What is the most common complaint against Houston Finance Co.?

The most common issue consumers report about Houston Finance Co. is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 10 complaints filed with the CFPB.

Are complaints against Houston Finance Co. increasing or decreasing?

Complaints against Houston Finance Co. are rising. The company received 7 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Houston Finance Co.'s reputation grade?

Houston Finance Co. has a reputation grade of B (score: 70.4/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Houston Finance Co. respond to consumer complaints?

Houston Finance Co. has a 86% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Houston Finance Co. operate?

Houston Finance Co. has received CFPB complaints from consumers in 1 states, with the most complaints from Texas (10 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Houston Finance Co. - Debt Collector Complaint Profile

CFPB complaint profile across 1 states, reputation grade B.

Compiled by PlainCollector

Took or threatened to take negative or legal action

7
Attempts to collect debt not owed

2
Cont'd attempts collect debt not owed

1

Data updated September 2026

CFPB complaint disposition

CCDB record houston-finance-co Houston Finance Co.

Grade B · 10 CFPB filings · 86% timely · lead issue: Took or threatened to take negative or legal action · vol #2503 · compose #1296

VOL 10
GRADE B
12MO 7
STATES 1
TIMELY 86%
DISPUTE 0%
ISSUE Took or threatened to take…
RANK #2,503
COMPOSE #1,296

Volume peers

Nearest volume peer: 208 Capital Holdings LLC (10 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Houston Finance Co.'s 10 CFPB complaints sit next to 208 Capital Holdings LLC on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

100.0% of Houston Finance Co.'s CFPB filings land in Texas

High volume does not equal a clean composite: Houston Finance Co. is volume #2,503 but composite #1,296, while Texas dominates the geography. Corpus placement method.

Dominant state: Texas 100.0%; 10 of 10 filings · 1 states touched
Seasonal peak: 2020-09 8.3%; 8–15% band · 2 filings
Divergent corpus ranks: #2,503 volume; #1,296 composite; Cleanest-composite ladder is 1,207 places better than volume

How does Houston Finance Co. compare to its peers?

How does Houston Finance Co. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Houston Finance Co. National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

86%

100%

91%

Consumer-dispute ratelower is better

17%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-01 2026-01

Issue Detail Breakdown

Issue	Complaints
Took or threatened to take negative or legal action	7
Attempts to collect debt not owed	2
Cont'd attempts collect debt not owed	1

Where do complaints against Houston Finance Co. come from?

Houston Finance Co.'s own per-state count, not a national baseline.

Texas

10

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Houston Finance Co.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 10.

4 peers

Know your rights before responding to Houston Finance Co.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.