Model Finance Company
46 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
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 |
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 CFPB Consumer Complaint Database
What the CFPB Record Shows About Model Finance Company
Model Finance Company's 46 logged complaints stay concentrated: only 9 states show a filing on record. 45.7% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - 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.
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.
Frequently Asked Questions
How many CFPB complaints does Model Finance Company have?
46, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Model Finance Company respond to complaints on time?
65.2% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Model Finance Company?
"Improper use of your report", filed under the "Credit reporting or other personal consumer reports" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.