CFPB · Diversified product mix
Model Finance Company
46 CFPB complaints · diversified mix (top product 30.4%) · top issue Improper use of your report.
Model Finance Company: top product "Credit reporting or other personal consumer reports" is only 30.4% of 46 - multi-bucket mix. Timely 65.2% · relief 13%. Allegations, not findings.
- Diversified product mix
- +50% filings 2013 to 2026
CFPB relief outcome brief
CCDB company model-finance-company
13% relief · 65.2% timely · 46 filings · Credit reporting or other personal consumer reports
Same-product relief peers
Nearest relief peer: CARS Acquisition, LLC (12.9% relief)
Model Finance Company closes 13% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Model Finance Company scores strongest on relief provided (61/100 percentile-benchmarked) and weakest on timely response (39/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
61 / 100 percentile-benchmarked
13% of complaints closed with relief to the consumer
Timely response
39 / 100 percentile-benchmarked
65.2% of complaints answered inside the CFPB 15-day window
Closed with explanation
48 / 100 percentile-benchmarked
71.7% of complaints closed with an explanation to the consumer
Most of Model Finance Company's 46 filings include narrative text
45.7% 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.
Model Finance Company complaint mix by product
- Credit reporting 14 30.4% – 7% relief
- Debt collection 14 30.4% – 7% relief
- Credit reporting, 8 17.4% – 13% relief
- Vehicle loan 5 10.9% – 40% relief
- Consumer Loan 3 6.5% – 0% relief
- Student loan 1 2.2% – 0% relief
- Payday loan, 1 2.2% – 100% relief
How Model Finance Company's 46 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Credit reporting or other personal consumer reports | 14 |
| Debt collection | 14 |
| Credit reporting, credit repair services, or other personal consumer reports | 8 |
| Vehicle loan or lease | 5 |
| Consumer Loan | 3 |
| Student loan | 1 |
| Payday loan, title loan, personal loan, or advance loan | 1 |
Concentrated filing states for Model Finance Company
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 47.8% of this company's filings
Model Finance Company rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 3
- +50% vs 2013
Top States
| State | Complaints |
|---|---|
| TX | 22 |
| CA | 15 |
| GA | 3 |
| NC | 1 |
| PA | 1 |
| MI | 1 |
| SC | 1 |
| AR | 1 |
| FL | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Improper use of your report | 10 |
| Incorrect information on your report | 7 |
| Written notification about debt | 3 |
| Threatened to contact someone or share information improperly | 3 |
| Took or threatened to take negative or legal action | 3 |
| Attempts to collect debt not owed | 3 |
| Repossession | 2 |
| Struggling to pay your loan | 2 |
| Managing the loan or lease | 2 |
| Problem with a company's investigation into an existing problem | 2 |
| Problems when you are unable to pay | 2 |
| Unable to get your credit report or credit score | 2 |
| Dealing with your lender or servicer | 1 |
| Problem when making payments | 1 |
| Problem with a credit reporting company's investigation into an existing problem | 1 |
| Communication tactics | 1 |
| False statements or representation | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 2 | 50% |
| 2014 | 1 | 100% |
| 2017 | 4 | 100% |
| 2018 | 1 | 100% |
| 2019 | 3 | 100% |
| 2020 | 8 | 87.5% |
| 2021 | 1 | 100% |
| 2023 | 1 | 100% |
| 2024 | 3 | 100% |
| 2025 | 19 | 42.1% |
| 2026 | 3 | 0% |
Source: CFPB Consumer Complaint Database
Model Finance Company spreads across product buckets
Model Finance Company's 46 logged complaints stay concentrated: only 9 states show a filing. 45.7% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2013 through 2026-05-11.
Model Finance Company answers 65.2% of complaints inside the CFPB's tracked window and closes 71.7% with a written explanation. 13% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Credit reporting or other personal consumer reports" draws the most filings, most often for "Improper use of your report."
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 Model Finance Company.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Model Finance Company: 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: 65.2%.
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 Model Finance Company (65.2% timely; 13% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Diversified product mix