Companies › Payday loan, title loan, or personal loan
Who is complaining aboutService Finance Holdings, LLC?
When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.
The CFPB does not verify every allegation in a complaint before publishing it.Consumer Financial Protection Bureau, Consumer Complaint Database. A complaint is a consumer's account of a problem; it is not a finding against the company.
Complaints, last 12 months
0
0 in the 12 months before · 170 since 2015
For its size
No public size denominator
This company could not be matched by name to a single institution in the FDIC, NCUA or HMDA files, so its count cannot be scaled here. Read the count with the company's customer base in mind.
The CFPB complaint database holds 170 complaints about Service Finance Holdings, LLC, received between 17 Jan 2015 and 18 Jul 2022. None arrived in the 12 months to 1 Oct 2026.
Service Finance Holdings, LLC could not be matched by name to a single institution in the FDIC, NCUA or HMDA files, so its complaint count cannot be set against its size here. A company with more customers can be expected to receive more complaints than one with fewer.
37.6% of the complaints on file fall under the CFPB product category “Payday loan, title loan, or personal loan”, followed by “Credit reporting, credit repair services, or other personal consumer reports” at 27.1%. The issue selected most often was “Incorrect information on your report” (16.5%).
How the company's responses were recorded across all years: 77.6% closed with an explanation, 15.9% closed with non-monetary relief, 6.5% closed with monetary relief. 99.4% of responses were marked timely.
A complaint is a consumer's account and is not a finding against the company. The CFPB does not verify every allegation in a complaint before publishing it.
Windows end on 1 Oct 2026, the last date in the CFPB file. The latest two to three weeks are incomplete because a complaint is published only after the company responds or 15 days pass.
Compared with peer companies
Too few companies share this company's main complaint category for a peer median. Nationally, 99.6% of responses were marked timely and 31.5% of closed complaints ended with monetary or non-monetary relief; for this company the figures are 99.4% and 22.4%.
Complaints by month
No complaints about this company were received in the last 24 months; the latest on file is dated 18 Jul 2022.
What the complaints are about
Products and issues are the categories the consumer selects on the CFPB form, shown with the CFPB's wording, since 2011.
- Payday loan, title loan, or personal loan64 · 37.6%
- Credit reporting, credit repair services, or other personal consumer reports46 · 27.1%
- Debt collection42 · 24.7%
- Consumer Loan8 · 4.7%
- Mortgage8 · 4.7%
- All other categories2 · 1.2%
| Issue (CFPB label) | Complaints | Share |
|---|---|---|
| Incorrect information on your report | 28 | 16.5% |
| Charged fees or interest you didn't expect | 22 | 12.9% |
| Problem when making payments | 16 | 9.4% |
| Attempts to collect debt not owed | 13 | 7.6% |
| Took or threatened to take negative or legal action | 12 | 7.1% |
| Problem with a credit reporting company's investigation into an existing problem | 12 | 7.1% |
| Getting the loan | 10 | 5.9% |
| Communication tactics | 9 | 5.3% |
| Improper use of your report | 9 | 5.3% |
| Problem with additional add-on products or services | 6 | 3.5% |
| Other CFPB issue categories | 33 | 19.4% |
Payday loan, title loan, or personal loan
64 complaints since 2011 (37.6% of this company's total). That is 0.2% of all complaints in the category nationally.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Charged fees or interest you didn't expect | 22 | 34.4% |
| Problem when making payments | 16 | 25% |
| Getting the loan | 10 | 15.6% |
| Problem with additional add-on products or services | 6 | 9.4% |
| Problem with the payoff process at the end of the loan | 6 | 9.4% |
| Other CFPB issue categories | 4 | 6.3% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Installment loan | 56 | 87.5% |
| Personal line of credit | 8 | 12.5% |
Credit reporting, credit repair services, or other personal consumer reports
46 complaints since 2011 (27.1% of this company's total). That is under 0.1% of all complaints in the category nationally.
Issues
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Credit reporting | 43 | 93.5% |
| Other personal consumer report | 3 | 6.5% |
Debt collection
42 complaints since 2011 (24.7% of this company's total). That is under 0.1% of all complaints in the category nationally.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Attempts to collect debt not owed | 13 | 31% |
| Took or threatened to take negative or legal action | 12 | 28.6% |
| Communication tactics | 9 | 21.4% |
| False statements or representation | 5 | 11.9% |
| Disclosure verification of debt | 1 | 2.4% |
| Other CFPB issue categories | 2 | 4.8% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Other debt | 27 | 64.3% |
| I do not know | 10 | 23.8% |
| Other (i.e. phone, health club, etc.) | 2 | 4.8% |
| Mortgage debt | 1 | 2.4% |
| Auto | 1 | 2.4% |
| Other or no sub-product recorded | 1 | 2.4% |
How the company responded
The CFPB records one closing category for each complaint, chosen by the company. Shares are of all complaints since 2011.
