ONEMAIN FINANCIAL HOLDINGS, LLC

2018-07-24

Wascott, WI

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

2018-07-24

Potomac Falls, VA

Charged fees or interest you didn't expect

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

Company Response: Closed with monetary relief

Timely Response

2018-07-23

MS

Getting the loan

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

Complaint: Or Friday XX/XX/XXXX i received a phone call from XXXX XXXX stating that i had been approved for a {$3000.00} loan. He asked me questions about my employment credit score etc. He then stated that because my credit score was low that i would have to purchase insurance so he could boost my credit score up. He then asked me to go to XXXX XXXX to purchase a gift card for the insurance. When i got there i didnt purchase it because my phone battery was low. Later that evening they contacted me and asked me was i still interested i said yes and he told me to purchase a {$200.00} gift card. I did. He then connected me with a lady and she said my money was on hold because of a state to state fee.. she then told me to go purchase another {$200.00} cardand that she would combine the other card with that one and that would cover it.. after purchasing it she said i had to get another card because the 1st card was for the insurance.. I began to get angry and asked her for a refund and stated that i didnt want it but she said no i would lose it and not get the loan. I got another card and she put me on hold. She connected me with a guy name XXXX and he then stated i had to pay {$500.00} for legal documents i finally realized to i had been ripped off and that it was a scam and asked for a refund because it was a scam and he said that they would refund my money back and he hung up the phone in my face. In all i purchased {$600.00} worth of cards.. a total of 3 {$200.00} XXXX XXXX cards
Company Response: Closed with explanation

Timely Response

2018-07-23

Simpsonville, SC

Charged fees or interest you didn't expect

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

Company Response: Closed with non-monetary relief

Timely Response

2018-07-21

Bancroft Hall, MD

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
Complaint: One Main Financial reported me late in XXXX with XXXX AND XXXX. The account was paid in FULL and closed beginning of XXXX. I spoke to someone end of XXXX and advised them that payment will not be paid till Beginning of XXXX. I had set up a payment with a representative and she assured me I was not going to be reported late. That was not even a concern when we spoke. I should not have been reported late to begin with. This was a loan that was with Springleaf and One Main took over. They are reporting inaccurate information. I am unable to get employment because the potential employers check scores and my scores dropped 16 points because of this. Since the account is paid in full I don't see a problem with fixing and deleting this delinquency which is not even accurate. THEY NEED TO PROVIDE WITH MY PROOF AND DO AN AUDIT ON THIS ACCOUNT SINCE IT WAS OPEN TO CHECK IF IT WAS ACTUALLY LATE. ALSO SHOWS LATE FOR XX/XX/2016.
Company Response: Closed with non-monetary relief

Timely Response

2018-07-19

Edgewood, FL

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-07-19

Lufkin, TX

Getting the loan

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

Company Response: Closed with explanation

Timely Response

2018-07-19

IL

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
Complaint: One Main Financial has made a hard inquiry for a credit line that I did not unauthorized and it is effecting my FICA score. In fact they made two hard inquires on two separate days a day apart from each other. I do not have any credit line with this company and it was an unauthorized hard inquiry to my credit. the dates of the inquiries are XX/XX/2017 and XX/XX/2017. I called One Main Financial and got nothing more than a run-a-round by their customer service representatives on multiple call by myself to them. That is the reason I am making this complaint.
Company Response: Closed with explanation

