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Data / Consumer complaints / United PanAm Financial Corp.

United PanAm Financial Corp.: 1,165 CFPB consumer complaints in the last 3 years

United PanAm Financial Corp. drew 1,165 consumer complaints in the CFPB database in the three years to November 6, 2026, and 1,717 since 2013. The largest group, 586, was about credit reporting or other personal consumer reports, and the most common issue was “Incorrect information on your report” with 271. The company responded on time to 95.5% of the complaints, and 0.0% closed with monetary or other relief.

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

Watch this company's complaintsGet every credit reporting or other personal consumer reports companyGet credit reporting or other personal consumer reports in Florida
  • 1,165Complaints, last 3 years
  • 1,717Complaints, all years
  • 95.5%Responded on time
  • 0.0%Closed with relief
  • 8Products
  • Nov 1, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 6419
2025484
2024230
2023142
202299
202194
202048
201935
201851
201740
201629
201518
201421
20137

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

ProductComplaintsShare
Credit reporting or other personal consumer reports58650.3%
Vehicle loan or lease34529.6%
Debt collection22519.3%
Payday loan, title loan, personal loan, or advance loan40.3%
Credit card20.2%
Checking or savings account10.1%
Debt or credit management10.1%
Money transfer, virtual currency, or money service10.1%

Issues

IssueComplaintsShare
Incorrect information on your report27123.3%
Improper use of your report24621.1%
Repossession12410.6%
Problem with a company's investigation into an existing problem1048.9%
Managing the loan or lease837.1%
Attempts to collect debt not owed817%
Took or threatened to take negative or legal action645.5%
False statements or representation474%
Getting a loan or lease463.9%
Problems at the end of the loan or lease272.3%
Struggling to pay your loan181.5%
Communication tactics161.4%
Written notification about debt151.3%
Credit monitoring or identity theft protection services80.7%
Charged fees or interest you didn't expect20.2%
Problem with fraud alerts or security freezes20.2%
Threatened to contact someone or share information improperly20.2%
Unable to get your credit report or credit score20.2%
Fraud or scam10.1%
Getting a credit card10.1%
Identity theft protection or other monitoring services10.1%
Managing an account10.1%
Problem with a company's investigation into an existing issue10.1%
Problem with customer service10.1%
Problem with the payoff process at the end of the loan10.1%

How the company responded

Company responseComplaintsShare
Closed with explanation1,16499.9%
In progress10.1%

States

StateComplaintsShare
Florida20917.9%
Texas13311.4%
Georgia12410.6%
California746.4%
Pennsylvania585%
New Jersey514.4%
Alabama413.5%
North Carolina413.5%
Illinois383.3%
Virginia373.2%
Maryland332.8%
Ohio322.7%
South Carolina292.5%
New York252.1%
Louisiana211.8%
Arizona201.7%
Missouri201.7%
Nevada201.7%
Arkansas181.5%
Massachusetts171.5%
Tennessee171.5%
Connecticut131.1%
Michigan131.1%
Indiana121%
Colorado70.6%

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
November 1, 2026Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
October 30, 2026Vehicle loan or leaseProblems at the end of the loan or leaseClosed with explanationconsumerfinance.gov
October 29, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 24, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 24, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 22, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 21, 2026Vehicle loan or leaseIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 20, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 19, 2026Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
October 19, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
October 16, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 14, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
October 14, 2026Vehicle loan or leaseProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
October 13, 2026Vehicle loan or leaseGetting a loan or leaseClosed with explanationconsumerfinance.gov
October 13, 2026Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
October 12, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 9, 2026Vehicle loan or leaseIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 9, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 8, 2026Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
October 8, 2026Vehicle loan or leaseManaging the loan or leaseIn progressconsumerfinance.gov
October 8, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
October 7, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 7, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 7, 2026Vehicle loan or leaseIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 6, 2026Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
October 3, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 2, 2026Vehicle loan or leaseGetting a loan or leaseClosed with explanationconsumerfinance.gov
September 30, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
September 28, 2026Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
September 28, 2026Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
September 28, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 26, 2026Vehicle loan or leaseIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 26, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
September 23, 2026Vehicle loan or leaseGetting a loan or leaseClosed with explanationconsumerfinance.gov
September 23, 2026Vehicle loan or leaseGetting a loan or leaseClosed with explanationconsumerfinance.gov
September 22, 2026Vehicle loan or leaseManaging the loan or leaseClosed with explanationconsumerfinance.gov
September 22, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
September 22, 2026Vehicle loan or leaseManaging the loan or leaseClosed with explanationconsumerfinance.gov
September 21, 2026Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
September 21, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
September 19, 2026Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
September 17, 2026Vehicle loan or leaseManaging the loan or leaseClosed with explanationconsumerfinance.gov
September 16, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 15, 2026Vehicle loan or leaseStruggling to pay your loanClosed with explanationconsumerfinance.gov
September 14, 2026Vehicle loan or leaseManaging the loan or leaseClosed with explanationconsumerfinance.gov
September 14, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 12, 2026Vehicle loan or leaseManaging the loan or leaseClosed with explanationconsumerfinance.gov
September 10, 2026Vehicle loan or leaseIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 9, 2026Vehicle loan or leaseStruggling to pay your loanClosed with explanationconsumerfinance.gov
September 9, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.