Data / Consumer complaints / American First Finance, Inc.
American First Finance, Inc.: 642 CFPB consumer complaints in the last 3 years
American First Finance, Inc. drew 642 consumer complaints in the CFPB database in the three years to November 6, 2026, and 1,429 since 2015. The largest group, 252, was about credit reporting or other personal consumer reports, and the most common issue was “Incorrect information on your report” with 158. The company responded on time to 100.0% of the complaints, and 38.0% closed with monetary or other relief.
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- 642Complaints, last 3 years
- 1,429Complaints, all years
- 100.0%Responded on time
- 38.0%Closed with relief
- 7Products
- Nov 5, 2026Latest received
Complaints by year
Every year the CFPB database holds for this company, by the date received.
| Year | Complaints |
|---|---|
| 2026, to Nov 6 | 160 |
| 2025 | 223 |
| 2024 | 235 |
| 2023 | 240 |
| 2022 | 178 |
| 2021 | 162 |
| 2020 | 93 |
| 2019 | 73 |
| 2018 | 36 |
| 2017 | 17 |
| 2016 | 8 |
| 2015 | 4 |
Products
Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.
| Product | Complaints | Share |
|---|---|---|
| Credit reporting or other personal consumer reports | 252 | 39.3% |
| Debt collection | 208 | 32.4% |
| Payday loan, title loan, personal loan, or advance loan | 147 | 22.9% |
| Credit card | 22 | 3.4% |
| Debt or credit management | 6 | 0.9% |
| Vehicle loan or lease | 4 | 0.6% |
| Checking or savings account | 3 | 0.5% |
Issues
| Issue | Complaints | Share |
|---|---|---|
| Incorrect information on your report | 158 | 24.6% |
| Attempts to collect debt not owed | 96 | 15% |
| Charged fees or interest you didn't expect | 73 | 11.4% |
| Took or threatened to take negative or legal action | 56 | 8.7% |
| Improper use of your report | 55 | 8.6% |
| Problem with a company's investigation into an existing problem | 50 | 7.8% |
| False statements or representation | 26 | 4% |
| Problem when making payments | 20 | 3.1% |
| Written notification about debt | 19 | 3% |
| Problem with the payoff process at the end of the loan | 17 | 2.6% |
| Getting the loan | 8 | 1.2% |
| Communication tactics | 6 | 0.9% |
| Getting a credit card | 6 | 0.9% |
| Problem with additional add-on products or services | 6 | 0.9% |
| Struggling to pay your loan | 5 | 0.8% |
| Credit monitoring or identity theft protection services | 4 | 0.6% |
| Electronic communications | 4 | 0.6% |
| Fees or interest | 4 | 0.6% |
| Getting a line of credit | 3 | 0.5% |
| Problem with a lender or other company charging your account | 3 | 0.5% |
| Problem with a purchase shown on your statement | 3 | 0.5% |
| Advertising and marketing, including promotional offers | 2 | 0.3% |
| Charged upfront or unexpected fees | 2 | 0.3% |
| Managing the loan or lease | 2 | 0.3% |
| Other features, terms, or problems | 2 | 0.3% |
How the company responded
| Company response | Complaints | Share |
|---|---|---|
| Closed with explanation | 398 | 62% |
| Closed with non-monetary relief | 190 | 29.6% |
| Closed with monetary relief | 54 | 8.4% |
States
| State | Complaints | Share |
|---|---|---|
| Texas | 92 | 14.3% |
| Pennsylvania | 67 | 10.4% |
| Florida | 60 | 9.3% |
| Georgia | 55 | 8.6% |
| South Carolina | 36 | 5.6% |
| Arizona | 34 | 5.3% |
| California | 33 | 5.1% |
| Illinois | 24 | 3.7% |
| Nevada | 22 | 3.4% |
| New York | 21 | 3.3% |
| Virginia | 21 | 3.3% |
| North Carolina | 20 | 3.1% |
| Michigan | 17 | 2.6% |
| Wisconsin | 15 | 2.3% |
| Ohio | 13 | 2% |
| Alabama | 11 | 1.7% |
| Missouri | 10 | 1.6% |
| Washington | 10 | 1.6% |
| Louisiana | 9 | 1.4% |
| Arkansas | 8 | 1.2% |
| Maryland | 8 | 1.2% |
| Tennessee | 8 | 1.2% |
| Indiana | 7 | 1.1% |
| New Jersey | 7 | 1.1% |
| Oklahoma | 7 | 1.1% |
Latest 50 complaints
Newest first. Each row links to the complaint's record in the CFPB database.
| Received | Product | Issue | Company response | Source |
|---|---|---|---|---|
| November 5, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| November 2, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| November 1, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with non-monetary relief | consumerfinance.gov |
| October 28, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with non-monetary relief | consumerfinance.gov |
| October 20, 2026 | Debt collection | Written notification about debt | Closed with non-monetary relief | consumerfinance.gov |
| October 15, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| October 15, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with the payoff process at the end of the loan | Closed with explanation | consumerfinance.gov |
| October 14, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| October 13, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| October 8, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with the payoff process at the end of the loan | Closed with non-monetary relief | consumerfinance.gov |
| October 7, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| October 3, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| September 30, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with fraud alerts or security freezes | Closed with monetary relief | consumerfinance.gov |
| September 28, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| September 25, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with monetary relief | consumerfinance.gov |
| September 25, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| September 21, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| September 21, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with the payoff process at the end of the loan | Closed with monetary relief | consumerfinance.gov |
| September 21, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with monetary relief | consumerfinance.gov |
| September 16, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| September 15, 2026 | Debt collection | Attempts to collect debt not owed | Closed with non-monetary relief | consumerfinance.gov |
| September 15, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with monetary relief | consumerfinance.gov |
| September 13, 2026 | Debt collection | Attempts to collect debt not owed | Closed with non-monetary relief | consumerfinance.gov |
| September 10, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| September 3, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with monetary relief | consumerfinance.gov |
| August 31, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| August 27, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| August 26, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| August 25, 2026 | Debt or credit management | Confusing or misleading advertising or marketing | Closed with explanation | consumerfinance.gov |
| August 25, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| August 22, 2026 | Checking or savings account | Problem with a lender or other company charging your account | Closed with monetary relief | consumerfinance.gov |
| August 22, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| August 17, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| August 14, 2026 | Credit card | Advertising and marketing, including promotional offers | Closed with monetary relief | consumerfinance.gov |
| August 10, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| August 5, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with monetary relief | consumerfinance.gov |
| August 4, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| August 2, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| July 29, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with non-monetary relief | consumerfinance.gov |
| July 27, 2026 | Debt collection | Attempts to collect debt not owed | Closed with non-monetary relief | consumerfinance.gov |
| July 24, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| July 23, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| July 20, 2026 | Credit card | Problem with a purchase shown on your statement | Closed with explanation | consumerfinance.gov |
| July 17, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| July 14, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| July 10, 2026 | Debt collection | Written notification about debt | Closed with explanation | consumerfinance.gov |
| July 10, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with the payoff process at the end of the loan | Closed with explanation | consumerfinance.gov |
| July 7, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| July 2, 2026 | Debt or credit management | Charged upfront or unexpected fees | Closed with explanation | consumerfinance.gov |
| June 30, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
Also on SpecStream
- Every company with Credit reporting or other personal consumer reports complaints
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- Every company with Credit card complaints
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- Consumer complaints in Pennsylvania
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Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.