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.
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- 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.
| Year | Complaints |
|---|---|
| 2026, to Nov 6 | 20 |
| 2025 | 31 |
| 2024 | 16 |
| 2023 | 12 |
| 2022 | 3 |
| 2021 | 4 |
| 2020 | 1 |
| 2019 | 1 |
| 2018 | 4 |
| 2017 | 15 |
| 2016 | 9 |
| 2015 | 1 |
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 |
|---|---|---|
| Payday loan, title loan, personal loan, or advance loan | 33 | 48.5% |
| Credit reporting or other personal consumer reports | 15 | 22.1% |
| Debt collection | 11 | 16.2% |
| Student loan | 5 | 7.4% |
| Debt or credit management | 3 | 4.4% |
| Checking or savings account | 1 | 1.5% |
Issues
| Issue | Complaints | Share |
|---|---|---|
| Improper use of your report | 14 | 20.6% |
| Charged fees or interest you didn't expect | 9 | 13.2% |
| Attempts to collect debt not owed | 5 | 7.4% |
| Problem when making payments | 5 | 7.4% |
| Problem with additional add-on products or services | 5 | 7.4% |
| Struggling to pay your loan | 5 | 7.4% |
| Getting the loan | 4 | 5.9% |
| Communication tactics | 2 | 2.9% |
| Confusing or missing disclosures | 2 | 2.9% |
| Getting a loan | 2 | 2.9% |
| Problem with the payoff process at the end of the loan | 2 | 2.9% |
| Struggling to repay your loan | 2 | 2.9% |
| Charged upfront or unexpected fees | 1 | 1.5% |
| Confusing or misleading advertising or marketing | 1 | 1.5% |
| Dealing with your lender or servicer | 1 | 1.5% |
| Didn't provide services promised | 1 | 1.5% |
| Electronic communications | 1 | 1.5% |
| False statements or representation | 1 | 1.5% |
| Issues with repayment | 1 | 1.5% |
| Problem with a company's investigation into an existing issue | 1 | 1.5% |
| Problem with a lender or other company charging your account | 1 | 1.5% |
| Took or threatened to take negative or legal action | 1 | 1.5% |
| Written notification about debt | 1 | 1.5% |
How the company responded
| Company response | Complaints | Share |
|---|---|---|
| Closed with explanation | 68 | 100% |
States
| State | Complaints | Share |
|---|---|---|
| California | 13 | 19.1% |
| Georgia | 8 | 11.8% |
| Texas | 6 | 8.8% |
| Pennsylvania | 5 | 7.4% |
| Massachusetts | 4 | 5.9% |
| Virginia | 4 | 5.9% |
| Maryland | 3 | 4.4% |
| Ohio | 3 | 4.4% |
| Colorado | 2 | 2.9% |
| Michigan | 2 | 2.9% |
| Missouri | 2 | 2.9% |
| Oregon | 2 | 2.9% |
| Tennessee | 2 | 2.9% |
| Alabama | 1 | 1.5% |
| Arkansas | 1 | 1.5% |
| Arizona | 1 | 1.5% |
| Florida | 1 | 1.5% |
| Hawaii | 1 | 1.5% |
| Illinois | 1 | 1.5% |
| Indiana | 1 | 1.5% |
| Louisiana | 1 | 1.5% |
| North Carolina | 1 | 1.5% |
| Nevada | 1 | 1.5% |
| New York | 1 | 1.5% |
| Wisconsin | 1 | 1.5% |
Latest 50 complaints
Newest first. Each row links to the complaint's record in the CFPB database.
| Received | Product | Issue | Company response | Source |
|---|---|---|---|---|
| October 23, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| October 12, 2026 | Student loan | Struggling to repay your loan | Closed with explanation | consumerfinance.gov |
| October 7, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| September 30, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| August 21, 2026 | Payday loan, title loan, personal loan, or advance loan | Getting the loan | Closed with explanation | consumerfinance.gov |
| August 21, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| June 10, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| June 5, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| June 3, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| June 2, 2026 | Debt collection | Communication tactics | Closed with explanation | consumerfinance.gov |
| May 20, 2026 | Debt collection | Communication tactics | Closed with explanation | consumerfinance.gov |
| May 16, 2026 | Checking or savings account | Problem with a lender or other company charging your account | Closed with explanation | consumerfinance.gov |
| May 11, 2026 | Payday loan, title loan, personal loan, or advance loan | Getting the loan | Closed with explanation | consumerfinance.gov |
| April 16, 2026 | Payday loan, title loan, personal loan, or advance loan | Struggling to pay your loan | Closed with explanation | consumerfinance.gov |
| April 7, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with additional add-on products or services | Closed with explanation | consumerfinance.gov |
| February 23, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| February 5, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| February 4, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| January 12, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| January 8, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| December 8, 2025 | Debt collection | Electronic communications | Closed with explanation | consumerfinance.gov |
| November 7, 2025 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| November 6, 2025 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| November 1, 2025 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing issue | Closed with explanation | consumerfinance.gov |
| October 28, 2025 | Debt or credit management | Didn't provide services promised | Closed with explanation | consumerfinance.gov |
| October 7, 2025 | Payday loan, title loan, personal loan, or advance loan | Problem with additional add-on products or services | Closed with explanation | consumerfinance.gov |
| September 30, 2025 | 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 |
| September 30, 2025 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| September 18, 2025 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| September 15, 2025 | Payday loan, title loan, personal loan, or advance loan | Struggling to pay your loan | Closed with explanation | consumerfinance.gov |
| August 18, 2025 | Payday loan, title loan, personal loan, or advance loan | Problem with additional add-on products or services | Closed with explanation | consumerfinance.gov |
| August 6, 2025 | Payday loan, title loan, personal loan, or advance loan | Problem with additional add-on products or services | Closed with explanation | consumerfinance.gov |
| July 30, 2025 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| July 25, 2025 | Payday loan, title loan, personal loan, or advance loan | Problem with additional add-on products or services | Closed with explanation | consumerfinance.gov |
| July 24, 2025 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| July 21, 2025 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| July 15, 2025 | 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 3, 2025 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| July 3, 2025 | Student loan | Getting a loan | Closed with explanation | consumerfinance.gov |
| June 26, 2025 | Payday loan, title loan, personal loan, or advance loan | Issues with repayment | Closed with explanation | consumerfinance.gov |
| June 19, 2025 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| June 19, 2025 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| May 22, 2025 | Student loan | Getting a loan | Closed with explanation | consumerfinance.gov |
| May 21, 2025 | Student loan | Struggling to repay your loan | Closed with explanation | consumerfinance.gov |
| May 13, 2025 | Payday loan, title loan, personal loan, or advance loan | Struggling to pay your loan | Closed with explanation | consumerfinance.gov |
| May 5, 2025 | Debt collection | False statements or representation | Closed with explanation | consumerfinance.gov |
| May 3, 2025 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| April 30, 2025 | Payday loan, title loan, personal loan, or advance loan | Confusing or missing disclosures | Closed with explanation | consumerfinance.gov |
| April 25, 2025 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| April 16, 2025 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
Also on SpecStream
- Every company with Payday loan, title loan, personal loan, or advance loan complaints
- Every company with Credit reporting or other personal consumer reports complaints
- Every company with Debt collection complaints
- Every company with Student loan complaints
- Consumer complaints in California
- Consumer complaints in Georgia
- Consumer complaints in Texas
- All consumer complaints
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.