Skip to the page

Data / Consumer complaints / Special Financing Company, LLC

Special Financing Company, LLC: 68 CFPB consumer complaints in the last 3 years

Special Financing Company, LLC drew 68 consumer complaints in the CFPB database in the three years to November 6, 2026, and 117 since 2015. The largest group, 33, was about payday loan, title loan, personal loan, or advance loan, and the most common issue was “Improper use of your report” with 14. The company responded on time to 100.0% of the complaints, and 0.0% closed with monetary or other relief.

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.

  • 68Complaints, last 3 years
  • 117Complaints, all years
  • 100.0%Responded on time
  • 0.0%Closed with relief
  • 6Products
  • Oct 23, 2026Latest received

Complaints by year

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

YearComplaints
2026, to Nov 620
202531
202416
202312
20223
20214
20201
20191
20184
201715
20169
20151

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.

Issues

IssueComplaintsShare
Improper use of your report1420.6%
Charged fees or interest you didn't expect913.2%
Attempts to collect debt not owed57.4%
Problem when making payments57.4%
Problem with additional add-on products or services57.4%
Struggling to pay your loan57.4%
Getting the loan45.9%
Communication tactics22.9%
Confusing or missing disclosures22.9%
Getting a loan22.9%
Problem with the payoff process at the end of the loan22.9%
Struggling to repay your loan22.9%
Charged upfront or unexpected fees11.5%
Confusing or misleading advertising or marketing11.5%
Dealing with your lender or servicer11.5%
Didn't provide services promised11.5%
Electronic communications11.5%
False statements or representation11.5%
Issues with repayment11.5%
Problem with a company's investigation into an existing issue11.5%
Problem with a lender or other company charging your account11.5%
Took or threatened to take negative or legal action11.5%
Written notification about debt11.5%

How the company responded

Company responseComplaintsShare
Closed with explanation68100%

States

StateComplaintsShare
California1319.1%
Georgia811.8%
Texas68.8%
Pennsylvania57.4%
Massachusetts45.9%
Virginia45.9%
Maryland34.4%
Ohio34.4%
Colorado22.9%
Michigan22.9%
Missouri22.9%
Oregon22.9%
Tennessee22.9%
Alabama11.5%
Arkansas11.5%
Arizona11.5%
Florida11.5%
Hawaii11.5%
Illinois11.5%
Indiana11.5%
Louisiana11.5%
North Carolina11.5%
Nevada11.5%
New York11.5%
Wisconsin11.5%

Latest 50 complaints

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

ReceivedProductIssueCompany responseSource
October 23, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 12, 2026Student loanStruggling to repay your loanClosed with explanationconsumerfinance.gov
October 7, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
September 30, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
August 21, 2026Payday loan, title loan, personal loan, or advance loanGetting the loanClosed with explanationconsumerfinance.gov
August 21, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
June 10, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
June 5, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
June 3, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
June 2, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
May 20, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
May 16, 2026Checking or savings accountProblem with a lender or other company charging your accountClosed with explanationconsumerfinance.gov
May 11, 2026Payday loan, title loan, personal loan, or advance loanGetting the loanClosed with explanationconsumerfinance.gov
April 16, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
April 7, 2026Payday loan, title loan, personal loan, or advance loanProblem with additional add-on products or servicesClosed with explanationconsumerfinance.gov
February 23, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
February 5, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
February 4, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
January 12, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
January 8, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
December 8, 2025Debt collectionElectronic communicationsClosed with explanationconsumerfinance.gov
November 7, 2025Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
November 6, 2025Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
November 1, 2025Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing issueClosed with explanationconsumerfinance.gov
October 28, 2025Debt or credit managementDidn't provide services promisedClosed with explanationconsumerfinance.gov
October 7, 2025Payday loan, title loan, personal loan, or advance loanProblem with additional add-on products or servicesClosed with explanationconsumerfinance.gov
September 30, 2025Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanClosed with explanationconsumerfinance.gov
September 30, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
September 18, 2025Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
September 15, 2025Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
August 18, 2025Payday loan, title loan, personal loan, or advance loanProblem with additional add-on products or servicesClosed with explanationconsumerfinance.gov
August 6, 2025Payday loan, title loan, personal loan, or advance loanProblem with additional add-on products or servicesClosed with explanationconsumerfinance.gov
July 30, 2025Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
July 25, 2025Payday loan, title loan, personal loan, or advance loanProblem with additional add-on products or servicesClosed with explanationconsumerfinance.gov
July 24, 2025Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
July 21, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 15, 2025Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanClosed with explanationconsumerfinance.gov
July 3, 2025Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
July 3, 2025Student loanGetting a loanClosed with explanationconsumerfinance.gov
June 26, 2025Payday loan, title loan, personal loan, or advance loanIssues with repaymentClosed with explanationconsumerfinance.gov
June 19, 2025Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
June 19, 2025Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
May 22, 2025Student loanGetting a loanClosed with explanationconsumerfinance.gov
May 21, 2025Student loanStruggling to repay your loanClosed with explanationconsumerfinance.gov
May 13, 2025Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
May 5, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
May 3, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
April 30, 2025Payday loan, title loan, personal loan, or advance loanConfusing or missing disclosuresClosed with explanationconsumerfinance.gov
April 25, 2025Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
April 16, 2025Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov

Also on SpecStream

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.