ONEMAIN FINANCIAL HOLDINGS, LLC

2017-04-13

Southern Pnes, NC

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: One Main Financial is reporting to the credit bureaus that my loan was delinquent in XXXX and XXXX. This is not the case. I made my payments on time. I have brought this error to the attention of One Main and also disputed the pay history with XXXX, but One Main will not correct the reporting error.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-12

Warren, OH

Problems when you are unable to pay

Consumer Loan: Installment loan

Complaint: one main keeps calling me at work even after I ask them not to me here as it interferes with my job
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-11

Lakeland, FL

Cont'd attempts collect debt not owed

Debt collection: Auto

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-11

Lynnewood Gardens, PA

Problems when you are unable to pay

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-08

Point Arena Air Force Statio, CA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: Hello Approximately 2 weeks ago I had noticed a change on my credit report Springleaf Financial ( Now OneMain ) had deleted the current loan I am paying on from both my XXXX and XXXX Reports. So I called Springleaf ( Onemain ) AND Spoke To XXXX in their Credit Reporting Department ( XXXX ) I asked her the reason for the deletion her response was since I am paying my loan back via a Attorney That OneMain is not required to report on the individuals Credit Reports it 's according to OneMain Polices. I did n't know this was aloud do to the Fair Credit Reporting Act. I was never informed of this policy. Late last year Springleaf Financial Changed names to OneMain again without informing myself. I had previous loans that are paid and over 7 years old that can be removed from my reports. XXXX informed me that if I want to remove or dispute items on my reports that I need to call her directly instead of thru the dispute process on XXXX or XXXX can she make that kind of statement?
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-07

Carol Stream, IL

Taking out the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-07

Madison, TN

Credit reporting company's investigation

Credit reporting:

Inadequate help over the phone
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-06

Millville, CA

Incorrect information on credit report

Credit reporting:

Account terms
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-06

Winnsboro, LA

Shopping for a loan or lease

Consumer Loan: Installment loan

Complaint: I think this is an unfair and misleading practice by some loan companies. Why is this allowed to happen and be reported on our credit reports in this manner. It is not accurate because it makes other lenders think you are drowning in debt when the actual pay off on your loan is drastically lower. I have a consumer loan with One Main Financial and on my credit report it is reflected with a balance as shown below. Open - Current {$21000.00} The actual pay off is {$12000.00}. On our credit reports they are reporting the debt as what it would be if it was continued to be paid off for the life of the loan. Some other loan companies are following suit. This is ridiculous. If that was the case on my house it would look like instead of {$140000.00} remaining to be paid off the credit report would reflect about {$250000.00} as that would be the total of all the payments if I paid on it the next 28 years. I am assuming the loan companies are trying to hedge against someone filing bankruptcy on them but, it screws up consumers chances of getting loans when they need them because it misleads lenders and everyone about the real pay off amounts of their current debt.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-05

Atlanta, GA

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: One-Main Financial has been unable to provide me with accurate information regarding my loan. I have requested copies of my payment history and payoff info. When in arrears less than a few dollars, I have been called and harassed up to 10X per day on my personal and work numbers. Yet, when I attempt to call and request my info, I am treated with nothing but contempt from the staff. The worse is the call I received today. I was greeted by " XXXX '', and she displayed nothing but awful representations of character. As I was requesting information from her, she continuously criticized MY character regarding my payment history. I am not paid on a regular cycle, this was explained to them on numerous occasions. But I have being harassed and spoken to in such and unsavory way. I also have concerns about how One-Main aka XXXX aka Springleaf has been conducting business as of late. Their lending practices are on the verge of loan-sharking, with bullies as enforcers.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-05

Douglasville, GA

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-04

Damascus, MD

Improper use of my credit report

Credit reporting:

Report improperly shared by CRC
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-04

Gloucester City, NJ

Taking out the loan or lease

Consumer Loan: Installment loan

Complaint: The loan officer maintained control of the wireless mouse and told my husband and I he would walk us through the disclosures but he never passed us the mouse to give us control so that we could read through to click or check off to agree with or read the disclosures. We had every intention of completing the process but what if others do n't. Is this the norm?
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-04

Paterson, NJ

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-03

Tampa, FL

Problems when you are unable to pay

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-01

Saint Clair, MO

Shopping for a loan or lease

Consumer Loan: Installment loan

Complaint: Filled out a pre-qualification form, was advised checking to be qualified would not affect my credit, unless I applied for the loan. After filling out the form, the next page asked for more information, but did not indicate that I was not prequalified and filling out the extended form would be a hard pull. Secondly, was not informed ahead of time that I was applying for a vehicle title loan, of which I am not interested in.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-31

Tuckasegee, NC

Communication tactics

Debt collection: Other (i.e. phone, health club, etc.)

