CFPB · Diversified product mix
Special Financing Company, LLC
108 CFPB complaints · diversified mix (top product 26.9%) · top issue Improper use of your report.
Special Financing Company, LLC: top product "Payday loan, title loan, personal loan, or advance loan" is only 26.9% of 108 - multi-bucket mix. Timely 100% · relief 0%. Allegations, not findings.
- Diversified product mix
- +1000% filings 2015 to 2026
CFPB relief outcome brief
CCDB company special-financing-company-llc
0% relief · 100% timely · 108 filings · Payday loan, title loan, personal loan, or advance loan
Same-product relief peers
Nearest relief peer: CCF Intermediate Holdings LLC (0% relief)
Special Financing Company, LLC closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Special Financing Company, LLC scores strongest on timely response (100/100 percentile-benchmarked) and weakest on relief provided (0/100), 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
0 / 100 percentile-benchmarked
0% of complaints closed with relief to the consumer
Timely response
100 / 100 percentile-benchmarked
100% of complaints answered inside the CFPB 15-day window
Closed with explanation
100 / 100 percentile-benchmarked
100% of complaints closed with an explanation to the consumer
Most of Special Financing Company, LLC's 108 filings include narrative text
52.8% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
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 |
Where Special Financing Company, LLC complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 15.7% of this company's filings
Special Financing Company, LLC rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 11
- +1000% vs 2015
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
Special Financing Company, LLC spreads across product buckets
Special Financing Company, LLC's 108 logged complaints stay concentrated: only 28 states show a filing. 52.8% of filings carry a written consumer narrative, 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.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Special Financing Company, LLC: 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: 108.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 100%.
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 Special Financing Company, LLC (100% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Diversified product mix