Timely Response

2018-07-19

Anaheim, CA

Struggling to pay your loan

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

Company Response: Closed with non-monetary relief

Timely Response

2018-07-18

Ashland, OH

Struggling to pay your loan

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

Company Response: Closed with explanation

Timely Response

2018-07-16

Macclenny, FL

Problem with the payoff process at the end of the loan

Payday loan, title loan, or personal loan: Personal line of credit

Complaint: Bait and Switch Good Afternoon, I am writing to you to explain how displeased I am with this company. I honestly feel like you pulled a Bait and Switch routine. I came to One Main seeking a personal loan to cover some debt. You were only able to do a portion of the amount I needed. I was fine with that and was ready to walk away. Then you start telling me about taking over my car loan and I could then use that as collateral for the additional funds I needed as another personal loan. I gave you permission to talk to my wife to help facilitate this process and you repeated told both of us that in the future I could refinance and take the car out of the loan if i found a new car i wanted to purchase. You went on and on about being able to do that and gave examples how to do it the right way by contacting you guys first because you've had customers just go through the dealership and which caused hiccups. I feel so manipulated and taken advantage of. I even stayed at your office for 3.5 hours while this was being hammered out. you had to do certain things so the system would take it and again you insisted I could refinance and take the car out when i was ready to purchase a new vehicle. As you see the email below ; i asked to do just as you instructed me to do. then you call me and tell me i am not able to take the car out of the loan and that the total loan is XXXX for the car. The way you presented it was not like this. Your word choice suggested the car could come out and the rest of the personal loan would be refinanced. Had you explained it correctly I would have never went through with the loan. But you knew that and that is why you presented it the way you did. So basically in a nut shell you created a car loan for an estimated 13K when it was worth only maybe between {$7500.00} and {$8500.00}. How you and your company handled this situation is complete wrong. You all should honor what you stated repeatedly to us and pull the car out and refinance the rest of the personal loan. I want this situation resolved.
Company Response: Closed with explanation

Timely Response

2018-07-16

NC

Incorrect information on your report

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

Public record information inaccurate
Complaint: XXXX XXXX XXXX XXXX XXXX ; located in XXXX XXXX, NC. XXXX XXXX XXXX Co Manager has filed a false judgement/lien against me and my good name at the XXXX County Clerk of Courts Office and filed a Writ of Execution from the XXXX County Sheriff 's Office ( Civil Division ) from the XXXX County Clerk of Courts Office on behalf of Co Manager XXXX XXXX XXXX of Springleaf Financial Services XXXX XXXX, NC for the amount of XXXX plus a Sheriff 's fee for the collection process, court costs and any interest due which is accruing daily. An Execution is a judgement entered against me which is recorded in the courthouse and is affecting my good credit, name, opportunities, as such time it exists. As a result any property which I own that has not been designated exempt by the courts is subject to and is sold in order to satisfy this FALSE JUDGEMENT ENTERED AGAINST ME by XXXX XXXX XXXX of Springleaf Financial Services signed by Sergeant XXXX XXXX dated XX/XX/XXXX. Springleaf isn't in business anymore due to a Federal Court Order to divest 127 Springleaf branches including North Carolina and 7 other states. Springleaf has already been cited by Consumer Financial Protection Bureau in XX/XX/XXXX by violating Federal Laws their practices hurt consumers while compensating the employees of Springleaf .. Ratios stated credit little value to the customers even while selling the credit insurance used deceptive practices and EVENTHOUGH I I canceled my XXXX Insurance XXXX XXXX XXXX in the principal balance deliberately failed to correctly deduct my portion of monies owed to Springleaf Financial Services and refused to correct my balance owed to Springleaf when bringing this to her attention on XX/XX/XXXX with the Office Manager agreeing with XXXX XXXX XXXX. I was still ordered to pay the Incorrect Principal added to my Balance then and was threatened to report that balance to credit bureau hurting my credit scores. I was called and harassed by office personnel after hours and before I paid my loan with letters too violating the collection laws of NC. The company is XXXX XXXX XXXX XXXX has reported this balance of XXXX which I deny owing then or now. XXXX XXXX XXXX and Management of Springleaf held monies owed to me and added fees to this false debt/claim and reporting the errors to The XXXX County Clerk of Courts Office as a judgement/lien and The XXXX County Sheriff 's office civil division to hurt my credit and violating my FTC Laws and Credit Reporting Act because this isn't true but false I owe Springleaf nothing.
Company Response: Closed with non-monetary relief

Timely Response

2018-07-15

Flushing, NY

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

2018-07-13

TN

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
Complaint: I have contacted the three credit bureaus pertaining to inquiries on my credit report that I did not authorize. they claimed they cant not dispute hard inquiries and they remain for two years. this maybe the case if I authorized those inquiries myself, however I did not authorize none of them. they credit bureaus told me to contact the creditors and explain it to them, which I did. they claimed it was me but when asked were they there when the credit was ran with me in front of them with my id? they claimed no. so anybody can get someone's information and use it over the phone or online to obtain good. I was told by the creditors to reach back put to the credit bures to see if I can dispute it. so all and all I am getting the run around and no help.
Company Response: Closed with explanation

