Data / Consumer complaints / Harpeth Financial Services, LLC
Harpeth Financial Services, LLC: 444 CFPB consumer complaints in the last 3 years
Harpeth Financial Services, LLC drew 444 consumer complaints in the CFPB database in the three years to November 6, 2026, and 829 since 2013. The largest group, 258, was about payday loan, title loan, personal loan, or advance loan, and the most common issue was “Charged fees or interest you didn't expect” with 90. The company responded on time to 98.0% of the complaints, and 0.0% closed with monetary or other relief.
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- 444Complaints, last 3 years
- 829Complaints, all years
- 98.0%Responded on time
- 0.0%Closed with relief
- 8Products
- Nov 3, 2026Latest received
Complaints by year
Every year the CFPB database holds for this company, by the date received.
| Year | Complaints |
|---|---|
| 2026, to Nov 6 | 206 |
| 2025 | 166 |
| 2024 | 68 |
| 2023 | 50 |
| 2022 | 30 |
| 2021 | 42 |
| 2020 | 73 |
| 2019 | 58 |
| 2018 | 53 |
| 2017 | 41 |
| 2016 | 23 |
| 2015 | 14 |
| 2014 | 4 |
| 2013 | 1 |
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.
| Product | Complaints | Share |
|---|---|---|
| Payday loan, title loan, personal loan, or advance loan | 258 | 58.1% |
| Debt collection | 114 | 25.7% |
| Credit reporting or other personal consumer reports | 60 | 13.5% |
| Credit card | 4 | 0.9% |
| Checking or savings account | 3 | 0.7% |
| Debt or credit management | 3 | 0.7% |
| Money transfer, virtual currency, or money service | 1 | 0.2% |
| Prepaid card | 1 | 0.2% |
Issues
| Issue | Complaints | Share |
|---|---|---|
| Charged fees or interest you didn't expect | 90 | 20.3% |
| Struggling to pay your loan | 61 | 13.7% |
| Incorrect information on your report | 49 | 11% |
| Attempts to collect debt not owed | 43 | 9.7% |
| Problem when making payments | 27 | 6.1% |
| Took or threatened to take negative or legal action | 23 | 5.2% |
| Problem with the payoff process at the end of the loan | 19 | 4.3% |
| False statements or representation | 17 | 3.8% |
| Communication tactics | 13 | 2.9% |
| Problem with a company's investigation into an existing problem | 12 | 2.7% |
| Can't stop withdrawals from your bank account | 10 | 2.3% |
| Problem with cash advance | 10 | 2.3% |
| Written notification about debt | 9 | 2% |
| Getting a line of credit | 8 | 1.8% |
| Received a loan you didn't apply for | 7 | 1.6% |
| Improper use of your report | 6 | 1.4% |
| Threatened to contact someone or share information improperly | 6 | 1.4% |
| Problem with additional add-on products or services | 5 | 1.1% |
| Issues with repayment | 4 | 0.9% |
| Electronic communications | 3 | 0.7% |
| Can't contact lender or servicer | 2 | 0.5% |
| Problem with a lender or other company charging your account | 2 | 0.5% |
| Unauthorized withdrawals or charges | 2 | 0.5% |
| Was approved for a loan, but didn't receive the money | 2 | 0.5% |
| Closing your account | 1 | 0.2% |
How the company responded
| Company response | Complaints | Share |
|---|---|---|
| Closed with explanation | 444 | 100% |
States
| State | Complaints | Share |
|---|---|---|
| Tennessee | 91 | 20.5% |
| Florida | 88 | 19.8% |
| Texas | 39 | 8.8% |
| Missouri | 26 | 5.9% |
| Ohio | 25 | 5.6% |
| South Carolina | 21 | 4.7% |
| Wisconsin | 16 | 3.6% |
| Michigan | 13 | 2.9% |
| Arizona | 10 | 2.3% |
| Delaware | 10 | 2.3% |
| Indiana | 10 | 2.3% |
| California | 9 | 2% |
| Georgia | 9 | 2% |
| Kansas | 9 | 2% |
| Oklahoma | 8 | 1.8% |
| Utah | 7 | 1.6% |
| Alabama | 6 | 1.4% |
| Louisiana | 6 | 1.4% |
| Mississippi | 5 | 1.1% |
| Kentucky | 4 | 0.9% |
| Virginia | 4 | 0.9% |
| Idaho | 3 | 0.7% |
| Nevada | 3 | 0.7% |
| Washington | 3 | 0.7% |
| Arkansas | 2 | 0.5% |
Latest 50 complaints
Newest first. Each row links to the complaint's record in the CFPB database.
