CFPB Consumer Complaint Profile
Finance System of Toledo, Inc.
Consumers have filed complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 87
- Total complaints
- Mid-range
- 1
- Last 12 months
- 96.6%
- Timely response
- Below median
- 8
- States affected
The verdict
Finance System of Toledo, Inc. ranks #1418 of 3,843 financial companies by CFPB complaint volume. For answering complaints on time it stands at the 36th percentile in the 100+ complaint peer group.
- Credit reporting, cr…
- most-complained product
- OH
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Finance System of Toledo, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
96.6% Around the middle higher than 36% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2015 | 7 |
| 2016 | 9 |
| 2017 | 4 |
| 2018 | 5 |
| 2019 | 6 |
| 2020 | 8 |
| 2021 | 27 |
| 2022 | 8 |
| 2023 | 9 |
| 2024 | 3 |
| 2025 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Finance System of Toledo, Inc.
Finance System of Toledo, Inc. draws a geographically concentrated spread of CFPB complaints, filed by consumers in many parts of the country. "Credit reporting, credit repair services, or other personal consumer reports" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. The specific issue named most within that category is "Problem with a credit reporting company's investigation into an existing problem," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, the timely-response measure shows how often forwarded complaints get a reply. This company's rate is at or above benchmark levels, a sign it handles intake and escalation well. A formal dispute means the consumer contested the company's response after a case was resolved, a rough measure of how often the first resolution missed the mark. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Finance System of Toledo, Inc.: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (33.3% here).
Also handles Credit reporting, credit repair services, or other personal consumer reports
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Finance System of Toledo, Inc. have?
The CFPB has logged 87 complaints against Finance System of Toledo, Inc. to date, of which 1 came in over the last 12 months.
Does Finance System of Toledo, Inc. respond to complaints on time?
Finance System of Toledo, Inc. has a 96.6% timely response rate to CFPB complaints. This is considered excellent.
What product generates the most complaints for Finance System of Toledo, Inc.?
"Credit reporting, credit repair services, or other personal consumer reports" draws more CFPB complaints against Finance System of Toledo, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Finance System of Toledo, Inc.?
The most common issue reported by consumers about Finance System of Toledo, Inc. is "Problem with a credit reporting company's investigation into an existing problem." All complaint issues are listed above with their counts.
How do I file a complaint against Finance System of Toledo, Inc.?
You can file a complaint against Finance System of Toledo, Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Finance System of Toledo, Inc.?
Consumers in 8 states and territories have filed complaints about Finance System of Toledo, Inc. with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.