SPRUCE FIN on a credit report: Spruce Finance
SPRUCE FIN is Spruce Finance, a lender.
The CFPB files its complaints under Kilowatt Financial, LLC, A Spruce Finance Company.
Complaints to the CFPB about Kilowatt Financial, LLC, A Spruce Finance
The CFPB has received 52 complaints filed under Kilowatt Financial, LLC, A Spruce Finance Company (all its accounts, not only SPRUCE FIN), 5 of them in the 12 months to October 9, 2026 with the latest on April 3, 2026, and the company answered 83% on time. [1]
The CFPB publishes complaints without confirming the facts in them.
| Most common issue | Complaints | Share |
|---|---|---|
| Attempts to collect debt not owed | 7 | 13% |
| Problem when making payments | 7 | 13% |
| Incorrect information on your report | 5 | 10% |
| Charged fees or interest you didn't expect | 4 | 8% |
| False statements or representation | 3 | 6% |
Checking this account
Your report (free at AnnualCreditReport.com) shows Spruce Finance's address for this account; if something on it is wrong, dispute it with the bureau that shows it and with Spruce Finance.