ONEMAIN FINANCIAL HOLDINGS, LLC

2017-03-22

Jonesboro, GA

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-22

IN

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: Regarding my XXXX credit report. I submitted a request for documented verification that I authorization this inquiry. I have not received a reply from the credit reporting agency nor the company who made the inquiry in the last 45 days. I requested documentation proving i made the inquiry and if they could not show proof then it should be removed from my report.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-22

NC

Communication tactics

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

Threatened to take legal action
Complaint: I sent a complaint back in XX/XX/2016 ( complaint number XXXX ) to One Main Financial and after the complaint they changed the account and begin sending letters and the last one sent threatened to sue me if I do n't pay. After the first complaint of them calling me at work and getting me in trouble and switching my account and now threatened to sue me. They have and are in complete violation of the Fair Credit Act.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-22

Plainsboro, NJ

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-21

Pgh, PA

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-20

KY

Taking out the loan or lease

Consumer Loan: Installment loan

Complaint: I applied for a loan with the office in XXXX KY for the company OneMain Financial and I was discriminated against because I am on XXXX. I feel It was wrong to treat someone with a XXXX the way I have been treated. The Office Manager She hid behind my student loans that are deferred for a year after I was initially told that I could be helped if I got her paperwork of them being deferred for a year. I was working with a loan officer initially when I applied for the loan of $ XXXX {$3000.00} dollars and was told because I have student loans showing up that I need a letter showing they are deferred for at least a year before they could help me and give me a loan that was company policy. I talked to XXXX Friday and told her I had the letter and I also had my award letter from XXXX as well stating I had backpay coming and if that could be used as well to show my income for the year as it was from XXXX and that was the source. She said to send the paperwork which I did. She said her manager would have to look at it and approve it and would look at it Monday. Well, she called me today and told me she could not help me because my student loans were only deferred for a year and my XXXX was my only source of income and I had a credit payment and then insurance would have to be put on the car. I explained that I could afford everything and needed the car to get to doctors, food shopping and appointments and she said that I would have to get my student loans discharged permanently before she could help. I explained I could not do that because I did not have any way to pay taxes that would be due because the way it works when student loans are discharged. I begged her to help and it kept being brought up that I was on XXXX and had Student loans that would be coming up due in a year. I only needed the loan for a year and could have paid it off I explained and she was wanting to extend the loan for over a year I guess to make more in interest which I only wanted the loan for a year, to begin with and she kept bringing up that I was on XXXX and she could not count my backpay as anything and if I get my student loans discharged she could help me then. My Student loans are none of her business and what gives her the right to tell me to put myself in further financial problems with the IRS her advice was not logical and she was discriminating me and hiding behind me having student loans for the fact of my income being XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-20

City Industry, CA

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-18

Raleigh, NC

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-18

Raleigh, NC

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-17

Orion Twp, MI

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-16

Thackerville, OK

Unable to get credit report/credit score

Credit reporting:

Problem getting report or credit score
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-15

Lynnewood Gardens, PA

Incorrect information on credit report

Credit reporting:

Reinserted previously deleted info
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-15

Hinsdale, IL

Improper contact or sharing of info

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

Contacted employer after asked not to
Complaint: OneMain Financial Services kept calling my place of employment because I was behind on the loan I had with them. They were told once by a co-worker I 'm not allowed to have these types of calls, they persisted. They where then told by my HR manager to stop calling here for me, they persisted. They were told once by myself to stop calling, they persisted. They were then told two separate times by my compliance manager to stop calling and they persisted. They have put my job at risk and now have filed a lawsuit against me and are taking me to small claims court. I need help with this situation. Please advise me on what I should do
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-15

OK

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: I disputed several inquiries both with the original company and the credit reporting agencies, none of the original companies responded to my letters. Two letters were sent 30 days apart and none responded. Credit Bureaus refusing to remove the listings. SPRINGLEAF FINANCIAL SER XX/XX/XXXX SPRINGLEAF FINANCIAL SER XX/XX/XXXX SPRINGLEAF FINANCIAL SER XX/XX/XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-15

Henderson, NY

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-15

Lenzburg, IL

Problems when you are unable to pay

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-15

Northside, NC

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-14

Shiloh, PA

Problems when you are unable to pay

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-14

Lenexa, KS

Taking out the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-14

Finksburg, MD

Incorrect information on credit report

Credit reporting:

Account terms
Complaint: My dispute is with SpringLeaf Account # XXXX in the amount of {$6300.00} Tried to contact them with the information on my credit report - Was told they were no longer in business??? This is all the information I have : SPRINGLEAF XXXX XXXX XXXX XXXX {$6300.00} REV {$6300.00} $ XXXX {$6300.00} 1 0 0 0 CLOSED XP PURCHASED BY ANOTHER LENDER
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-14

Pikeville, NC

Disclosure verification of debt

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

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

Disputed: No Timely Response

2017-03-14

Willingboro, NJ

Account terms and changes

Consumer Loan: Personal line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-13

Five Points, NC

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-13

Charlotte, NC

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: On a few occasions, I have been late with a 2nd mortgage payment with Springleaf ( now One Main ). The online portal will represent that I owe for two months. When I pay for two months, they always credit the first month and then apply the rest to additional principal. This results in harassing phone calls about overdue account and a lengthy phone call with them where they have to go back and research payments for a year to finally agree that they misapplied the payment. Sometimes it takes several calls and several different people making several attempts to adjust this payment. Are n't these institutions held to some sort of standard to apply payments to outstanding balances before applying payments to additional principal?
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-12

Box Canyon, CA

Incorrect information on credit report

Credit reporting:

Account status
Company Response: Closed with explanation

Disputed: No Timely Response