Credit bureau · complaint record
Universal Finance complaints
Filed under Universal Finance, Inc.
Consumers have filed 9 complaints about Universal Finance since 2013, 1 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
- 9
- Last 12 months
- 1
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #418 of 566
Since January 2013
new vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: May 4, 2026
Most complained-about credit bureaus & report companies
Universal Finance complaints by month
The busiest month was January 2013 (1 complaint). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Universal Finance answered all time
- Closed with monetary relief111.1%
- Closed with non-monetary relief111.1%
- Closed with explanation777.8%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Universal Finance complaints are about
Top Universal Finance problems
Inside "Incorrect information on your report"
- Account status incorrect 1
- Account information incorrect 1
- Personal information incorrect 1
Where Universal Finance complaints come from
Most complaints: California (4), North Carolina (3), Ohio (1), South Carolina (1).
Universal 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 | Universal FinanceCredit reporting | - | 1 | - |
Compare side by side: Universal Finance vs Apple Financing · Universal Finance vs Nav Technologies · Universal Finance vs Opportunity Fund · Universal Finance vs Heritage Financial Group
What people say about Universal Finance
All experiencesNo experiences with Universal Finance yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Universal Finance complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| May 4, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Aug 16, 2022 | Credit reporting | Incorrect information on your reportPersonal information incorrect | Explained |
| Jun 14, 2019 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Dec 5, 2017 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Sep 25, 2017 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Aug 24, 2016 | Payday & personal loans | Can't contact lender | Explained |
| Nov 21, 2014 | Payday & personal loans | Managing the loan or lease | Money back |
| Jan 27, 2014 | Debt collection | Improper contact or sharing of infoTalked to a third party about my debt | Fixed |
| Jan 14, 2013 | Auto loans & leases | Managing the loan or lease | Explained |
Questions about Universal Finance
How many complaints does Universal Finance have?
Universal Finance has 9 complaints on record since January 2013, including 1 in the last 12 months and 0 in the last 30 days. That makes it number 3,042 of every company by complaints this year.
Does Universal Finance respond to complaints?
Yes. Universal 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 Universal Finance?
The most common problems are incorrect information on your report (3), managing the loan or lease (2), took or threatened to take negative or legal action (1).
Is Universal Finance legit?
Universal Finance is a real company with a public complaint record: consumers have complained about it 9 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Universal Finance legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Universal Finance?
Complain to Universal 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 Universal Finance complaints come from?
Most come from California (4), North Carolina (3), Ohio (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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