- Closed with explanation132 · 77.6%
- Closed with non-monetary relief27 · 15.9%
- Closed with monetary relief11 · 6.5%
The current CFPB export carries no consumer-disputed field, so no disputed rate is shown. The CFPB stopped collecting that field in April 2017.
The company's optional public response
Companies may choose one public response category from a CFPB list. These are the company's own selections.
| Company public response (CFPB category) | Complaints | Share |
|---|---|---|
| No public response category recorded | 140 | 82.4% |
| Company believes it acted appropriately as authorized by contract or law | 14 | 8.2% |
| Company believes the complaint is the result of a misunderstanding | 5 | 2.9% |
| Company believes complaint caused principally by actions of third party outside the control or direction of the company | 5 | 2.9% |
| Company disputes the facts presented in the complaint | 3 | 1.8% |
| Company believes complaint is the result of an isolated error | 2 | 1.2% |
| Company has responded to the consumer and the CFPB and chooses not to provide a public response | 1 | 0.6% |
Where the complaints come from
| State (as reported by the consumer) | Complaints | Share |
|---|---|---|
| Florida | 25 | 14.7% |
| Texas | 18 | 10.6% |
| California | 14 | 8.2% |
| Utah | 10 | 5.9% |
| Colorado | 10 | 5.9% |
| North Carolina | 9 | 5.3% |
| New Jersey | 7 | 4.1% |
| Maryland | 7 | 4.1% |
| Georgia | 6 | 3.5% |
| New York | 6 | 3.5% |
| Virginia | 5 | 2.9% |
| Michigan | 5 | 2.9% |
Top 12 of 30 states with at least one complaint since 2011. State counts follow population and where the company does business.
Questions and answers
How many complaints has the CFPB received about Service Finance Holdings, LLC?
0 in the 12 months to 1 Oct 2026 (0 in the 12 months before that) and 170 since 2015. 0 arrived in the last 30 days and 0 in the last 90 days; the most recent weeks are incomplete because a complaint is published only once the company responds or after 15 days.
How does that compare for its size?
Service Finance Holdings, LLC could not be matched by name to a single institution in the FDIC, NCUA or HMDA files, so its complaint count cannot be set against its size here. A company with more customers can be expected to receive more complaints than one with fewer. The CFPB's own caution: “When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.”
What are people complaining about?
37.6% of complaints on file are filed under “Payday loan, title loan, or personal loan”. The issues selected most often were “Incorrect information on your report” (16.5%), “Charged fees or interest you didn't expect” (12.9%), “Problem when making payments” (9.4%). These are the categories the consumer picks on the CFPB form; the text of complaints is not used on this site.
How does Service Finance Holdings, LLC respond to complaints?
77.6% were closed with an explanation, 15.9% with non-monetary relief and 6.5% with monetary relief; 99.4% of responses were timely.
Does the CFPB verify complaints?
The CFPB does not verify every allegation in a complaint before publishing it. The Bureau publishes a complaint after the company responds, confirming a commercial relationship with the consumer, or after 15 days, whichever comes first. A complaint on file is not a finding that the company did anything wrong.
Where do these figures come from?
From the CFPB Consumer Complaint Database bulk file, counted through 1 Oct 2026, using only the coded fields (company, product, issue, state, dates, company response). Company size comes from FDIC, NCUA or HMDA public files where the company appears in one. Company names are shown as the CFPB publishes them.
Provenance
Source: Consumer Financial Protection Bureau, Consumer Complaint Database, bulk file downloaded 1 Oct 2026, complaints received through 1 Oct 2026. Only coded fields are used (company, product, sub-product, issue, state, dates, company response, timeliness); complaint narratives are never read, stored or shown. Complaints are published once the company responds or after 15 days, so the most recent two to three weeks are incomplete. The company name is shown as the CFPB publishes it. No size measure: the company could not be matched by name to a single institution in the FDIC, NCUA or HMDA files. Companies can respond to the CFPB about any complaint; errors in this site's processing are fixed at the next daily build. Size measures: FDIC BankFind (report date 30 Jun 2026), NCUA call reports (30 Jun 2026), HMDA transmittal sheet (2025), Census Bureau population estimates (2025). All are US government works. See this company's complaints at the CFPB · Methodology · Report an error.