ONEMAIN FINANCIAL HOLDINGS, LLC

2017-09-19

Dunlap, TN

Problem when making payments

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

Company Response: Closed with explanation

Timely Response

2017-09-18

Carrollton, TX

False statements or representation

Debt collection: Payday loan debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2017-09-18

Arco, CA

Getting the loan

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

Complaint: XXXX XXXX is a company I trust. I used them to get a secured credit card. Now, I am cheated. One of the companies who advertises through XXXX XXXX { XXXX XXXX XXXX } was offering radically more money on a loan. { 2000 % more. } My credit has been improving as I have made this a real priority. I applied for the loan a month before moving, hoping to cover moving expenses including furniture. No where in the five pages of legal and apply { except for one sentence, one time } did they suggest I needed to own a vehicle to put at risk as collateral. They classic bait & switched me. One of the parts of the service XXXX XXXX gives is to show the highs and lows of the credit scores of other user who have been approved. They switched the loan over to secured and claimed I was approved. I am sure they are including me in the XXXX XXXX list of approvals. I do not anticipate getting any money from them. I demand inquiry into how many of the listed approvals statistics actually resulted in money being lent to the consumer who found XXXX XXXX XXXX through XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2017-09-17

Chicago, IL

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

2017-09-16

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
Company Response: Closed with explanation

Timely Response

2017-09-13

Sarasota, FL

Charged fees or interest you didn't expect

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

Complaint: Request for FULL VALIDATION
Company Response: Closed with explanation

Timely Response

2017-09-12

Alpharetta, GA

Struggling to pay your loan

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

Company Response: Closed with explanation

Timely Response

2017-09-12

Fairfax, VA

Incorrect information on your report

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

Information is missing that should be on the report
Company Response: Closed with explanation

Timely Response

2017-09-12

Catalpa, 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

2017-09-11

Scottsdale, AZ

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 found XXXX Hard Enquires in my credit report XXXX made by a company named OneMain on XX/XX/XXXX located at XXXX XXXX XXXX XXXX, XXXX, Az XXXX phone : XXXX XXXX XXXX and OneMain on XX/XX/XXXX located at XXXX XXXX XXXX, XXXX IN XXXX phone : XXXX XXXX XXXX which I do n't regognize ever contacting them for a loan. The Hard Enquire caused to lower my Credit Report Score which is not beneficial for me credit records.
Company Response: Closed with explanation

Timely Response

2017-09-11

Memphis, TN

Struggling to pay your loan

Vehicle loan or lease: Loan

Denied request to lower payments
Complaint: My original loan was with Springleaf Financial, which is now One Main, for refinancing a XXXX XXXX XXXX. The loan originated XX/XX/XXXX with a first payment of {$850.00} that was due XX/XX/XXXX. There were 47 recurring payments of {$780.00}. I have been paying this loan for over a year now. I am a XXXX XXXX XXXX on a fixed income. I earn {$3500.00} a month from a pension. I earn {$1400.00} from Social Security. I also take care of my adult son who suffers from stage XXXX XXXX failure. I recently contacted One Main about refinancing the remaining loan balance so that my payments could be lowered to something that is easier to manage. They informed me that refinancing would make my loan payments higher. How is that possible? Paying this loan has been a hardship for me. Help me.
Company Response: Closed with explanation

Timely Response

2017-09-11

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
Company Response: Closed with explanation

Timely Response

2017-09-11

Melrose, VA

Struggling to pay your loan

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

Company Response: Closed with explanation

Timely Response

2017-09-11

Ampthill, VA

Charged fees or interest you didn't expect

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

Company Response: Closed with explanation

Timely Response

2017-09-10

Napoleon, ND

Charged fees or interest you didn't expect

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

Complaint: InXX/XX/XXXXwe took out a XXXX loan from than XXXX, we were at the time strapped for money, having XXXX kids in college we needed some extra cash. I took the loan out not thinking about the interest rate for which we were charged. Ten years later I was still paying on the loan, I finally achieved my goal and paid the loan off 13 years later, only to discover I borrowed XXXX but paid back XXXX dollars ... I was paying 35 % interest for this loan..I know I should of known better but like I said we needed the cash, I am writing to you only to see if there are others you can help in this situation, I have paid my loan off but if I had known of the interest or your organization I would of gotten my loan reduced and not had to pay double what I borrowed. The company now is call OneMain financial. There is another situation we got ourselves into regarding Student Loan debt with our middle and youngest daughters. The middle daughter took out loans from XXXX XXXX, and they ended up charging her double the interest also, now we are having to pay her debt with her help of course but it came to over 140,000.00 dollars. I refinanced the XXXX XXXX loan with the XXXX XXXX XXXX XXXX in XXXX at a much lower interest rate but I am still paying on that high loan. I am XXXX and my husband is XXXX. He works two jobs and I work full time at a Utilites company making an ok wage. We have some retirement, not much but with these student loans we will never be able to retire. My youngest daughter has her loan with XXXX XXXX XXXX XXXX also, and with a much lower interest rate we are helping her out also. I know there is not much you can do to help us but I thought I would just share my story. Seen about agency on XXXX XXXX this morning. thank you for reading this and listening. XXXX XXXX XXXX North Dakota.
Company Response: Closed with explanation

