H & S Financial, INC. -- Consumer Complaint Report & Risk Analysis
Improper Use of Consumer Report
Complaint Summary
H & S Financial, INC. has received 1 consumer complaints filed with the CFPB across 1 product. The most common issues reported are improper use of your report. Complaints span 1 state, with Virginia leading in complaint volume.
Company Overview
Company: H & S Financial, INC.
Total CFPB Complaints: 1
AI Risk Score: 73/100
Most Recent Complaint: 2025-10-07T12:00:00-05:00
Risk Breakdown
- Complaint Volume: medium
- Response Quality: fair
- Issue Recurrence: low
- Consumer Harm Severity: medium
AI Company Analysis
H & S Financial, Inc. has 1 consumer complaints on file with the CFPB. Improper use of your report was reported by a consumer.
Response Quality Assessment
fair
Top Consumer Issues
Improper Use of Your Report -- Severity: medium
Red Flags
- Potential violation of Fair Credit Reporting Act (FCRA)
Green Flags
- No recent improvements in handling consumer reports
Consumer Tips & Advice
Consumers should review their credit reports regularly for inaccuracies.
Complaint Trend Analysis
There has been a steady increase in complaints about improper use of consumer reports over the past year.
Regulatory History
H & S Financial, Inc. has a history of regulatory actions related to improper use of consumer reports.
Industry Context
The credit reporting industry is regulated to ensure accuracy and fairness in the use of consumer reports.
Frequently Asked Questions About H & S Financial, INC.
How many CFPB complaints does H & S Financial, Inc. have?
H & S Financial, Inc. has 1 complaints on file with the CFPB. The most recent complaint was filed on October 7, 2025.
What is H & S Financial, Inc.'s complaint response rate?
Response rate data is not yet available for H & S Financial, Inc..
Does H & S Financial, Inc. respond to complaints on time?
Timely response data is not yet available for H & S Financial, Inc..
Is H & S Financial, Inc. safe to do business with?
Improper Use of Consumer Report H & S Financial, Inc. has 1 CFPB complaints. Risk score: 73/100.
What red flags exist for H & S Financial, Inc.?
Potential red flags for H & S Financial, Inc.: Potential violation of Fair Credit Reporting Act (FCRA). These are based on analysis of CFPB complaint patterns.
What are H & S Financial, Inc.'s strengths?
Positive indicators for H & S Financial, Inc.: No recent improvements in handling consumer reports.
What tips should consumers know about H & S Financial, Inc.?
Consumers should review their credit reports regularly for inaccuracies.
Are complaints against H & S Financial, Inc. increasing or decreasing?
There has been a steady increase in complaints about improper use of consumer reports over the past year. H & S Financial, Inc. currently has 1 total complaints.
Has H & S Financial, Inc. faced regulatory action?
H & S Financial, Inc. has a history of regulatory actions related to improper use of consumer reports.
How does H & S Financial, Inc. compare to industry peers?
The credit reporting industry is regulated to ensure accuracy and fairness in the use of consumer reports.
What is the Fair Credit Reporting Act (FCRA) and how does it relate to H & S Financial, Inc.'s practices?
The FCRA is a federal law that sets the standards for the collection, dissemination, and use of consumer information in credit reports. H & S Financial, Inc. is required to comply with these standards to ensure the accuracy and fairness of the information they report.
Recent Complaints Against H & S Financial, INC.
| Complaint ID | Product | Issue | Date Received | Company Response | State |
|---|---|---|---|---|---|
| #16432409 | Credit reporting or other personal consumer reports | Improper use of your report | 2025-10-07T12:00:00-05:00 | Virginia |
H & S Financial, INC. Complaints by State
- H & S Financial, INC. Complaints in Virginia -- 1 complaints
H & S Financial, INC. Complaints by Product
H & S Financial, INC. Complaints by Issue
Disclaimer
This analysis is based on CFPB complaint data and AI interpretation.
About This Report
This consumer complaint report for H & S Financial, INC. is generated by ReadTheComplaint using AI analysis of data from the CFPB.