Special Financing Company, LLC
108 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.
Special Financing Company, LLC complaint mix by product
- Payday loan, 29 29.0% – 0% relief
- Debt collection 16 16.0% – 0% relief
- Credit reporting 15 15.0% – 0% relief
- Credit reporting, 13 13.0% – 0% relief
- Payday loan, 12 12.0% – 0% relief
- Consumer Loan 9 9.0% – 0% relief
- Student loan 6 6.0% – 0% relief
How Special Financing Company, LLC's 108 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, personal loan, or advance loan | 29 |
| Debt collection | 16 |
| Credit reporting or other personal consumer reports | 15 |
| Credit reporting, credit repair services, or other personal consumer reports | 13 |
| Payday loan, title loan, or personal loan | 12 |
| Consumer Loan | 9 |
| Student loan | 6 |
| Debt or credit management | 3 |
| Other financial service | 2 |
| Checking or savings account | 1 |
| Bank account or service | 1 |
| Credit reporting | 1 |
Top States
| State | Complaints |
|---|---|
| CA | 17 |
| TX | 12 |
| GA | 12 |
| FL | 7 |
| VA | 6 |
| MA | 5 |
| OK | 5 |
| MI | 4 |
| OH | 4 |
| PA | 4 |
| MD | 4 |
| OR | 4 |
| TN | 3 |
| NV | 2 |
| CO | 2 |
| IN | 2 |
| HI | 2 |
| LA | 2 |
| NJ | 2 |
| WY | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Improper use of your report | 19 |
| Charged fees or interest you didn't expect | 11 |
| Problem when making payments | 8 |
| Problem with additional add-on products or services | 7 |
| Struggling to pay your loan | 7 |
| Managing the loan or lease | 6 |
| Communication tactics | 4 |
| Attempts to collect debt not owed | 3 |
| Incorrect information on your report | 3 |
| False statements or representation | 3 |
| Fraud or scam | 3 |
| Problem with a credit reporting company's investigation into an existing problem | 3 |
| Confusing or misleading advertising or marketing | 2 |
| Dealing with your lender or servicer | 2 |
| Getting the loan | 2 |
| Confusing or missing disclosures | 2 |
| Getting a loan | 2 |
| Problem with the payoff process at the end of the loan | 2 |
| Cont'd attempts collect debt not owed | 2 |
| Getting a line of credit | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2015 | 1 | 100% |
| 2016 | 9 | 100% |
| 2017 | 15 | 100% |
| 2018 | 4 | 100% |
| 2019 | 1 | 100% |
| 2020 | 1 | 100% |
| 2021 | 4 | 100% |
| 2022 | 3 | 100% |
| 2023 | 12 | 100% |
| 2024 | 16 | 100% |
| 2025 | 31 | 100% |
| 2026 | 11 | 100% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About Special Financing Company, LLC
Special Financing Company, LLC's 108 logged complaints stay concentrated: only 28 states show a filing on record. 52.8% 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 2026-06-05.
Special Financing Company, LLC answers 100% of complaints inside the CFPB's tracked window and closes 100% with a written explanation. 0% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Payday loan, title loan, personal loan, or advance loan" draws the most filings, most often for "Improper use of 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 Special Financing Company, 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 Special Financing Company, LLC have?
108, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Special Financing Company, LLC respond to complaints on time?
100% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Special Financing Company, LLC?
"Improper use of your report", filed under the "Payday loan, title loan, personal loan, or advance 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.