Credit bureau · complaint record
Heritage Financial Group complaints
Filed under Heritage Financial Group, Inc.
Consumers have filed 109 complaints about Heritage Financial Group since 2015, 27 of them in the last 12 months (+145% on the year before). It answered 74.1% on time and closed 0% with relief for the customer - less often than a typical credit bureau. The most common problem is incorrect information on your report.
Poor response record. How it works
- Complaints on record
- 109
- Last 12 months
- 27
- Answered on time
- 74.1%
- Closed with relief
- 0%
- Last 30 days
- 1
- Rank
- #126 of 566
Since June 2015
+145% vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Oct 23, 2026
Most complained-about credit bureaus & report companies
Heritage Financial Group complaints by month
The busiest month was January 2026 (5 complaints). Complaints in the last 12 months are up 145% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Heritage Financial Group answered last 12 months
- Closed with explanation27100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time0/4574.1% on time
- Relief for customers0/400% closed with relief
- Complaint trend0/15+145% vs last year
What Heritage Financial Group complaints are about
Top Heritage Financial Group problems
Inside "Incorrect information on your report"
- Account information incorrect 9
- Account status incorrect 4
- Information belongs to someone else 4
- Old information reappears or never goes away 3
- Information is missing that should be on the report 1
Where Heritage Financial Group complaints come from
Most complaints: Illinois (41), Indiana (22), Ohio (18), Kentucky (8), Texas (5).
Heritage Financial Group compared with other credit bureaus & report companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Automobile AcceptanceCredit reporting | 50 | 29 | C |
| 2 | Expert Credit SweepsCredit reporting | 10 | 29 | F |
| 3 | Apple FinancingCredit reporting | 57 | 28 | C |
| 4 | Nav TechnologiesCredit reporting | 55 | 28 | C |
| 5 | Opportunity FundCredit reporting | 51 | 27 | C |
| 6 | Heritage Financial GroupCredit reporting | 0 | 27 | F |
| 7 | Informative ResearchCredit reporting | 60 | 26 | C |
| 8 | Pennsylvania Housing Finance AgencyCredit reporting | 56 | 25 | C |
Compare side by side: Heritage Financial Group vs Automobile Acceptance · Heritage Financial Group vs Expert Credit Sweeps · Heritage Financial Group vs Apple Financing · Heritage Financial Group vs Nav Technologies
What people say about Heritage Financial Group
All experiencesNo experiences with Heritage Financial Group yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Heritage Financial Group complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 23, 2026 | Auto loans & leases | Getting a loan or leaseCredit denial | Explained |
| Oct 6, 2026 | Money transfers & apps | Unauthorized transactions or other transaction problem | Explained |
| Sep 24, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Sep 23, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 21, 2026 | Auto loans & leases | RepossessionVoluntary repossession | Explained |
| Jul 28, 2026 | Auto loans & leases | RepossessionLoan balance remaining after the vehicle is repossessed and sold | Explained |
| Jun 12, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Jun 12, 2026 | Credit reporting | Problem with a company's investigation into an existing problemProblem with personal statement of dispute | Explained |
| May 29, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| May 17, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| May 9, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Apr 24, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
Questions about Heritage Financial Group
How many complaints does Heritage Financial Group have?
Heritage Financial Group has 109 complaints on record since June 2015, including 27 in the last 12 months and 1 in the last 30 days. That makes it number 932 of every company by complaints this year.
Does Heritage Financial Group respond to complaints?
Yes. Heritage Financial Group answered 74.1% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 0/100 (grade F).
What do people complain about most with Heritage Financial Group?
The most common problems are incorrect information on your report (21), managing the loan or lease (15), repossession (11).
Is Heritage Financial Group legit?
Heritage Financial Group is a real company with a public complaint record: consumers have complained about it 109 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Heritage Financial Group legit? for the signals, red flags and how to protect yourself.
Are complaints about Heritage Financial Group going up or down?
Up. There were 27 complaints in the last 12 months against 11 in the 12 before (+145%). See every month.
How do I file a complaint against Heritage Financial Group?
Complain to Heritage Financial Group in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Heritage Financial Group complaints come from?
Most come from Illinois (41), Indiana (22), Ohio (18). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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