Timely Response

2017-09-10

Mount Holly, OH

Charged fees or interest you didn't expect

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

Complaint: I got a personal loan for XXXX in XXXX I am still paying on this loan of {$250.00} a month the loan has went to three different companies each time I ask him when this loan will in they do n't even know I keep on getting the runaround I was told that the interest would be paid off in five years I know I made a mistake I just wanted anybody can help me
Company Response: Closed with explanation

Timely Response

2017-09-10

TN

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: all of the above- refuses to dismiss as fraud when the company decieved me. onemain has not proven that they bought the account from a 3rd party collector. takes 90 days ( limit is 30 ) to respond to challenges and then continues to refuse to remove negativity.they were contacted by XXXX XXXX and refused to them also for 9 mos. since the company defrauded and decieved me then refused payment twice from legitimate banking info- I REFUSE TO PAY THEM. I have the RIGHT TO REFUSE under FCRA. therefore account must be deleted. keeps reporting as " in collections '' to the bureaus despite multiple legal demands. DEBT IS NOT OWED. THIS IS EXTORTION.
Company Response: Closed with explanation

Timely Response

2017-09-09

Eton, GA

Problem with the payoff process at the end of the loan

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

Company Response: Closed with explanation

Timely Response

2017-09-08

Saginaw, 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
Company Response: Closed with explanation

Timely Response

2017-09-08

Chicago Ridge, IL

Getting the loan

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

Complaint: On XXXX XXXX, XXXX, I attempted to apply for a loan with One Main Financial on-line. I received a call from XXXX who seemed to be asking extensive questions. After I hung up I realized what I thought I was applying for was going to be secured by my home or my vehicle and I wanted an unsecured debt consolidation loan. So I called back XXXX immediately and cancelled my loan application, she asked why and I said I changed my mind. She never said anything more. On XXXX XXXX I received a denied application notice. I was surprised since how can a cancelled application be denied. I called on XXXX XXXX ( because I work ) and talked to XXXX. Explaining the situation, told him of my concern. He did not do anything except offer to send me the reason for the denial. 1st email Thank you for considering OneMain for your credit needs. After careful review of your loan application, unfortunately, we are unable to approve your loan request at this time. If you would like a statement of the specific reasons why your loan request was denied, please contact us at OneMain, XXXX. XXXX XXXX, XXXX, IN XXXX, or call XXXX, within 60 days of this letter 's date. We will gladly provide you with a statement of reasons within 30 days of our receipt of your request. Please include the reference number and the date of this letter in all communications. Our review process may have included information obtained from a credit reporting agency. This agency was not involved in our decision on your application and can not provide you with the specific reasons for our decision. Under the Fair Credit Reporting Act, you have the right to obtain a free copy of your report from the credit reporting agency listed below within 60 days of the receipt of this notice. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. You also have the right under the Fair Credit Reporting Act to dispute with a credit reporting agency the accuracy or completeness of any information in any consumer report furnished by the credit reporting agency. 2nd email Thank you for contacting us about your OneMain loan application. Below are the specific reason ( s ) your loan was not approved at this time : Incomplete Application We invite you to visit OneMainFinancial.com/Learn, which has valuable resources and tools that can help you learn how to achieve your financial goals. Sincerely, OneMain XXXX. XXXX XXXX XXXX, IN XXXX For me there is a significant difference between a cancelled and a denied application. Thank you.
Company Response: Closed with explanation

Timely Response

2017-09-07

Raleigh, NC

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

2017-09-07

Hanford, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-09-07

Key Biscayne, 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
Complaint: Unauthorized inquiry.
Company Response: Closed with explanation

Timely Response

2017-09-07

Atl, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2017-09-06

Una, SC

Incorrect information on your report

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

Information belongs to someone else
Complaint: They sent me a letter with some information that is not correct like my DL # that was stolen of lost. The correct number was XXXX.Also with a car I did n't never own. The address is incorrect also.The address XXXX XXXX XXXX, XXXX, SC I have never live there.The phone number I do n't have any ideal about this phone number ( XXXX ) XXXX.I have a copy from the last time I file a Complaint with the CFPB. That this account was deleted from the consumer 's report.
Company Response: Closed with explanation

Timely Response