2026 data Public-data reference. official source

Special Financing Company, LLC

79 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.

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79 consumer complaints filed with the CFPB

This profile shows Special Financing Company, LLC's complaint history from CFPB public records. 79 consumers have filed complaints since 2015. The company has a 100% timely response rate and has provided relief in 0% of cases.

79
Total Complaints
100%
Timely Response
3.8%
Disputed
0%
Relief Provided
26
States Active
2015
Since

Total complaints

79

Filed since 2015

Timely response

100%

CFPB-tracked response window

Relief rate

0%

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 0.0%
Industry median

Share closed with monetary or non-monetary relief.

Special Financing Company, LLC complaint mix by product

Total complaints: 79

Special Financing Company, LLC complaint mix by product Horizontal strip chart. Width of each segment is proportional to that category's share of the 79 total complaints. Trend arrow shows rolling 12-month direction. Inline badge shows resolution rate (% closed with relief). Payday loan,: 18 complaints (24.7%), resolution 0.0% Payday loan, 24.7% Credit reporting,: 12 complaints (16.4%), resolution 0.0% Credit reporting, 16.4% Credit reporting: 12 complaints (16.4%), resolution 0.0% Credit reporting 16.4% Payday loan,: 11 complaints (15.1%), resolution 0.0% Payday loan, 15.1% Debt collection: 10 complaints (13.7%), resolution 0.0% Debt collection 13.7% Consumer Loan: 8 complaints (11.0%), resolution 0.0% Consumer Loan 11.0% Other financial: 2 complaints (2.7%), resolution 0.0%
  • Payday loan, 18 24.7% – 0% relief
  • Credit reporting, 12 16.4% – 0% relief
  • Credit reporting 12 16.4% – 0% relief
  • Payday loan, 11 15.1% – 0% relief
  • Debt collection 10 13.7% – 0% relief
  • Consumer Loan 8 11.0% – 0% relief
  • Other financial 2 2.7% – 0% relief

How Special Financing Company, LLC's 79 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 18
Credit reporting, credit repair services, or other personal consumer reports 12
Credit reporting or other personal consumer reports 12
Payday loan, title loan, or personal loan 11
Debt collection 10
Consumer Loan 8
Other financial service 2
Debt or credit management 2
Student loan 2
Bank account or service 1
Credit reporting 1

Top States

State Complaints
GA 11
CA 10
TX 9
VA 5
FL 5
OK 4
OH 3
MD 3
TN 3
MI 3
NV 2
OR 2
PA 2
HI 2
MA 2
IN 2
LA 2
AZ 1
IL 1
NY 1

Top Issues

Issue Complaints
Improper use of your report 16
Charged fees or interest you didn't expect 9
Problem when making payments 6
Managing the loan or lease 5
Struggling to pay your loan 5
Problem with additional add-on products or services 3
Fraud or scam 3
Incorrect information on your report 3
Problem with a credit reporting company's investigation into an existing problem 2
Cont'd attempts collect debt not owed 2
Communication tactics 2
Confusing or misleading advertising or marketing 2
Confusing or missing disclosures 2
Dealing with your lender or servicer 2
Problem with the payoff process at the end of the loan 2
Taking out the loan or lease 1
Attempts to collect debt not owed 1
Disclosure verification of debt 1
Electronic communications 1
Issues with repayment 1

Yearly Trend

Year Complaints Timely
2015 1 100%
2016 8 100%
2017 14 100%
2018 4 100%
2020 1 100%
2021 3 100%
2022 3 100%
2023 10 100%
2024 11 100%
2025 19 100%
2026 5 100%

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database

What the CFPB Record Shows About Special Financing Company, LLC

Special Financing Company, LLC has accumulated 79 consumer complaints in the CFPB public database, with filings active across 26 U.S. states. Of those submissions, 32 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 2026-02-23, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, Special Financing Company, LLC reports a 100% timely-response rate and has closed 100% of cases with a written explanation to the consumer. 0% 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 3.8% 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, personal loan, or advance loan", and the single most common underlying issue is "Improper use of 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 Special Financing Company, 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 Special Financing Company, LLC have?

Special Financing Company, LLC has received 79 consumer complaints filed with the Consumer Financial Protection Bureau.

Does Special Financing Company, LLC respond to complaints on time?

Special Financing Company, LLC has a 100% timely response rate to CFPB complaints.

What is the most common complaint about Special Financing Company, LLC?

The most common issue reported against Special Financing Company, LLC is "Improper use of your report" in the "Payday loan, title loan, personal loan, or advance loan" product category.

Read our methodology — how this data is sourced, computed, and verified.

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