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

CFPB complaint data Grade D 7 complaints

Sir Finance Corp - Debt Collector Complaint Profile

CFPB complaint profile across 3 states, reputation grade D.

Complaints by issue type

What consumers report about Sir Finance Corp

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 56.9/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

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

The verdict

A reputation grade of D: Sir Finance Corp ranks ahead of 31% of the 5,283 collectors PlainCollector grades - 69% keep a cleaner CFPB record, on 7 all-time complaints and a 60% timely-response rate.

31st pct
reputation rank of 5,283 graded collectors
7
CFPB complaints, all-time
60%
answered inside the CFPB window
4
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 Sir Finance Corp?

Sir Finance Corp has accumulated 7 total CFPB complaints across 3 states, with 4 filed in the most recent 12 months against 3 historical complaints before that window. The trailing-12-month volume represents 57.1% 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 "Written notification about debt", narrowing to "Sued you without properly notifying you of lawsuit". The company posts a 60% timely-response rate.

Complaints have been recorded across 3 states, led by Wisconsin with 4 and Illinois with 2. Normalized against the full CFPB collector database, the reputation score of 56.9/100 places Sir Finance Corp in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

7

low-volume (CCDB)

Last 12 months

4

57.1% of all-time complaints

Rising ↑

States active

3

limited footprint

Timely response rate

60%

below sla band

Reputation grade

D

56.9/100 composite

How does Sir Finance Corp's reputation rank nationally?

Reputation score vs. every graded collector

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

57 31st percentile higher than 31% 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%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 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

Sir Finance Corp versus the debt-collection vertical average.

Timely response within SLA 60.0%
Vertical avg

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

State coverage breadth 5.4%

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

How does Sir Finance Corp compare to its peers?

How does Sir Finance Corp compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Sir Finance Corp National average
Complaints (last 12 mo)lower is better
4
0
268
Timely-response ratehigher is better
60%
0%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2016-09 2026-01

Issue Detail Breakdown

Issue Sub-Issue Complaints
Written notification about debt - 2
Took or threatened to take negative or legal action - 2
False statements or representation - 2
Attempts to collect debt not owed - 1

Where do complaints against Sir Finance Corp come from?

Sir Finance Corp's own per-state count, not a national baseline.

Top states by complaints against Sir Finance Corp

Across 3 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Sir Finance Corp contacts you

A grade of D signals how Sir Finance Corp'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 Sir Finance Corp 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 Sir Finance Corp 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 Sir Finance Corp? ▼

The most common issue consumers report about Sir Finance Corp is "Written notification about debt", specifically "Sued you without properly notifying you of lawsuit". This is based on 7 complaints filed with the CFPB.

Are complaints against Sir Finance Corp increasing or decreasing? ▼

Complaints against Sir Finance Corp are rising. The company received 4 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Sir Finance Corp's reputation grade? ▼

Sir Finance Corp has a reputation grade of D (score: 56.9/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Sir Finance Corp respond to consumer complaints? ▼

Sir Finance Corp has a 60% timely response rate to CFPB complaints.

In how many states does Sir Finance Corp operate? ▼

Sir Finance Corp has received CFPB complaints from consumers in 3 states, with the most complaints from Wisconsin (4 complaints).

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

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.