What is the most common complaint against United Consumer Finance, Inc.?

The most common issue consumers report about United Consumer Finance, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 8 complaints filed with the CFPB.

Are complaints against United Consumer Finance, Inc. increasing or decreasing?

Complaints against United Consumer Finance, Inc. are falling. The company received 1 complaints in the last 12 months, showing improvement over prior periods.

What is United Consumer Finance, Inc.'s reputation grade?

United Consumer Finance, Inc. has a reputation grade of B (score: 63.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does United Consumer Finance, Inc. respond to consumer complaints?

United Consumer Finance, Inc. has a 100% timely response rate to CFPB complaints.

In how many states does United Consumer Finance, Inc. operate?

United Consumer Finance, Inc. has received CFPB complaints from consumers in 5 states, with the most complaints from Massachusetts (4 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

United Consumer Finance, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 5 states, reputation grade B.

Compiled by PlainCollector

Attempts to collect debt not owed

7
Written notification about debt

1

Data updated September 2026

CFPB complaint disposition

CCDB record united-consumer-finance-inc United Consumer Finance, Inc.

Grade B · 8 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #2763 · compose #1968

VOL 8
GRADE B
12MO 1
STATES 5
TIMELY 100%
ISSUE Attempts to collect debt n…
RANK #2,763
COMPOSE #1,968

Volume peers

Nearest volume peer: A+ Loans, Inc. (8 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

United Consumer Finance, Inc.'s 8 CFPB complaints sit next to A+ Loans, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

50.0% of United Consumer Finance, Inc.'s CFPB filings land in Massachusetts

High volume does not equal a clean composite: United Consumer Finance, Inc. is volume #2,763 but composite #1,968, while Massachusetts dominates the geography. Corpus placement method.

Dominant state: Massachusetts 50.0%; 4 of 8 filings · 5 states touched
Spike month: 2025-06 60.0%; 3 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #2,763 volume; #1,968 composite; Cleanest-composite ladder is 795 places better than volume

How does United Consumer Finance, Inc. compare to its peers?

How does United Consumer Finance, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

United Consumer Financ… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2020-03 2025-06

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	7
Written notification about debt	1

Where do complaints against United Consumer Finance, Inc. come from?

United Consumer Finance, Inc.'s own per-state count, not a national baseline.

Massachusetts

4
Connecticut

1
Georgia

1
Pennsylvania

1
South Carolina

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for United Consumer Finance, Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 8.

4 peers

Know your rights before responding to United Consumer Finance, Inc.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.