In built camera meters are very easy to fool.. Usually strong backlighting is the main culprit.. If you meter for a subject which is strongly backlit and rely souly on your meter there is every chance your subject will be underexposed.. Experience will tell you to overexpose to what your meter tells you by 1 to 2 stops.. On the other side of the coin if you meter say an African-American skin tone against a black background your exposure will be overexposed by about 1-2 stops..
All meters are calibrated to read what is call 18% Reflectance Grey,, for all intents and purposes a midtone grey irrespective of what colour the subject is,, usually.. Strong reds can effect the metering..
Thats the advantage of shooting in Manual Mode and being able to guestimate where your meter should lie.. Spot meters are quite accurate where you meter exactly the subect.. Incident meters are even more accurate where you meter the light falling on the subject not the light thats being reflected.. Spot and Incident meters are both available in flash and available light meters.. Many of the topshelf models measure both..