CFPB Consumer Complaint Profile
Toledo Finance Corporation
What 90 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
- 90
- Total complaints
- 39
- Last 12 months
- 95.6%
- Timely response
- 6
- States affected
The verdict
Toledo Finance Corporation ranks #1393 of 3,848 financial companies by CFPB complaint volume, with 90 complaints on record. It answers 95.6% of complaints on time — above the 93% median for companies with 100+ complaints.
- #1393
- of 3,848 companies by volume
- 95.6%
- answered on time
- Credit reporting or …
- most-complained product
- 6
- states with complaints
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2017 | 3 |
| 2018 | 13 |
| 2019 | 4 |
| 2020 | 4 |
| 2021 | 1 |
| 2022 | 6 |
| 2023 | 2 |
| 2024 | 10 |
| 2025 | 28 |
| 2026 | 19 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Toledo Finance Corporation
The CFPB Consumer Complaint Database has logged 90 complaints against Toledo Finance Corporation overall, with 39 of those filed in the trailing 12 months. Reports have come from consumers in 6 states and territories, making this a geographically concentrated complaint footprint. The single largest complaint category is "Credit reporting or other personal consumer reports," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Within that category, the most frequently cited specific issue is "Took or threatened to take negative or legal action" — a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Toledo Finance Corporation's timely response rate stands at 95.6%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Of complaints that were resolved, 0% closed with some form of monetary or non-monetary relief to the consumer.
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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
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 Toledo Finance Corporation have?
Toledo Finance Corporation has 90 total consumer complaints filed with the CFPB, with 39 filed in the last 12 months.
Does Toledo Finance Corporation respond to complaints on time?
Toledo Finance Corporation has a 95.6% timely response rate to CFPB complaints. This is considered excellent.
What product generates the most complaints for Toledo Finance Corporation?
The most complained-about product for Toledo Finance Corporation is "Credit reporting or other personal consumer reports." You can view the full product breakdown on this page.
What is the most common complaint issue with Toledo Finance Corporation?
The most common issue reported by consumers about Toledo Finance Corporation is "Took or threatened to take negative or legal action." All complaint issues are listed above with their counts.
How do I file a complaint against Toledo Finance Corporation?
You can file a complaint against Toledo Finance Corporation 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 Toledo Finance Corporation?
Consumers in 6 states and territories have filed complaints about Toledo Finance Corporation with the CFPB.
Consumer Credit Guides
Related Data
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology — how this data is sourced, computed, and verified.