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Data / Consumer complaints / Miracle Finance LTD

Miracle Finance LTD: 16 CFPB complaints, last 3 years

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Updated November 10, 2026. Source: CFPB Consumer Complaint Database.

Miracle Finance LTD drew 16 consumer complaints in the CFPB database in the three years to November 9, 2026, and 16 since 2024. The largest group, 6, was about vehicle loan or lease, and the most common issue was “Repossession” with 4. The company responded on time to 93.8% of the complaints, and 0.0% closed with monetary or other relief. The CFPB records the company as MIRACLE FINANCE LTD.

The request: Watch Miracle Finance LTD: each new CFPB complaint by product and issue, with the date and the company response.

Watch this company's complaintsGet every vehicle loan or lease companyGet vehicle loan or lease in Texas

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

  • 16Complaints, last 3 years
  • 16Complaints, all years
  • 93.8%Responded on time
  • 0.0%Closed with relief
  • 3Products
  • Aug 9, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 97
20257
20242

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.

ProductComplaintsShare
Vehicle loan or lease637.5%
Credit reporting or other personal consumer reports531.2%
Debt collection531.2%

Issues

IssueComplaintsShare
Repossession425%
Improper use of your report318.8%
Took or threatened to take negative or legal action318.8%
Attempts to collect debt not owed212.5%
Problem with a company's investigation into an existing problem212.5%
Incorrect information on your report16.2%
Managing the loan or lease16.2%

How the company responded

Company responseComplaintsShare
Closed with explanation16100%

States

StateComplaintsShare
Texas1593.8%
Louisiana16.2%

Latest 16 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
August 9, 2026Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
July 31, 2026Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
May 22, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
May 22, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
April 6, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
March 16, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
March 6, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
December 20, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
December 4, 2025Vehicle loan or leaseIncorrect information on your reportClosed with explanationconsumerfinance.gov
November 11, 2025Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
August 18, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
June 13, 2025Vehicle loan or leaseManaging the loan or leaseClosed with explanationconsumerfinance.gov
May 8, 2025Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
April 4, 2025Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
February 22, 2024Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
January 22, 2024Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov

Also on SpecStream

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.

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