CARMEL FINANCIAL CORPORATION, INC. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
03/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TN 38133	Web
On XX/XX/XXXX, I noticed my XXXX score dropped significantly 73 points. Carmel Financial account removed without any prior knowledge off my XXXX credit profile. I immediately contacted Carmel Financial and was told, " XXXX suddenly decided to remove all accounts including its hard inquiry from their files without prior knowledge to us. We have been in business for over 50 years and don't understand why this occurred. We will continue to report to XXXX. '' I informed Carmel Financial Group I have not received anything in writing informing me of pending removal. She said, " We are in the midst of sending out communications to our consumers. " Next, I contacted XXXX by phone and was told the account was removed on XX/XX/XXXX by representative XXXX. I informed XXXX that " It's my right to know if any accounts are either removed or added per FCRA and that did not occur which affected my credit profile. '' The problem is my family was in the middle of making a major purchase by tomorrow for our XXXX and now I went suddenly from good credit to bad credit without any fault of my own which is putting my family livelihood at risk during a Pandemic.
08/24/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30017	Web
I don't know who owns my debt. It is either XXXX XXXX or Carmel Financial Corp. XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX, WI XXXX Mailing Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , WI XXXX Carmel Financial Corp : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX This company sent a rep one day and scheduled an installer to come unannounced the next day. It wasn't until after the water refining system was installed, I learned I was denied proper credit. I was locked into paying for a debt I couldn't afford and should have never been issued credit for. The water system was extremely overpriced compared to other systems on the market. In addition to being denied credit, this company filed a deed notice against my property. I have not been able to refinance my home without this credit/debt showing against my property. They have used predatory lending practices to effectively lock me into this debt. I tried to contact them to settle the debt and they refuse to offer a fair settlement. The debt has grown exponentially and left me with few options to improve my personal credit situation.
05/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33065	Web
I, XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; CARMEL FINANCIAL CORPORATION is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. CARMEL FINANCIAL CORPORATION is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : CARMEL FINANCIAL CORPORATION 03/08/21. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be removed immediately.
03/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60651	Web
Ive pulled my credit report & noticed a few unauthorized hard inquiries on my credit profile that wasnt to my knowledge nor do I have any business with these companies nor did I give any consent to these companies to run my credit. My assumption is someone had gotten my personal information and tried to apply for something against my consent & knowledge. The INQUIRIES IM REFERRING TO IS : Company : Date of Inquiry : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX. XXXX 4. XXXX XXXX ( I contacted these companies and they werent able to verify my information nor did they even have my information in their system and recommended me to contact the credit bureaus to remove these inquiries but as I contacted the credit bureaus they claimed that I need to file a police report to get the inquiries removed which I did and I do have the police report number if requested ( will be included in attachments )
11/12/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77706	Web
After reviewing my credit report ongoing .. There's a collection Agency. CARMEL FINANCIAL. A Balance of {$5000.00} ... Opening date XX/XX/2016. That's continuing to appear on my credit Report ... It was once remove due to Fraud.. And it has now appeared back.. And it's showing in good standing right now, with 3 late payments. i don't care if the account is showing in good standing!!! it does not belong to me and I'm not about to be liable for it. And it's a severely old account ... Police Reports has been sent in to them and all of the Credit Bureau 's to have it remove ... This is Really starting to be a pain!!!! .. Because what they are reporting is not accurate and it's Fraudulent.
05/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 386XX	Web
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and either remove it or at least send me the information UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION US SM BUS ADMIN ODA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX CARMEL FINAN XX/XX/XXXX
09/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	UT 84115	Web
I have a {$5000.00} line of credit from a company called XXXX XXXX. I had to pay to join this club and have been member since XX/XX/2015. In recent past the company changed owners. This account somehow was dropped from my XXXX report causing my credit score to drop over 28 points. I contacted the company who said they would send through an update so credit bureau had accurate info. The correct information is on my XXXX and XXXX reports put has not been reinstated on my XXXX report which has negatively impacted my report
03/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 63011	Web
In accordance with the fair credit reporting Act this creditor has violated my rights Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC section 604 section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on credit card account under an open consumer credit plan as late for any purpose. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Carmel Financial
01/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33021	Web
Upon pulling my credit for a purchase in the near future, I notice an inquiry that I never authorized. I have made several attempts to try to rectify this issue with this company. They have not addressed this issue. This inquiry has effected my my credit score. I take great pride in my stellar credit, which I have toiled relentlessly to get to this point. Please remove this unauthorized inquiry from my report.
05/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	DE 19713	Web	Servicemember
CARMEL FINANCIAL COR Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX These companies are reporting hard inquiries on my XXXX credit report that I do not recognize. I do not have any open accounts with these companies.
12/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 086XX	Web	Servicemember
Whom It May Concern, I have sent multiple dispute letters in regards to the following unauthorized Hard inquiries found on my credit report. These are fraudulent and need to be removed from my credit report. According to FCRA these should be removed As soon as possible. Carmel Finan received the last dispute letter on XX/XX/20 reporting to XXXX.
07/20/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32836	Web
I try to contact this company multiple time due to a fraud account that was open under my name and ask to me remove of my credit report and still to this day no action have been made at this time Im willing and ready to take what ever action thats next to have them remove this fraudulent account of my report!
08/31/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 90260	Web
Hello, Please UPDATE my current address on my credit reporting to : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX AND please REMOVE ANY previous addresses like : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX OR XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX Thank you!
08/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19139	Web
On XX/XX/2020 Carmel Finan .has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. They are violating my rights and harming me
07/21/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32836	Web
Try to contact this company regarding a hard inquiry that was place on my credit report never have I ever apply for anything with this company so Ill ask to please remove this inquiry up on arrival of this letter thank you
08/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48083	Web
Ive noticed that its inquiries on my credit profile that shouldnt belong and I would like them remove immediately ( Carmel financial XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
07/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 95670	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
03/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77450	Web
I filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days, and I have not received any investigation results.
09/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 750XX	Web
I have filed a dispute regarding the incorrect items on my credit report. It has been more than 30 days and I have not received any investigation results.
06/10/2019	Yes	Credit card or prepaid card Store credit card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	NY 11224	Web
I opened a charge account with XXXX XXXX XXXX on XX/XX/2018 and due to some medical issues I missed XXXX payment
09/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77091	Web
There is a inquiry on my credit report that I did not authorize.
12/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AZ 85139	Web

03/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	AZ 85395	Web

03/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76002	Web

02/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30032	Web

02/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	RI 02907	Web

01/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 20785	Web

01/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33147	Web

12/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29650	Web	Servicemember

12/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78664	Web

11/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WI 53225	Web

11/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 77073	Web

10/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92503	Web

10/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 75104	Web

09/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19131	Web

08/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19139	Web

07/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33510	Web

07/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19104	Web

05/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92139	Web	Servicemember

05/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77703	Web

03/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30087	Web

03/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	FL 33069	Web

12/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 34108	Web

09/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37130	Web	Servicemember

06/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95209	Web

06/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95209	Web

03/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 27910	Web

10/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IN 47715	Web

05/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48174	Web

05/16/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30350	Web