RateGenius Loan Services Inc CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
03/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19151	Web	Older American, Servicemember
I purchased a new XXXX XXXX through an XXXX dealership on XX/XX/XXXX. The vehicle was financed through XXXX XXXX XXXX at a higher interest rate than I would have preferred but due to the rebate ( {$1000.00} ), the financing had to be with them. However, the condition of the loan permitted refinancing after 90 days. On XX/XX/XXXX, I received a pre-approved loan offer from a XXXX and rateGenius to refinance my vehicle from 5.56 % to 2.247 %. I immediately submitted a loan application to refinance the loan on the vehicle. The loan was quickly approved. I provided them with the documentation which they required to the loan process. Suddenly, there was a 1 % increase in the interest rate which was still a reduction when compared to the existing auto loan. I consented. I had to have documents notarized, insurance verification submitted, along with a checklist of additional items. Finally, I was told to submit ( 2 ) years of Federal Tax Returns. I found this to be questionable because this has never been a requirement during the 40 years in which I've purchased new vehicles. When I questioned the reasoning for requesting my tax returns, I was told it was not necessary but they wanted me to consent to yet another credit report. I objected because this would have been the 2nd obtained by them, and, added to the one originally obtained by XXXX XXXX XXXX, there would have been a total of three ( 3 ) credit reports secured by lenders within a six ( 6 ) month period. Invariably, this action would have had an adverse effect on my credit and resulted in reducing my credit score. I then wrote to both the President and CEO of XXXX and to rateGenius to express my displeasure with their lending policy. Following my correspondence to XXXX, I was sent a letter from rateGenius stating that they were unable to find a lender that could provide a lower rate and therefore my loan request could not be granted. They went on to say, " This may not be due to your credit rating ; in fact, it may be that you already had a good interest rate and we could not find a lower rate. '' They stated that my credit score is " XXXX. '' Additionally, they list four ( 4 ) factors which adversely affected my credit score. All four ( 4 ) factors are false and a total fabrication of the truth. I have since written again to them along with XXXX to contest and appeal the rejection letter and the adverse factors which effects my credit score.
02/28/2019	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	GA 31419	Web
Mid XX/XX/XXXX, I was on line looking at car loan rates. I don't remember what site it was and I started putting info in. But when it got to the point where I was putting personal info in, I cleared out and went back and cleared out all info. Then on XX/XX/XXXX I got an alert from XXXX ... I had an auto inquiry from XXXX XXXX XXXX XXXX that put a ding on my report. I called the agency the ask for the credit check. They informed me that Rate Genius asked them to get credit score. I have never heard of or contacted XXXX XXXX XXXX or Rate Genius. How could these agencies get my info to get a credit report!! I called both agencies and both said they could not do anything. Each sorta of blamed the other. I called XXXX but they said they could not do anything. I had talked to a lady at XXXX XXXX, and she promised me she would check into this and get back to me within a week. When I did not hear back from her, I called her on XX/XX/XXXX got her voice mail and told her if she did not get back to me, I was going to file a compliant. That night I call a call from Rate Genius from XXXX, He said he would check into this and get back to me within a few days. Of course I did not hear back from him and on XX/XX/XXXX I called him and of course got his voice mail, left a message and have not heard back from him. All I'm asking of either of the 2 companies is to reverse the credit check on my account. Yes, I went online but I removed all my info and they shouldn't have any of my info. Then for XXXX to give them a report with my permission!! I work hard to keep my credit score up and for someone to get a report and put a " ding '' on my account with my knowledge or approval!! When I talked with XXXX, I did put a Fraud alert on my account, whereas if anyone wants a credit score, I will have to be contacted. Then to add salt to the wound, both companies denied me credit!!! I have excellent credit. I am hoping that you can help me get the credit check off my account. Thank you XXXX XXXX
08/13/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease High-pressure sales tactics	MA 01801	Web
