CFPB · Narrative-heavy record
Main Street Personal Finance
46 CFPB complaints · 47.8% with narratives · top issue Charged bank acct wrong day or amt.
Main Street Personal Finance: 47.8% of 46 filings include consumer narratives. Timely 54.3% · relief 2.2% · top product Debt collection. Allegations, not findings.
- Narrative-heavy record
- -83.3% filings 2014 to 2020
CFPB relief outcome brief
CCDB company main-street-personal-finance
2.2% relief · 54.3% timely · 46 filings · Debt collection
Same-product relief peers
Nearest relief peer: Asset Recovery Solutions, LLC (2.2% relief)
Main Street Personal Finance closes 2.2% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Main Street Personal Finance's 46 filings include narrative text
47.8% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Main Street Personal Finance complaint mix by product
- Debt collection 21 45.7% – 0% relief
- Payday loan 11 23.9% – 9% relief
- Payday loan, 8 17.4% – 0% relief
- Consumer Loan 5 10.9% – 0% relief
- Bank account 1 2.2% – 0% relief
How Main Street Personal Finance's 46 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 21 |
| Payday loan | 11 |
| Payday loan, title loan, or personal loan | 8 |
| Consumer Loan | 5 |
| Bank account or service | 1 |
Where Main Street Personal Finance complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- MI
- 23.9% of this company's filings
Main Street Personal Finance falling annual filings
Annual filing volume from the CFPB public database
- 2020
- 1
- -83.3% vs 2014
Top States
| State | Complaints |
|---|---|
| MI | 11 |
| OK | 8 |
| LA | 5 |
| AL | 4 |
| SC | 4 |
| IN | 3 |
| VA | 3 |
| MS | 3 |
| DC | 1 |
| TN | 1 |
| CA | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Charged bank acct wrong day or amt | 6 |
| Took or threatened to take negative or legal action | 5 |
| Charged fees or interest I didn't expect | 3 |
| Communication tactics | 3 |
| Taking/threatening an illegal action | 3 |
| Struggling to pay your loan | 3 |
| Threatened to contact someone or share information improperly | 3 |
| Problems when you are unable to pay | 2 |
| Lender repossessed or sold the vehicle | 2 |
| Cont'd attempts collect debt not owed | 2 |
| Improper contact or sharing of info | 2 |
| Attempts to collect debt not owed | 2 |
| Money was taken from your bank account on the wrong day or for the wrong amount | 2 |
| Making/receiving payments, sending money | 1 |
| Received a loan I didn't apply for | 1 |
| Can't contact lender | 1 |
| Payment to acct not credited | 1 |
| Can't contact lender or servicer | 1 |
| Loan payment wasn't credited to your account | 1 |
| False statements or representation | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2014 | 6 | 66.7% |
| 2015 | 8 | 12.5% |
| 2016 | 13 | 38.5% |
| 2017 | 3 | 100% |
| 2018 | 7 | 71.4% |
| 2019 | 8 | 87.5% |
| 2020 | 1 | 0% |
Source: CFPB Consumer Complaint Database
Main Street Personal Finance's narrative-rich complaint ledger
Main Street Personal Finance's 46 logged complaints stay concentrated: only 11 states show a filing. 47.8% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2014 through 2020-03-09.
Main Street Personal Finance answers 54.3% of complaints inside the CFPB's tracked window and closes 80.4% with a written explanation. 2.2% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Charged bank acct wrong day or amt."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Main Street Personal Finance.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Main Street Personal Finance: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 46.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 54.3%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Main Street Personal Finance (54.3% timely; 2.2% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record