ONEMAIN FINANCIAL HOLDINGS, LLC.

2019-03-31

Lowell, AR

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Reporting company used your report improperly
Complaint: CEASE AND DESIST PULLING PROMO INQUIRIES I AM AN EXISTING CUSTOMER.
Company Response: Closed with non-monetary relief

Timely Response

2019-03-29

Gamaliel, KY

Problem with additional add-on products or services

Payday loan, title loan, or personal loan: Installment loan

Complaint: I recently applied for loan at One Main Finance XXXX XXXX, KY. Which I did not take out by choice. However when ask about what the loan was for. " I stated it was to pay off a credit card. ' The lady stated I was a authorized user. Was it my husband 's? I stated it was my wife 's. She said it could be your husband 's. I guess depending on which role you play. And laughed. I really did not appreciate that at all and I certainly did not think it was funny. I think One Main company may need to educate their employees in the XXXX community and rights. I am offended by what the employee say to me and she had no right to say nor should she have stereo typed me. I would like to know what can I do about this? Thank you XXXX XXXX Sent from my XXXX
Company Response: Closed with explanation

Timely Response

2019-03-29

Tubac, AZ

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-03-28

Chicago, IL

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Reporting company used your report improperly
Company Response: Closed with explanation

Timely Response

2019-03-28

Houston, TX

Struggling to pay your loan

Payday loan, title loan, or personal loan: Installment loan

Complaint: I have an installment loan with OneMain Financial and am late paying as of XX/XX/XXXX because we have a loss of income through my husband. I have told OneMain Financial that we are trying to catch up but can't at the moment. They have called my work office every day ( dates XX/XX/XXXX - XX/XX/XXXX ) since I have been past due and call 3 to 4 times a day even after I asked to stop calling my office. I have also sent an email directly to OneMain to stop calling my office but the calls continue.
Company Response: Closed with explanation

Timely Response

2019-03-27

Harvest, AL

Struggling to pay your loan

Payday loan, title loan, or personal loan: Installment loan

Complaint: One main Finacial continues to threaten me although I am making monthly payments I fellbehind. They have said if I donot pay the full amount of XXXX dollars in 7 days they will take further action. They thanked me for making payments but they wont the full payment of XXXX or else face further acitons. I am afraid these people are powerful I dont know what to do please help Please help I received this document in the mail
Company Response: Closed with explanation

Timely Response

2019-03-26

New Market, AL

Struggling to pay your loan

Payday loan, title loan, or personal loan: Title loan

Complaint: I spoke with someone at Onemain and asked them not to call me at work because I am not the only who have access to the voicemails we have no full privacy at the workplace. I was really humiliated when I received a call on on XX/XX/2019 not only did the person ( XXXX ) call but she left a voice message and the most embarrassing thing is she left the a message with the telephone number and which my coworker looked the number up and knew it was a individual calling about a debt I owed. She then called again on XX/XX/2019 and left another message. I also received a call on XX/XX/XXXX from a individual who call from a local cell #.
Company Response: Closed with non-monetary relief

Timely Response

2019-03-26

Caldwell, NC

Incorrect information on your report

Payday loan, title loan, or personal loan: Installment loan

Account information incorrect
Company Response: Closed with explanation

Timely Response

2019-03-25

Oxford, GA

Problem with a credit reporting company's investigation into an existing problem

Mortgage: Conventional home mortgage

Complaint: Hello my name is XXXX XXXX, I am filing this report due to a loan that was reported on my credit report recently I really do not have any knowledge of this account all I can say that it was told to me by Onemain Financial that the previous lender for this loan was XXXX XXXX the Account number was giving to me by OneMain is XXXX and that they brought this loan from XXXX they also told me that they brought the loan which is {$14000.00} and my payment was {$500.00} a month they also told me that this loan was open in XX/XX/2002 had no connection with XXXX are Onemail Financial so I am asking CFPB to contact them for me for clarification thanks.
Company Response: Closed with explanation

Timely Response

2019-03-23

Amarillo, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Company Response: Closed with explanation

Timely Response

2019-03-23

Sarasota, FL

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Installment loan

Complaint: I originally opened this loan in XX/XX/XXXX. This company has daily finance charges that are unfair and take advantage of people in time of distress. Their percentages of the loan payoff are extremely high. At or above 30 %. I have been paying almost all interest and this loan has been going on for 9 years! I have finally paid this loan off but something must be done on the amount of interest they are allowed to charge the consumer. This is the following information from my XXXX printout. One Main Financial XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX XXXX Original Creditor Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage - Balance {$10.00} Balance Updated XX/XX/XXXX Original Balance {$7300.00} Monthly Payment {$10.00} Past Due Amount Terms 60 Months Responsibility Individual
Company Response: Closed with explanation

Timely Response

2019-03-22

GA

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Installment loan

Complaint: On XX/XX/18 I initiated an online application to One Main Financial. Which was approved online without any collateral. With an XXXX credit score. For and amount of XXXX. Keep getting an esign error. Got a call from the office in XXXX. To come in to sign the paperwork. Once at the office they see I have a vehicle that's almost paid off from my credit report, now the only way they can close the loan is to use the truck as collateral. Which was almost paid off and at a lower interest rate. This is a classic Bait and Switch and Predatory Lending.
Company Response: Closed with explanation