Frequent or repeated calls
Complaint: The company called my phone multiple times within a short amount of time. They only left a voicemail on the first call. I have asked them repeatedly to email me during business hours because I 'm not allowed to make personal calls at work. I had already informed them that I would be making a payment today. This is not the first time this has happened either. The company is One Main Financial.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-31

Patterson, MD

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: Spring leaf/OneMain XX/XX/XXXX I filed a complaint with CFPB under XXXX. I found that there were more issues than I has originally realized. I have OVERPAID this account more than {$21000.00} I had been paying on this loan from on or about, XX/XX/XXXX - XX/XX/XXXX. That is almost 12 year. I have made many requests to get a copy of my complete financial report for that period, to calculate my exact OVERPAYMENT. *OneMain 's representative, XXXX , Executive Office of Customer Care , XXXX, advised in her response to my complaint with CFPB , " that I was on a recorded line. When I would not accept her offer, suggesting she needed to address my additional concerns, XXXX XXXX said she had to speak with her paralegal, before agreeing to give me my financial history. XXXX came back and advised that since I had not accepted her proposal, she would send it to CFPB along with her response to my complaint. Her letter dated XX/XX/XXXX, to CFPB, indicated there was an attachment. I spoke with CFPB, Agt XXXX XXXX, who advised no attachment was received. I had been asking XXXX for my " Account Transaction History '', since XX/XX/XXXX. Many promises have been made, but the history of what was done with my money was never sent by XXXX. Proof of advancements has not been provided XXXX stated, XX/XX/XXXX, that I had made XXXX additional " lines of credit '', increasing the loan almost an additional {$4000.00}. I requested that the proof of these advancements be provided. This would mean thatOneMain states it is showing {$14000.00} was loaned, including XXXX amounts {$490.00} and {$560.00} less than days apart. I would like to see the proof that these advancements were made by me. Despite the fact that I have regularly payed on this loan for almost 12 years, my balance with OneMain still shows it is almost {$9500.00}. According to XXXX, OneMain will allow me to continue paying, but with the interest rate reduced to XXXX. Further, OneMain says it will waive {$660.00} in late fees. This last files in the face of a statement from XXXX where she says, in her email to CFPB XX/XX/XXXX, ... '' However, your account has received consistent principal reduction since your payments were made timely. '' ... " and no late charges assessed to your account in the future. '' ( Same email XX/XX/XXXX ) How can OneMain refuse to give mean actual history of the money paid from XX/XX/XXXX to XX/XX/XXXX. I made my last payment to OneMain in XX/XX/XXXX after reviewing and calculating the status of the loan from my own records showing what I believe to be approximately {$21000.00}. If OneMain disputes this amount, then where is the account history.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-29

San Diego, CA

Cont'd attempts collect debt not owed

Debt collection: Payday loan

Debt was discharged in bankruptcy
Complaint: The company continues to add on fees that I am unaware of. I understand that yes, I get behind on making a payment. But, when I make the payment, I am always told this will take care of what needs to be taken care of for that month. The next thing I know, I am getting other charges saying I have racked up numerous late fees that were never disclosed to me. When the company went under another company, all of a sudden these fees were always there. The most recent instance took place in XX/XX/XXXX where I talked with one of the lenders, and he clearly stated the amount I am paying will satisfy what I owe for the month. Then I get a letter in the mail stating the amount I paid did not satisfy that month and they needed more money.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-29

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: SPRINGLEAF FINANCIAL SERVICES made an unauthorized credit inquiry to my XXXX credit file
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-28

Woodland, WA

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: Onemain Financial XXXX, WA XXXX ( XXXX ) XXXX My Husband and I have a loan through this company that we have been paying on since XXXX 2015. Onemain is reporting that we own nothing on our credit report that the loan was paid in full but we are still paying our monthly payment towards this loan. We are working with XXXX Through The Housing resource center which is HUD Certified and we tried to get onemain financial to printout our payment history from the time our loan was originated and they said they were unable to do that because they got a new computer system. Then a few weeks later we received a copy of our payment history when we went into the office and you can not even read the payment history printout that they gave us. They told us that is the only printout that they could give us. I am worried that we are making payments towards our loan and its not even being reported to the credit bureau. I would like to have this company investigated if possible to make sure they are complying with the Fair debt collection practice act.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-28

Anderson, IN

Taking out the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-26

Milton, PA

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: I took a loan out in for approx. {$7000.00} in 1997 from XXXX which was later sold to Springleaf and now to One Main. My agreement made with Springleaf ( One Main ) was I pay a settlement on the loan for {$4500.00}. I have been paying on this faithfully, and will have paid {$4200.00} on XXXX XXXX. ( Regular scheduled payment ) With the balance {$340.00} owed by the end of XXXX - per our agreement. I received a letter from One Main saying that I owe {$6900.00}. They have also been charging me late fees when late fees are NOT MENTIONED in our written agreement. I have paid twice the amount of this loan since the beginning and now three times. I have attached a copy of our agreement and a copy of my payments made. Which confirms the above.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-23

Alta, CA

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt resulted from identity theft
Complaint: back in XXXX i found a fraud account on my credit report and i called the company let them know this account was fraud i also sent over my police and ftc affdavit regarding this fraud account this company placed this account back on my credit report without no notification and they also put that is was charge off as of XXXX/XXXX/XXXX and thats a complete lie.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-23

Trenton, NJ

Managing the line of credit

Consumer Loan: Personal line of credit

Company Response: Closed with explanation

Disputed: No Timely Response