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

CFPB complaint data Grade C 21 complaints

Main Street Personal Finance - Debt Collector Complaint Profile

CFPB complaint profile across 8 states, reputation grade C.

Complaints by issue type

What consumers report about Main Street Personal Finance

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

C

Grade C · 63.5/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of C: Main Street Personal Finance ranks ahead of 54% of the 5,283 collectors PlainCollector grades - 46% keep a cleaner CFPB record, on 21 all-time complaints and a 71% timely-response rate.

54th pct
reputation rank of 5,283 graded collectors
21
CFPB complaints, all-time
71%
answered inside the CFPB window
0
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Main Street Personal Finance?

Main Street Personal Finance has accumulated 21 total CFPB complaints across 8 states, with 0 filed in the most recent 12 months against 21 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Took or threatened to take negative or legal action", narrowing to "Threatened to arrest you or take you to jail if you do not pay". The company posts a 71% timely-response rate against a 0% consumer-dispute-after-response rate.

Complaints have been recorded across 8 states, led by Michigan with 9 and Alabama with 3. Normalized against the full CFPB collector database, the reputation score of 63.5/100 places Main Street Personal Finance in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

21

low-volume (CCDB)

Last 12 months

0

0.0% of all-time complaints

Falling ↓

States active

8

regional footprint

Timely response rate

71%

below sla band

Consumer disputes

0%

low (vertical avg ~19%)

Reputation grade

C

63.5/100 composite

How does Main Street Personal Finance's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

63 54th percentile higher than 54% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). Below this entry. 60–70: 1,364 graded collectors (26%). This entry sits in this band. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Main Street Personal Finance versus the debt-collection vertical average.

Timely response within SLA 71.4%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 0.0%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 14.3%

Share of US states + territories with at least one filed complaint against this collector.

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, drawn from 10 collectors with a comparable complaint count
Main Street Personal F… National average
Complaints (last 12 mo)lower is better
0
0
268
Timely-response ratehigher is better
71%
5%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2018-01 2020-06

Issue Detail Breakdown

Issue Sub-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.

Top states by complaints against Main Street Personal Finance

Across 8 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Main Street Personal Finance contacts you

A grade of C signals how Main Street Personal Finance's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Main Street Personal Finance and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Main Street Personal Finance ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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: 63.5/100), 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).

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

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.