2026 data Public-data reference. official source

Western-Shamrock Corporation

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

323 consumer complaints filed with the CFPB

This profile shows Western-Shamrock Corporation's complaint history from CFPB public records. 323 consumers have filed complaints since 2014. The company has a 98.1% timely response rate and has provided relief in 8.4% of cases.

323
Total Complaints
98.1%
Timely Response
4%
Disputed
8.4%
Relief Provided
16
States Active
2014
Since

Total complaints

323

Filed since 2014

Timely response

98.1%

CFPB-tracked response window

Relief rate

8.4%

Closed with monetary or non-monetary relief

Timely response rate 98.1%
Federal benchmark

CFPB benchmark: response within 15 calendar days of filing.

Relief rate 8.4%
Industry median

Share closed with monetary or non-monetary relief.

Western-Shamrock Corporation complaint mix by product

Total complaints: 323

Western-Shamrock Corporation complaint mix by product Horizontal strip chart. Width of each segment is proportional to that category's share of the 323 total complaints. Trend arrow shows rolling 12-month direction. Inline badge shows resolution rate (% closed with relief). Debt collection: 136 complaints (42.5%), resolution 8.1% Debt collection 42.5% Payday loan,: 49 complaints (15.3%), resolution 6.1% Payday loan, 15.3% Credit reporting: 39 complaints (12.2%), resolution 10.3% Credit reporting 12.2% Payday loan,: 38 complaints (11.9%), resolution 10.5% Payday loan, 11.9% Credit reporting,: 30 complaints (9.4%), resolution 16.7% Credit reporting, 9.4% Consumer Loan: 22 complaints (6.9%), resolution 0.0% Consumer Loan 6.9% Payday loan: 6 complaints (1.9%), resolution 0.0%
  • Debt collection 136 42.5% 8% relief
  • Payday loan, 49 15.3% 6% relief
  • Credit reporting 39 12.2% 10% relief
  • Payday loan, 38 11.9% 11% relief
  • Credit reporting, 30 9.4% 17% relief
  • Consumer Loan 22 6.9% 0% relief
  • Payday loan 6 1.9% 0% relief

How Western-Shamrock Corporation's 323 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.

Complaints by Product

Product Complaints
Debt collection 136
Payday loan, title loan, or personal loan 49
Credit reporting or other personal consumer reports 39
Payday loan, title loan, personal loan, or advance loan 38
Credit reporting, credit repair services, or other personal consumer reports 30
Consumer Loan 22
Payday loan 6
Credit card or prepaid card 2
Bank account or service 1

Top States

State Complaints
TX 197
OK 34
GA 27
SC 17
NM 12
MO 12
TN 7
AL 4
NC 3
LA 2
CO 1
CA 1
MI 1
IL 1
AR 1
AZ 1

Top Issues

Issue Complaints
Incorrect information on your report 39
Struggling to pay your loan 38
Attempts to collect debt not owed 33
Communication tactics 29
Written notification about debt 21
Improper use of your report 21
Took or threatened to take negative or legal action 20
Problem when making payments 20
Problem with a company's investigation into an existing problem 12
Problems when you are unable to pay 12
Threatened to contact someone or share information improperly 12
Problem with a credit reporting company's investigation into an existing problem 9
Charged fees or interest you didn't expect 9
Cont'd attempts collect debt not owed 6
Improper contact or sharing of info 6
Disclosure verification of debt 4
Can't contact lender 4
False statements or representation 4
Managing the loan or lease 4
Taking out the loan or lease 3

Yearly Trend

Year Complaints Timely
2014 13 92.3%
2015 10 100%
2016 26 88.5%
2017 25 92%
2018 21 100%
2019 20 100%
2020 14 100%
2021 27 100%
2022 22 100%
2023 18 100%
2024 35 100%
2025 72 100%
2026 20 100%

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database

What the CFPB Record Shows About Western-Shamrock Corporation

Western-Shamrock Corporation has accumulated 323 consumer complaints in the CFPB public database, with filings active across 16 U.S. states. Of those submissions, 141 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 2014, and the most recent logged activity is 2026-03-31, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, Western-Shamrock Corporation reports a 98.1% timely-response rate and has closed 88.5% of cases with a written explanation to the consumer. 8.4% 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 4% 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 "Debt collection", and the single most common underlying issue is "Incorrect information on 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 Western-Shamrock Corporation: 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.

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 Western-Shamrock Corporation have?

Western-Shamrock Corporation has received 323 consumer complaints filed with the Consumer Financial Protection Bureau.

Does Western-Shamrock Corporation respond to complaints on time?

Western-Shamrock Corporation has a 98.1% timely response rate to CFPB complaints.

What is the most common complaint about Western-Shamrock Corporation?

The most common issue reported against Western-Shamrock Corporation is "Incorrect information on your report" in the "Debt collection" product category.

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