| Received | Product | Issue | Company response | Source |
|---|---|---|---|---|
| November 3, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| October 28, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| October 21, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| October 20, 2026 | Payday loan, title loan, personal loan, or advance loan | Can't stop withdrawals from your bank account | Closed with explanation | consumerfinance.gov |
| October 16, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| October 14, 2026 | Payday loan, title loan, personal loan, or advance loan | Struggling to pay your loan | Closed with explanation | consumerfinance.gov |
| October 14, 2026 | Debt collection | False statements or representation | Closed with explanation | consumerfinance.gov |
| October 11, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| October 11, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| October 8, 2026 | Debt collection | Threatened to contact someone or share information improperly | Closed with explanation | consumerfinance.gov |
| October 3, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| October 3, 2026 | Debt collection | False statements or representation | Closed with explanation | consumerfinance.gov |
| October 2, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| October 2, 2026 | Payday loan, title loan, personal loan, or advance loan | Struggling to pay your loan | Closed with explanation | consumerfinance.gov |
| October 2, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with additional add-on products or services | Closed with explanation | consumerfinance.gov |
| October 2, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| October 2, 2026 | Payday loan, title loan, personal loan, or advance loan | Struggling to pay your loan | Closed with explanation | consumerfinance.gov |
| October 2, 2026 | Payday loan, title loan, personal loan, or advance loan | Can't stop withdrawals from your bank account | Closed with explanation | consumerfinance.gov |
| October 2, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| October 1, 2026 | Debt collection | Threatened to contact someone or share information improperly | Closed with explanation | consumerfinance.gov |
| September 30, 2026 | Debt collection | Threatened to contact someone or share information improperly | Closed with explanation | consumerfinance.gov |
| September 30, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| September 30, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with the payoff process at the end of the loan | Closed with explanation | consumerfinance.gov |
| September 30, 2026 | Credit card | Problem when making payments | Closed with explanation | consumerfinance.gov |
| September 29, 2026 | Payday loan, title loan, personal loan, or advance loan | Struggling to pay your loan | Closed with explanation | consumerfinance.gov |
| September 25, 2026 | Payday loan, title loan, personal loan, or advance loan | Received a loan you didn't apply for | Closed with explanation | consumerfinance.gov |
| September 16, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| September 15, 2026 | Payday loan, title loan, personal loan, or advance loan | Problems receiving the advance | Closed with explanation | consumerfinance.gov |
| September 14, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| September 14, 2026 | Payday loan, title loan, personal loan, or advance loan | Can't contact lender or servicer | Closed with explanation | consumerfinance.gov |
| September 13, 2026 | Payday loan, title loan, personal loan, or advance loan | Struggling to pay your loan | Closed with explanation | consumerfinance.gov |
| September 10, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| September 10, 2026 | Payday loan, title loan, personal loan, or advance loan | Struggling to pay your loan | Closed with explanation | consumerfinance.gov |
| September 8, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| September 8, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| September 5, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| September 3, 2026 | Debt collection | Communication tactics | Closed with explanation | consumerfinance.gov |
| September 1, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with cash advance | Closed with explanation | consumerfinance.gov |
| August 31, 2026 | Debt collection | False statements or representation | Closed with explanation | consumerfinance.gov |
| August 31, 2026 | Payday loan, title loan, personal loan, or advance loan | Struggling to pay your loan | Closed with explanation | consumerfinance.gov |
| August 28, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with cash advance | Closed with explanation | consumerfinance.gov |
| August 25, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| August 22, 2026 | Payday loan, title loan, personal loan, or advance loan | Struggling to pay your loan | Closed with explanation | consumerfinance.gov |
| August 22, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| August 21, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| August 19, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| August 18, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| August 17, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| August 17, 2026 | Debt collection | Written notification about debt | Closed with explanation | consumerfinance.gov |
| August 15, 2026 | Payday loan, title loan, personal loan, or advance loan | Struggling to pay your loan | Closed with explanation | consumerfinance.gov |
Also on SpecStream
- Every company with Payday loan, title loan, personal loan, or advance loan complaints
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- Every company with Credit reporting or other personal consumer reports complaints
- Every company with Credit card complaints
- Consumer complaints in Tennessee
- Consumer complaints in Florida
- Consumer complaints in Texas
- All consumer complaints
Updated November 7, 2026. Read from CFPB Consumer Complaint Database. 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.