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

CFPB complaint data Grade B 10 complaints

Houston Finance Co. - Debt Collector Complaint Profile

CFPB complaint profile across 1 states, reputation grade B.

Complaints by issue type

What consumers report about Houston Finance Co.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 10
  • GRADE B
  • 12MO 7
  • STATES 1
  • TIMELY 86%
  • DISPUTE 0%
  • ISSUE Took or threatened to take…
  • RANK #2,503
  • COMPOSE Not ranked

Volume peers

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

208 Capital Holdings LLC208 Capital Holdings LLC10Adesa CorporationAdesa Corporation10Allied Capital Management, Inc.Allied Capital Management, I…10Allied Financial Group & Associates (Closed)Allied Financial Group & Ass…10Houston Finance Co. (this)Houston Finance Co. (this)10
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 →

How the 10 complaints break down

Every complaint issue type on record for Houston Finance Co., not just the top ones shown above.

Reputation score breakdown

B
Composite reputation score
70.4/100
Houston Finance Co.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume C
10
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
86%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
0%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

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

Concentration is computed from this collector's company_states rows only, not a national baseline. 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
Corpus ranks
#2,503 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

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
7
1
268
Timely-response ratehigher is better
86%
100%
91%
Consumer-dispute ratelower is better
0%
17%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Houston Finance Co. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 9 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 0%50%100%150% 0%20%40%60%80% Timely response rate (%) Dispute rate (%) Houston Finance Co. vs. 8 similar-volume peers, by response speed and dispute rate Houston Finance Co.Harvest Credit Management VII, LLCHarmon Law Offices, P.C.Insikt, Inc.HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCHInternal Check Systems, LLCGLENN ASSOCIATES MID-ATLANTIC, INCJormandy, LLCLaw Office of Charles G. McCarthy Jr. & Assoc.
Source: CFPB Consumer Complaint Database

Houston Finance Co.'s complaint volume in context

Houston Finance Co. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

10 54th percentile higher than 54% of 5,420 collectors

0–20: 3,504 collectors (65%). This entry sits in this band. 20–40: 565 collectors (10%). Above this entry. 40–60: 260 collectors (5%). Above this entry. 60–80: 163 collectors (3%). Above this entry. 80–100: 112 collectors (2%). Above this entry. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Houston Finance Co. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
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.

Top states by complaints against Houston Finance Co.

Across 1 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.