Timely Response

2018-07-12

Los Nietos, CA

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-07-12

Chicago, IL

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
Complaint: I have spoke to XXXX about my inquires back in XXXX. I still havent had them removed. I spoke with them in XXXX, XXXX, and XXXX and they are still there. The creditors that put the inquires out there have sent several letters to XXXX as well. The inquiries that need to be removed are the 5 XXXX XXXX XXXX inquires from : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 1 inquiry from OneMain on : XX/XX/XXXX 1 inquiry from XXXX on XX/XX/XXXX 1 inquiry from XXXX/XXXX on XX/XX/XXXX 1 inquiry from XXXX XXXX on XX/XX/XXXX I have already sent over documentation stating that I did not make these inquires.
Company Response: Closed with explanation

Timely Response

2018-07-11

Getting the loan

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

Company Response: Closed with explanation

Timely Response

2018-07-11

Incorrect information on your report

Vehicle loan or lease: Loan

Account information incorrect
Company Response: Closed with explanation

Timely Response

2018-07-10

Ehrhardt, SC

Incorrect information on your report

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

Account information incorrect
Complaint: Late payments showing up on my credit report and these guys are predatory lenders. Interest paid off the entire loan and 8 years later they are still billing me.
Company Response: Closed with explanation

Timely Response

2018-07-08

Las Vegas, NV

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2018-07-06

Phoenix, AZ

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
Complaint: I HAVE TWO ACCOUNTS WITH ONEMAIN : 1- THE FIRST ACCOUNT IS PAID AS AGREE WHIT XXXX BALANCE. 2- THE SECOND ACCOUNT I MADE APAYMENT ON XX/XX/2018 CAMPANY ALWAYES REPORT THE END OF EVERY MONTH Until NOW THAT ACCOUNT NOT BEEN REPORTED TO XXXX , XXXX AND XXXX . IN THE PAST EVERY TIME WAITED OVER 3 WEEKS TOTHEM REPORT THE PAYEMENT AND EVERY MONTH I DISPUTE THE ACCOUNT THAT WHY AS CONSMER COMPELAINE ABOUT ONEMAIN.
Company Response: Closed with explanation

Timely Response

2018-07-06

Ladies Island, SC

Charged fees or interest you didn't expect

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

Company Response: Closed with explanation

Timely Response

2018-07-06

Las Vegas, NV

Charged fees or interest you didn't expect

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

Complaint: I took out a loan with OneMain Financial for {$7000.00} dollars on XX/XX/2018 My statement dates were the XX/XX/XXXX of each month with a payment of {$270.00} due on or before the XX/XX/XXXX of each month. On XX/XX/2018 I received my first statement online and I made my first payment of {$270.00} online XX/XX/2018. The payment breaks down as follows Amount {$270.00}, Interest {$200.00}, Principal {$64.00}, Balance {$6900.00} On XX/XX/2018 I received my second statement and made online payment of {$270.00} on XX/XX/XXXX Amount {$270.00}, interest XXXX, Principal {$60.00}, Balance {$6800.00} On XX/XX/XXXX I received my third statement with a balance of {$6800.00}. On XX/XX/2018 I paid {$6800.00}. To my dismay when I checked my online account I show a Last Statement Balance of {$170.00}? My last statement was XX/XX/2018 and it did not show this? On their website it specifically states that this is an interest bearing loan with the following statement. The balance shown represents the principal balance upon which interest accrues. The balance does not include any past due charges, such as late charges, because interest does not accrue on those charges. Any payoff occurring after the statement date will include the balance, the loans cumulative past due charges, all fees added to the balance after the statement date, and all interest accrued on the balance after the statement date. I paid off four other creditors on the same date and this is the only company that added additional interest when I paid balance in full? What Am I missing other than they trying to rip me off?
Company Response: Closed with explanation

Timely Response

2018-07-05

Dayton, OH

Communication tactics

Debt collection: Payday loan debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2018-07-05

Lewisville, TX

Threatened to contact someone or share information improperly

Debt collection: I do not know

Contacted you after you asked them to stop
Complaint: I have received multiple collection calls from One Main Financial for a person that used to have my work phone number. I told the collection agency that I am not the person they asked for, and to stop calling my work phone number. They informed me that they would put down that the number is not valid anymore, but I have since still received at least 4 calls.
Company Response: Closed with explanation

Timely Response