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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.

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.

  • 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.

YearComplaints
2026, to Nov 6206
2025166
202468
202350
202230
202142
202073
201958
201853
201741
201623
201514
20144
20131

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.

Issues

IssueComplaintsShare
Charged fees or interest you didn't expect9020.3%
Struggling to pay your loan6113.7%
Incorrect information on your report4911%
Attempts to collect debt not owed439.7%
Problem when making payments276.1%
Took or threatened to take negative or legal action235.2%
Problem with the payoff process at the end of the loan194.3%
False statements or representation173.8%
Communication tactics132.9%
Problem with a company's investigation into an existing problem122.7%
Can't stop withdrawals from your bank account102.3%
Problem with cash advance102.3%
Written notification about debt92%
Getting a line of credit81.8%
Received a loan you didn't apply for71.6%
Improper use of your report61.4%
Threatened to contact someone or share information improperly61.4%
Problem with additional add-on products or services51.1%
Issues with repayment40.9%
Electronic communications30.7%
Can't contact lender or servicer20.5%
Problem with a lender or other company charging your account20.5%
Unauthorized withdrawals or charges20.5%
Was approved for a loan, but didn't receive the money20.5%
Closing your account10.2%

How the company responded

Company responseComplaintsShare
Closed with explanation444100%

States

StateComplaintsShare
Tennessee9120.5%
Florida8819.8%
Texas398.8%
Missouri265.9%
Ohio255.6%
South Carolina214.7%
Wisconsin163.6%
Michigan132.9%
Arizona102.3%
Delaware102.3%
Indiana102.3%
California92%
Georgia92%
Kansas92%
Oklahoma81.8%
Utah71.6%
Alabama61.4%
Louisiana61.4%
Mississippi51.1%
Kentucky40.9%
Virginia40.9%
Idaho30.7%
Nevada30.7%
Washington30.7%
Arkansas20.5%

Latest 50 complaints

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

ReceivedProductIssueCompany responseSource
November 3, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
October 28, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 21, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
October 20, 2026Payday loan, title loan, personal loan, or advance loanCan't stop withdrawals from your bank accountClosed with explanationconsumerfinance.gov
October 16, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
October 14, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
October 14, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 11, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
October 11, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 8, 2026Debt collectionThreatened to contact someone or share information improperlyClosed with explanationconsumerfinance.gov
October 3, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
October 3, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 2, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
October 2, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
October 2, 2026Payday loan, title loan, personal loan, or advance loanProblem with additional add-on products or servicesClosed with explanationconsumerfinance.gov
October 2, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
October 2, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
October 2, 2026Payday loan, title loan, personal loan, or advance loanCan't stop withdrawals from your bank accountClosed with explanationconsumerfinance.gov
October 2, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
October 1, 2026Debt collectionThreatened to contact someone or share information improperlyClosed with explanationconsumerfinance.gov
September 30, 2026Debt collectionThreatened to contact someone or share information improperlyClosed with explanationconsumerfinance.gov
September 30, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
September 30, 2026Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanClosed with explanationconsumerfinance.gov
September 30, 2026Credit cardProblem when making paymentsClosed with explanationconsumerfinance.gov
September 29, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
September 25, 2026Payday loan, title loan, personal loan, or advance loanReceived a loan you didn't apply forClosed with explanationconsumerfinance.gov
September 16, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 15, 2026Payday loan, title loan, personal loan, or advance loanProblems receiving the advanceClosed with explanationconsumerfinance.gov
September 14, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
September 14, 2026Payday loan, title loan, personal loan, or advance loanCan't contact lender or servicerClosed with explanationconsumerfinance.gov
September 13, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
September 10, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
September 10, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
September 8, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 8, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 5, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
September 3, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
September 1, 2026Payday loan, title loan, personal loan, or advance loanProblem with cash advanceClosed with explanationconsumerfinance.gov
August 31, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
August 31, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
August 28, 2026Payday loan, title loan, personal loan, or advance loanProblem with cash advanceClosed with explanationconsumerfinance.gov
August 25, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
August 22, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
August 22, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
August 21, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
August 19, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
August 18, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
August 17, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
August 17, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
August 15, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov

Also on SpecStream

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.