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

Data updated July 2026

B

Grade B · 75.9/100 composite

This collector has a good complaint record with relatively few complaints and responsive customer service.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of B: Houston Finance Co. ranks ahead of 79% of the 5,283 collectors PlainCollector grades - 21% keep a cleaner CFPB record, on 10 all-time complaints and a 86% timely-response rate.

79th pct
reputation rank of 5,283 graded collectors
10
CFPB complaints, all-time
86%
answered inside the CFPB window
7
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Houston Finance Co.?

Houston Finance Co. has accumulated 10 total CFPB complaints across 1 states, with 7 filed in the most recent 12 months against 3 historical complaints before that window. The trailing-12-month volume represents 70.0% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.

The dominant consumer grievance logged with the CFPB is "Took or threatened to take negative or legal action", narrowing to "Threatened or suggested your credit would be damaged". The company posts a 86% timely-response rate against a 0% consumer-dispute-after-response rate.

Complaints have been recorded across 1 states, led by Texas with 10. Normalized against the full CFPB collector database, the reputation score of 75.9/100 places Houston Finance Co. in grade band B.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

10

low-volume (CCDB)

Last 12 months

7

70.0% of all-time complaints

Rising ↑

States active

1

limited footprint

Timely response rate

86%

acceptable band

Consumer disputes

0%

low (vertical avg ~19%)

Reputation grade

B

75.9/100 composite

How does Houston Finance Co.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

76 Top 21% higher than 79% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). Below this entry. 60–70: 1,364 graded collectors (26%). Below this entry. 70–80: 871 graded collectors (16%). This entry sits in this band. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Houston Finance Co. versus the debt-collection vertical average.

Timely response within SLA 85.7%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 0.0%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 1.8%

Share of US states + territories with at least one filed complaint against this collector.

How does Houston Finance Co. compare to its peers?

How does Houston Finance Co. compare? Versus a similar-volume peer and the national average, 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.

Complaint Trend (24 months)

2014-01 2026-01

Issue Detail Breakdown

Issue Sub-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

What to do if Houston Finance Co. contacts you

A grade of B signals how Houston Finance Co.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Houston Finance Co. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Houston Finance Co. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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: 75.9/100), 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).

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

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, more than 1,139,000 debt collection complaints have been logged nationwide as of July 2026. 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.