CFPB Consumer Complaint Profile
Service Finance Holdings, LLC
What 170 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 170
- Total complaints
- Mid-range
- 0
- Last 12 months
- 99.4%
- Timely response
- Above median
- 31
- States affected
The verdict
Service Finance Holdings, LLC ranks #1027 of 3,843 financial companies by CFPB complaint volume, with 170 complaints on record. On-time replies land at 99.4%, the 69th percentile for the 100+ complaint peer group.
- #1027
- of 3,843 companies by volume
- 99.4%
- on time (69th pctile)
- Payday loan, title l…
- most-complained product
- 31
- states with 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.
Service Finance Holdings, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.4% Higher than most higher than 69% 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
What changed
CFPB Consumer Complaint Database 2021 to 2022 complete years
- Annual CFPB complaint volume moved from 49 in 2021 to 38 in 2022 (2021 → 2022).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2015 | 6 |
| 2016 | 3 |
| 2017 | 8 |
| 2018 | 17 |
| 2019 | 22 |
| 2020 | 27 |
| 2021 | 49 |
| 2022 | 38 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Service Finance Holdings, LLC
The CFPB Consumer Complaint Database has logged 170 complaints against Service Finance Holdings, LLC overall, with 0 of those filed in the trailing 12 months. Reports have come from consumers in 31 states and territories, making this a multi-regional complaint footprint. "Payday loan, title loan, or personal loan" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Inside that category, "Incorrect information on your report" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Within the Bureau's 15-day response window, Service Finance Holdings, LLC posts a 99.4% reply rate on forwarded complaints. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Consumers formally disputed the company's response at a 36.4% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, the consumer-relief closure rate is 22.4%.
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.
Frequently Asked Questions
How many CFPB complaints does Service Finance Holdings, LLC have?
The CFPB has logged 170 complaints against Service Finance Holdings, LLC to date, of which 0 came in over the last 12 months.
Does Service Finance Holdings, LLC respond to complaints on time?
CFPB complaints against Service Finance Holdings, LLC draw a 99.4% timely-response rate inside the expected window. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Service Finance Holdings, LLC?
"Payday loan, title loan, or personal loan" draws more CFPB complaints against Service Finance Holdings, LLC than any other product - see the full breakdown above.
What is the most common complaint issue with Service Finance Holdings, LLC?
The most common issue reported by consumers about Service Finance Holdings, LLC is "Incorrect information on your report." All complaint issues are listed above with their counts.
How do I file a complaint against Service Finance Holdings, LLC?
You can file a complaint against Service Finance Holdings, LLC 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 Service Finance Holdings, LLC?
Service Finance Holdings, LLC has drawn CFPB complaints from 31 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Service Finance Holdings, LLC: 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 (36.4% here).
Also handles Payday loan, title loan, or personal loan
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Service Finance Holdings, LLC have?
The CFPB has logged 170 complaints against Service Finance Holdings, LLC to date, of which 0 came in over the last 12 months.
Does Service Finance Holdings, LLC respond to complaints on time?
CFPB complaints against Service Finance Holdings, LLC draw a 99.4% timely-response rate inside the expected window. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Service Finance Holdings, LLC?
"Payday loan, title loan, or personal loan" draws more CFPB complaints against Service Finance Holdings, LLC than any other product - see the full breakdown above.
What is the most common complaint issue with Service Finance Holdings, LLC?
The most common issue reported by consumers about Service Finance Holdings, LLC is "Incorrect information on your report." All complaint issues are listed above with their counts.
How do I file a complaint against Service Finance Holdings, LLC?
You can file a complaint against Service Finance Holdings, LLC 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 Service Finance Holdings, LLC?
Service Finance Holdings, LLC has drawn CFPB complaints from 31 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.