What is the most common complaint against Main Street Personal Finance?

The most common issue consumers report about Main Street Personal Finance is "Took or threatened to take negative or legal action", specifically "Threatened to arrest you or take you to jail if you do not pay". This is based on 21 complaints filed with the CFPB.

Are complaints against Main Street Personal Finance increasing or decreasing?

Complaints against Main Street Personal Finance are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Main Street Personal Finance's reputation grade?

Main Street Personal Finance has a reputation grade of C (score: 59.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Main Street Personal Finance respond to consumer complaints?

Main Street Personal Finance has a 71% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Main Street Personal Finance operate?

Main Street Personal Finance has received CFPB complaints from consumers in 8 states, with the most complaints from Michigan (9 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Main Street Personal Finance - Debt Collector Complaint Profile

CFPB complaint profile across 8 states, reputation grade C.

Compiled by PlainCollector

Took or threatened to take negative or legal action

5
Communication tactics

3
Threatened to contact someone or share information improperly

3
Taking/threatening an illegal action

3
Attempts to collect debt not owed

2
Cont'd attempts collect debt not owed

2

Data updated September 2026

CFPB complaint disposition

CCDB record main-street-personal-finance Main Street Personal Finance

Grade C · 21 CFPB filings · 71% timely · lead issue: Took or threatened to take negative or legal action · vol #1860 · compose #2426

VOL 21
GRADE C
12MO 0
STATES 8
TIMELY 71%
DISPUTE 0%
ISSUE Took or threatened to take…
RANK #1,860
COMPOSE #2,426

Volume peers

Nearest volume peer: A & E Futures LLC (21 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Main Street Personal Finance's 21 CFPB complaints sit next to A & E Futures LLC on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

42.9% of Main Street Personal Finance's CFPB filings land in Michigan

High volume does not equal a clean composite: Main Street Personal Finance is volume #1,860 but composite #2,426, while Michigan dominates the geography. Corpus placement method.

Dominant state: Michigan 42.9%; 9 of 21 filings · 8 states touched
Spike month: 2018-01 25.0%; 1 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #1,860 volume; #2,426 composite; Cleanest-composite ladder is 566 places worse than volume

How does Main Street Personal Finance compare to its peers?

How does Main Street Personal Finance compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Main Street Personal F… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

71%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2018-01 2020-06

Issue Detail Breakdown

Issue	Complaints
Took or threatened to take negative or legal action	5
Communication tactics	3
Threatened to contact someone or share information improperly	3
Taking/threatening an illegal action	3
Attempts to collect debt not owed	2
Cont'd attempts collect debt not owed	2
Improper contact or sharing of info	2
False statements or representation	1

Where do complaints against Main Street Personal Finance come from?

Main Street Personal Finance's own per-state count, not a national baseline.

Michigan

9
Alabama

3
Mississippi

3
Virginia

2
Louisiana

1
Oklahoma

1
South Carolina

1
Tennessee

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Main Street Personal Finance: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 21.

4 peers

Know your rights before responding to Main Street Personal Finance: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.