CFPB Consumer Complaint Profile
United Consumer Finance, Inc.
What 57 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 57
- Total complaints
- Mid-range
- 10
- Last 12 months
- 98.2%
- Timely response
- Above median
- 10
- States affected
The verdict
United Consumer Finance, Inc. ranks #1717 of 3,843 financial companies by CFPB complaint volume, with 57 complaints on record. It posts a 98.2% on-time response rate, the 50th percentile among companies with 100+ complaints.
- #1717
- of 3,843 companies by volume
- 98.2%
- on time (50th pctile)
- Vehicle loan or lease
- most-complained product
- 10
- states with complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
United Consumer Finance, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
98.2% Higher than most higher than 50% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 2 |
| 2014 | 1 |
| 2016 | 2 |
| 2017 | 2 |
| 2018 | 2 |
| 2019 | 2 |
| 2020 | 4 |
| 2021 | 15 |
| 2022 | 5 |
| 2023 | 3 |
| 2024 | 6 |
| 2025 | 12 |
| 2026year in progress | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for United Consumer Finance, Inc.
The CFPB Consumer Complaint Database has logged 57 complaints against United Consumer Finance, Inc. overall, with 10 of those filed in the trailing 12 months. Reports have come from consumers in 10 states and territories, making this a geographically concentrated complaint footprint. No product draws more complaints than "Vehicle loan or lease," which sits at the top of the product breakdown. Inside that category, "Incorrect information on your report" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
United Consumer Finance, Inc.'s timely response rate stands at 98.2%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is at or above benchmark levels, a sign the company handles intake and escalation well. The company's response carried a 33.3% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, the consumer-relief closure rate is 1.8%.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does United Consumer Finance, Inc. have?
United Consumer Finance, Inc. has 57 total consumer complaints filed with the CFPB, with 10 filed in the last 12 months.
Does United Consumer Finance, Inc. respond to complaints on time?
CFPB complaints against United Consumer Finance, Inc. draw a 98.2% timely-response rate inside the expected window. This is considered excellent.
What product generates the most complaints for United Consumer Finance, Inc.?
"Vehicle loan or lease" draws more CFPB complaints against United Consumer Finance, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with United Consumer Finance, Inc.?
Consumers most often cite "Incorrect information on your report" when complaining about United Consumer Finance, Inc.; the full issue list with counts is above.
How do I file a complaint against United Consumer Finance, Inc.?
You can file a complaint against United Consumer Finance, Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about United Consumer Finance, Inc.?
United Consumer Finance, Inc. has drawn CFPB complaints from 10 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for United Consumer Finance, Inc.: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (33.3% here).
Also handles Vehicle loan or lease
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does United Consumer Finance, Inc. have?
United Consumer Finance, Inc. has 57 total consumer complaints filed with the CFPB, with 10 filed in the last 12 months.
Does United Consumer Finance, Inc. respond to complaints on time?
CFPB complaints against United Consumer Finance, Inc. draw a 98.2% timely-response rate inside the expected window. This is considered excellent.
What product generates the most complaints for United Consumer Finance, Inc.?
"Vehicle loan or lease" draws more CFPB complaints against United Consumer Finance, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with United Consumer Finance, Inc.?
Consumers most often cite "Incorrect information on your report" when complaining about United Consumer Finance, Inc.; the full issue list with counts is above.
How do I file a complaint against United Consumer Finance, Inc.?
You can file a complaint against United Consumer Finance, Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about United Consumer Finance, Inc.?
United Consumer Finance, Inc. has drawn CFPB complaints from 10 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.