ONEMAIN FINANCIAL HOLDINGS, LLC

2017-08-06

Bemiss, GA

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

2017-08-05

Wonder Lake, 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: Dear Sir or Madam, how are you, i am attaching a packet of inquiries and many attempts of my inquiries that have been ignored and inquiries that have been inquired multiple times, which i wrote notes in sides. i even added which Bureau deleted and which did n't. XXXX is the worst to deal with and i have been dealing with these headaches for over 6 months now and not to mention time and money spent on priority mails. i hope to get this resolved soon so i can move on with my life. i am looking to refi my home and do not want to be homeless with my XXXX babies. please CPFB do as much as you can to remove this and i believe this will raise my score a bit and if not then atleast make me look presentable to my future lenders. i really appreciate your help. Thank You. PS.. please get back to me as soon as you can, i want to refi soon before the rates go up again.
Company Response: Closed with explanation

Timely Response

2017-08-05

Discovery Bay, CA

Advertising and marketing, including promotional offers

Credit card or prepaid card: General-purpose credit card or charge card

Confusing or misleading advertising about the credit card
Complaint: I want out of the promotional material mailed to me. There 's instructions on how to opt out. A number was provided for me to call to opt out of promotions and marketing ; however, they first asked for my social. That is something I 'm not comfortable giving and is scam like. I want this to stop immediately without providing my Ssn.
Company Response: Closed with explanation

Timely Response

2017-08-05

Altamonte Spg, 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

2017-08-05

Raymond, NH

Problem with additional add-on products or services

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

Complaint: I took out a personal loan through Onemain financial. After going down to the office and reviewing the terms of decided to hold off on taking out the loan. The hold up was the fact that I just started a new job a couple months prior. The paperwork I signed clearly showed i was n't at that job more than a couple months. The sales agent sold me on a unemployment insurance policy. The policy was supposed to pay if I lost my job for reasons out of my control. 8 months later I lost my job but received unemployment from the state. Unemployment sent me paperwork proving I lost my job for reasons that qualify under the insurance policy but the insurance was rejected due to not being at my job long enough prior to taking out the loan. Turns out I needed to be employed by my then current employer for 1 year prior to taking out the insurance. The sales agent never made me aware of this and the proof is he sold me the insurance. Onemain was quick to blame me for thinking I was covered by the insurance i paid for but has refused any option to fix the situation. They started calling me with highly aggressive collection tactics. Calling and hanging on the machine but then calling right back and leaving 4-5 messages a week even multiple on the same day. This started after the insurance company made it 's decision then OneMain quickly sold the debt. After a quick search online I 'm seeing other stories of sales staff not being honest with consumers and illegal collection tactics. I have all voicemails saved and pictures of the caller ID showing they just kept the phone ringing.
Company Response: Closed with explanation

Timely Response

2017-08-04

Park Forest, IL

Loan payment wasn't credited to your account

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

Company Response: Closed with explanation

Timely Response

2017-08-04

Val Verde, TX

Took or threatened to take negative or legal action

Debt collection: Payday loan debt

Threatened or suggested your credit would be damaged
Complaint: SPRINGLEAF FINANCIAL REFUSES TO PROVIDE VALIDATION OF THIE DEBT IN WRITING TO ME AS REQUESTED VIA FAX, TELEPHONE AND EMAIL. THEY FAIL TO PROVIDE INFORMATION CONCERNING THE INSURANCE THEY COLLECTED ON THIS ALLEGED DEBT. THEY HAVE N'T RETURNED THE TITLE TO THE XXXX XXXX XXXX XXXX THAT WAS USED TO OBTAIN THIS DEBT. THIS DEBT SHOULD N'T BE REPORTED ON MY CREDIT REPORTS.
Company Response: Closed with explanation

Timely Response

2017-08-04

Raleigh, NC

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 explanation

Timely Response

2017-08-02

Pikeville, NC

Incorrect information on your report

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

Account information incorrect
Complaint: My husband and I open a personal loan through OneMain. The company was originally named SpringLeaf. The loan was paid in full XXXX XXXX, 2017. I tried to obtain an letter from the company stating this loan was paid in full ; so I could provide it to the three credit bureaus ; but, was unsuccessful. Attached will be a summary printout from the local office and a statement printout providing {$0.00} balance. Even though these statements are acceptable to me ; there are not acceptable for the three credit reporting bureaus. Would you please assist me with this matter? Thank you
Company Response: Closed with explanation

Timely Response

2017-08-02

Charlotte, NC

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: Calling 3 times a day on both personal phone and work phone
Company Response: Closed with explanation

Timely Response

2017-08-01

Sun, AZ

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

2017-07-31

Reidsville, NC

Threatened to contact someone or share information improperly

Debt collection: Credit card debt

Talked to a third-party about your debt
Complaint: The company called me at my work place after asking them not to on XX/XX/XXXX.Once they finally stopped they called my fianc leaving her messages on both XX/XX/XXXX and XX/XX/XXXX which she has on her phone stating the debt that I had with them, saying that they did n't want to stay until XXXX XXXX XXXX XXXX and I had to call them back before that time. They even said they were a debt collector on her voicemail. I have told them that I was facing financial difficulties and I am working to get payment to them as soon as I can. I feel at this point that I am being harassed by them.
Company Response: Closed with explanation