About 2 weeks ago, I submitted an application on XXXX to be connected with companies who could offer me an Auto Refinance Loan. I ended up deciding to wait a while for my credit to get even better, but I wanted to warn others about the tactics used by RateGenius.com. I was called today at work by who I assume to be XXXX XXXX @ Rate Genius. I am making this assumption because I was emailed at the same time as called by Rate Genius, with the sender being XXXX XXXX. XXXX informed me that they had preformed a " hard pull '' of my credit score, as well had all 10+ ( or more ) affiliates that were notified of my application at XXXX . To be clear, these are not words of warning about XXXX. Of course, as an informed person, I knew this to not be true, as XXXX would not have a viable business model if they destroyed the credit of every person who uses their service. I was taken aback by the call, and so decided that I should report this employee to the company so that they could retrain this person. I spoke with " XXXX '' over their live chat service available on the homepage of RateGenius.com. I have screen-shotted the entirety of the conversation, and am attaching it to this report. Instead of apologizing and promising to retrain the confused employee, as I suspected, instead the representative DOUBLED DOWN on this. He claimed incorrectly first that XXXX authorizes it's affiliates to run credit reports, even though I knew ( by XXXX 's own disclosures ) that this is not true. After copy/pasting XXXX 's disclosures into the conversation, XXXX then stated again that affiliates are free to effectively destroy credit reports by running soft or hard pulls at their discretion. These aggressive and misleading sales tactics would easily scare and confuse an uninformed person into signing up NOW, since their credit would be ruined for years.
12/28/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	MT 59715	Web
Hi, i am in the process of trying to refinance my auto loan. i currently have a loan with XXXX XXXX and i noticed that on my XXXX XXXX account they list my loan and showed that they thought i could get a better rate if i refinanced. the XXXX XXXX site showed several loan refinancing provider options. the first option they showed me was the lowest rate and monthly payment through a company called Rate Genius. i currently pay XXXX per month on a loan with 9.5 % interest. the Rate genius site offered me a loan at 6 % with a monthly payment of XXXX dollars, so naturally i went with that. i went to the site and filled out the application and i got an email back saying i had been approved and would be contacted by a representative. the next day i got an email from a company rep that again said i had been approved, but when i looked at the loan details, it was for a loan with 7.7 % interest, for 66 months, and a XXXX monthly payment. i wrote back saying that this was not the loan RateGenius said i was approved for and that i want the original loan i was approved for. they now have written me back again trying to get me to accept this not so great loan. it seems to me that maybe they are offering loans that people qualify for but then trying to switch the loan details to maximize their profit by trying to get people to accept loan offers that are not as good as they qualify for. even they are just offering me a revised loan based on my qualifications, the fact still remains that they led me to believe i was approved for a specific loan being offered and then tried to get me to accept a different loan. it seems pretty deceptive and kind of seems like false advertising.
05/14/2019	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 782XX	Web	Older American, Servicemember
It began when I submitted a request with XXXX for their free quotes on refinancing my XXXX XXXX. I read their terms and it states they would gather some information from me an sent it to several lenders. It also states that several soft inquires may occur by the lenders. Within minutes after completing the form for the fee quotes from XXXX I started to receive emails and phone calls from several lenders. Once I learned some of lenders offers I declined to continue with the process of getting a loan. Out all the these lenders with their offers, one lender, RATEGENIUS, somehow continued the process by completing a loan application. Then shortly afterward I receive an alert saying that RATEGENIUS had submitted a hard inquiry from XXXX. I ran XXXX XXXX and I learned that XXXX XXXX had done a hard pull on my XXXX credit report on XX/XX/2019. Today, around XXXX XXXX I called XX/XX/XXXX customer service and she connected me with the dispute team rep. The dispute rep I spoke to says there is not much I do about this hard pull even without my permission given to RateGenius. I have had several hard pulls in the past, but have never submitted a dispute. Today I decide to submit a dispute and the credit agency tells me I can't do anything but wait 2 years until it is remove from my credit reports. I just don't believe nothing can be done about these issues. So I am contacting your agency for assistance in this matter. Please help me in resolving this matter with Rate Genius Loan Services.
