ONEMAIN FINANCIAL HOLDINGS, LLC

2018-04-30

Hutchinson, KS

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: Springleaf has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Company Response: Closed with explanation

Timely Response

2018-04-30

Centerville Branch, GA

Problem with the payoff process at the end of the loan

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

Company Response: Closed with explanation

Timely Response

2018-04-27

Belle Haven, VA

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: Late Payment that I am not really sure that I was late.
Company Response: Closed with explanation

Timely Response

2018-04-27

Moran, KS

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-04-26

Havana, FL

Getting the loan

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

Complaint: On XX/XX/2018, I searched for bad credit loans through a XXXX search. I was then led to XXXX. I trusted XXXX XXXX because I've used them before and was familiar with the site. At this site is where I started applying for a business loan for {$5000.00}. I did not see that my social security number was requested and I did not see that a hard inquiry would of been done on my credit. I eagerly applied after reading everything because I was led to believe that I can get approved based on my income. I entered the information of my name, place of employment, address and income. I submitted the information online and within minutes I was referred to Onemain Financial. On the page it states that I was approved for {$4000.00} rather than the {$5000.00} I requested. I've never been approved before and I wondered what was different other than my credit score increasing. I specifically searched for a bad credit loan and did not enter my social security number so I dismissed that thought. Once I spoke to Onemain over the phone they said I was approved based on my income. Now the approval made sense. In the email I received after the approval stated that I had to submit verification to complete the process. I was then called on XX/XX/2018 by Onemain and was told that I had to submit my vehicle info because they were going to give me the loan based on collateral for security. I was skeptical but since I was already approved based on income and I didn't want to risk it by denying them the information. Secondly, I thought it was odd that I was re-asked for all the information I provided online. I gave all the information again and was told by the branch manager that he would call me back once he finished processing. I called back and was told I was denied for the loan. I thought how? I was approved and needed to submit documents for verification. I was told my vehicle could not be used as collateral but I thought I was approved based on income. I was now bewildered as to what happened and started asking more questions. I told the branch manager that I was approved online and was told to send documents to verify. He then told me that they still had to approve me in the office. I thought that was absurd. I then asked was a hard inquiry placed on my credit and he stated yes although I did not read any information online that stated so. I asked if I reduced the loan amount would I still qualify and I was told it doesnt matter because I am denied either way. I thought what kind of trap is this? I was told online I was approved, needed to submit my documents to verify the info I stated online and once I did I was denied? I asked to speak to a manager to get more answers but unfortunately that's when I realized the person I was working with all the while was the manager. Despite my plea for more answers and resolution I was told that there was nothing that he can do. I informed him of the process I went through and that I was approved and he said he still cant make changes. I asked for a business loan initially and then discovered that they only offer personal loans. I thought it was unfair and deceptive. I immediately thought to contact CFPB because it was so unfair especially now that I have a new hard inquiry on my report and fooled into being approved. The approval did not state it was conditional, it stated approved with no asterisks and no indicators that I could of been possibly denied. I felt baited and then let down.
Company Response: Closed with explanation

Timely Response

2018-04-26

Akron, OH

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-04-25

Jacksonville, FL

Improper use of your report

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

Report provided to employer without your written authorization
Complaint: My credit was ran without permission nor was I told. These are unauthorized and I have been fighting with them and credit companies, XXXX is the only one that removed information. I have been fighting this since last summer 2017 and also the cable company ran my credit and was told that it would be a soft hit and that is not the case.
Company Response: Closed with explanation

Timely Response

2018-04-25

Norcross, GA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was already discharged in bankruptcy and is no longer owed
Complaint: Really dont know who is this bank, is. And if this was my account and don't remember it's very old and want it off my credit report, over 20 years old
Company Response: Closed with explanation

Timely Response

2018-04-25

MI

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 been looking for a debt consolidation loan and have received at least 4 emails from agencies with various names stating that I'm pre-approved and telling me to sign in to verify. When I do this, I then get several emails from One Main Financial, XXXX XXXX, etc telling me I've been denied while also getting an alert from credit monitoring agency that I have a new hard inquiry on my credit. this has happened several times. I've emailed the company ( one main ) without response. I've also filed requestes with XXXX for investigation. I'm working hard to rebuild my credit so this makes it very hard.
Company Response: Closed with explanation

Timely Response

2018-04-24

Laurel, MD

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: This letter is your formal notice to cease your two unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : Onemain Made on : XX/XX/XXXX - XX/XX/XXXX Made with : XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my email address listed so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
Company Response: Closed with explanation

Timely Response

2018-04-24

Kenner, LA

Problem when making payments

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

Complaint: I was called at my job when I verbally told them not to call. I have no idea how they got my number at work I explained to them numerous times that I work late I sometimes get off after XXXX XXXX and I dont have access to a phone at all times. When called about them calling my place of employment they act they knew not to call already.
Company Response: Closed with explanation

Timely Response

2018-04-24

Garber, OK

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: OneMain has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Company Response: Closed with non-monetary relief

Timely Response

2018-04-24

Clermont, FL

Getting a line of credit

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

Company Response: Closed with monetary relief

Timely Response

2018-04-22

Houston, TX

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2018-04-21

Grassy, MO

Incorrect information on your report

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

Public record information inaccurate
Complaint: ONEMAIN RAN MY SOCIAL SECURITY NUMBER THROUGH A BANKRUPTCY DATABASE. MY SOCIAL SECURITY NUMBER MATCHED THE TAX ID NUMBER OF A BUSINESS THAT HAD BEEN IN BANKRUPTCY. ONE MAIN REPORTED A BANKRUPTCY REMARK ON MY XXXX CREDIT REPORT. NEITHER ONEMAIN NOR XXXX VERIFIED IF THE INFORMATION WAS ACCURATE. I HAVE DISPUTED THE REMARK TWO TIMES AND IT STILL IS NOT RESOLVED. ONEMAIN DID SEND A LETTER TO ME ON XX/XX/XXXX, SAYING THAT THEY HAVE NOTIFIED CREDIT REPORTING AGENCIES TO REMOVE THE REMARK. XXXX INVESTIGATOIN LETTER CAME BACK TO ME ON XX/XX/XXXX. SAYING THEY VERIFIED ALL INFORMATION AND THEY LEFT THE REMARK ON MY REPORT. I ONLY HAVE THIS ISSUE WITH XXXX, NO OTHER REPORTING AGENCIES. ONEMAIN SHOULD NOT BE REPORTING FALSE INFORMATION AND XXXX IS NOT ACCURATELY VERIFYING INFORMATION. A TAX ID NUMBER FROM A COMPANY SHOULD NEVER BE MISTAKEN FOR SOMEONE'S SOCIAL SECURITY NUMBER ... ..!!!!!!
Company Response: Closed with non-monetary relief

Timely Response

2018-04-20

Atlantic Bch, FL

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

2018-04-20

Houston, TX

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

2018-04-20

Brock, TX

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

2018-04-19

Washington, DC

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: OneMain Financial has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Company Response: Closed with explanation

Timely Response

2018-04-19

Chicago, IL

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2018-04-19

Creston, MT

Closing on a mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-04-19

Altamonte Spg, FL

Incorrect information on your report

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

Old information reappears or never goes away
Company Response: Closed with explanation

Timely Response

2018-04-18

Trumbull, CT

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with non-monetary relief

Timely Response

2018-04-18

Middleburg, FL

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-04-18

Mill Creek, IN

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: One Main has violated 15 USC 1692 by continuing collection after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus
Company Response: Closed with explanation

Timely Response