Timely Response

2017-07-30

Rncho Domingz, CA

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-07-29

IN

Incorrect information on your report

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

Account status incorrect
Complaint: On XXXX XXXX, 2017, I disputed the account listed on my credit report as ONE MAIN. I contacted this company, as I was unfamiliar with it nor have never had an account with them. I was informed that they are a company that bought Springleaf Financial. This situation is two fold. ( 1 ) I have never entered into an agreement or contractual obligation with One Main. ( 2 ) This account is reporting both open and closed, as it should not be open, as I have not agreed to any payment terms or agreement with this company. The company has also failed to validate any contractual agreements between myself and this company. My XXXX and XXXX credit report both report different payment amounts, however, they both show closed but is still reporting late payments. On my XXXX XXXX report, where the dispute was initiated, it shows that the account is open.
Company Response: Closed with explanation

Timely Response

2017-07-29

Vienna, NC

Took or threatened to take negative or legal action

Debt collection: Mortgage debt

Threatened to sue you for very old debt
Complaint: I do not remember borrowing {$9000.00} in XX/XX/XXXX and my home equity was used as collateral. In the foreclosure process in XX/XX/XXXX, I filed bankruptcy to try to keep my home. The bankruptcy was dismissed in XX/XX/XXXX, because I was unable to pay the {$1200.00} per month. Last year, XX/XX/XXXX, Springleaf started calling with threats about the {$9000.00} loan. I did not know it was unsecured, and they did not ask for the money on XX/XX/XXXX when the foreclosure short sale occured.They are calling threatening me and talking to me like they will come after me. I have been making payments, but on XXXX Social Security and XXXX just is not enough money. I spoke to the foreclosure attorney and he said it was an unsecured loan now, but Springleaf, now called OneMain is using scare tactics.
Company Response: Closed with explanation

Timely Response

2017-07-27

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 constantly monitor my credit with XXXX XXXX . XXXX XXXX always shows you cards you have a good chance of being approved for and offers you to get pre qualified for loans, I just looked at companies I could get pre qualified for and that was it. I never agreed for my credit to be pulled. One Main Financial pulled my credit to approve me for a loan that I did n't want. I NEVER agreed for them to pull my credit and I never accepted a loan from them! I called them and explained this so they would take the inquiry off my credit. The people I spoke to were very rude and did n't care and basically said it was my fault and they were n't going to take it off. I filed a complaint with the BBB and they tried to contact them 3 times to resolve it but they never replied to the BBB. This loan company is sketchy and they are being too pushy with consumers for loans. I want this inquiry off my credit from One Main Financial that took my credit score down XXXX points.
Company Response: Closed with explanation

Timely Response

2017-07-27

Milwaukee, WI

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

2017-07-25

VA

Struggling to pay your loan

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

Complaint: I took my husband to get a loan. I ended up cosigning and now that it could not be paid off my credit is suffering.
Company Response: Closed with explanation

Timely Response

2017-07-25

Inkster, MI

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

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

Difficulty submitting a dispute or getting information about a dispute over the phone
Company Response: Closed with explanation

Timely Response

2017-07-24

Charlotte, NC

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: I disputed this account with OneMain Financial in XXXX and once I disputed the account in 30 to 45 days the account was remove from all three credit report. It been off for four years and now it 's been put back on all three credit report on XX/XX/XXXX.It have been off for four years. They did n't give me notice of the account been put back on my reports which were remove from my reports. I also ask for copy of the agreement which they response to correspondence received from OneMain Holding, INC or one of its affiliates.I have the letter.I told them that my personal information was lost are stolen but someone use my personal information. It was use to obtain good and service. And spoke with someone on XX/XX/XXXX validate the Account # XXXX.It 's in the letter I have sent to you.
Company Response: Closed with explanation

Timely Response

2017-07-24

WI

Struggling to pay your loan

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

Complaint: I submitted a request for a loan modification program with onemain on XXXX-17 the request was denied about a week later because no reduction of income but as I explained to onemain I am on social security and can not make enough money to support myself because of state laws. I need a reduced interest rate to help make the interest and loan be more affordable. I am currently paying 35.91 %. interest on loan. I have a goal to pay off the loan by XXXX XXXX, 2017 but can not achieve that if I have to continue to pay the 35.91 % rate.
Company Response: Closed with explanation

Timely Response

2017-07-22

Louisville, 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
Company Response: Closed with explanation

Timely Response

2017-07-21

Algona, WA

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

2017-07-19

Smyrna, SC

Incorrect information on your report

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

Account status incorrect
Complaint: i filed bankruptcy in 2015, i had an attorney, was told that i had to report all properties, i did, i told my attorney that i did n't want my vehicle nor my house involved in the bankruptcy because all of my payments on the house and the vehicle were on time, i was told by my attorney to continue paying my mortgage and the loan payment that i borrowed on my suv, i made the payments until i paid it out, never missed a payment, the same with my mortgage up to date nothing late, then i found out that these XXXX accounts were being reported as closed, this is a lie i paid that loan out, and my mortgage is showing closed also, this is wrong, on behalf of the bankruptcy court, i already filed bankruptcy which is making my credit bad and then this happens. what happened to the FCRA, i ; m being discriminated against, my rights are being violated by the federal gouvernment. what do you need FCRA if it is not being carried out as stated. i need this corrected, it 's making my credit report look worse than it really is. my rights are being violated, their are other accounts on my report that needs work also.
Company Response: Closed with explanation

Timely Response

2017-07-17

Mount Tabor, NC

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response