05/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Received unsolicited financial product or insurance offers after opting out	NJ 07002	Web
In XXXX I was considering refinancing a vehicle I have since paid off. I filled out the XXXX online form to view XXXX 's prospective offers for an auto refinance loan. An individual by the name of XXXX XXXX from a XXXX partner, RateGenius, contacted me on the morning of XX/XX/XXXX over texts. I was not interested to refinance at the time - I was just looking at prospective offers. I opted out explicitly over texts and told him I may refinance in 1.5 months, of which I have proof. Prior to reaching out, on XX/XX/XXXX he sent my application along with my Social Security Number to yet another company ( not a XXXX partner ) called XXXX 's XXXX XXXX XXXX that pulled a hard credit inquiry on my file. I found this out very late on XX/XX/XXXX. I'd like to state this business has qualification requirements to meet to be able to even take a loan from them, found on this site : " XXXX : XXXX ''. It is correct to assume I have no such qualifications. I have two issues : 1 ) if I do not recognize or know you as a business, do not touch my credit file, and 2 ) XXXX 's false advertising on XXXX XXXX XXXX ' : " When you find a lender that meets your needs and is able to offer a competitive rate, contact that lender and get the refinancing process started. '' This statement is false because the refinance process was already started prior to the XXXX XXXX reaching out.
08/25/2020	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	TN 38138	Web
I put in information through XXXX XXXX on XX/XX/2020 at XXXX XXXX. I clicked on Rate Genius 2.25 % for 48 months and continued from there. I never gave my full social security number to ANYONE. I used this chat feature on Rate Genius to ask how they could send me loan offers without running my credit because they didn't have my social. I wanted to make sure that this company would not do any hard inquiry on my credit, as I was just shopping around at the time and wanted to see what I could find. The person said " we don't need your social to get you approved. '' I looked today and I have received THREE hard inquiries to my credit score! What's worse -- the offer they actually sent over was a full 1.25 % higher than the " pre-approved '' rate. I reached out to Rate Genius and they said " you gave us express written permission to retrieve your credit when you clicked " continue '' on XXXX XXXX and Rate Genius. They never had my info to run it, so they somehow found it and ran it saying that I gave them express permission to do so! This is completely unacceptable and absolutely unethical. Tiny fine print that allowed them to make three hard inquires -- and the person from the company told me the social wasn't even needed to continue. This company should not be allowed to continue doing this to innocent people!
06/08/2021	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	NY 11355	Web
on XX/XX/2021 I logged into my XXXX XXXX account to check possible auto loan refinance rates. I was taken through a very general prompt. I was never specifically told that my credit was going to be checked for this request. I was under the impression that my credit will not be checked and I will be displayed rates on a pre-approval basis, more like a soft inquiry. Once I was alerted of an inquiry on my report, I checked my report and found two credit inquiries from Rate Genius. I never followed through with them after my initial request and was not aware that they checked my credit. I called them on XX/XX/2021 to have these inquires removed and they told me they won't remove the inquiries because I should have known credit karma will check my credit. This was completely false, there was no disclaimer on XXXX XXXX. I would like them to remove the two inquires placed on my credit report on XX/XX/2021 and XXXX. I still don't understand why they checked my credit twice. The impact of these inquiries resulted in my long standing credit card lowering my credit limit as well as my credit score dropping 10 points.
