problem when making payments | 2 |
| Problem with the payoff process at the end of the loan | 1 |
| Charged fees or interest you didn't expect | 1 |
| Improper contact or sharing of info | 1 |
| Cont'd attempts collect debt not owed | 1 |
| Managing the loan or lease | 1 |
| Threatened to contact someone or share information improperly | 1 |
| Struggling to pay your loan | 1 |
| Received a loan you didn't apply for | 1 |
| Problem with a credit reporting company's investigation into an existing problem | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2014 | 2 | 100% |
| 2015 | 4 | 100% |
| 2016 | 1 | 0% |
| 2017 | 1 | 100% |
| 2018 | 1 | 100% |
| 2019 | 2 | 100% |
| 2020 | 2 | 100% |
| 2021 | 1 | 100% |
| 2022 | 2 | 100% |
| 2023 | 5 | 100% |
| 2024 | 8 | 100% |
| 2025 | 10 | 100% |
| 2026 | 6 | 100% |
Source: CFPB Consumer Complaint Database
What the CFPB record shows about SET Financial Corporation
SET Financial Corporation's 45 logged complaints stay concentrated: only 11 states show a filing. Only 31.1% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2014 through 2026-05-05.
SET Financial Corporation answers 97.8% of complaints inside the CFPB's tracked window and closes 82.2% with a written explanation. 8.9% 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 "Attempts to collect debt not owed."
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 SET Financial Corporation.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for SET Financial Corporation: 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: 45.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 97.8%.
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 SET Financial Corporation (97.8% timely; 8.9% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Mid-pack CFPB posture