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Data / Consumer complaints / Model Finance Company

Model Finance Company: 26 CFPB complaints, last 3 years

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Updated November 10, 2026. Source: CFPB Consumer Complaint Database.

Model Finance Company drew 26 consumer complaints in the CFPB database in the three years to November 9, 2026, and 47 since 2013. The largest group, 14, was about credit reporting or other personal consumer reports, and the most common issue was “Improper use of your report” with 9. The company responded on time to 42.3% of the complaints, and 11.5% closed with monetary or other relief.

The request: Watch Model Finance Company: each new CFPB complaint by product and issue, with the date and the company response.

Watch this company's complaintsGet every credit reporting or other personal consumer reports companyGet credit reporting or other personal consumer reports in Texas

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.

  • 26Complaints, last 3 years
  • 47Complaints, all years
  • 42.3%Responded on time
  • 11.5%Closed with relief
  • 4Products
  • Jul 13, 2026Latest received

Complaints by year

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

YearComplaints
2026, to Nov 94
202519
20243
20231
20211
20208
20193
20181
20174
20141
20132

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 reports1453.8%
Debt collection623.1%
Vehicle loan or lease519.2%
Payday loan, title loan, personal loan, or advance loan13.8%

Issues

IssueComplaintsShare
Improper use of your report934.6%
Incorrect information on your report311.5%
Repossession311.5%
Problem with a company's investigation into an existing problem27.7%
Threatened to contact someone or share information improperly27.7%
Took or threatened to take negative or legal action27.7%
Written notification about debt27.7%
Managing the loan or lease13.8%
Problem when making payments13.8%
Struggling to pay your loan13.8%

How the company responded

Company responseComplaintsShare
Closed with explanation1557.7%
Untimely response830.8%
Closed with non-monetary relief311.5%

States

StateComplaintsShare
Texas1453.8%
California519.2%
Georgia311.5%
Michigan13.8%
North Carolina13.8%
Pennsylvania13.8%
South Carolina13.8%

Latest 26 complaints

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

ReceivedProductIssueCompany responseSource
July 13, 2026Vehicle loan or leaseRepossessionUntimely responseconsumerfinance.gov
May 11, 2026Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov
April 10, 2026Debt collectionWritten notification about debtUntimely responseconsumerfinance.gov
February 16, 2026Credit reporting or other personal consumer reportsImproper use of your reportUntimely responseconsumerfinance.gov
December 15, 2025Debt collectionThreatened to contact someone or share information improperlyUntimely responseconsumerfinance.gov
December 5, 2025Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov
November 25, 2025Debt collectionThreatened to contact someone or share information improperlyUntimely responseconsumerfinance.gov
November 5, 2025Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemUntimely responseconsumerfinance.gov
August 20, 2025Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
August 6, 2025Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
August 5, 2025Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
June 23, 2025Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
June 23, 2025Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
May 19, 2025Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
May 10, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
April 24, 2025Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
April 20, 2025Credit reporting or other personal consumer reportsImproper use of your reportClosed with non-monetary reliefconsumerfinance.gov
April 7, 2025Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with non-monetary reliefconsumerfinance.gov
March 22, 2025Vehicle loan or leaseManaging the loan or leaseClosed with non-monetary reliefconsumerfinance.gov
March 18, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
March 9, 2025Vehicle loan or leaseStruggling to pay your loanClosed with explanationconsumerfinance.gov
March 4, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
February 18, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 24, 2024Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
September 10, 2024Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
March 18, 2024Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov

Also on SpecStream

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.

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