02/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CO 80237	Web
To whom it may concern : I went through XXXX XXXX to see about refinancing my auto loan. When I asked to see what kind of loan I might be able to get I was contacted by several agencies. I ended up speaking with the first one that contacted me and they advised me they would do a soft credit inquiry. I agreed to it, however, I got a hit on my XXXX Credit report from a company I hadn't even spoken with. They pulled my credit report which lowered my score without my consent. Below is their information. Alert Date XX/XX/2019 Source XXXX Company RATEGENIUS/XXXX XXXX Address XXXX XXXX XXXX XXXX, CA XXXX Phone XXXX I didn't give consent to have my credit pulled and after speaking with XXXX XXXX they agreed that this wasn't a practice that they approved of and opened a Complaint Case : XXXX Against them. I was told by XXXX that I needed to call the RateGenius back and ask them to remove the inquiry, however they claim that XXXX XXXX allows them to pull people 's credit. Even if that's the case they refused to call XXXX to remove the inquiry after I made it clear that I wasn't going to business with them.
10/13/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	CA 94577	Web
I used RateGenius to refinance my auto loan in XX/XX/2021 and the loan was funded on XX/XX/2021. RateGenius Application # XXXX. However, they have not made the title transfer fees to XXXX until XX/XX/2021. I found out there are unpaid fees from DMV and multiple lienholders on my vehicle because I was attempted to sell the vehicle in XX/XX/2021. I have tried to reach out RateGenius and XXXX XXXX. However, my concern was passing in between Customer Service and Title Department and the Department that I have no idea why I got transferred to. End up I got reached out because I posted my negative reviews. Then RateGenius trying to blame all the mistakes because of the DMV 's behind and COVID. It causes unnecessary expenses to maintain the loan. Such as interest, insurance, and multiple DMV visits. XXXX XXXX is been very helpful to address the issue but not RateGenius. I m not sure does these Online Agencies do manage by CFPB. **email history attached.
09/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	FL 32837	Web
Friday XX/XX/2018 I was looking to find a better rate for my car loan on Rate Genius. I got to the part where it asked me to inter my SS number. I read the discloses which indicated that there could be some hard credit pulls by different financial institutions. I did not enter my SS number and closed the page because I didn't want hard pulls on my credit history. So I get a notification that XXXX XXXX XXXX pull a hard credit check. Spoke to the credit union and they informed me that rate genius sent them my information. Called and spoke to Rate Genius they told me that they work with the credit agency 's and all the need was a name, address and birthday, which they ask for prior to getting to the SS number, and they can pull the SS number without the public entering it into the portal. I find this to be very sneaky way of trying to get business. Now I have to dispute the hard inquiries and waste my time with this nonsense.
09/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	FL 32837	Web
Friday XX/XX/2018 I was looking to find a better rate for my car loan on Rate Genius. I got to the part where it asked me to inter my SS number. I read the discloses which indicated that there could be some hard credit pulls by different financial institutions. I did not enter my SS number and closed the page because I didn't want hard pulls on my credit history. So I get a notification that XXXX XXXX XXXX pull a hard credit check. Spoke to the credit union and they informed me that rate genius sent them my information. Called and spoke to Rate Genius they told me that they work with the credit agency 's and all the need was a name, address and birthday, which they ask for prior to getting to the SS number, and they can pull the SS number without the public entering it into the portal. I find this to be very sneaky way of trying to get business. Now I have to dispute the hard inquiries and waste my time with this nonsense.
04/19/2020	Yes	Vehicle loan or lease Loan	Improper use of your report Credit inquiries on your report that you don't recognize	NV 89118	Web
RateGenius is a auto refinance company online which offers auto refinance service. They advertise that you can apply with no impact to your credit score. I filled out t he online form ( nowhere does it authorize a hard inquiry unless you move forward and accept their proposed loan terms ). Someone from their office contacted me and offered an absurd rate. I told them no thank you and to close out my request for information. AFTER I requested that, they then did a hard pull on my credit file, negatively impacting my score. I never authorized the hard pull and it should be removed from my file. They don't respond to request, as they're clearly some shady fly-by-night company. RATEGENIUS/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX The above is the information as it appears on my credit report.
