ONEMAIN FINANCIAL HOLDINGS, LLC

2018-03-03

Harsens Is, MI

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2018-03-03

Springfield, MO

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

2018-03-03

Newnan, GA

Struggling to pay your loan

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

Complaint: I submitted a previous CFPB compliant against one main financial offering a XXXX settlement and requesting for the Lawsuit against me to be dropped, however a I spoke with a representative from one main financial and she indicated that one main financial had 60 days to give a response and she would note it on the account.
Company Response: Closed with explanation

Timely Response

2018-03-02

Shalimar, FL

Charged fees or interest you didn't expect

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

Complaint: Within my contract sent to me by a law firm on behalf One Main there are two different interest rates listed along with different loan dates. One is over 30 % and the other is XXXX. According to Florida Statues Chapter 687.02 usurious contracts should not be charged at an insterest rate of more than 18 %.
Company Response: Closed with explanation

Timely Response

2018-03-01

Sharpsburg, GA

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

2018-03-01

Columbia, SC

Incorrect information on your report

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

Account information incorrect
Complaint: I have been paying on a loan with One Main Financial. I was at the office location in XXXX in XXXX SC and my records were sold to the location on XXXX XXXX XXXX without my consent. My balance was paid down to just over 6,000 and I received a credit alert stating from XX/XX/XXXX to XX/XX/XXXX of this year my balance jumped from {$6100.00} to {$15000.00}. I have not taken out a loan. This was brought to my attention on XX/XX/XXXX and I visited the office on XX/XX/XXXX. I was told that there records showed no such thing. I asked for a master printout and the guy printed out what his work station showed which only showed the last couple of months of payments. He then proceeded to cut off the top of the form that had the company logo on it before giving it to me
Company Response: Closed with non-monetary relief

Timely Response

2018-02-27

Itasca, IL

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Complaint: One main financial has been repeatedly harassing me. They have repeatedly called me at work after myself and my boss notified them I can not re have personal calls during business hours. It got to the point where my boss has to have a conversation with me about them harassing and calling everyday. They have interrupted my day numerously. They have threatened to sue me and garnish my wages. The representatives were never pleasant or positive. I have talked to them several times making them aware of my decreased financial income. I was in a car accident t in XX/XX/XXXX and a horrific life changing auto accident end of XX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2018-02-27

Brandon, MS

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-02-26

Pigeon Forge, 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
Company Response: Closed with explanation

Timely Response

2018-02-25

Bellevue, KY

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: Unauthorized credit Inquiries listed on XXXX credit report. No one hady permission to pull credit Inquiries. Multiple times credit inquires on XXXX Please remove them XXXX refuses to remove them.
Company Response: Closed with explanation

Timely Response

2018-02-23

Bucksport, SC

Charged fees or interest you didn't expect

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

Company Response: Closed with non-monetary relief

Timely Response

2018-02-23

Chicago, IL

Struggling to pay your loan

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

Complaint: In XX/XX/XXXX, I contacted One Main Financial. I contacted them because after paying them {$9600.00}, I only borrowed {$4900.00} from them in XX/XX/XXXX. My balance is {$8800.00}. Which after doing the math totals around {$18000.00} on a {$4900.00} loan. For them that is an investment of {$13000.00}. I used this loan to pay for my classes at XXXX XXXX through XXXX XXXX XXXX. I contacted XXXX XXXX who is my attorney. He has reached out to them for a settlement but they said they do not settle. I have a lien on my car with this loan, it is a XXXX XXXX XXXX ex with XXXX miles on it. It is valued between $ XXXX {$3000.00}. I have been doing business with them on and off since XXXX, they went through multiple names including, XXXX XXXX XXXX, Spring leaf Financial, and now One Main Financial. I am living paycheck to paycheck and this loan is a burden on me and my family, I am desperately seeking any and all help please. My attorney said they do not want the car just the remaining balance of {$8800.00}. It seems the more I keep paying them the worse the balance gets. My balance was the same this time last year. I think there is something wrong.
Company Response: Closed with explanation

Timely Response

2018-02-22

Wood Ridge, NJ

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Unable to receive car title or other problem after the loan is paid off
Company Response: Closed with explanation

Timely Response

2018-02-22

Dallas, TX

Communication tactics

Debt collection: Payday loan debt

You told them to stop contacting you, but they keep trying
Complaint: XXXX XXXX XXXX has continued call my employment I have made the statement I am currently going through debt consoling and FDCPA
Company Response: Closed with non-monetary relief

Timely Response

2018-02-22

Plymouth, FL

Improper use of your report

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

Reporting company used your report improperly
Complaint: Bureau is refusing to remove inquiries that were obtained without my permission, Ive sent them numerous request asking to remove them and they have not ; so I am filing this complaint against them for unfair credit reporting.
Company Response: Closed with explanation

