Credit bureau · complaint record
Excel Finance complaints
Filed under EXCEL FINANCE COMPANY
Consumers have filed 25 complaints about Excel Finance since 2018, 7 of them in the last 12 months. It answered 100% on time and closed 0% with relief for the customer. The most common problem is incorrect information on your report.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 25
- Last 12 months
- 7
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #229 of 566
Since February 2018
new vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Oct 5, 2026
Most complained-about credit bureaus & report companies
Excel Finance complaints by month
The busiest month was February 2018 (2 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Excel Finance answered all time
- Closed with monetary relief14%
- Closed with explanation2496%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Excel Finance complaints are about
Top Excel Finance problems
Inside "Improper use of your report"
- Reporting company used your report improperly 3
- Credit inquiries on your report that you don't recognize 2
Excel Finance compared with other credit bureaus & report companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Apple FinancingCredit reporting | 57 | 28 | C |
| 2 | Nav TechnologiesCredit reporting | 55 | 28 | C |
| 3 | Opportunity FundCredit reporting | 51 | 27 | C |
| 4 | Heritage Financial GroupCredit reporting | 0 | 27 | F |
| 5 | Informative ResearchCredit reporting | 60 | 26 | C |
| 6 | Pennsylvania Housing Finance AgencyCredit reporting | 56 | 25 | C |
| 7 | King of Credit FinancialCredit reporting | 10 | 25 | F |
| 8 | Excel FinanceCredit reporting | - | 7 | - |
Compare side by side: Excel Finance vs Apple Financing · Excel Finance vs Nav Technologies · Excel Finance vs Opportunity Fund · Excel Finance vs Heritage Financial Group
What people say about Excel Finance
All experiencesNo experiences with Excel Finance yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Excel Finance complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 5, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Sep 3, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Aug 17, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| May 26, 2026 | Debt collection | Threatened to contact someone or share information improperlyContacted you after you asked them to stop | Explained |
| May 4, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Feb 19, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Feb 5, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Oct 23, 2025 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Sep 23, 2025 | Credit reporting | Problem with a company's investigation into an existing problemInvestigation took more than 30 days | Explained |
| Mar 27, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jan 22, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Jan 19, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
Questions about Excel Finance
How many complaints does Excel Finance have?
Excel Finance has 25 complaints on record since February 2018, including 7 in the last 12 months and 0 in the last 30 days. That makes it number 1,664 of every company by complaints this year.
Does Excel Finance respond to complaints?
Yes. Excel Finance answered 100% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only.
What do people complain about most with Excel Finance?
The most common problems are incorrect information on your report (4), took or threatened to take negative or legal action (2), threatened to contact someone or share information improperly (1).
Is Excel Finance legit?
Excel Finance is a real company with a public complaint record: consumers have complained about it 25 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Excel Finance legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Excel Finance?
Complain to Excel Finance in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Excel Finance complaints come from?
Most come from Texas (17), Louisiana (6), New Mexico (1). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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