CFPB · Narrative-heavy record
State Finance Company
24 CFPB complaints · 58.3% with narratives · top issue Incorrect information on your report.
State Finance Company: 58.3% of 24 filings include consumer narratives. Timely 75% · relief 4.2% · top product Debt collection. Allegations, not findings.
- Narrative-heavy record
- -75% filings 2016 to 2026
CFPB relief outcome brief
CCDB company state-finance-company
4.2% relief · 75% timely · 24 filings · Debt collection
Same-product relief peers
Nearest relief peer: Scheer, Green & Burke L.P.A. (4.2% relief)
State Finance Company closes 4.2% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
State Finance Company scores strongest on closed with explanation (92/100 percentile-benchmarked) and weakest on relief provided (20/100), 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
20 / 100 percentile-benchmarked
4.2% of complaints closed with relief to the consumer
Timely response
56 / 100 percentile-benchmarked
75% of complaints answered inside the CFPB 15-day window
Closed with explanation
92 / 100 percentile-benchmarked
95.8% of complaints closed with an explanation to the consumer
Most of State Finance Company's 24 filings include narrative text
58.3% 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.
State Finance Company complaint mix by product
- Debt collection 10 41.7% – 0% relief
- Credit reporting 6 25.0% – 0% relief
- Credit reporting, 3 12.5% – 0% relief
- Consumer Loan 2 8.3% – 50% relief
- Payday loan, 1 4.2% – 0% relief
- Credit card 1 4.2% – 0% relief
- Payday loan, 1 4.2% – 0% relief
How State Finance Company's 24 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 10 |
| Credit reporting or other personal consumer reports | 6 |
| Credit reporting, credit repair services, or other personal consumer reports | 3 |
| Consumer Loan | 2 |
| Payday loan, title loan, personal loan, or advance loan | 1 |
| Credit card | 1 |
| Payday loan, title loan, or personal loan | 1 |
State Finance Company falling annual filings
Annual filing volume from the CFPB public database
- 2026
- 1
- -75% vs 2016
Top States
| State | Complaints |
|---|---|
| TX | 24 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 8 |
| Communication tactics | 5 |
| Problem with a company's investigation into an existing problem | 3 |
| Cont'd attempts collect debt not owed | 2 |
| Problems when you are unable to pay | 2 |
| Attempts to collect debt not owed | 1 |
| Threatened to contact someone or share information improperly | 1 |
| Received a loan you didn't apply for | 1 |
| False statements or representation | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2016 | 4 | 25% |
| 2017 | 3 | 33.3% |
| 2018 | 1 | 100% |
| 2019 | 1 | 100% |
| 2020 | 5 | 100% |
| 2021 | 1 | 100% |
| 2023 | 1 | 100% |
| 2024 | 4 | 100% |
| 2025 | 3 | 66.7% |
| 2026 | 1 | 100% |
Source: CFPB Consumer Complaint Database
State Finance Company's narrative-rich complaint ledger
State Finance Company's 24 logged complaints stay concentrated: only 1 state shows a filing. 58.3% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2016 through 2026-01-23.
State Finance Company answers 75% of complaints inside the CFPB's tracked window and closes 95.8% with a written explanation. 4.2% 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 "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 State Finance Company.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for State Finance Company: 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: 24.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 75%.
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 State Finance Company (75% timely; 4.2% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record