Timely Response

2018-02-22

Fort Worth, TX

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2018-02-20

Newnan, GA

Took or threatened to take negative or legal action

Debt collection: Other debt

Sued you without properly notifying you of lawsuit
Complaint: I filed a CFPB compliant case number # XXXX against XXXX XXXX XXXX XXXX and they responded partially to my complaint on XX/XX/18, which they did inform me that they are preparing to send me the validation of the alleged debt, however I requested that lawsuit against me to cease and I also request for no one to come out to home to discussed this matter, however they did not respond to neither request or give any details. They only stated that One Main Financial is suing me for the alleged debt. And again I am requesting the lawsuit be dropped by both XXXX XXXX and One Main Financial.
Company Response: Closed with explanation

Timely Response

2018-02-20

Seneca, SC

Problem with the payoff process at the end of the loan

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

Complaint: I took out a personal loan with XXXX/One Main in 2008. I was not informed by the company that a " refinance '' started the entire loan amount from the beginning of the loan. I have requested complete pay history from the company. I have paid a considerable amount of money on this loan and deem it paid in full due to the company 's misleading their terms of contract, pressure to refinance, and deceptive practices.
Company Response: Closed with explanation

Timely Response

2018-02-20

Indianapolis, IN

Struggling to pay your loan

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

Complaint: One Main financial XXXX XX/XX/2016 Branch manager informed me that my loan was a signature loan. When I asked why I had to have a list of collateral he said that because I was on XXXX for a XXXX XXXX that I needed to show that I was not destitute. I was assured it was only a formality. I did not understand at the time that I was putting my household goods up as collateral. I take very heavy XXXX for my XXXX XXXX and I have a XXXX XXXXy to understand things..especially when I'm rushed to sign papers I havent read.. My interest rate was also 29 % on my loan. My credit at the time did not constitute a interest rate of 29 % .. Disability and life insurance was added to the loan against my knowledge. A check had already been cut to the insurance co. I was asked to sign. I had no idea it was not required for the loan.. The disability insurance is useless since I'm already XXXX.. XXXX XXXX XXXX XX/XX/2016 to present.. {$2400.00} I was charged a 39 % percent a.p.r after insurance was added to my loan.. I was not informed of my right to not have insurance included in my loan.. As in the case above a check to the insurance companies was already cut and I was asked to sign. XXXX XXXX was aware of my XXXX and I believe I was discriminated against due to my XXXX. I was charged a predatory interest rate because of my deminished capacity to understand what I was being asked to sign.. At one point I seen 46 % interest on my loan app. When I questioned it they told me to ignore it because it didn't mean anything.. My loan payment is {$170.00} a month and {$78.00} of that is interest.. At the time of my loan my credit score did not constitute a 39 % interest rate.. Especially when 5 months later I got a loan at 29 % with the same credit score.. Again I was rushed through these meetings so fast that I could not keep up and did not know what to ask.. I take medications such as XXXX, XXXX, XXXX.. Theses are XXXX and XXXX medications. I truly thought that these nice people were trying to help me.. This was written by a second party and signed by XXXX XXXX All statements and facts are true to the best of my knowledge.. XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-02-18

Phoenix, AZ

Improper use of your report

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

Report provided to employer without your written authorization
Complaint: ONEMAIN ( credit inquiry ) XX/XX/2018 on XXXX credit bureau XXXX XXXX XXXX XXXX IN XXXX I had called this company and asked questions and they had my information from a previous application and reran my credit. WAS NOT TOLD THEY WERE RUNNING A HARD INQUIRY! I asked to to remove and I was told to dispute it. Spent one hour on hold with XXXX with no success. I wand this deleted inquiry deleted from my XXXX credit file please
Company Response: Closed with explanation

Timely Response

2018-02-18

Arleta, CA

False statements or representation

Debt collection: Payday loan debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2018-02-17

South Bend, IN

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

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

Investigation took more than 30 days
Company Response: Closed with explanation

Timely Response

2018-02-16

Morral, 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
Complaint: I have multiple incorrect and unauthorized credit inquires 1. ) XXXX XXXX XX/XX/XXXX 2. ) XXXX XXXX XX/XX/XXXX 3. ) XXXX XXXX XX/XX/XXXX 4. ) XXXX XXXX XX/XX/XXXX 5. ) One main XX/XX/XXXX 6. ) XXXX XXXX XX/XX/XXXX 7. ) XXXX XXXX XX/XX/XXXX 8. ) XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX XX/XX/XXXX 10. ) XXXX XXXX XXXX XX/XX/XXXX 11. ) XXXX XX/XX/XXXX
Company Response: Closed with explanation

Timely Response

2018-02-16

Charged fees or interest you didn't expect

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

Company Response: Closed with explanation

Timely Response

2018-02-16

Chicago, IL

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: I continuously received about 20-30 calls a day at my job and on my cell phone from this company. They also leave several messages a day on my voicemail which causes me not to receive other messages because no one can leave a message after they flood my voicemail. In addition, someone called my place of employment and was very rude to the person that answered.
Company Response: Closed with non-monetary relief

Timely Response