Yeah, I considered that as well, just thought my rant was long enough.
It doesn't matter because even a Padawan level Jedi/Sith would still be light years more advanced than Finn or Rey. IIRC, Obi-Wan was still technically a Padawan when he defeated Darth Maul. Anakin was a Padawan when he defeated Dooku. Granted, those guys were pretty close to being Jedi, but their training was probably not quite complete either.
Basically, "not complete" can mean anything from almost no training, to almost all of it. Given the type of stuff Snoke had him doing, I think he was closer to the latter.