04/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78232	Web
I received a mailer from XXXX XXXX XXXX Rate Genius offering a " pre-qualified '' auto refinance offer. I went to XXXX to check it out. I entered their Pre-qualified code, my name, address and birthday. The site asked for my SSN. I DID NOT enter this and ended the session because I didn't want my credit pulled. I was simply interested in the information. A credit inquiry was made to XXXX without my approval. An alert shows it was pulled by RG/ XXXX XXXX XXXX XXXX on XX/XX/2020. I called XXXX XXXX XXXX XXXX. They claim they did not pull my credit and only use XXXX to pull reports. They instructed me to contact Rate Genius. I called Rate Genius and they confirmed they pulled my credit. I asked how they were able to do this without my approval. They could not explain it. Now, my credit score will be reduced for an inquiry I did not approve.
08/12/2020	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	ID 83835	Web
Today XX/XX/2020 I visited RateGenius.com/refinance to check rates without having my credit pulled ( I am in the middle of qualifying for a home this week ). The site specifically states " Shop for a better auto loan with no impact to your credit score. You could lower your monthly payment and save some serious cash! '' This was the only reason I chose this site. I couldn't have any pulls on my report. I never had to supply my ss #. Sure enough and hour later, I have not one but two credit unions pulling my report thousands of miles away. I contacted customer service ( after having to freeze all three bureaus ) and she stated by hitting submit I authorized this. I showed her the website page and what it states. No response. I asked for no further credit inquires and for the removal of the two on there and she said no.
10/12/2021	Yes	Vehicle loan or lease Loan	Improper use of your report Received unsolicited financial product or insurance offers after opting out	FL 34741	Web
I submitted a preapproval in lendingtree and got different agents requesting more information, but one decided to skip every protocol in the book and just pulled a hard inquiry on my credit. The lending agent apologized for it over the phone and hang up and now the manager keeps telling me that it is what it is, so they pulled my credit score twice without my authorization, zero help and I get to find through yelp that I am not the only one that this business is deceiving with their malpractice. There is federal regulations that they are skipping and it needs to stop. You need to get consent to run someones credit.we established a client to customer relationship. You need fo seek consent for that credit score
09/27/2021	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	CA 956XX	Web
On XX/XX/2021 my wife and I were looking at rates to refinance a vehicle. We purposefully did NOT submit any applications as we are also mortgage shopping. This morning, XX/XX/2021, I received alerts that my credit reports had been pulled multiple times. On my XXXX Credit Report there is one inquiry from XXXX XXXX with no contact information whatsoever, and on my XXXX Credit Report there are 2 separate inquiries from the same credit union, XXXX. I contacted XXXX who claimed they received authorization from Rate Genius. Rate Genius 's employee, " XXXX '', advised me to dispute the inquiries but otherwise offered no assistance into the matter. I expect all inquiries to be removed as I did not authorize them.
05/13/2019	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	MD 20744	Web
I did not authorize the following inquiries listed on my credit reports. I wrote a dispute letter to the companies and the credit bureaus. XXXX XXXX XXXX XXXX inquiry XX/XX/18 XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/18 XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/18 XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX I received a response from XXXX XXXX XXXX XXXX indicating that the inquiries were made at the request of XXXX XXXX XXXX and Rate Genius. So I contacted XXXX XXXX XXXX and Rate Genius who informed me that they can not assist me with deletion of the inquiries. I did not authorize credit inquiries one week apart.
05/20/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	MD 20774	Web
I went on the Rate Genius website to inquire about refinancing a car loan on XX/XX/2020. I was requesting information on their rates and process. I entered my contact information which did not include my SSN. A couple of days later, I received an email that I had been approved for a loan. I never applied for a loan. I reached out to the company and was told that they had the right to pull my credit based on me reaching out to them for the inquiry. I do not understand how this is proper or fair to the consumer. This seems like the same unscrupulous behavior that caused problems for XXXX XXXX. The inquiry should be removed from my credit reports.
02/16/2021	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	AZ 85712	Web
XX/XX/XXXX, rategenius rep XXXX XXXX pulled a hard hit on my credit score without authorization. I applied originally XX/XX/XXXX and refused the loan. I did not agree to have my credit score pulled or checked again. I do not want this loan. He had no permission to incur another hard credit hit and offer another loan I do not want. When I tried to contact credit union west I was on hold for 20 minutes and hung up on. Tried calling XXXX directly and went to voicemail instantly.
