Credit bureau · complaint record
Viva Finance complaints
Filed under Viva Finance Inc.
Consumers have filed 122 complaints about Viva Finance since 2022, 56 of them in the last 12 months (+17% on the year before). It answered 98.2% on time and closed 0% with relief for the customer - less often than a typical credit bureau. The most common problem is incorrect information on your report.
Weak response record. How it works
- Complaints on record
- 122
- Last 12 months
- 56
- Answered on time
- 98.2%
- Closed with relief
- 0%
- Last 30 days
- 3
- Rank
- #93 of 566
Since September 2022
+17% vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Oct 30, 2026
Most complained-about credit bureaus & report companies
Viva Finance complaints by month
The busiest month was August 2025 (8 complaints). Complaints in the last 12 months are up 17% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Viva Finance answered last 12 months
- Closed with explanation56100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time37/4598.2% on time
- Relief for customers0/400% closed with relief
- Complaint trend8/15+17% vs last year
What Viva Finance complaints are about
Top Viva Finance problems last 12 months
Inside "Incorrect information on your report"
- Account status incorrect 20
- Account information incorrect 10
- Information belongs to someone else 10
- Personal information incorrect 1
- Old information reappears or never goes away 1
Where Viva Finance complaints come from
Most complaints: Georgia (35), Florida (28), Texas (13), Illinois (8), California (6).
Viva Finance compared with other credit bureaus & report companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Automotive CreditCredit reporting | 15 | 61 | F |
| 2 | Eagle Financial ServicesCredit reporting | 52 | 59 | C |
| 3 | Lentegrity ManagementCredit reporting | 46 | 58 | D |
| 4 | Viva FinanceCredit reporting | 45 | 56 | D |
| 5 | Verisk AnalyticsCredit reporting | 60 | 52 | C |
| 6 | AcxiomCredit reporting | 46 | 51 | D |
| 7 | AppFolioCredit reporting | 12 | 50 | F |
| 8 | Advantage CreditCredit reporting | 60 | 50 | C |
Compare side by side: Viva Finance vs Automotive Credit · Viva Finance vs Eagle Financial Services · Viva Finance vs Lentegrity Management · Viva Finance vs Verisk Analytics
What people say about Viva Finance
All experiencesNo experiences with Viva Finance yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Viva Finance complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 30, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Oct 28, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Oct 24, 2026 | Credit reporting | Problem with a company's investigation into an existing problemProblem with personal statement of dispute | Explained |
| Oct 16, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Oct 9, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Sep 30, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Sep 24, 2026 | Payday & personal loans | Problem when making payments | Explained |
| Sep 22, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 9, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 1, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Aug 27, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Aug 25, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
Questions about Viva Finance
How many complaints does Viva Finance have?
Viva Finance has 122 complaints on record since September 2022, including 56 in the last 12 months and 3 in the last 30 days. That makes it number 641 of every company by complaints this year.
Does Viva Finance respond to complaints?
Yes. Viva Finance answered 98.2% 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. Its Response Score is 45/100 (grade D).
What do people complain about most with Viva Finance?
The most common problems are incorrect information on your report (42), improper use of your report (34), attempts to collect debt not owed (12).
Is Viva Finance legit?
Viva Finance is a real company with a public complaint record: consumers have complained about it 122 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Viva Finance legit? for the signals, red flags and how to protect yourself.
Are complaints about Viva Finance going up or down?
Up. There were 56 complaints in the last 12 months against 48 in the 12 before (+17%). See every month.
How do I file a complaint against Viva Finance?
Complain to Viva 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 Viva Finance complaints come from?
Most come from Georgia (35), Florida (28), Texas (13). 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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