Timely Response

2019-03-22

Magnolia, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: i have mailed XXXX XXXX XXXX Services on several occasions asking for validation of this debt of {$8200.00}. I have not received any validation of this debt that they are reporting on my credit report. I have not received any contracts with signatures proving this debt. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. This is a serious allegation and i want answers on why false information this is reporting on my credit report. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) The attached letter is the only information i have been sent. No other details has been provided.
Company Response: Closed with explanation

Timely Response

2019-03-20

Harvest, AL

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Problem with personal statement of dispute
Complaint: One Main Finacial continues to delebratly damage the credit of a co-signer that signed a loan with me on my behalf. They call myself and the cosigner XXXX continously I am only a payment and a half behind. However I continue to make my regular monthly payments I asked One Main could I refinance the loan under my name only and they said no. Mrs XXXX my cosigner called me and said one-main has been calling her and harrassing her about late payment. Also I was told by one-main that we were not seriously in delinquency. However they have began to report this to the credit bureau. Mrs XXXX has perfect credit and she is upset about it. This company calls during hours when I ( XXXX XXXX ) is at work. My supervisor asked me who is that calling interupting you at work. I said One-Main Finacial. I have been harrassed and threaten by One-Main- Finacial. I was told one time by an employee if I didnot make a payment I could be sued or they will go after XXXX and that I would be the cause of her credit being damaged. Althoug I make a payment every month. This continues this is not fair
Company Response: Closed with explanation

Timely Response

2019-03-20

Titusville, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: ONEMAIN is reporting a collection account to all 3 of my credit bureaus that is not mines. I have no contract or business dealings with ONEMAIN. I have never received any correspondence from ONEMAIN stating that they owned this debt nor their intent to pursue collection & report erroneously to my credit bureaus. I have tried disputing and getting this issue resolved with ONEMAIN for some time & see they have had action & lawsuits taken against them for using deceptive tactics to collect bad debts. I have requested documentation to include a signed agreement & proof that ONEMAIN owns the debt ( along with copies of anyone else who has owned this erroneous debt ). Upon contacting the said original creditor, they acknowledge they do not have any knowledge of this account. ONEMAIN refuses to comply and has constantly changed the dates on my credit file, I believe in an attempt to make this a valid debt. ONEMAIN is in willful non-compliance with the FCRA. With identity theft, data and security breaches on the rise I am sure ONEMAIN understands the importance of properly investigating my concern. Most recently when I tried disputing this debt I expressed the great financial and credit burden on my family as we were recovering from medical issues. ONEMAIN even ignored those facts and continued to ensue the damaging affect on my family. I will continue to document my efforts to get this issue resolved. If this is not resolved I intend to pursue litigation & seek monetary damages. I am confident I will prevail and will not be interested in settling after legal expenses are paid. I believe it will be in ONEMAIN 's and my best interest to resolve this issue prior to litigation to avoid unnecessary out of pocket expenses.
Company Response: Closed with explanation

Timely Response

2019-03-19

Darbydale, OH

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Company Response: Closed with explanation

Timely Response

2019-03-15

Magnolia, TX

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Reporting company used your report improperly
Complaint: I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.
Company Response: Closed with non-monetary relief

Timely Response

2019-03-15

Chestnut, NJ

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Installment loan

Company Response: Closed with explanation

Timely Response

2019-03-14

Anderson, IN

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem with paying off the loan
Complaint: I purchased a vehicle and was financed by XXXX XXXX XXXX. About 3 months into the loan I was in an accident which resulted in the vehicle being totaled. When I got the loan I paid extra for certain services if something happened later on, one being I I lost my job, they would cover up to 6 months of payments. After the accident my insurance paid out enough to cover it all except for {$700.00}, but right after the accident I lost my job and was unable to continue to make the payments. They never called, or sent any letters for a year, then suddenly one day I get a bill for over {$2000.00}, from the remaining {$700.00} plus interest. When I tried talk to someone about it I was given the run around. I was sent to one department to the next, never getting any answers. I now have almost XXXX on my credit report for a vehicle I paid for. I had no issue paying the {$700.00}, had I known they didn't. But they didn't once call, email, or send a letter stating i owed a balance for over 12 months. In return my credit has dropped XXXX points, and I am in a position where I have no options except for bankruptcy.
Company Response: Closed with explanation

Timely Response

2019-03-12

Newnan, GA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: This debt was given to XXXX XXXX XXXX. I settled the debt in XXXX of 2018. XXXX XXXX XXXX communicated with the original debtor ( One Main ) the account was settled. One Main has been still reporting to the credit bureau that I have an outstanding debt. They also have been reporting failure to pay even after receiving payment last year. I have been getting negative marks because it is showing I haven't been paying for months but the debt was settled and I don't owe anything. I've disputed twice and talked to them on the phone and still no results.
Company Response: Closed with non-monetary relief

Timely Response

2019-03-12

Saint Clair, MO

Struggling to pay your loan

Vehicle loan or lease: Loan

Denied request to lower payments
Company Response: Closed with non-monetary relief

Timely Response

2019-03-11

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Title loan

Company Response: Closed with explanation

Timely Response

2019-03-09

Bellview, FL

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2019-03-08

Wills Point, TX

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Company Response: Closed with explanation

Timely Response

2019-03-08

Clermont, FL

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Company Response: Closed with non-monetary relief

Timely Response