02/08/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	CA 92555	Web
In XXXX of 2020 I completed a refinance with rateGenius Loan Services , Inc. and I was told the new note holder is XXXX XXXX XXXX when I had to renew my DMV registration I was unable to because they had not paid and completed the title work process DMV keeps sending me emails of the required documentation missing and I keep sending it rateGenius Loan Services , Inc. they have not resolve this and I am scared of getting pulled over need to fix this
07/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77080	Web
So I saw an ad that they could lower my interest rate. Gave them my information, and they put 2 hard inquiries on my report. One from XXXX XXXX XXXX and another Peoples Trust. I try calling Rate Genius and they say to call the banks and then the banks say to call Rate Genius. Then Rate Genius said to call XXXX. XXXX said to call Rate Genius and I explained to them I have and they advised I call you guys.
02/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60564	Web
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX XXXX Inquired on XX/XX/2020, RATEGENIUS/XXXX XXXX Inquired on XX/XX/2020, XXXX XXXX XXXX Inquiry : XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
08/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28262	Web
Went on the XXXX XXXX website to see about prequalifying to refinance my current vehicle loan. Per XXXX XXXX website it was advised there would be no hard inquiry on my credit report. XXXX XXXX did not perform any inquires on my credit report however one of their lenders did by the name of rateGenius. I did not authorize rateGenius to pull my credit nor was there a formal application
04/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC XXXXX	Web
Was sent the following text from rategenius, I have never applied for credit or refinancing with rategenous. How did this company get my credit information and private number which is not listed. This is credit fraud! Hi from RateGenius! We got your auto refi application ( App # XXXX ). We will review and reach out with next steps soon. XXXX Reply STOP to unsubscribe
11/09/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	TX 78681	Web
I came across rate genius on XXXX XXXX. And nowhere under the terms and conditions did it state they were going to do a hard pull on my credit report. Not only one but 4 Harding inquirys. I want them to send a request for deletion to all four banks. That was done without my consent or knowledge. I do not approve of the predatory practices
11/29/2018	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	DC 20019	Web
There was inquires from Rate Genius on XX/XX/2018 on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help
07/23/2021	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 Investigation took more than 30 days	NC 28212	Web
I recently filed a dispute in regards to the incorrect items on my credit report. 30 days has passed & I have not been reached out to about my investigation results.
06/22/2019	Yes	Vehicle loan or lease Loan	Improper use of your report Credit inquiries on your report that you don't recognize	MD 20874	Web
Responded to an ad for car refinancing and the company Rate Genius made several hard inquiries effecting my credit score without my knowledge or written consent.
07/12/2021	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 92804	Web
I have filed a dispute in regards to the inaccuracies on my credit report. It has been well over 30 days, and I haven't received any investigation results.
07/11/2021	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	CA 92804	Web
I filed a dispute in regards to the inaccurate items on my credit report. It has been well over 30 days, and I haven't received any investigation results.
07/09/2021	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 92804	Web
I have called, faxed, and mailed in a FTC report in attempt to remove these fraudulent inquiries, but XXXX will not.
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	CA 93030	Web
I see a hard inquiry from XXXX XXXX And from rate genius on credit report I don't apply for nothing
12/20/2021	Yes	Vehicle loan or lease Loan	Improper use of your report Credit inquiries on your report that you don't recognize	AZ 86413	Web	Older American, Servicemember

10/14/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	TX 77080	Web

07/10/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	AZ 86401	Web

01/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33160	Web

10/11/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77077	Web

05/21/2020	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	OR 97006	Web

09/20/2019	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	FL 33066	Web

07/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 53202	Phone

06/28/2019	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	WI 53202	Web

06/27/2019	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	WA 98052	Web